Tag: transparency

  • How to Compare Best Health Insurance Policies Using Online Tools

    How to Compare Best Health Insurance Policies Using Online Tools

    When you choose a health insurance plan or renew an existing one, how do you determine that it’s the right one for you? You might rely on an agent’s advice or ask a family member or friend. But are these insurance policies truly the right fit for you?

    A health insurance premium calculator can help you choose the best health insurance plan for your needs. It can show you which plans cover hospitals near you, which ones offer maternity coverage, and which ones won’t break the bank. So, using this tool correctly can be very helpful, but you need to know how to use it effectively. Let’s see how to do that.

    Why Comparing Health Insurance Online is Smarter?

    Back in the day, if you wanted medical insurance, you had to meet agents, read brochures full of technical words, and then hope you didn’t miss a hidden clause. Today, you can sit on your couch, open your laptop, and see ten different health insurance plans lined up like products in an online store. So, why is this better? Because:

    ● You don’t rely only on what an agent tells you.

    ● You can compare premiums and benefits side by side.

    ● You see exclusions clearly instead of in fine print.

    It’s just like shopping online or booking a hotel. Nobody calls ten airlines anymore, although we check online. Health insurance should work the same way.

    What Really Matters While Comparing Plans

    The truth is that not every shiny feature matters. A good policy is one that actually protects you when something goes wrong. While browsing online tools, you should be focused on:

    ●    Coverage (Sum Insured): Does it cover realistic hospital bills in your city?

    ●    Cashless hospitals: If your go-to hospital isn’t on the list, it’s a headache later.

    ●    Claim settlement ratio: Higher numbers mean fewer claim rejections.

    ●    Add-ons: Maternity, critical illness, room rent flexibility, if you really need them.

    ●    Premium vs Benefits: Cheapest is not always best.

    If you only remember one thing, it’s this balance cost with coverage. Don’t be tempted by low premiums if it means compromising on actual protection.

    A Quick Walkthrough Using an Online Tool

    Let’s say you’re 32, married, with one child. You open a comparison website. It asks for details like age, city, and number of family members. You fill that in, and within seconds, you see multiple mediclaim policy options.

    Now you notice something interesting:

    Feature Policy 1 Policy 2 Policy 3
    Sum Insured ₹5 lakh ₹10 lakh ₹10 lakh
    Cashless Network 4,200+ 6,000+ 5,800+
    Maternity Cover No Yes Yes
    Premium (Yearly) ₹6,800 ₹9,500 ₹10,200

    At first glance, Policy 1 looks attractive because it’s cheap. But then you realise it doesn’t cover maternity or have as many cashless hospitals. If your family is expanding, that’s a red flag. Policy 2 or 3 might be the better choice long term.

    This is precisely why online tools help you to find the best health insurance plans. You’d probably miss these details if you were only talking to one insurance agent.

    Don’t Skip the “Exclusions” Section

    Most people skim through the benefits and ignore exclusions. Big mistake. Some health insurance plans don’t cover pre-existing diseases for the first 2 – 3 years. Others may exclude specific treatments like cataract surgery or joint replacement.

    When you buy health insurance online, every comparison site has an “exclusions” button or tab. Don’t skip it. It may not be exciting to read, but knowing what’s not covered is as important as knowing what is.

    Buying Online After Comparison

    Once you’ve shortlisted, buying health insurance online has its perks:

    ●    Time saving: Instant policy issuance (no waiting for paperwork).

    ●    Discounts: Some insurers give lower premiums if you buy directly online.

    ●    Transparency: you get all details in writing, no half-truths.

    ●    24/7 access: you can compare and buy anytime.

    Many people get a full mediclaim policy issued in less than 15 minutes online, no queues, no files, no hassle.

    So here are some main overview points that you have to keep in mind when comparing before you buy health insurance plans for family by using any online tool:

    ●    Evaluate your personal and family health requirements

    ●    Select a trusted online comparison tool

    ●    Check key features and coverage details of each plan

    ●    Understand what’s covered and what’s not

    ●    Look into claim history and settlement performance

    ●    Consider policy terms and optional add-on benefits

    ●    Directly compare multiple plans to spot differences easily

    Final Thoughts

    Honestly, picking the right health insurance isn’t as scary as it sounds. Many people just renew the same policy every year without even checking if it still works for them, and later regret it when bills pile up. Using an online comparison tool is super simple. You just spend a few minutes, see which plan covers what, check premiums, and figure out if it actually fits your family. That tiny effort can save a lot of stress later.

    When your renewal comes around, don’t just click “pay.” Take a moment, breathe, and see if your plan still makes sense. Look at the coverage, the hospitals included, maybe even check a rider or two. A few minutes now can keep you from scrambling when medical costs hit unexpectedly.

  • How to Use a Health Insurance Premium Calculator Before Buying a Policy?

    How to Use a Health Insurance Premium Calculator Before Buying a Policy?

    As medical costs continue to rise, opting for the right insurance plan has become a necessity. While choosing a plan, people often find the process challenging due to the various types of plans available online.

    In such cases, a health insurance premium calculator proves to be a valuable tool, as it provides individuals with an estimate of a policy before making a purchase, enabling informed decision-making and financial preparedness.

