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Disputed medical fact

In workers’ compensation cases, a medical issue in disagreement or with a difference of opinion, such as an objection to a medical determination made by a treating physician concerning the employee’s medical condition, cause of the condition, or treatment for the condition. Other issues might be the existence, nature, duration, or extent of temporary or permanent disability caused by the employee’s medical condition or the employee’s medical eligibility for rehabilitation services.

Distance Marketing of Insurance Products

IRDAI has issued guidelines pertaining to ‘Distance Marketing of Insurance Products’ which says that distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through (i) voice mode, which includes telephone calling (ii) Short messaging service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH), (iv) Physical mode which includes direct postal mail and newspaper and magazine inserts, and (v) Solicitation through any means of communication other than in person. These guidelines cover distance marketing activities of insurers/brokers and corporate agents (with specific approval of insurers) at various stages including offer, negotiation as well as conclusion of sale. IRDAI guidelines include adherence to various aspects related to pre-recruitment training and passing of exam by the specified persons, selling insurance through tele-calling and maintenance of records as well as adherence to the provisions of Telecom IT Act, 2000, TRAI Act, 1997, The Telecom Unsolicited Commercial Communications (Amendment) Regulations, 2008, etc.

Distance sales

Sales that are not conducted face-to-face, such as sales through the post, over the Internet or telephone or by fax or digital television. FSA rules take account of the Distance Marketing Directive. The initial contact disclosure for telephone sales involves disclosing the name of the firm, and, if the contact is initiated by the firm, the purpose of the contact. The name of the person in contact with the customer must also be given and his link with the firm. See DISTANCE NON-INVESTMENT MEDIATION CONTRACT.