MAM
ASCI upheld complaints against 62 out of 97 ads in Dec
MUMBAI: In December 2014, the Advertising Standard Council of India’s (ASCI) Consumer Complaints Council (CCC) upheld complaints against 62 out of 97 advertisements.
Out of 62 advertisements against which complaints were upheld, 40 belonged to personal and healthcare category, followed by the education category with 11 advertisements.
The CCC found the following claims in health and personal care product or service advertisements of 40 advertisers to be either misleading or false or not adequately/scientifically substantiated and hence violating ASCI’s Code. Some of the health care products or services advertisements also contravened provisions of the Drug & Magic Remedies Act and Chapter 1.1 and III.4 of the ASCI Code.
Complaints were upheld against Procter & Gamble Home Products (Pantene Total Damage Care Shampoo & Conditioner) as the advertisement of Pantene Total Damage Care Shampoo & Conditioner claims that 3,50,00,000 women got the proof of Pantene’s Split-end protection. The figure of repeat usage of 3,50,00,000 users substantiated by the survey does not prove that the users actually got the proof of Pantene’s split-end reduction.
Similarly, the ad of Super Height claims to be the best medicine, which increases height speedily, with two times faster results than usual. They claim to be an ayurvedic medicine made completely of herbs, to increase one’s height by up to five inches in three months, with full money refunded if no benefits are found. It also claims to be the “World’s No.1 product which increases height with speed now in India after Japan, China, America and Russia.”
General Mills India (Pillsbury Fridge Cheesecake) advertisement of Pillsbury Fridge Cheesecake disparages a healthy diet of vegetable salads as the advertisement states “sada hua salad.”
In the education category, CCC found following claims in the advertisements by 11 different advertisers were not substantiated and, thus, violated ASCI guidelines for advertising of educational institutions. For instance, the advertisement of Career Launcher claimed “No.1 CAT test series program,” “Closest to CAT Test series – on the new CAT pattern,” “Best rated test series by students,” “True percentile predictor enabled test series,” “CL was also the only player to predict accurately the change in pattern and the even the likely dates!”, were not substantiated.
Advertisements of news channels also caught CCC eye. TV18 Broadcast (CNN-IBN) ad depicts a see-saw, which has CNN-IBN at one side shown with a big number 1, out weighing all the other channels depicted with numbers 2, 3, 4 and 5 on the other side of the see-saw. The CCC concluded that the negative portrayal of image of other channels is misleading by implication and disparaging to other competitor channels. Also, the advertisement claims that News X is India’s No.1 English News Channel. The source and date of the research / assessment for the claim was not indicated in the ad.
Buying family medical insurance online in India has become a common option for individuals who want to secure health coverage for multiple family members under a single policy. However, many buyers are unsure about the exact steps involved in selecting and purchasing the right plan online.
In this guide, you will know the step-by-step process of buying family medical insurance online in India, along with the key factors to review before purchasing a suitable policy.
Step 1: Assess Your Family’s Healthcare Needs
Before buying online health insurance, check the healthcare needs of all family members. Check age, existing illnesses, regular medicines, and the likely need for hospital care later. This helps in selecting a suitable sum insured, policy type, and level of cover. It also reduces the chance of buying a plan that appears suitable but does not meet actual medical needs.
Step 2: Visit the Insurance Company’s Official Website
After understanding the family’s needs, visit the insurer’s official website and read the plan details carefully. Use the official platform to review eligibility, policy wording, waiting periods, cover details, exclusions, and renewal terms.
This step gives a clearer understanding of how the policy works before payment is made. It also helps avoid confusion caused by incomplete summaries on other pages.
Step 3: Compare Available Family Health Insurance Plans
A family medical insurance policy should be compared on factors beyond the premium. Review the sum insured, hospital network, room rent limits, pre- and post-hospitalisation cover, daycare treatment coverage, and waiting periods. It is also important to check treatment sub-limits and specific policy conditions.
Careful comparison helps determine whether a plan provides balanced coverage and whether its terms are suitable for the healthcare needs of the entire family.
Step 4: Choose the Right Policy and Start the Online Purchase
Once the options have been compared, select the policy that best fits the family’s medical needs and budget. Before starting the application, review the covered members, policy term, benefits, and main conditions again. This is an important stage because errors here can lead to the wrong cover amount, an unsuitable variant, or missing details that create problems during policy use.
Step 5: Calculate the Premium Using an Online Calculator
Use the online premium calculator before making the final choice. Enter the correct details, including age, city, number of insured members, and selected cover amount. The result helps in understanding the expected premium and whether the policy fits the annual budget. This step is useful because it allows cost and coverage to be reviewed together, instead of choosing a plan only because the premium looks lower.
Step 6: Fill in Personal and Medical Details
When filling in the proposal form, provide accurate details for each insured member. This includes name, date of birth, contact details, medical history, ongoing treatment, and previous insurance information if required.
Every answer should be complete and truthful. Incorrect or missing details can create difficulty later. Before you submit the form, read every section again and correct any mistakes.
Step 7: Make Payment Through the Secure Payment Gateway
After checking the form, go to the payment page and complete the transaction through the secure payment gateway. Review the premium, policy term, and entered details once more before confirming payment.
After the transaction is completed, save the receipt, reference number, or confirmation message carefully. Keeping this record is useful if you need to track the purchase or follow up on policy issuance later.
Step 8: Download and Keep Your Policy Document Safely
Once the policy is issued, download the policy document, schedule, and any related papers without delay. Read them carefully to confirm member names, policy period, sum insured, and major terms. Save a digital copy in a secure folder and keep a printed copy if needed. Proper record keeping makes future renewals, document checks, and policy servicing easier and more organised when information is required quickly.
Conclusion
Buying health cover online becomes easier when you handle each step with attention. From checking your family’s needs to reading the final document, every stage helps you make an informed choice. A careful approach can reduce mistakes, improve your understanding of policy terms, and help you choose coverage that matches your household’s medical needs, financial capacity, and long-term healthcare planning in a reliable way for your family over the long term.
