印度保险经纪人协会(IBAI)已正式请求印度保险监管及发展局(IRDAI)将就其保险销售咨询稿的反馈截止日期从10月25日延长至12月。
The Insurance Brokers Association of India (IBAI) has asked the Insurance Regulatory and Development Authority of India (IRDAI) to extend the October 25 deadline for feedback on its insurance distribution consultation paper to December.
在10月6日星期二举行的记者会上，IBAI主席纳伦德拉·巴林瓦尔表示，该协会已寻求更多时间来审查这些提案并提交其意见。
At a press interaction on Tuesday (October 6), IBAI President Narendra Bharindwal said the association had sought more time to examine the proposals and submit its views.
IBAI对IRDAI于9月23日发布的《重新调整保险销售经济模式》咨询稿提出了担忧，特别是其中关于佣金结构和保险公司整体管理费用(EoM)限额的拟定修改方案。
IBAI has raised concerns over parts of IRDAI’s consultation paper, “Recalibrating Economics of Insurance Distribution”, released on September 23, particularly the proposed changes to commission structures and insurers’ overall Expense of Management (EoM) limits.
巴林瓦尔表示，改革的重点应放在提高保单持有人的满意度，而不仅仅是降低销售成本。
Bharindwal said the focus of the reforms should be on improving outcomes for policyholders rather than simply reducing distribution costs.
“我们面临的机会不是降低成本，而是改善保险的效果，”巴林瓦尔表示，同时补充道：“选择权对保单持有人来说很重要。”
“The opportunity before us is not reducing costs but improving outcomes of insurance,” Bharindwal said, adding that “choice matters to policyholders”.
IBAI还质疑从降低销售成本中节省的资金是否必然会传给保单持有人。在10月2日提交给财务部长尼尔莫拉·西塔拉曼的书面意见中，该协会指出，咨询稿并未指定任何机制来确保这些节省最终转化为客户的保费优惠。
IBAI has also questioned whether any savings from lower distribution costs would necessarily be passed on to policyholders. In its October 2 representation to Finance Minister Nirmala Sitharaman, the association said the consultation paper does not specify a mechanism to ensure that such savings translate into lower premiums for customers.
“改革应针对实际存在的问题，如误销售、强制销售和拒赔行为，”巴林瓦尔表示。
“The reforms should attack the actual problems of mis-selling, forced selling and claims dishonoured,” Bharindwal said.
该协会表示支持咨询稿中旨在解决真实误销售问题的措施，包括拟议禁止将保险与贷款捆绑销售以及加强适合性要求。
The association said it supports measures in the consultation paper aimed at addressing genuine mis-selling, including the proposed prohibition of compulsory bundling of insurance with loans and stronger suitability requirements.
然而，IBAI对跨产品和渠道的佣金上限以及保险公司整体EoM限额的修改方案提出了担忧。它认为这些提案可能会影响保险公司、中间人以及更广泛的销售网络。
However, IBAI has raised concerns over proposed commission caps across products and distribution channels and changes to insurers’ overall EoM limits. It has argued that the proposals could affect insurers, intermediaries and the wider distribution network.
该协会已申请将2023年推出的费用上限（EoM）框架延续至其计划于2028年进行的审查。该协会认为，2023年的改革取消了此前针对具体产品的佣金子限额，并赋予保险公司在确定运营和分销费用方面更大的灵活性，但需遵守总体费用上限的限制。
The association has sought continuation of the EoM framework introduced in 2023 until its scheduled review in 2028. It has argued that the 2023 reforms removed earlier product-level commission sub-caps and gave insurers greater flexibility in determining operating and distribution expenses, subject to the overall EoM limits.
印度保险经纪协会（IBAI）表示，担心拟议的框架可能会重新引入基于产品、分销渠道和业务性质的详细佣金子限额。
IBAI has expressed concern that the proposed framework could reintroduce detailed commission sub-caps based on product, distribution channel and nature of business.
该协会还指出，此类变更可能会鼓励采用替代性支付安排，并可能重新引发合规问题。据IBAI称，这些问题在2023年改革之前曾存在。
The association has also argued that such changes could encourage alternative payment arrangements and potentially recreate compliance issues that, according to IBAI, existed before the 2023 reforms.
在就业方面，IBAI引用了印度保险监管局（IRDAI）的数据，显示保险分销行业支持着超过83万名专业人士，包括代理人和现场销售人员。该协会估计，如果实施拟议的变更，在五年的过渡期内，至少100万人的生计可能面临风险，尽管其将此描述为初步估计。
On employment, IBAI cited IRDAI data showing that insurance distribution supports more than 83 lakh professionals, including agents and point-of-sale persons. The association has estimated that at least 10 lakh livelihoods could be at risk over a five-year transition period if the proposed changes are implemented, although it described this as a preliminary estimate.
IBAI还对保单持有人的选择权以及经纪人的作用提出了担忧，认为中介机构有助于客户比较保险产品、协商承保范围并获得理赔支持。
IBAI has also raised concerns over policyholder choice and the role of brokers, arguing that intermediaries help customers compare insurance products, negotiate coverage and obtain claims support.
该协会要求在发布任何关于佣金或费用限额的新法规之前，先发布一份涵盖保单持有人、就业、国有保险公司和外国投资的综合影响评估。
The association has sought a published impact assessment covering policyholders, employment, public-sector insurers and foreign investment before any new regulation on commissions or expense limits is notified.
该协会还要求金融服务部在发布任何法规草案之前，召集印度保险监管局、保险委员会、印度人寿保险公司（LIC）、印度再保险公司（GIC Re）和IBAI举行会议。
It has also requested that the Department of Financial Services convene IRDAI, insurance councils, LIC, GIC Re and IBAI before any draft regulation is issued.