Issues reported by West Bengal Circle in McCamish

(Part-I)

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1. Calculation of bonus has been resolved for the maturity claim settlements but in cases of ‘Surrender claim’ the previously indexed (in some cases newly indexed cases are still showing the same result of miscalculation especially in respect of those PLI/RPLI policies in which last premium has been paid in the month of March of any year. As per rule, no bonus is admissible for the year, if the last premium is paid in any month of that year. But in McCamish, the bonus is shown in such cases at present. In this regard, a ticket was also been raised through the MEOPs (Ticket ID: IN187685 dated 10/-6/2016), but till date M/s Infosys has not given any satisfactory reply against the said Ticket ID.

Reply: The matter has already been taken up with Infosys for deploying the required fixes for the issue in production environment of McCamish. The issue is expected to be resolved shortly. 

2. Agent commission and Medical Examiners’ fee reports are not being generated. There was a specific guideline forwarded by the Directorate where the procedure was suggested to collect the report for the both items. But through application of that guideline blank reports are being generated.

Reply For agent commission report and other reports which were there in legacy system i.e. NIC, the matter has been taken up with Infosysduring the meeting held on 22-06-2016 & 23-06-2016 and soon a number of more reports including agent commission report will be made available in the McCamish. For non-generation of Medical Examiners’ fee report, the same is getting generated from the login ID at Directorate level user. If still there’s issue, Circle is requested to provide Ticket ID raised for this problem for taking it up with Infosys for resolving the same. In addition, a new functionality i.e. Ad-hoc scheduling of Report, has also been introduced in the McCamish on 27-07-2016 which includes all the batch and online reports, the Circle user can schedule any of the batch or online reports. The frequency of these reports is also configurable and can be generated in Excel, CSV and PDF formats. This functionality is accessible on the dashboard of McCamish application. 

3. Policy Number updations are currently being done by the Divisions of West Bengal Circle through. CSV file. But in any case of manual error where the CPC has entered any wrong amount and coincidentally McCamish has realized the actual amount and the excess amount for that policy number, the excess amount goes into the Suspense. McCamish shows that the amount in suspense has already been received from the Customer. So the CPC is supposed to reverse the Excess amount with the remark ‘Invalid Data Entry”. But that specific menu, i.e. Suspense maintenance, is acting unnaturally and as a result the amount cannot be reversed from the suspense account.

Reply: It is seen that the problem occurs only in such cases where there is no check of .csv files being uploaded in the system i.e.McCamish.As per PLI Dte. letter No. 29-34/2014-L1 (Vol-II) dated 16-09-2015, no CSV file should be uploaded without approval of CPC Manager. In addition, it was clarified to the Circles that the Bulk Upload facility is for updating the premium posting for those policies only where maturity date has passed or death claim or surrender request has been indexed and no front end collection is, as such, possible. In addition, where policies have lapsed due to non-updation of premium posting in NIC system by offices concerned, and hence, updation of premium posting is required. Besides, for pay policies, this functionality is used after following process of 'Special Group Collection'. Except cases mentioned above, in other cases, Bulk Upload utility to update the premium posting of legacy data should not be used and the process ofUCP Sanction (now Push back Sanction) has to be used. It is informed that there cannot be a permanent solution in the system for the user’s mistake on day to day basis. 

4. In cases of revival the customer has the opportunity to choose 1-12 installments to pay the revival amounts. But whenever a case is being approved with more than 1 installment the premium calculation is showing strange anomalies in ‘Collection” menu. In this regard, for a case of revival amount anomaly. In ‘Collection” table a Ticket ID has been raised through MEOPs (Ticket ID: IN187509 dated 09/06/2016), but till date M/s Infosys has not given any satisfactory reply against the said Ticket ID.

Reply A defect was noticed through a number of tickets raised by the Circles in the option to pay revival amount in installment in the McCamish. In the matter, Infosys has soughtsome clarifications along with calculations vis-a-vis different scenarios/frequencies under Installment revival. This was after the system specification requirement (SRS) document was finalized and provided to Infosys for its restoration. It is expected that the facility for paying revival amount in installments would be resumed shortly. 