    Read further to learn how to use this tool effectively and choose a plan that best fits individual needs.

    What is the Function of a Health Insurance Premium Calculator?

    A health insurance premium calculator is an online tool used to estimate the cost of insurance policies easily. It uses details such as age, coverage preferences, and location to compare different policies and understand the factors that may influence the policy’s coverage.

    Once the user fills in all the details, the calculator processes the information based on the insurer’s pricing criteria and shows the estimated pricing. Many reputable insurers offer this feature on their websites, making it easier for customers to plan, compare, and select the most suitable policy.

    What are the Steps to Use a Health Insurance Premium Calculator?

    Listed below are the steps involved in using one of the best health insurance premium calculator:

    ●    Step 1: Find the Premium Calculator

    Visit any chosen insurer’s official website, check the health insurance section for tools, and scroll to an option labelled “premium calculator.”

    ●    Step 2: Identify Your Insurance Needs 

    Decide the kind of coverage required, such as individual, family floater, or specialised plans like senior citizen or critical illness coverage.

    ●    Step 3: Enter the Required Details 

    Enter all the relevant information, such as age, gender, location, medical history, and preferred sum insured. For family coverage, it is essential to provide details for all family members.

    ●    Step 4: Read the Calculator’s Instructions 

    Some tools provide specific guidelines for entering data. Ensure you read this information to achieve accurate results.

    ●    Step 5: Select the Coverage Type 

    Choose between individual coverage, family floater, or specialised coverage. Add the required details of family members if applicable.

    ●    Step 6: Input the Sum Insured 

    Set the maximum yearly coverage you want. Ensure it is sufficient for medical needs while still staying within the budget.

    ●    Step 7: Choose the Policy Tenure 

    Pick the duration of the policy, usually 1,2, or 3 years. Longer durations often come with discounts and reduce yearly renewal hassles.

    ●    Step 8: Enhance the Plan with Add-ons

    Consider extras like maternity cover, personal accident cover, or critical illness protection. These add-ons boost coverage; however, they also increase the premium amount.

    ●    Step 9: Review and Compare 

    Click ‘calculate’ to view the estimated premium. Adjust factors such as sum insured or tenure to observe the changes. Compare results across different insurers before making a decision.

    It is always advised to choose insurance plans from a reliable insurer with a high claim settlement ratio. For example, Star Health Insurance reported 97% of cashless final approvals within 3 hours and access to over 14,000 network hospitals across India—making the process both efficient and reassuring.

    What are the Benefits of Using a Health Insurance Premium Calculator?

    A health insurance premium calculator offers numerous advantages, making it easier to choose the right plan. Listed below are the benefits of a health insurance premium calculator: 

    1. Quick Estimates 

    A health insurance premium calculator provides an instant idea of how much a policy will cost, eliminating the need to manually request quotes or wait for an agent’s response.

    2. Personalised Results 

    Health insurance calculators consider factors such as age, medical history, lifestyle, and desired coverage, ensuring that the displayed premium is tailored to the individual rather than being a generic estimate.

    3. Easy Comparison

    Premium calculators enable users to compare premiums and coverage side by side, allowing them to identify the plan that offers the best value.

    4. Budget Planning 

    The health insurance premium calculator enables users to plan their finances effectively and choose a policy that best fits their budget.

    5. Transparency

    The tool illustrates how various factors, including coverage amounts, add-ons, and co-pay options, impact insurance costs, providing users with a transparent view of their premiums.

    6. Convenient Access 

    Most health insurance calculators are available online and can be accessed at any time, allowing users to calculate and compare premiums easily.

    Therefore, using a health insurance premium calculator before purchasing a policy helps individuals make more informed and cost-effective decisions. It provides instant, personalised premium estimates based on specific factors and one’s coverage requirements.

    When it comes to planning one’s budget and finances more precisely, a health insurance calculator can help massively in terms of opting for the most suitable insurance plans for one’s needs.    
     

  • Veteran journo Rana Yashwant joins Live Times’ for weekend offerings

    Veteran journo Rana Yashwant joins Live Times’ for weekend offerings

    MUMBAI: Veteran television journo Rana Yashwant, famed for his bullish tell-it-like-it-is style, has inked a juicy deal with Hindi news channel Live Times. The partnership will see the straight-talking anchor front two weekend programmes across both television and digital platforms, whilst also getting his fingers into the channel’s special projects pie.

    Live Times bigwigs insist this is far more than just another editorial appointment—it’s a statement of intent in their crusade for credible reporting. Yashwant, the brain behind popular show Ardh Satya, brings a whopping two-and-a-half decades of media experience to the table.

    Dilip Singh, founder, CEO and editor-in-chief of the channel, pulled no punches about the significance of the hire: “In an era when fake news is spreading like wildfire, Live Times stands firmly for fact-based journalism. Rana Yashwant’s joining is not just a matter of joining an experienced editor, but an extension of a reliable editorial thinking.”

    Singh added  that the channel, built on the holy trinity of “credibility, transparency and editorial independence,” continues to bolster its ranks with heavyweight journalists and subject experts, making it an increasingly formidable force in the media landscape.

