Insurance services will be available at the bank

 

ব্যাংকেই পাওয়া যাবে বিমাসেবা Insurance services will be available at the bank
ব্যাংকেই পাওয়া যাবে বিমাসেবা Insurance services will be available at the bank
The insurance policy will be sold by the branches of the bank.
For this, the customers do not have to go to the insurance company, they just have to go to the bank branch. In other words, the bank will sell bank products to its own customers, it will also sell insurance products.
The government has taken such an initiative to remove the negative attitude of the people towards insurance.
For that, the government is moving forward with a new concept called bancassurance.

Insurance services will be available at the bank

If the initiative is implemented, the insurance sector will expand.
But in the absence of policy, the potential of this new financial product is not working.
However, there are many examples of the development of the insurance sector through the banking sector in the developed world. Even neighboring India, Pakistan, and Sri Lanka have succeeded.
Despite having 60 banks and 6 insurance companies, Bangladesh is lagging behind in this regard.
The Insurance Development and Regulatory Authority (IDRA) has finally drafted a policy on bancassurance.
Bangladesh Bank has also agreed in this regard.
The IDRA has sent the draft to all private companies, including two government agencies, for feedback.

Bancassurance is a French word.
Bancassurance is the method of selling insurance products through banks. France in the 1970s
And it was first introduced in Spain. In most European countries, life insurance is sold through banks.
It is also gaining popularity in Asian countries.

  1. Insurance insiders say the introduction of bancassurance will reduce the cost of collecting premiums for insurance companies.
    Banks will be able to sell insurance products at no extra cost.
    As consumers have more confidence in the bank than in insurance, their interest in buying insurance policies under bancassurance will also increase.
    According to the Bangladesh Bank, the total number of branches of the bank in the country is now more than 10 thousand. And a World Bank account for 2017 says that the number of bank account holders in the country is about 90 million.
    However, IDRA could not provide information as there has been good research on bancassurance in the country.
    However, an article by Mohammad Z Mamun, a teacher at the Institute of Business Administration (IBA) at Dhaka University, on bancassurance, shows that banks in countries such as the United Kingdom, France, Italy, Germany, Spain, and the Netherlands sell insurance products as well as their own.
  2. The article says that there is a huge potential for bancassurance in the near future.
    Since the bank has a large customer base, they can sell insurance products among their own customers.
    Banks through which corporate customers and companies are paid may initially be the first to sell insurance products.
  3. IDRA chairman Mosharraf Hossain told Prothom Alo, “Bancassurance is a matter of time.
    This will not only benefit the banks and insurance companies, but also the customers. Guardian Life Insurance has also started work on a trial basis.
    Hopefully, the growth of bancassurance in India, Pakistan, and Sri Lanka is good.
    Since the draft policy has been prepared, we hope it will be finalized soon. The draft says that the banks and financial institutions that directly and indirectly control Bangladesh Bank can become agents of bancassurance.
    For that, they have to sign contracts with insurance companies.
    Further, no bancassurance agent can be associated with more than three life or general insurance companies.
    For this, the insurance company has to get the approval of IDRA.
    And the bancassurance agent has to get the approval of Bangladesh Bank.

A 2016 survey by the Foundation for the Advancement of Life and Insurance Around the World (FALIA) paints a picture of the bancassurance market in many countries.
Of the 13 countries, 89 percent of the policies sold through banks are in Turkey, compared to 20.6 percent in India.

Sheikh Kabir Hossain, president of the Bangladesh Insurance Association, told Prothom Alo, We want bancassurance to be introduced across the country.
I believe this will move the entire insurance sector.
The bank will also have a good income.

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