5. In a number of cases, requests are being forwarded to the ‘System Admin Queue’ before or after being approved. The case has been escalated to M/s Infosys and momentarily the problem was solved for the specific cases. But no permanent solution has been provided. Till date the mentioned problem has again and again been reported by different CPCs.

Reply The workflow in the McCamish has been designed to operate as per logical parameters, For example:- if a Quality Checker submits the task to next stage for further processing, the system will look for approver having the defined queue for the task (i.e Sr. Postmaster/Postmaster in case of New Proposal upto 5 Lacs), if there’s no approver created in the workflow having appropriate queue or authorization, then the task will get automatically reserved in the system admin queue. It is therefore suggested to check whether approvers has been created in the McCamish with appropriate queue. 

6. In cases of new proposals aggregated sum assured cannot be calculated automatically by the system itself and as a result new proposals are getting reserved in wrong approver’s account. 

Reply The matter has been taken up with Infosys team during the PLI Sub Committee meeting held on 28-06-2016, the same was also discussed in the Project Implementation Committee (PIC) meeting dated 30-06-2016. PIC has decided that the functionality for merging of multiple policies of a single insurant having different customer IDs will be provided in the McCamish by Infosys. Infosys has also agreed for the same. It may take 60 days approximately. 

7. The report menu is currently lacking a lot of provisions which needs to be included in the system for proper documentation/administration, as well as information for the sake of smooth functioning of CPCs. Like generation of lapsed policy (List (Office-Wise), Category-Wise claim settlement report, loan instalment arrear report, discontinuation notice reports for pay policies, maturity claim & survival benefit intimation, conversion due notification for CWA policies. 

Reply As per Point No. 2 above. 

8. Loan cases are not updated in McCamish, Huge number of cases have applied for loan in post migration environment and unfortunately almost 95% cases among them are showing that either a number of loan repayments or all of the loan repayments are not been updated in McCamish(live environment). But unlike renewal premium M/s Infosys has not included any kind of updation procedure for loan repayments. As a result the customers are facing a lot of hardships in the matter of claim cases (Maturity claim, death claim or surrender).

Reply: Despite clear instructions from the PLI Dte. that loan ledgers of all policies must be updated before migration and it was reiterated that once the wrong or incomplete data is migrated, there is no option to correct it in the new system (i.e. McCamish) at any level. (Reference: Dte letter No. 6-03/2008-LI (Correction) (Vol-II) dated 23-05-2014). However, to mitigate the problem, the matter was deliberated upon and a detailed workaround solution has been devised and communicated to the Circles vide Member (PLI) DO No. 29-34/2012-LI (Pt-6) dated 13th July 2016. 

9. A lot of customers have opted for conversion in the pre-migration environment and almost 99% cases were not updated in the post migration environment. As a result the status of the policy is still showing the previous situation of product type and the customer is currently unable to deposit premium in the new system i.e. McCamish.

Reply: Despite clear instructions from the PLI Dte.that where policies were converted manually but not in system in the past, the same must be updated in the NIC system well before the migration and it was also reiterated that once the wrong or incomplete data is migrated, there is no option to correct it in the new system (i.e. McCamish) at any level. (Reference: Dte letter No. 6-03/2008-LI (Correction) (Vol-II) dated 23-05-2014.) However, to mitigate the problem, the matter is under examination. 

10. In McCamish the letter generation procedure is sometimes taking unnecessarily long time to get completed for various request IDs and as a result the Customers are becoming the ultimate sufferers. It is being resolved by raising Ticket IDs through MEOPs but that solution is becoming temporary and the issue is being raised again and again by different CPCs.

Reply The performance of McCamish has improved to a great extent during the last month i.e. June 2016. Such issues were being observed during the period before June 2016 and that too only in few policies and not at a national level. So, Circle is requested to provide feedback based on performance of McCamish in the current month i.e. July 2016 and also if any such issues are still being noticed, Ticket IDs may please be provided.

