a) Claims Procedures and Management
All claims procedures are documented in SEWA Insurance or Vimo SEWA's manual. There is a claims committee to evaluate claims for hospitalisation and assets loss, which meets three times in a week. The five-member claim committee comprises three local women leaders or 'aagewans' of different trades and one or two Vimo SEWA managers, depending on the volume of claims.

Insurance companies that have authorized Vimo SEWA to process and settle the claims have reviewed the operations of the claims committee periodically. Vimo SEWA staff scrutinizes all the documents before handing it over to claims committee. In case of mediclaims, doctors on panel provide written recommendations after scrutinizing the claims.

All the efforts are made to process and disburse claims within 15 to 20 days of claims submission. Attempts are also being made to reduce the time taken for claims processing.

b) Monitoring:
We try to ensure that VIMO SEWA services reach its members promptly so that the objective of reaching the poor at the time of need is fulfilled.

Claim servicing is the only tool that measures the quality of any insurance unit. To ensure the quality of , VIMO SEWA has set up a monitoring team, that regularly monitors the claims processing cycle for providing prompt and better services to our members.

The team generates weekly reports which look into:

• Time taken for claim settlement and variations by district and by aagewan

• Diseases patterns in mediclaims that are submitted.

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