    Yashwant himself seemed please with his new gig, declaring: “‘In today’s era, there is an abundance of information, but there is a huge lack of trust. In such a situation, Live Times’ gives priority to facts, transparency and public interest. This platform believes in creating effective content instead of making noise. This is not just a new role for me, but a responsibility – to do such journalism that not only informs, but also empowers people and ensures accountability.”

  • How Auto Repair Invoice Receipt Templates Help Improve Customer Trust and Satisfaction

    How Auto Repair Invoice Receipt Templates Help Improve Customer Trust and Satisfaction

    In the auto repair industry, customer trust and satisfaction are paramount. A key element in fostering both of these qualities is clear and transparent communication, which starts with the service invoice. An auto repair invoice receipt template is an essential tool for providing customers with a professional, itemized record of the work completed. By adopting a structured and well-designed template, auto repair shops can greatly enhance their credibility, improve customer satisfaction, and build long-term relationships. Let’s explore how an auto repair invoice receipt template plays a critical role in achieving these goals.

    1. Clarity and Transparency

    One of the most direct ways an auto repair invoice receipt improves customer trust is by providing clarity. Many customers, especially those who are not familiar with automotive repairs, may find it difficult to understand the nature of the work performed. An invoice that clearly itemizes every service, part used, and associated costs helps demystify the repair process. When customers can see exactly what they’re being charged for, they feel more confident that they are not being overcharged or subjected to unnecessary repairs.

    A detailed auto repair invoice receipt template includes the type of work done (e.g., brake replacement, oil change), the labor involved, the cost of parts, and the labor hours spent. This transparency reassures customers that they are paying for precisely what was agreed upon and that no hidden fees are being tacked on. This level of detail also demonstrates a business’s commitment to honesty, which is crucial in cultivating customer loyalty and trust.

    2. Building Professionalism

    Professionalism in any service industry goes a long way toward earning customer trust. Providing a well-designed, standardized invoice receipt template reflects a high level of professionalism that sets the business apart from competitors. A custom template with your logo, shop name, contact information, and a clear structure not only looks polished but also assures the customer that they are dealing with a reputable business.

    The professionalism conveyed through the use of an invoice receipt template signals to customers that the business is organized, reliable, and values customer satisfaction. When customers receive a formal, well-crafted receipt, they are more likely to return for future services and recommend the shop to others, knowing they can expect high-quality service and transparency.

    3. Managing Customer Expectations

    An auto repair invoice receipt template also helps manage customer expectations. By clearly outlining the total cost, expected completion time, and itemizing labor and parts, customers can prepare for the financial and time commitment of the repair. This proactive communication minimizes the risk of misunderstandings or surprises at the end of the service, which can lead to frustration and dissatisfaction.

    For example, if a customer is aware from the start that a particular part needs to be ordered, or that labor costs may vary depending on the complexity of the repair, they are less likely to be upset when these factors appear on the invoice. When a business uses a template to explain these details upfront, it sets proper expectations and reduces potential conflicts.

    4. Fostering Accountability and Trustworthiness

    A receipt provides an official record of the transaction, which can be useful for both the customer and the auto repair shop. For customers, it serves as proof of the services provided, making it easier for them to follow up if there are any issues. If the customer has any concerns after the repair, they can reference the detailed invoice receipt to ensure the work was performed as agreed. This ability to hold the business accountable fosters trust and builds confidence that the auto repair shop stands behind its work.

    Moreover, offering warranties or guarantees on specific repairs or parts can be clearly communicated through the invoice. For instance, if a customer is entitled to a warranty on the brake pads replaced, this can be stated directly on the invoice receipt. This added assurance that the business will honor its commitments only strengthens the customer’s trust in the service.

    5. Streamlined Communication for Future Services

    When a customer receives a detailed auto repair invoice receipt, it serves as a record of their vehicle’s service history. This record helps both the customer and the business maintain clear communication for future repairs. When customers are aware of the parts replaced and the services previously performed, it’s easier to identify ongoing issues or plan for preventive maintenance. It also allows the repair shop to offer more personalized and relevant advice based on the car’s service history.

    By providing a receipt that outlines the specific work done, businesses ensure that customers are fully informed about the condition of their vehicle. This proactive approach to communication encourages repeat business, as customers are more likely to return to a shop that demonstrates transparency and keeps them informed about their vehicle’s needs.

    6. Enhancing Customer Experience

    The overall customer experience is significantly improved when an auto repair shop provides a detailed, easy-to-read invoice receipt. Customers appreciate receiving an organized and professional document that they can easily reference, whether for insurance claims, warranties, or future repairs. This small but significant gesture of providing a comprehensive invoice shows that the business values the customer’s time and money, which can go a long way in enhancing their overall satisfaction.

    Furthermore, when customers are happy with their experience, they are more likely to share positive reviews and recommend the business to others. In a competitive industry like auto repair, word-of-mouth referrals can be invaluable, and a professional invoice receipt is one of the simplest yet most effective ways to foster positive customer experiences.

    Conclusion

    An auto repair invoice receipt template is more than just a billing tool; it’s a vital component in building customer trust and satisfaction. By providing clear, transparent, and professional invoices, auto repair shops can improve communication, manage expectations, foster accountability, and enhance the overall customer experience. When customers feel informed and valued, they are more likely to return for future services and recommend the business to others. In today’s competitive automotive industry, creating and using an effective invoice template is an essential step toward long-term success and customer loyalty.

