Kathmandu. #कुन्दन inline_tags_PLACEHOLDER_1 Sapkota is the Director of Nepal Insurance Authority (NEA) inline_tags_PLACEHOLDER_0 inline_tags_PLACEHOLDER_2 ##inline_tags_PLACEHOLDER_3 ## Sapkota, a resident of Kageshwori Manohara in Kathmandu, joined the Insurance Authority in 2055 BS. Sapkot, who was recently promoted to the post of director, has worked in almost all departments of nea. He is currently in the management division of the NRA. Sapkota, who had served as the chief of Bhairahawa branch some time ago, had served as the head of the KOSHI state office of the NRA one-and-a-half years ago. Sapkota, who has an M.Com from Tribhuvan University, also has an LLB in law. Sapkota, who has more than two-and-a-half decades of experience in the regulatory body of the insurance sector, has a conversation with ##inline_tags_PLACEHOLDER_0 #inline_tags_PLACEHOLDER_1##इन्स्योरेन्स talkinline_tags_PLACEHOLDER_3##मा:
inline_tags_PLACEHOLDER_1##पदोन्नति and has reappeared with the Nepal Insurance Authority with a new responsibility. How do you feel? What would happen, what would happen? A new position came. The authority is moving forward in the new structure after being promoted.
I didn’t know what would happen or what would happen. I have worked in this organization for 26 years. I have worked in almost all branches. That’s why the responsibility has increased a bit because of the division where I have come now. Apart from that, this is a place where I have experienced work.
तर Career Will you get a different kind of energy after getting promoted?
That happens. The energy was there yesterday, not yesterday. There is still energy.
#inline_tags_PLACEHOLDER_1##तपाइँ has now come into management. What did you see in the Authority before that?##inline_tags_PLACEHOLDER_3###
I also worked on law and regulation. I have worked in micro, agriculture and other sectors since the beginning. We started in 2069 and I worked from the very beginning. I also worked on insurance. I have worked in almost all fields except accounting.
##inline_tags_PLACEHOLDER_1#How does the insurance sector look like while sitting in the #कहाँ?#inline_tags_PLACEHOLDER_8##
The role may be different when working. Otherwise, sitting in this branch will not be different from sitting in another. Each branch or department has its own responsibilities. They have their own work. That’s a different matter. Otherwise, we have to do our best to work wherever we work. I don’t think I’m tired of working.
#inline_tags_PLACEHOLDER_1##राष्ट्रिय Doubts about what life insurance company and national insurance company are?#
The financial statements of both these companies are being checked and audited. Since the audit has not come out, everyone has raised the question of what the future of these companies is. I don’t know much about it right now because I don’t have a branch. However, all these inquiries have come without an audit. They have also promised to conduct an audit. After that work is done, the exact details will come out.
inline_tags_PLACEHOLDER_1##नेपालमा is a topic of expanding the scope of insurance. You say you have reached 44-45 percent. There is a question of its quality. It is also found that the same citizen has taken multiple policies. How to view it?##inline_tags_PLACEHOLDER_3#
The data seen in expanding the reach of insurance is with term insurance. In the meantime, I went to Biratnagar from Kathmandu for six months and worked. This shows that insurance still needs to be taken forward. Access needs to be increased further.
##inline_tags_PLACEHOLDER_1#what does #प्राधिकरणले do for that?##
The AUTHORITY has been making efforts for this for a long time. NeA has focused on increasing the reach of insurance by collaborating with the local government. Once they submit it to the local government, they will also explain to the locals and facilitate insurance. That is why the AUTHORITY has been making efforts for that. All sectors should move forward to make insurance more accessible to the common man. This will also give great benefits to the state in the days to come.
तपाइँले also important for the state. However, it has been a long time since the tax exemption of Rs 40,000 was given. It has been continued, it would have been better if it had been increased. Is it as if the state does not believe much even if it is necessary for the state?inline_tags_PLACEHOLDER_3##
It’s not like that either. I am not saying that the state does not believe it. Because in the annual budget of the last few years, the government has been giving importance to insurance. Before that, insurance was not given much importance.
#inline_tags_PLACEHOLDER_1##एक-two lines definitely covers?#
It doesn’t matter whether the line covers one or 10. It matters to how he looks. It is very good to make Rs 100,000 or Rs 200,000 or Rs 500,000 instead of rs 40,000 tax exemption. Not doing it, it’s doing it. But there has to be more. We have not reached that stage. Now the reach of data is also increasing. The insurance sector is yet to grow. After the earthquake, the citizens got insurance in a hurry. However, the situation has started to fade again. I know that if some accident happens tomorrow, I will suffer this kind of financial loss. However, insurance is still on hold.
Aren’t people very attracted to insurance even though they are suffering a little more in the payment of #कम्पनीहरुले inline_tags_PLACEHOLDER_0##inline_tags_PLACEHOLDER_1? Do the complaints coming to the Authority also show some signs of that?#inline_tags_PLACEHOLDER_3
Insurance companies are not paying claims, they are paying claims. It is also true that some people are delaying getting claims. But we also have a habit of paying for lights and paying for water. But we don’t look at what’s written on the back of the bill. The same goes for insurance. What do we get for our insurance, what are our needs? We don’t see what we need. It’s not just the weakness of the citizens. Companies and agents have also not been able to pay enough. Some companies are delaying claim payments. Even after three months of payment of claims due today, it has been somewhat discouraging. We need to change that.
If you have to pay a claim of Rs 50,000, do you have to sign a cheque from the centre and send it?inline_tags_PLACEHOLDER_3##
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That’s not the case with everyone.
#inline_tags_PLACEHOLDER_1##अब can be done from the state?#inline_tags_PLACEHOLDER_8##
There is plenty of room to improve. You have to keep improving.
inline_tags_PLACEHOLDER_1##तपाइँहरुले While buying an insurance policy, the money should be taken to the mandatory account, not cash, the cheque should be paid. Such policies have been taken. Is it easier to use RTGS or other methods while taking claim payments?#inline_tags_PLACEHOLDER_3#
I agree with that. But will it be easier to implement this policy even in remote areas? I am of the opinion that some method should be adopted in this too. The need of the hour is to move forward with technology.
##inline_tags_PLACEHOLDER_0 ##प्राधिकरणले brought micro insurance to send them to villages. What is the performance of companies?##
What was the microinsurance for? It is clear that this is the purpose of opening micro insurance. After knowing this, the company will work in that area. It doesn’t mean not to.
अहिले you’re in top management. Micro insurance companies have said that they will go for a merger. Is it a matter of whether a company is free to go for a merger according to the law or the authority should say something about the merger accordingly?##inline_tags_PLACEHOLDER_2#inline_tags_PLACEHOLDER_3##
I couldn’t give an exact answer. I have also heard that the agenda of merger has been passed by the Annual General Meeting. If you feel that the company-company should go for a merger, and if the law also gives, then there is no situation that it will not be.
