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Engaging in a conversation with Ashim Sanyal, the CEO of Consumer Voice, he sheds light on the significant uptake of millets by food and beverage producers in India. Sanyal underscores the need for a cautious approach, urging the preservation of the nutritional potency of coarse cereals. He emphasizes this imperative step to safeguard against the potential disruption of our diets by the surge of heavily processed millets.
Millets belong to the family of cereals, but because of their coarse texture, they were often seen as playing a second fiddle to their rich cousins, rice and wheat. Millets are more resilient to water scarcity and can thrive in semi-arid regions, making them a sustainable choice for Indian agriculture. Millets have been in vogue since the Indus Valley civilization. They find mention in the Yajurveda too. Economic benefits of millets are obvious — they are cheaper to grow and store. These hardy crops are drought-resistant and require very less water to grow. Some can grow on their own as weeds, even in rocky terrains. Rice, in comparison, guzzles water, while wheat too needs far more water than a millet crop. Millets also don’t require expensive fertilizers and pesticides.
To promote millets in restaurants and hotels, the Ministry of Tourism is taking several steps such as establishment of millet experience centres, creating awareness on health benefits about dishes made out of millets amongst Indian and International chefs, meetings with hotel associations and hotel chains. Ministry of Food Processing Industries (MoFPI) has implemented the Production Linked Incentive Scheme for Food Processing Industry for Millet-based products (PLISMBP) during 2022-23 to 2026-27 with an outlay of Rs. 800 crores.
Is nutrition content in millets in danger of being misused?
All good for this neglected produce in the Year of the Millet. However handing over a nutritious product basket ( Millets have many, many varieties ) to companies on a platter spells danger of misuse of the basic nutritional factors of millets as we have noticed classic dangerous transformation of such healthy diets into Ultra Processed Foods by brands killing all or most of the nutritional elements for enhanced taste, flavour, colour, shelf life and child attraction which will do away with the ultimate expected gains of this being a health master. That is why the most successful grains of our times are rice and wheat. They triumphed chiefly because their modern varieties are tasty; also, they can be consumed in polished, refined forms without the inconvenience of chewing on a class of indigestible carbohydrates known as fibre.
The world has always demonstrated that between taste and health, people will talk more about what is healthy and then eat what is tasty. This is bound to be exploited by the industry in case of millets too with added sugar, salt or saturated fats to suit consumers’ pallets adding to the already surging Non-Communicable Diseases. By converting them as Ultra Processed Foods, the danger levels of NCDs as unhealthy foods will mount on unsuspecting consumers that “they are having millets as healthy foods”. Millets will survive with the grand push, of course, but in a niche market as unhealthy Ultra Processed Foods.
Is the food industry adopting millets the right way?
Food and beverage producers in India are adopting millets in a big way. You can find millets in a range of products, from biscuits to beer. From packaged foods to breweries to restaurants, large companies are putting up ambitious plans to introduce millet-based packaged foods, beers and restaurant menus or boost their existing millet portfolios. Products include millet noodles, millet cookies, millet namkeen and millet pasta.
In fact, the glorification of millets as a healthy alternative to rice and wheat will inspire the broader market to corrupt these ancient grains. For instance, the readymade ragi, jowar, bajra dosa, paratha, dalia, khichdi, poha, upma or even atta, etc. of the future will be more rice and sugar than the millets itself in their Ultra Processed form. This is typically what is being done by brands now. Add a small percentage of healthy millet, load it with maida and sugar and name it superfood. Imagine a sugary juice or an aerated sugary drink with a miniscule morsel of millet will become a good food officially. Immediate examples which we will be savouring soon can be expected to be our daily bread or cornflakes or poha or pundhi or even cakes with a Front of Pack Label claims of Ragi or Jowar or Bajra Healthy – “Gluten free healthy super start of the day” claims with 5 or 6 gms by weight of the millet! After all, laboratories can produce anything to induce your taste buds.
Serve the world a health basket of millets!
Food processing companies have started incorporating millets into a wide range of products, from snacks and breakfast cereals to baked goods and ready-to-eat meals. Besides, the government has included millets in the Public Distribution System and the Mid-Day Meal Schemes in schools. No doubt our Prime Minister needs to be applauded for promoting sustainable diet and consumption globally. Besides his recognition of India’s capacity to serve the world with millet baskets will boost our exports and economy. However, we have to recognize that in this era of Non-Communicable Diseases, the corporate houses and brands have to be cautioned not to mislead the consumers with misleading claims / advertising of millet magic and make millets a truly healthy option.