  • “Both my daughter and The Green Loom are my cherished endeavours”: The Green Loom’s Seeza Bharadwaj

    “Both my daughter and The Green Loom are my cherished endeavours”: The Green Loom’s Seeza Bharadwaj

    Mumbai: In the ever-evolving world of skincare, a new era has dawned, marked by a growing preference for natural beauty. Consumers today seek more than just flawless skin; they demand transparency and sustainability from the brands they trust. As the beauty industry pivots towards conscientious practices, skincare brands are redefining the narrative by championing authenticity, eco-friendly initiatives, and a commitment to the well-being of both users and the planet.

    Founded in 2018, The Green Loom is a direct-to-consumer (D2C) skincare brand committed to promoting and enhancing natural beauty through its range of natural products. The brand is dedicated to formulating eco-friendly skincare solutions, devoid of harmful artificial substances like parabens, petrochemicals, sodium lauryl, synthetic colors, and dyes.

    Founded by Seeza Bhardwaj, a mompreneur, The Green Loom was born out of her passion for skincare and environmental responsibility. She envisioned a brand that not only caters to diverse skincare needs but also upholds values of transparency and sustainability. She strongly believes in the nourishing capabilities of nature and seeks to enhance one’s natural beauty through the brand’s skincare range.

    Indiantelevision.com in an email chat with The Green Loom founder Seeza Bharadwaj delved into her journey as a mompreneur, the skin care brand’s establishment and distinct aspect and much more…

    Edited Excerpts:

    On the transition from being a mom to founding The Green Loom and the journey since its inception in 2018

    A: My journey toward founding The Green Loom stems from a deep-rooted passion for farming. My experience spans five years with the NGO Kheti Virasat Mission in Punjab, where I honed my skills in organic farming under the guidance of Dr. Vandana Shiva at her farm in Dehradun back in 2013. This journey led me to organise permaculture courses in Punjab, collaborating with experts like Dr. Narsana Koppula and Mr. Amol Ghag from Ficus Panda, Mumbai. Prior to delving into entrepreneurship, I dedicated almost a decade to working in various farms.

    Initially, I began working under the name ‘Green Love’, where I supported individuals with their kitchen gardens and assisted farmers in selling their produce on a small scale. However, despite the impact, it did not yield financial returns and felt more akin to social work. I attempted to emulate my mother’s successful clothing store business model but didn’t encounter success there eventually leading to closure of the venture.

    Later, when I became pregnant, my ability to travel and dedicate extensive effort diminished. Throughout, my underlying ethos remained steadfast: my professional pursuits had to be environmentally friendly and sustainable. During my pregnancy, I devoted substantial time to introspection. It was here when a discussion with a friend revealed mutual interest, prompting us to initiate The Green Loom as partners. Thankfully, our family friends, who ran a small factory producing natural cosmetics, understood my vision and requirements and we collaborated on formulations. I took care of branding such as logo design, naming, and packaging. In July 2018, we officially launched the brand – The Green Loom

    Two months post-launch, my partner opted to leave due to her impending motherhood. It was during this period, with my daughter Zahanvi at three months old, that I assumed sole ownership. Her arrival was serendipitous and a constant source of gratitude for me.

    The inception of the Green Loom was fuelled by passion. However, navigating today’s business landscape demands more than passion—it necessitates a profound understanding of business dynamics. I encountered and learned from my fair share of mistakes. I realised that marketing is the cornerstone; irrespective of producing high-quality products, without effective marketing, success remains elusive. Learning this lesson took time, but it was an essential raw material in the fabric of our success.

    On The Green Loom differentiating itself from its competitors and the brand adhering to the latest ASCI regulations

    In an already crowded skincare market, our brand distinguishes itself by adhering to our core principles of being natural, sustainable, and straightforward. Our commitment to sustainability extends to our packaging practices, favouring ‘made in Bharat’ ingredients in our formulations while minimising the use of imported elements. We prioritise reducing our carbon footprint across production and distribution processes. Emphasising multi-utility products, we steer clear of advocating an abundance of skincare items. Educating our consumers about this philosophy remains a key focus for us.

    Regarding the ASCI guidelines, we welcome these regulations wholeheartedly. There’s a genuine concern about unchecked information within the online influencer market, especially considering their significant influence on a young demographic. We’ve observed instances where young individuals, influenced by online personalities, have harmed their skin by using inappropriate products.

    While we appreciate these guidelines, there are lingering concerns. Celebrities and influencers carry significant responsibility in endorsing brand claims, yet the guidelines primarily address larger influencers with over 50k followers. This leaves a substantial portion of influencers outside the purview of these regulations.

    However, there’s a growing awareness among consumers regarding influencer dynamics. Brands now predominantly rely on social media influencers to reach a wider audience. Yet, there’s a concern for the younger generation who often take everything they see on social media at face value. False claims propagated by brands and celebrities/influencers could significantly impact them adversely.

