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Insurance, a necessity
Rajesh Relan has done an appreciable job by highlighting the importance of life insurance for the economic growth of the people and the nation in the article “Insurance helps economy, society to grow” (January 13). While the penetration of life insurance is 4%, that of general insurance is as low as 0.71%, against the global average of over 2%. India is one of the most under-insured countries in the world and even among the comparable countries of the Asian region. General insurance covers anything other than life (natural death). Thus, it plays a very vital role in the life of an individual in providing economic security and strengthening the spirit of entrepreneurship. K. Kumar, Panchkula
ATM cabin security
This is in reference to the recent crimes committed inside ATM cabins. I’ve been a victim of the same. A girl was instructed to enter the ATM cabin while I was operating the machine. Keeping my privacy paramount, I told her to stay out. On coming out, I had an argument with the guard, who said that I was wrong. I filed an RTI in a State Bank of India (RO, Panchkula) branch to know more about rules while using ATM machines. The PIO sent the application back after 12 days as it wasn’t signed. Though the application detailed my full name, complete address, fee and an additional IPO so that it could be utilised if needed, the officer threw the application back. This is being done when the courts have stated that anonymous RTIs are meant to be answered. What’s the necessity and authenticity of signatures when the officer concerned doesn’t have its specimen? Another RTI to the Department of Heavy Industries was sent back as the ‘Pay to’ column of the IPO wasn’t correctly filled in. The government has created different posts in offices. We have the CPIO, DDO or accounts officer. It is a clever way of keeping information seekers at bay. This attitude defeats the purpose of this weapon of democracy. I hope that some people from the SBI, SIC and CIC are reading this. Deepjot S Thukral, Ambala Cantt
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AAP sheen wearing off TV Rajeshwar has over-extolled the profile of AAP in the article “AAP has electrified the electorates” (January 14). The fact is that the sheen of AAP is going off day by day. The entry of retired government officers, some with questionable integrity, does not add to the stature of the party due to some wrong steps taken by it. The most inappropriate action is of forgingan unholy alliance with the Congress to form the government in Delhi. The top brass of the party has identified itself as a bunch of Marxists in AAP clothing. There was no need to grant free supply of water or reduce the electricity bills. The reversal of the decision of the previous government of Delhi to allow FDI in retail is another retrograde step and in line with the Marxist philosophy. The crux of the matter is that AAP is not as focused. Ram Niwas Malik, via email Waterlogged Muktsar Dr D.S. Samra’s well-researched article (January 16) on the waterlogged existence of Muktsar puts the problem in the right perspective. I was wondering as to why the water table was going down drastically in districts like Gurdaspur, Amritsar, Tarn Taran and Hoshiarpur, which have two rivers flowing on the east and west. The water table is also going down drastically in other districts like Kapurthala, Jalandhar, Ludhiana Ropar and Moga, which are served by one river each. On the other hand, no river passes through Muktsar and its water level is rising alarmingly. Harjap Singh Aujla, via emai
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