(The writer is Chief Executive Officer (CEO), Consumer VOICE. Views expressed are personal)
Exploring the wide array of consumer choices reveals both positive and negative trends that significantly impact the market, the environment, and society. On the positive side, there is an encouraging shift towards informed consumerism, with individuals prioritizing transparency and ethical business practices. It is awesome to see this vibe extending to sustainability, with more consumers choosing eco-friendly products and pushing companies to be more responsible. Additionally, there is a commendable resurgence in support for local businesses, indicating that people are realizing the importance of helping their communities grow economically.
But, you know, it’s not all rainbows and sunshine. Challenges arise from impulsive buying and overconsumption, contributing to a throwaway culture. Fast fashion, single-use plastics, and excessive packaging reflect a trend that prioritizes instant gratification without thinking about the long-term impact on the planet and our society. Also, blind loyalty to brands can also be detrimental when it fosters allegiance without critical evaluation, potentially perpetuating unethical practices and maybe supporting some not-so-great products. Further, disregard for product lifecycle leads to improper disposal of items, and eventually becomes one of the causes of environmental degradation.
Finding a balance between satisfying your own desires and acting as a responsible steward of the planet and society is important. Making informed choices, ethical consumption, and a commitment to sustainability can collectively shape a consumer landscape that not only fulfils immediate needs but also helps in making the world a better, happier place.
As we take a moment to think about our consumer choices, especially with our 75th Republic Day celebration, it’s a great time to appreciate the values that make our nation so diverse and lively. The positive trends of informed consumerism, sustainability, and support for local businesses align with the principles of unity in diversity and responsible citizenship that our Republic stands for. By making choices that are ethical, good for the planet and embracing sustainability, we contribute not only to our individual well-being but also to the collective prosperity of our nation.
Let us remember that our choices are not just about what we buy – they are woven into the bigger picture of our society. As responsible consumers, let us uphold the ideals of justice, liberty, equality, and fraternity that form the cornerstone of our Republic. May our united actions reflect the values that make our nation resilient, inclusive, and forward-looking.
We extend heartfelt gratitude to our esteemed readers for their unwavering support. Your engagement, feedback, and ideas continue to play a pivotal role in our mission to deliver informative articles. We invite you to share your thoughts and suggestions at info@consumer-voice.org, as together, we foster a knowledgeable and empowered community.
Wishing you an enriching and enjoyable reading experience ahead!
Pallabi Boruah
Editor
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As the prevalence of diabetes continues to rise steadily in India, individuals grappling with this chronic condition encounter myriad challenges, particularly in obtaining comprehensive health insurance coverage. The constant management and specialized care required for diabetes underscore the necessity for individuals with this condition to secure adequate insurance coverage. This article provides an in-depth exploration of the insurance landscape for diabetics in India, delving into existing challenges, examining the current scenario, and proposing potential solutions to bridge the existing gaps.
Subas Tiwari
Understanding the Diabetes Epidemic in India
Diabetes has emerged as a significant public health concern in India, witnessing a concerning surge in cases over the past few decades. According to the International Diabetes Federation (IDF), India is home to over 77 million adults with diabetes, a number expected to escalate in the coming years. Given the economic and health implications of diabetes, there is a critical need for a comprehensive approach, including robust insurance coverage.
The Current State of Insurance Coverage for Diabetics
While health insurance is pivotal for managing healthcare costs in India, individuals with pre-existing conditions such as diabetes often encounter hurdles in obtaining comprehensive coverage. Diabetes is typically classified as a pre-existing condition by insurance companies, resulting in higher premiums and exclusion of certain benefits.
Challenges Faced by Diabetics in Obtaining Insurance:
Initiatives and Solutions
Recognizing the challenges faced by diabetics, both the government and private insurance providers are taking steps to enhance access to comprehensive coverage. Key initiatives and potential solutions include:
Despite existing challenges, there is a growing recognition of the need for comprehensive insurance coverage for individuals with diabetes in India. The collaborative efforts of both public and private stakeholders reflect a concerted attempt to bridge the gap and ensure diabetics have access to the financial protection they require. As India contends with the diabetes epidemic, addressing insurance challenges for individuals with the condition is crucial for building a healthier and more resilient society.