    On The Green Loom standing out in prioritising transparency and authenticity in skincare, in an era dominated by influencers

    In the age where influencers dominate the skincare landscape, The Green Loom stands out by placing a premium on transparency and authenticity. Recognising that marketing is an essential component, I’ve invested considerable time in comprehending its dynamics. It’s evident that having the finest product isn’t enough; effective marketing is pivotal for success.

    In today’s rapidly evolving market, the allure of new trends can overshadow brands. However, our commitment lies in staying true to our core principles and values. To infuse vitality into our brand and products, we conducted a six-month study, meticulously analysing various influencers and journalists who genuinely believe in and use our products. Our approach involves allowing them to authentically experience and share their unbiased opinions with their audiences, devoid of scripted endorsements.

    During the last six months, we’ve organically garnered online reviews, emphasising genuine experiences with our brand. While we’ve just begun collaborating with influencers, our foremost objective remains creating educational content centered around skincare. Our aim is to underscore the significance of transparency and natural ingredients, ensuring that our messaging aligns with our core values.

    On challenges that have you encountered as a mompreneur in the skincare industry and these experiences shaping the brand growth

    Both my daughter and The Green Loom are my cherished endeavours. I have dedicated countless hours and effort to nurture them. For two years, I operated as a lone force propelled by passion. It’s been an emotionally charged journey—moments of solitude, frustration, and overwhelming situations that meditation helped me navigate. Throughout, I’ve consciously shielded my baby from the stresses of my business, aiming to relish both motherhood and work without regrets. I view every up and down as a beautiful memory shaping this journey.

    My initial clarity was to prioritise my daughter for the first five years. During this time, I delved into a professional course on natural skincare, extensively researched ingredients, and sought to understand consumer behaviour. I immersed myself in learning the trending ingredients and products and differentiating the role of cosmetologist and dermatologists.

    Individuals are usually reluctant to experiment with new skincare brands. To tackle this, I conducted exhibitions that helped me converse with people, gaining insight into their needs. Understanding the psychology behind customers’ willingness to invest in chemically loaded products for status intrigued me. Following this, I decided to personally engage with customers for two years, educating them about our products while learning from them. Hosting workshops on natural skincare, traditional food, and health became a means to connect and inform.

    2020 was supposed to be a defining year. Plans to expand into eco-friendly wedding invites and gifting were in motion, investments made, and our launch scheduled at a family wedding. However, the sudden lockdown in March halted our momentum, resulting in zero sales initially. Gradually, once courier services resumed, we regained our footing, adapting our business model along the way.

    On The Green Loom actively contributing to your vision of educating the younger generation about natural beauty, and the impact that you hope to make on their skincare choices

    Over the past three years, I’ve been actively engaged with a girls’ college in Chandigarh, initiating my first session through a webinar in 2020. I would like to share an incident that deeply resonated with me, affirming my ability to make a positive difference in someone’s life. Attending one of my sessions at the college, there was a 19-year-old girl, about to enter an arranged marriage due to familial pressure despite her desire to pursue education. She felt burdened by her dark complexion, a point of concern for her family. She reached out to me and after our conversation, she recognised her lack of self-love and respect. This realisation empowered her to confront her parents about her aspirations. Fortunately, her parents supported her decision and she continued with her higher education.

    I’ve extended these talks to three colleges, conducted over ten workshops, and organised webinars for the wives of Army regiments. In today’s overwhelming sea of information, particularly for teenagers, the unrealistic definition of beauty inundates them. It’s crucial to guide them towards self-acceptance and prioritise their lifestyle and dietary choices before external skincare products.

    My aim is to instil in them the importance of self-care and using skincare products out of love rather than self-hate. Sadly, societal pressures often lead these young individuals to despise their skin and bodies, driving them to use products merely to conform to a manufactured beauty standard. I aspire to change this narrative, encouraging them to embrace and nourish their natural beauty.

    On the development process of your skincare products ensuring they cater to diverse beauty needs

    Our approach to product development involves meticulous research on ingredients, prioritising formulation based on efficacy rather than following fleeting trends. Primarily utilising oils, butters, hydrosols, and herb and flower powders, we draw heavily from Ayurveda and ancient skincare wisdom. Our philosophy revolves around simplifying skincare and body care, making it both accessible and pleasurable while integrating deep-rooted knowledge.

    On future expansion plans and your vision and mission for the next three years

    The Green Loom transcends the mere sale of products; it embodies a mission to deeply engage with the upcoming generation, fostering a profound connection with both themselves and the natural world. We envision skincare as more than an external application; it’s about holistic well-being. By the end of next year we will have three separate services

    1.   E-commerce: Our platform will continue to curate and sell high-quality products. Content creation will play a pivotal role, focusing on disseminating ancient knowledge and holistic self-care practices for body and mind.

    2.   Workshops and talks: Engaging with colleges and various institutes is a significant avenue for us. These platforms not only allow us to connect with new consumers but also serve as an indirect channel for product introduction and sales.

    3.   Eco-friendly and sustainable gifting: In a world increasingly conscious of environmental issues, this remains an underexplored market. We’re passionate about delving into this realm, offering eco-conscious gifting options while raising awareness about sustainability. 

  • Facebook, Twitter get transparent about ads

    Facebook, Twitter get transparent about ads

    MUMBAI: Microblogging platform Twitter has made it easier for users to identify political campaign ads and know who paid for them.

