Discussion Paper
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List of Questions
Q1. Are there any reserve scheme functions that should be added, deleted or amended? If yes, please comment.
Q2. Do you agree with the reserve scheme's definition of "complaint"? If no, please give reasons and suggest alternatives.
Q3. Do you agree with the rule for when a complaint may be taken to the reserve scheme? If no, please give reasons and suggest alternatives.
Q4. Do you agree with time limit of two years for taking complaints to the reserve scheme from the time the complaint was first lodged with the member? If no, please give reasons and suggest alternatives.
Q5. Do you agree with the proposal to allow members to refer complaints to the reserve scheme? If no, please give reasons.
Q6. Do you agree with having a compensation cap rather than a claim limit? If no, please give reasons and suggest alternatives.
Q7. Do you agree with the caps of $100,000 or $1,000 per week in the case of disability insurance that provides for regular payments to the insured? If no, please give reasons and suggest alternatives.
Q8. Are the requirements for applying to join the reserve scheme too difficult to meet, inadequate or about right? Please give reasons.
Q9. Is the requirement for all members to have some internal complaints resolution procedure too difficult to meet? If yes, please give reasons.
Q10. Are the terms for having membership terminated reasonable? If no, please give reasons.
Q11. Are the time limits relating to advising receipt and acceptance of complaint and dispute resolution reasonable? If no, please give reasons and suggest alternatives.
Q12. Do you agree with this approach to dispute resolution? If no, please give reasons and suggest alternatives.
Q13. Are there any issues associated with the reserve scheme being a contracted dispute resolution service? Please explain.
Q14. Are there any functions of the advisory body that should be added, deleted or amended? If yes, please comment.
Q15. Do you agree with the composition of the advisory body? If no, please give reasons and suggest alternatives.
Q16. Do you agree that the reserve scheme should commence with a foundation advisory body? If no, please give reasons and suggest alternatives.
Q17. Are there any Ministry of Consumer Affairs functions relating to reserve scheme governance that should be added, deleted or amended? If yes, please comment.
Q18. Are there any issues in having the secretariat and contract manager/liaison person being housed and managed by the Ministry of Consumer Affairs? Please explain.
Q19. Do you agree with the overall governance arrangements for the reserve scheme? If no, please give reasons and suggest alternatives.
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