Best Health Insurance Plans for Diabetics in India
For diabetes-related treatments, individuals can opt for health insurance policies designed specifically for diabetes. Indian health insurers offer exclusive plans such as Star Health Diabetes Safe, ICICI Prudential Diabetes Care, and National Insurance Varishta Mediclaim, among others.
According to an IDF report, India is projected to witness a substantial increase in diabetes cases, with an estimated 93 million cases by 2030 and 125 million cases by 2045. Consequently, having health insurance for diabetes is crucial, providing tailored financial support for comprehensive coverage against complications or diseases related to this condition. Therefore, investing in such insurance is of utmost importance.
In India, diabetes insurance typically covers regular hospitalization expenses for both diabetic and non-diabetic complications. Regular health insurance plans often exclude coverage for pre-existing conditions and may impose waiting periods before providing coverage. However, specialized diabetes insurance plans are specifically designed to address high blood sugar levels and related illnesses.
These custom-tailored plans typically offer coverage for both Type 1 and Type 2 diabetes, with options for Individual or Family Floater plans based on individual needs. In addition to hospitalization coverage, health insurance for diabetes may extend to outpatient expenses, such as medical consultations and diagnostic tests. Some plans also include a Personal Accident cover, providing payment in the event of accidental death of the insured individual.
This Insurance Companies are offering Diabetes Health Insurance Plans
Diabetes health insurance is specialized medical coverage designed to address expenses related to diabetes treatment and hospitalization. This type of insurance plan caters to high blood sugar levels resulting from inadequate insulin secretion in the body, leading to severe complications like renal failure, vision loss, and heart stroke.
What is covered?
Diabetes health insurance plans typically provide coverage for various aspects, including:
What is not covered?
Exclusions typically found in diabetes insurance plans include:
How to Buy Diabetes Health Insurance Policy?
To purchase diabetes health insurance, follow these steps:
Benefits of Diabetes Health Insurance
Advantages of health insurance for individuals with diabetes in India include coverage for:
Navigating the complex landscape of health insurance for diabetes in India requires careful consideration and informed decision-making. To assist individuals in this process, here are 20 essential tips for buying a Diabetes Health Insurance Plan:
Remember, investing time and effort into understanding and choosing the right Diabetes Health Insurance Plan is crucial for long-term financial security and effective diabetes management. Always read the policy documents carefully, and don’t hesitate to ask questions to clarify any doubts before making a decision.
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Consumers are finding themselves in a wide online landscape in an era of digital convenience. Although there are many advantages of the internet, it is important to stay vigilant against such practices commonly referred to as dark patterns. These subtle design choices alter consumer behaviour, often leading to unintended effects.
Rinki Sharma
The Ministry of Consumer Affairs, Food and Public Distribution has released directives addressing the prevention and oversight of dark patterns. These guidelines target deceptive design practices that manipulate users, compromising their autonomy and decision-making. Applicable to all platforms offering goods or services in India, along with advertisers and sellers, the regulations fall under the jurisdiction of the Central Consumer Protection Authority (CCPA), established by the Consumer Protection Act, 2019.
The guidelines explicitly forbid any individual or platform from employing dark patterns. They enumerate prohibited practices, such as false urgency, basket sneaking, and forced actions. Non-compliance with these guidelines may result in penalties. These measures are designed to safeguard consumer rights and ensure fair and transparent interactions in the marketplace.
Understanding Dark Patterns: These are user interface design tricks that can be used to direct users in taking actions that they possibly would not have taken willingly.
Do’s:
Don’ts:
By staying informed and making wise choices, individuals can empower themselves against online manipulation. Practicing caution and following best practices can equip consumers with the confidence and security needed to navigate the digital landscape. Your Online Safety Matters!
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Answer: Yes Can file complaint together by number of consumers as ‘class action’ or ‘joint complaint’
Sec 2(v) ‘complainant’ one or more consumers, where there are numerous consumers having the same interest
(c) one or more consumers, where there are numerous consumers having the same interest, with the permission of the District Commission, on behalf of, or for the benefit of, all consumers so interested;
Sec 18 (1) (a)
Central Consumer Protection Authority (“Central Authority“) under Section 18 (1) (a) to “protect, promote and enforce the rights of consumers as a class”
Facts. Noting by court on 26.12.2023 as hereunder:
(बिहार पटना)
उभय पक्ष उपस्थित .अभिलेख के आकलन से ज्ञात होता है की विपक्षी द्वारा हर बार समय मांग किया जा रहा है जबकि वादी प्रत्येक तिथि पैर उपस्थित रहते है और उनके द्वारा लिखित बेहेस भी दाखिल किया जा चूका है.ऐसी स्थिति में विपक्षी जब तक ६००/-रूपया कास्ट की राशी जमा नहीं करत तब तक उसकी बहस स्वीकार नहीं की जाएगी अगली तिथि 2.2.2024
नोटिंग 2.2.2024
अगली तिथि 13.5.2024.