    According to Reuters, Twitter has launched a transparency centre to allow  users to view ads that have been put on Twitter, with greater transparency about US federal election campaign ads.

    The tool follows Twitter’s recently launched political campaign ads policy and a similar move by Facebook which started a searchable archive of US political ads last month.

    Additionally, Mark Zuckerberg-led Facebook has also announced that it would go even further by enabling users to see listings of all active ad campaigns, whether the advertiser is political in nature or not. Users can also view a log of name changes to a Facebook page.

    Facebook also mentioned that the features should help people spot misuse of the platform. 

    Twitter’s ads centre gives users access to details such as demographic targeting data for the ads from US political advertisers, along with billing information, ad spending, and impression data per tweet.

    The transparency centre will include all advertisers on Twitter globally, but at this stage only US federal election campaign ads that fall under its new policy will be shown.

    Following suit, Google has also pledged to launch a similar transparency centre for political ads on its services this summer. 

  • Wireless b’band speed: TRAI invites transparency & customer awareness ideas

    NEW DELHI: The Telecom Regulatory Authority of India wants stakeholders to give their views on ensuring transparency and customer awareness regarding data speeds under wireless broadband plans and has suggested various tools that may be deployed for measuring data speeds

    In a Consultation Paper on ‘Data Speed under Wireless Broadband Plans’, the Authority has asked stakeholders to respond to nine questions raised by it by 20 June with counter-comments if any by 13 July.

    At the outset, it says the National Telecom Policy of 2012 (NTP-2012) has the vision of Broadband on Demand and envisages leveraging telecom infrastructure to enable all citizens and businesses, both in rural and urban areas, to participate in the Internet and web economy thereby ensuring equitable and inclusive development across the nation. It provides the enabling framework for enhancing India’s competitiveness in all spheres of the economy

    Wireless access networks are the main source of delivering broadband in the country. Global mobile subscriptions are growing around 5 percent year-on-year. According to the Ericsson’s mobility report, India grew the most in terms of net additions during the third quarter of 2016 by adding 15 million connections. These figures have increased substantially in the last few quarters. Out of the total 236.09 million broadband subscribers in the country as of 31st December 2016 approximately 92.32% – 217.95 million subscribers – are through wireless access.

    According to a GSMA report titled ‘The Mobile Economy, India 2016’, at the end of June 2016, 616 million unique users subscribed to mobile services in India, making it the second largest mobile market in the world. Almost half the country’s population now subscribes to a mobile service. The report suggests that improving affordability; falling device prices and better network coverage aided by operator investment will help deliver over 330 million new unique subscribers by 2020, taking the penetration rate to 68%. It further adds that as more users migrate to high-speed broadband, mobile data traffic is expected to grow 12-fold between 2015 and 2020, at a CAGR of 63%.

    Data usage by GSM users has already shown an unprecedented growth in the recent months from an average usage of 236MB per month in September, 2016 to 884 MB per month in December 2016.

    Along with this, the composition of revenues earned by operators is also changing. Mobile operators in India have so far reported limited revenue contribution from data services, generating 17% of service revenues at the end of 2015. This is forecast to increase to 23% by 2020.

    The Broadband Policy of 2004 defined broadband as “An ‘always-on’ data connection that is able to support interactive services including Internet access and has the capability of the minimum download speed of 256 kilo bits per second (kbps) to an individual subscriber from the Point of Presence (POP) of the service provider intending to provide broadband service where multiple such individual broadband connections are aggregated and the subscriber is able to access these interactive services including the Internet through this POP. The interactive services will exclude any services for which a separate license is specifically required, for example, real-time voice transmission, except to the extent that it is presently permitted under ISP license with Internet Telephony”.

    The questions raised in the paper, which discusses the various initiatives that have been taken by the Authority in relation to broadband speeds in India and their current status and provides a summary of the international experience on similar issues, are:

    Q1: Is the information on wireless broadband speeds currently being made available to consumers is transparent enough for making informed choices? Q2: If it is difficult to commit a minimum download speed, then could average speed be specified by the service providers? What should be the parameters for calculating average speed?

    Q3: What changes can be brought about to the existing framework on wireless broadband tariff plans to encourage better transparency and comparison between plans offered by different service providers? Q4: Is there a need to include/delete any of the QoS parameters and/or revise any of the benchmarks currently stipulated in the Regulations?

    Q5: Should disclosure of average network performance over a period of time or at peak times including through broadband facts/labels be made mandatory? Q6: Should standard application/ websites be identified for mandating comparable disclosures about network speeds?

    Q7: What are the products/technologies that can be used to measure actual end-user experience on mobile broadband networks? At what level should the measurements take place (e.g., on the 26 device, network node)? Q8: Are there any legal, security, privacy or data sensitivity issues with collecting device level data?

    a) If so, how can these issues be addressed? b) Do these issues create a challenge for the adoption of any measurement tools?

    Q9: What measures can be taken to increase awareness among consumers about wireless broadband speeds, availability of various technological tools to monitor them and any potential concerns that may arise in the process?

