High Time Insurance Companies Avoided Attempts To Deny / Delay Claims
A few days back, in an informal group discussion on issues affecting consumers, the general refrain was that insurance companies, life and general, are eager to sell insurance but deny claims, on flimsy grounds. Policyholders are, thus, forced to approach consumer courts for redress. 
 
It is possible that the number of wrongfully rejected claims is relatively small compared to the...
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  • ASCI upholds complaints against 89 advertisements out of 162 complaints
    In April 2018, ASCI’s Consumer Complaints Council (CCC) upheld complaints against 89 advertisements out of the total of 162 advertisements that were evaluated by the CCC.
     
    Out of the total 89 advertisements against which complaints were upheld, 24 belonged to the healthcare sector, 34 to the education sector, 20 to the food & beverages category,  two to the  personal care and nine were from the ‘others’ category. A total of 101 advertisements were picked up by ASCI’s suo moto surveillance, wherein 31 cases were informally resolved as advertisements were voluntarily withdrawn and objections against 68 advertisements were upheld. Of the 61 advertisements complained against by the general public or by industry members, 12 cases were informally resolved wherein the advertisements were voluntarily withdrawn and complaints against 21 advertisements were upheld by the CCC.
    Direct Complaints
     
    FOOD AND BEVERAGES:-
     
    1.  Mobius Foundation/Ayurvet Limited (Antibiotics in Chicken): The advertisement’s claim, “Ayurvet supports the poultry industry’s quest for antibiotic free chicken”, was not substantiated with supporting data and is misleading by ambiguity. The claim, “Eating Antibiotic Dosed Chicken is hazardous to health, especially for Children”, was not supported with evidence to show that the problem exists in chicken being sold in the market and is creating a fear in consumers’ mind and exploits consumers’ lack of knowledge.
     
    2.  All India Poultry Development and Service: The advertisement’s claims, “Vested interests from Western countries through so called NGO foundations appear to be trying to spread false and misleading information alleging indiscriminate usage of antibiotics”, was not substantiated and amounted to misinformation of facts, and is misleading by exaggeration. The claim “All QSRs like vista foods producing for McDonalds, KFC, Pizza Hut, Burger King, and others buying from India for their outlets are happy with the hygiene and quality standards maintained” -– Though use by multinationals cannot be considered as a certification, the fact that the advertiser has been meeting EU food standards means that the antibiotic residues would have been below the permissible limits.  Considering that the organisation is not a certifying body, this claim is misleading by ambiguity. The claim, “A recent study by the centre for Science and Environment (CSE) shows that the maximum residue Limits (MRL) in chicken meat in India are much lower than the permitted MRL as per European Union Standards” contravened Chapter I.3 of the ASCI Code as CSE itself has objected to the selective use of this data.
     
    HEALTHCARE:
     
    The CCC found claims of five advertisements in healthcare products or services to be either misleading or false or not adequately / scientifically substantiated; hence in violation of the ASCI Code. Complaints against the following advertisements were upheld. 
     
    1.  Jolly Healthcare (Jolly Vaseir): The advertisement’s claim, “Effective from first day”, was not substantiated with product efficacy data and is misleading by exaggeration. The claim, “Totally Ayurvedic”, was not substantiated with any evidence of the ingredients present in the product, and is misleading. The claim, “Recognition by Ministry of Ayurveda”, is misleading by implication that Ministry of AYUSH has approved the product efficacy / claims made in the advertisement.
     
    2.  Shape in Slimming Centre: The advertisement’s claims, “No medicine, No surgery, No crash diet, No Side-effect, 100% result oriented”, and “1 to 4 inches loss in just one session”, were not substantiated with supporting clinical evidence and with treatment efficacy data, and are misleading by exaggeration and exploits consumers’ lack of knowledge.
     
    PERSONAL CARE:-
     
    1. The Himalaya Drug Company (Himalaya Youth Eternity under Eye Cream): The advertisement’s claims, “Reduces crow’s feet, wrinkles, fine lines in four weeks”, “Reduces dark circles and under eye pigmentation”, and “Antioxidants help manage puffy morning eyes”, were inadequately substantiated and are misleading by exaggeration.
     
    2. The Promen.in (Promen Lip Lightener): The advertisement’s claims, “Lightens dark pigmented lips”, “Its refreshing minty flavour accentuates the smoking experience while providing a protective shield before every smoke, preventing cell damage and darkening of lips”, and “Its power packed antioxidants help neutralize the free radicals and treat dark lips”, were inadequately substantiated and are misleading by gross exaggeration.
     
