CENTRAL INFORMATION COMMISSION
Room No.296, II Floor, B Wing, August Kranti Bhawan, Bhikaji Cama Place, New Delhi-110066
Telefax:011-26180532 & 011-26107254 website: cic.gov.in
Complaint: No. CIC/AT/C/2008/000715-DS
Complainant : Dr. Girish Sanghvi, Mumbai
Public Authority : United India Insurance Co. Ltd., Chennai
(through Shri S.Balaguna/CPIO; & Shri M.R.Vijayan,Manager(RTI)(AA))
Date of Hearing : 01/02/2010
Date of Decision : 01/02/2010
Facts
:-
The complainant is an HDFC Credit Card holder through which he is insured through
United India Insurance Company Limited. Vide his RTI application dated 04/03/2008, the
complainant Shri Girish Sanghvi has sought information regarding insurance policy taken by
HDFC Bank with UII for various privileges offered under credit card for the period 2006-07 and
2007-08 for the benefit of credit card holders holding platinum/or Gold Card. He has also sought
information regarding the claims ratio and the premium paid by HDFC with break up for each
privilege.
2. The CPIO vide his order dated 01/04/2008, has provided copy of policy for 2006-07 and
stated that premium/claims ratio cannot be provided as these are matters of commercial
confidence.
3. Not being satisfied, the complainant went in first appeal to FAA vide letter dated
09/06/2008 and also sought refund of the payment of Rs.20/ paid to the respondents.
4. The FAA vide his order dated 27/06/2008 upheld the orders of the CPIO following which
the complainant has come in an appeal before the Commission.
5. Hearing was held today at which respondents were present and represented as above. The
complainant was not present. The respondents stated that information pertaining to insurance
policy taken by HDFC bank with UII had already been provided to the complainant. They were,
however, emphatic in submitting that information pertaining to premium paid by the HDFC for the
various privileges to UII with break up of premium could not be disclosed and sought exemption
u/s 8(1)(d) of the RTI Act, 2005.
DECISION
6. Having studied the averments of the complainant and having heard submissions of the
respondent before the Commission, the Commission upholds the decision of the CPIO.
7. The matter is, accordingly, closed.
(Smt. Deepak Sandhu)
Information Commissioner (DS)
Authenticated true copy:
(Tarun Kumar)
Joint Secretary & Addl. Registrar
Copy to:-
1. Dr. Girish Sanghvi,
3, Krishan Building, 34,
Khetwadi 6th Lane,
Mumbai-400004.
2. Shri S. Balaguna,
The Central Public Information Officer
Under RTI Act, 2005,
United India Issurance Co. Ltd.,
Regional Office:-134,
Greams Road, Chennai-600006.
3. Shri M.R.Vijayan,Manager(RTI)
The Appellate Authority Under RTI Act, 2005,
United India Insurance Co. Ltd,
Head Office:-24,
Whites Road, Chennai-600014.