  • TRAI attempts greater transparency via auditor empanelment

    TRAI attempts greater transparency via auditor empanelment

    NEW DELHI: While it remains to be seen if the provisions of the Interconnect draft will have a salutary effect on the cases pending before the Telecom Disputes Settlement and Appellate Tribunal but the Telecom Regulatory Authority of India appears to have learnt some lessons, at least as far as subscription and audit of systems go.

    There are clear provisions that every distributor of TV channels will provide to the broadcaster complete and accurate subscription report for channels or bouquets of channels of such broadcaster within fifteen days from the end of each calendar month in the specified format.

    It has been made clear that the broadcaster will disconnect the signals of television channels after giving three weeks’ prior written notice to the distributor if the distributor fails to provide the subscription reports under this regulation for immediately preceding three consecutive months.

    On the basis of subscription report, the broadcaster will issue monthly invoice to the distributor for pay channels or bouquets of pay channels and such invoice will clearly specify the current payment dues and arrears, if any, along with the due date for payment.

    The broadcaster will allow a time period of at least 15 days to the distributor for making payment from the date of receipt of invoice by the distributor.

    The broadcaster will have no claim on any arrears amount which has not been specified by him in the immediate next three consecutive invoices issued after the due date for the invoice to which arrears pertain.

    In case the distributor fails to provide the subscription report within the period of 15 days from the end of the month, the broadcaster will have the right to raise a provisional invoice for an amount increased by ten per cent of the licence fee payable by the distributor for the immediate preceding month, and the distributor will be under obligation to make the payment on the basis of such provisional invoice.

    It will be mandatory for the distributor to carry out reconciliation, between the provisional invoice and the final invoice raised by the broadcaster on the basis of the subscription report sent by the distributor, within three months from the date of issue of such provisional invoice.

    Similar provisions have been provided for every distributor to issue monthly invoice to the broadcasters with whom the written interconnection agreements have been entered into for carrying channels for payment of the carriage fee amount payable by such broadcaster along with the subscriber base in the target market and the subscription report for the channels of the broadcaster carried by the distributor of television channels in the format specified and such invoices will clearly specify the current payment dues and arrears, if any, along with the due date for payment.

    Every distributor of television channels will carry out an audit of its subscriber management system, conditional access system and other related systems by an auditor to verify that the subscription reports made available by the distributor to the broadcasters are complete, true and correct once in a calendar year, and issue a audit report to this effect for the each concerned broadcaster.

    TRAI itself may empanel auditors for this purpose and the distributors will have to compulsorily get the SMS audited by these. Any variation due to audit resulting in less than zero point five per cent of the billed amount will not require any revision of the invoices already issued and paid.

    However, if a broadcaster is not satisfied for any reason, it may get an audit carried out not more than once in a calendar year.

    If such audit reveals that additional amounts are payable to the broadcaster, the distributor will pay such amounts along with the late payment interest rate specified by the broadcaster in the interconnection agreement within 10 days and if such amount including interest due for any period exceed the amounts reported by the distributor to be due for such period by two per cent or more, the distributor shall pay all of the broadcaster’s costs incurred in the conduct of such audit, and take any necessary actions to avoid such errors in the future.

    Every distributor will offer necessary assistance to auditors so that audits can be completed in a time-bound manner.

  • TRAI attempts greater transparency via auditor empanelment

    TRAI attempts greater transparency via auditor empanelment

    NEW DELHI: While it remains to be seen if the provisions of the Interconnect draft will have a salutary effect on the cases pending before the Telecom Disputes Settlement and Appellate Tribunal but the Telecom Regulatory Authority of India appears to have learnt some lessons, at least as far as subscription and audit of systems go.

    There are clear provisions that every distributor of TV channels will provide to the broadcaster complete and accurate subscription report for channels or bouquets of channels of such broadcaster within fifteen days from the end of each calendar month in the specified format.

    It has been made clear that the broadcaster will disconnect the signals of television channels after giving three weeks’ prior written notice to the distributor if the distributor fails to provide the subscription reports under this regulation for immediately preceding three consecutive months.

    On the basis of subscription report, the broadcaster will issue monthly invoice to the distributor for pay channels or bouquets of pay channels and such invoice will clearly specify the current payment dues and arrears, if any, along with the due date for payment.

    The broadcaster will allow a time period of at least 15 days to the distributor for making payment from the date of receipt of invoice by the distributor.

    The broadcaster will have no claim on any arrears amount which has not been specified by him in the immediate next three consecutive invoices issued after the due date for the invoice to which arrears pertain.

    In case the distributor fails to provide the subscription report within the period of 15 days from the end of the month, the broadcaster will have the right to raise a provisional invoice for an amount increased by ten per cent of the licence fee payable by the distributor for the immediate preceding month, and the distributor will be under obligation to make the payment on the basis of such provisional invoice.

    It will be mandatory for the distributor to carry out reconciliation, between the provisional invoice and the final invoice raised by the broadcaster on the basis of the subscription report sent by the distributor, within three months from the date of issue of such provisional invoice.

    Similar provisions have been provided for every distributor to issue monthly invoice to the broadcasters with whom the written interconnection agreements have been entered into for carrying channels for payment of the carriage fee amount payable by such broadcaster along with the subscriber base in the target market and the subscription report for the channels of the broadcaster carried by the distributor of television channels in the format specified and such invoices will clearly specify the current payment dues and arrears, if any, along with the due date for payment.