Answer:
Write to Ministry of consumer affairs Govt of India, State Consumer commission and Nation consumer commission with the notings made for adjournments
Court should have heard complainant’s arguments proceeding OP ex party and reserve the order, cost could be added with the order.
Answer: There is no provision of second appeal under the Act
Section 21(b) in the Consumer Protection Act, 1986
(b) to call for the records and pass appropriate orders in any consumer dispute which is pending before or has been decided by any State Commission where it appears to the National Commission that such State Commission has exercised a jurisdiction not vested in it by law, or has failed to exercise a jurisdiction so vested, or has acted in the exercise of its jurisdiction illegally or with material irregularity.
It is pertinent to mention that the same provision exists now in the new Act Consumer protection act 2019 too
58 (1) (b) in Consumer Protection Act 2019
“To call for the records and pass appropriate orders in any consumer dispute which is pending before or has been decided by any State Commission where it appears to the National Commission that such State Commission has exercised a jurisdiction not vested in it by law, or has failed to exercise a jurisdiction so vested, or has acted in the exercise of its jurisdiction illegally or with material irregularity”.
Case Law: Sunil Kumar Maity V/s State Bank of India and Anr. .civil appeal 432 of 2022 decided on 21th Jan 2022
“It is needless to say that the revisional jurisdiction of the National Commission under Section 21(b) of the said Act is extremely limited. It should be exercised only in case as contemplated within the parameters specified in the said provision, namely when it appears to the National Commission that the State Commission had exercised a jurisdiction not vested in it by law, or had failed to exercise jurisdiction so vested, or had acted in the exercise of its jurisdiction illegally or with material irregularity.’
Answer: When the entire building, including the unsold 35 flats, is transferred to the society, these unsold flats now belong to the society as the owner. While the builder may not retain ownership of these flats, it’s plausible that adjustments in accounts have been made, considering the construction and unsold flat costs.
Under these circumstances, occupants are not obligated to pay monthly maintenance charges for the unsold flats. The expenses for common areas, electricity, plumbing, and other communal services are to be covered from the collective funds belonging to the society.
Answer: The complainant has the authority to designate someone to appear on their behalf. Failure of the complainant to appear may lead to the dismissal of the complaint by default.
Answer:
Two issues involved –a) Notice not served.
Answer: If there is no existing order against the manufacturer, the recourse under the product liability clause, specifically Section 85 and 86, allows you to pursue action against the dealer exclusively.
Answer: The property is no longer legally yours as it has been declared government land. You have the option to file a case in a civil court, treating it as a recovery suit, seeking a refund of your money along with compensation for unfair dealing. Alternatively, you can file a complaint before the consumer court or RERA, citing unfair trade practices, and seek a refund along with compensation.
Answer: NCLT is not an appellate court for consumer matters. Therefore, filing an appeal there may not be effective. However, if the case is dismissed due to the opposing party being declared insolvent, you can then act as a financial creditor and submit a claim before NCLT seeking a refund or any other resolution as per the decisions made by NLCT.
Answer: Submit a complaint to the consumer commission and request an interim order for possession at the initially agreed cost until a decision is reached on the merits of the case. File a claim for compensation for the delay in court. Challenge the issue of increased costs by emphasizing that the delay was caused by the builder, and the homebuyer had initially agreed to the cost set during the three-year construction period.
Answer: You can lodge a complaint with the consumer commission, and depending on the merits of the case, you have various options such as repair, replacement, refund, etc.
Answer:
Answer: Submit an application to the electricity department requesting a meter inspection and be prepared to pay a fee for this service. If the meter is discovered to be fast or defective, the billing will be adjusted based on the previous billing pattern, calculating the average over the last six months.
Answer: A replacement is not warranted unless it is declared irreparable or found to have a manufacturing defect. In such instances, one may consider approaching the consumer court, seek an expert opinion, and pursue a decision based on the merits of the case.