DEFICIENCY IN MCCAMISH SOFTWARE.

(PART-II)

1. User wise premium collection report not generated. 

Reply: User wise premium collection details can be ascertained from the online‘Detailed PLI receipt payment report’and ‘Day End Collection Report’ which can be accessed in Excel and .CSV formats and consolidated user wise. (An extract of the ‘Day End Collection Report of Kolkata GPO and PLI receipt payment report of Coochbehar HO are enclosed as ‘Annexure-I’ &‘Annexure-II respectively for reference). 

2. The premium collected through counter are shown in the report as renewal premium or revival premium. The premium deposited for the policies as 1st year premium is also shown as renewal premium, so, 1st year premium amount cannot be calculated. 

Reply: There is anonline report ‘Detailed PLI receipt payment report’already available in the report option of the McCamish to fulfill the requirement of the Circle. (Screen shot attached at ‘Annexure-II). 

3. Division wise for a specific period new business collection report not generated

Reply There is a batch report ‘Consolidated New Business In force Report’already available in the Reports Admin option of the McCamish. The report is available at Regional Level User Login. (Extracts of the Reports are attached as ‘Annexure-III’)

4. Product type wise new business procurement report for a specific report not generated.

Reply: There are following three types of batch reports available in the reports admin in the McCamish.

i. Policies Sold Age Main. ii. Policies Sold Marital Status Main. iii. Policies Sold Qualifications Main.

All the above three types of New Business Procured Reports are having ‘Product Type’ mentioned against each of new policy procured in the McCamish. These reports are available in both PDF and.CSV formats. The CSV format report can be downloaded and consolidated to ascertain the Product Wise New Business Procured Report on Monthly, Half-Yearly and Annual basis. (Extracts of the Reports are attached as ‘Annexure-IV’)

5. As per existing cheque clearing procedure to get a cheque realization report from clearing house it will take almost 20-25 days. So practically it is hardly possible to get cheque from the customers as PLI Premium.

Reply As per existing procedure for acceptance of cheque as premium on the post office counters, the cheque for paying premium of both PLI and RPLI can be accepted on any working day during the month. An acknowledgment for receipt of the premium through cheque is then issued to the customer from the McCamish the whole transaction through cheque payment is over. In case the cheque gets cleared then there is no issue, and in case the cheque got bounced due to any reason, a reverse entry has to be made in the suspense account option in the McCamish selecting the reason as ‘Cheque dishonoured’. The customer is also informed about his/her cheque getting dishonored and that he/she is liable to pay default fee (in case there is change of month) and Cheque dishonour fee along with the premium amount for the month against which cheque was presented on the counter. Thus, there is no problem in collection of premium from the customers through cheque on the counter. 

6. For letter generation i/r/o any service request, new proposal it will take 3 to 10 days. 

Reply As per point 10 (Part-I) above. Circle is also requested to provide feedback based on performance of McCamish in the current month i.e. July 2016 and also if any such issues are still being noticed, ticket ID may please be provided. 

7. No any correction or change of data like address change, title change cannotbe done in McCamish for the policies already got matured so maturity sanction memo is generating with old/previous address data.

Reply: After the maturity no transaction can be allowed or service request can be processed on the policy. All such corrections should have been done before policy gets matured.

8. Even after adding/data entry of additional policy details in the new proposal entry the total amount showing zero.

Reply As per point No. 6 (Part-I) above. 

9. So far it is observed that the policies which are having maturity month March of any year McCamish software is generating one year excess bonus resulting delay in disbursement even after maturity sanction by the competent authority.

Reply There is a communication gap within the Circle on this issue since as per point No. 1 (Part-I) raised by the Circle above, it has already been acknowledged by the Circle that issue relating to one year excess bonus in maturity claims completed in the month march, has been resolved in the McCamish whereas here it is again taken up. It is informed that this has already been resolved in the system. 

10. Division wise list of DO/FO/DA not generated. 

Reply As per point No. 2 (Part-I) above.