    Every distributor of television channels will carry out an audit of its subscriber management system, conditional access system and other related systems by an auditor to verify that the subscription reports made available by the distributor to the broadcasters are complete, true and correct once in a calendar year, and issue a audit report to this effect for the each concerned broadcaster.

    TRAI itself may empanel auditors for this purpose and the distributors will have to compulsorily get the SMS audited by these. Any variation due to audit resulting in less than zero point five per cent of the billed amount will not require any revision of the invoices already issued and paid.

    However, if a broadcaster is not satisfied for any reason, it may get an audit carried out not more than once in a calendar year.

    If such audit reveals that additional amounts are payable to the broadcaster, the distributor will pay such amounts along with the late payment interest rate specified by the broadcaster in the interconnection agreement within 10 days and if such amount including interest due for any period exceed the amounts reported by the distributor to be due for such period by two per cent or more, the distributor shall pay all of the broadcaster’s costs incurred in the conduct of such audit, and take any necessary actions to avoid such errors in the future.

    Every distributor will offer necessary assistance to auditors so that audits can be completed in a time-bound manner.

  • TRAI tariff order: MSOs welcome its direction

    TRAI tariff order: MSOs welcome its direction

    NEW DELHI: At least two multisystem operators (MSOs) have welcomed the broad drift of the Telecom Regulatory Authority of India’s  (TRAI’s) Telecommunication (Broadcasting and Cable Services) (Eighth) (Addressable Systems) Tariff Order, 2016. The draft, released on Monday, seeks to bring in transparency to an otherwise disorganized sector.

    Indiantelevision.com spoke to a bunch of executives from broadcasting, cable TV,  and even the TRAI advisor on the proposed regulation. Most said it was too early to comment as they had not got the time to study it.

    S N Sharma, who surprised many earlier this year by returning to the national multi-system operator (MSO) DEN Networks as its  chief executive, said “It is a good draft; we welcome it. It brings a lot of transparency and ease, especially in the life of the consumer. We, as an MSO, look for a fair share of revenue, and hope to get the same.” He said he still had to study the draft in full, and would give further comments later.

    public://sn-sharma_0.jpg
    S.N.Sharma CEO,DEN Networks Limited

    Regional MSO Ortel Communications President & CEO  Bhibhu Prasad Rath, welcoming the draft, said “We believe that this draft regulation, if implemented, will bring in path-breaking changes to the industry structure with a lot of transparency and non-discrimination.”

    Rath added: “Currently, there is widespread discrimination in the content deals done by some broadcasters with various DPOs (distribution platform operators). The prices of the same channels or bouquet of channels vary widely from one DPO to another across the country. The new proposed regulation intends to bring in uniformity in the cost structure so that a level-playing field will be created while we all compete in the same market.”

    Rath also noted that the other major issue that the regulations attempts to address is the unbundling of channels. “Currently, many broadcasters offer around 80-90% discount / incentives on a bouquet deal as compared to the sum of a la carte prices of the respective channels. This, in my view, is unreasonable and intended to discourage a la carte subscription. The proposed regulation, by capping the bouquet discount at a maximum of 15%, will be a big relief to consumers who want to subscribe to channels on a la carte basis and will encourage DPOs to pass on to the benefit to consumers.”

    “Overall, this regulation, in addition to bringing in non-discriminatory and transparent practices in the industry, will go a long way in implementing digitization in its true spirit where “choice” is in the hands of the consumers,” he concluded.

    “I think it is a fabulous piece of proposed regulation,” says HITS consultant Castle Media director Vynsley Fernandes. “I think the TRAI has really outdone itself. I can only see the industry opening up and growing from hereon.”

    However, National Cable and Telecommunications head and founder of Home Cable Network of Delhi, Vikki Choudhry was the dissenting voice. Said he:  “This draft order is still not a cost-based tariff fixation, TRAI was supposed to conduct an exercise according to the Supreme Court and TDSAT orders. This draft tariff is completely anti-consumer. When the present tariff (rates) were coming down by 70 per cent, the regulator has further provisioned an increase of about 45-55 per cent for the Pay TV broadcasters.”

    (In May this year, TDSAT had said it thought TRAI “will be well advised to have a fresh look at the various tariff orders in a holistic manner and come out with a comprehensive tariff order in supersession of all the earlier tariff orders.”) Sunil Gupta, advisor to TRAI, responding to this allegation said: “We have protected the interests of the consumer: why should he pay even one extra rupee for a channel he does not want to watch? This draft brings the power of choice to the consumer’s hands. He can choose to have a lower cable TV bill or higher.”

    Gupta further added that the new category of  premium channels will allow broadcasters to offer specialized channels at higher MRPs – even Rs 100 – if the consumer wants them at this price, thus overall increasing the ARPUs of all those in the value chain.

    Gupta also said that the interconnection paper for local cable operators and multi-system operators would come out soon. The entire industry value chain should read this and understand we have protected everyone’s interests – the cable TV operators, MSOs, broadcasters, customers. The  ARPUs of the entire industry would go up in the coming months, he said.

    Also read:

    Tariff Hike Case: SC rejects appeal challenging TDSAT order; asks TRAI to out new tariff