As part of its efforts to build closer relationship and give more value to its customers, the Ghana Insurers Association (GIA) has launched a Complaint Management and Advice Bureau (CMAB) to handle complaints from Policyholders and the General Public.
This Bureau, according to the Association, is a Virtual Department set-up in line with GIA’s Three Tier Complaints Management and Self-Regulatory Regimes.
Launching the Bureau to the media at the Auditorium of the National Insurance Commission (NIC) on June 1st, 2018, the President of GIA, Aretha Duku, said that the idea of the CMAB is to provide customers “some form of redress and advice.
“We are very mindful that the survival of any industry, amidst technological advancement, is customer centricity; and for the insurance industry, this is not a fallacy at all. Today, we have revamped and… (are) launching our CMAB to provide customers of our member companies some form of redress and advice,” the GIA President said at the launch.
The need for the CMAB was necessitated by a desire to ameliorate the challenges customers face seeking redress when they feel they have not been served well; as well as by the practitioner’s eagerness to see an aggrieved customer feel satisfied that his or her complaint was giving a good chance to fair resolution.
In addition to that is the important role CMAB plays as an enhancer of industry self-regulation which ensures that the industry monitors its own adherence to legal, ethical, or safety standards in the first instance, as opposed to having a third party perform that function.
The values and rewards of Self-Regulation cannot be over-emphasised as it reduces both the burdens of complaints that go to the regulator, as well as avoids unfair judgment and punitive actions against members.
Aware of the growing need to educate its public on the vital role insurance plays in all facets of their lives, GIA, in coming out with the idea of the CMAB, aims to ensure that services to their customers bestows on them values that are devoid of complications or problems.
Thus, the justification for the setting up of the Bureau is derived from this conscious effort to see that practical measures follow the good intentions of Ghana’s insurers. It is no surprise, therefore, that the Bureau eventually offers a two-way benefit to both the insurance service consumer and to the insurers.
For the Consumer
The CMAB, in all considerations, build Consumer Confidence because customers are now assured of redress in case of disputes.
The truth is that, in setting up the CMAB, GIA is fully aware of the public’s perception of insurance, especially in the area of easy and timeous access to legitimate claims. As a result, in addition to other efforts by National Insurance Commission aimed also at whipping up awareness of the values insurance adds to the consumer’s life, GIA’s idea of the Bureau comes to concretely ensure that the customer is eventually confident of fair process for addressing challenges.
This laudable effort of GIA also brings to mind actions already put in place to further protect the interest of customers and the integrity of the insurance profession. One of these actions was the introduction of the GIA security-enhanced insurance sticker last year for all insurance companies in the country. Today, that sticker is seen embossed on all new insurance policy documents issued by both life and non-life insurance companies who are members of the GIA.
This effort will continue until insurance services are accepted as indeed, an inevitable service for good life and assured future.
How It Works
The CMAB is anchored on Three-tier Complaint Management System
The Insurance Company must be the first point of call when a client or customer has a complaint.
When Complaints are not satisfactorily resolved by the Insurer, the Complainant have the right to report to the Association
The Regulator would be the last point of call in a customer/client complaint episode
Methods for Lodging Complaints at GIA
- Writing a letter to the GIA Complaint Management and Advice
- Calling the GIA Complaint Management and Advice Unit on a Toll Free Number (0800-442-000)
- Walking into the offices of the GIA Secretariat
- Send complaint via e-mail to email@example.com
- Log-in to the GIA online Complaint Portal on ghanainsurers.org.gh/lifesupport and www.ghanainsurers.org.gh/gensupport for Life and Non-Life/General clients respectively.
What Happens when GIA receives a Complaint?
- Complaints Officer acknowledges receipt via sms or phone call.
- Complaint is captured into the Complaint management system (by the officer in-charge) where necessary
- Authorized Persons (Technical Heads) receive e-mail notification of the Complaint
When a Complaint is Received
- Authorized Person notifies appropriate Liaison officer accordingly
- Authorized Person advises the Complainant (If Complaint has no merit)
- Assign Complaint to a Liaison officer of the relevant Company (If Complaints has merit).
When a party is not satisfied with the ruling by the Secretariat, the complainant may be directed to the NIC for appropriate action if need be.
Work Flow For The Online Complaint Management System
Credit: Ghana Insurers Association (GIA)