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{
    "id": 1337281,
    "url": "https://info.mzalendo.com/api/v0.1/hansard/entries/1337281/?format=api",
    "text_counter": 208,
    "type": "speech",
    "speaker_name": "South Mugirango, UDA",
    "speaker_title": "Hon. Silvanus Osoro",
    "speaker": null,
    "content": "Even as we talk about setting some very strong punitive measures against those insurance companies that do not want to pay clients, it is also important for us to standardise the format. The insurance companies need to come up with a standard format, so that we know that when you get an accident, this is the channel. How high do we set the standards of checking whether the claim is true or false? There are insurance companies which are different. There is another one that pays well and another one is slow in settlement. Those are the things that we also need to cure. The other thing that we also need to look at is the brokerage companies. You realise that this Bill is limited to the directors and those people who are in charge. We need to think through a way. Hon. Millie who will speak after me may understand better. We need a way to set vicarious liability—for lack for a better word. There is a principal insurance company. Then, there is an agent and a brokerage. We will do this so that blame is not shifted. These are two sets of directors. A brokerage company has a director but that is not the principal insurer who may be a bigger one like what we have here in the National Assembly. Which director will take direct fiduciary responsibility, Hon. Temporary Speaker? Perhaps this is the discussion that we need to have, so that we know how we will set the retribution for the agency and mother company to avoid blame games. Perhaps, we also need to go through their memorandum of understanding and see what happens. What happens if the agency decides to close down and the mother company faults the claim and decides to down the tools? Those are the things that we also need to check out. Insurance business in this country is very easy to open and operate, but it is very hard to settle claims. Any person can register an insurance company. However, what happens to the settlement of claims, even the hospital bills? Look at what happens to salaried people like us, and the employer is obligated to pay our insurance premiums. We go to hospitals and sometimes we are told to wait for confirmation of the email they have written. It is on a Sunday. You did not order your body to be sick, but you are told to wait. You have a patient there. It takes about seven hours or so. You lose your patient, yet you are covered. This is something that we need to think through. We have really tried to limit ourselves just within one angle. The electronic version of the Official Hansard Report is for information purposesonly. A certified version of this Report can be obtained from the Hansard Editor."
}