    EDUCATION:-
     
    Complaints against advertisements of four educational institutes listed below are upheld mainly because of unsubstantiated claims AND/OR misleading claims that they provide 100% placement/ placement assistance AND/OR they claim to be the No.1 in their respective fields
    LegalEdge Tutorials, National Institute of Fire & Safety Engineering (NIFSE), National Academy of Fire and Safety Engineering (NAFS), Fortune Computer Academy
     
    OTHERS:-
     
    1.  Xiaomi Logistics: The advertisement’s claim, “Biggest sale ever in the history of India. 3,00,000+ units* gone in < three minutes”, was not substantiated with any verifiable supporting data or with an independent third party audit or verification certificate, and is misleading by gross exaggeration.  
     
    2.  Magicon Impex Pvt Ltd (Jivi Mobiles): The advertisement’s claim, “Effective price Rs.699/-”, was not substantiated with evidence of genuine customers who have availed of this offer, and is misleading by exaggeration.
     
    SUO MOTO Surveillance by ASCI
     
    FOOD & BEVERAGE:-
     
    1.  Swad Food Products  (Swad Adatt Matta Rice): The advertisement’s claims, “Because , since bran contains oil it can control blood sugar, cholesterol and uric acid if consumed regularly” and “Also omega three content in bran oil will prevent heart attack and cancer”, were not substantiated with technical rationale and / or clinical evidence of product efficacy. The TVC promoting a food product claiming benefits of a therapeutic nature was misleading and exploits consumers’ lack of knowledge and is likely to result in widespread disappointment in the minds of consumers.
     
    2.  Flipbald Health and Wellness Products (Flipbald De-addiction Powder): The advertisement’s claim, “Get rid of every type of intoxication”, is grossly misleading and exploits consumers’ lack of knowledge. The claim was not substantiated with evidence of product efficacy and is misleading by exaggeration and implication that the FSSAI has approved the product efficacy / claims made in the advertisement.
     
    HEALTHCARE:  
     
    1.  Slim N Slender: The advertisement’s claim, “Permanent fat loss”, was not substantiated with supporting clinical evidence, and with treatment efficacy data, and is misleading by exaggeration.
     
    2. Olivia Skin & Hair Clinic: The advertisement’s claim, “No.1 Clinic in Dermatology”, was not substantiated with any verifiable comparative data of the advertiser’s clinic and other similar clinics in the same category or through third party validation. The claim was misleading by exaggeration. 
     
    EDUCATION:-
     
    1.Law Prep Tutorial: The advertisement’s claim, “India's best classroom coaching program”, was not substantiated with any verifiable comparative data of the advertiser’s institute and similar institutes to prove that their classroom coaching program is better than the rest, or through an independent third party validation.  The claim was misleading by exaggeration.
     
    2.Winner Institute: The advertisement’s claim, “Best Banking Institute”, was not substantiated with any verifiable comparative data of the advertiser’s institute and similar banking institutes to prove that it is better than the rest, or through an independent third party validation. The claim is misleading by exaggeration
     
    OTHERS:-
     
    1. Confident Group (Confident Canopus): The advertisement’s claim, “The best housing brand in Kerala”, was inadequately substantiated and is misleading by exaggeration and implication
     
    2. Maa Kamakhavya Darbar Fragrances India Pvt. Ltd (Tiranga Sacred Agarbatti): The advertisement’s claim, “First choice of crores of Indians”, was not substantiated with any consumer survey data, or any verifiable comparative data of the advertiser’s product and other agarbatti brands or through a third party validation.  The claim was misleading by exaggeration. The claim, “India's No.1 Brand (2017)”, was not substantiated with any market leadership data. The claim is misleading by exaggeration
     
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    Maruti Suzuki recalls 1,279 units of new Swift, Dzire models
    Automobile major Maruti Suzuki India on Wednesday "proactively and voluntarily" recalled the new Swift and new Dzire models to look for a possible fault in the "Airbag Controller Unit".
     
    According to the company, 1,279 vehicles -- 566 new Swift and 713 new Dzire -- manufactured between May 7, 2018 and July 5, 2018 will be covered in this campaign.
     
    Globally, recall campaigns are undertaken to rectify faults.
     
    "Starting 25th July 2018 owners of the vehicles included in this recall campaign will be contacted by Maruti Suzuki dealers for inspection and replacement of the faulty part free of cost," the company said in a statement.
     
    Disclaimer: Information, facts or opinions expressed in this news article are presented as sourced from IANS and do not reflect views of Moneylife and hence Moneylife is not responsible or liable for the same. As a source and news provider, IANS is responsible for accuracy, completeness, suitability and validity of any information in this article.

     

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