Version-II

CSC- RAP Insurance Licensing

VLE Handbook

Handbook for VLEs on RAP / Insurance

Table of Contents
I.

INTRODUCTION & STEPS TO BECOME A LICENCED RAP ................................................................................. 3

1.

License to CSC SPV ............................................................................................................................................3

2.

Steps for VLE to become a licensed RAP ...........................................................................................................5

II.

REGISTRATION & PRE- LICENSING EDUCATION ............................................................................................. 6

1.

RAP Registration ..............................................................................................................................................6

2.

Eaxamination Fees:...........................................................................................................................................6

3.

RAP Training / Education: .................................................................................................................................8

III.

INSURANCE EXAMINATION OF THE VLE ...................................................................................................... 11

1.

Examination Process .......................................................................................................................................11

2.

Procedure to follow for Examination ..............................................................................................................12

3.

Score Reporting process .................................................................................................................................12

4.

Examination centre policies ............................................................................................................................13

5.

Examination Security ......................................................................................................................................13

6.

Results of the Examination .............................................................................................................................14

IV.

LICENSING OF VLE ....................................................................................................................................... 14

1.

Licensing Procedure ........................................................................................................................................14

2.

Suspension / Termination / Replacement of VLEs at CSC ..............................................................................15

V.

RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE ............................................................................. 16

3.

How to login on APNA CSC..............................................................................................................................16

4.

Wallet Creation Process .................................................................................................................................18

5.

Wallet TOP UP Process .................................................................................................................................19

6.

Process to do Insurance Transaction .............................................................................................................19

VI.

REMUNERATION ......................................................................................................................................... 21

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Handbook for VLEs on RAP / Insurance

I.

INTRODUCTION & STEPS TO BECOME A LICENCED RAP

1. License to CSC SPV

The License to CSC e-Governance Services India Limited has been granted on 12 th Sept
2013 by Insurance Regulatory and Development Authority (IRDA) to work as an
Authorized Intermediary to market specifically approved insurance products through the
Rural Authorised Persons (Village Level Entrepreneurs) under the CSC Scheme of
National e-Governance Plan under the IRDA Guidelines on Common Service Centres,
2013.
The License permits both Life and Non Life Insurers in India to Market Retail Insurance
Policies and Services through Common Service Centers Network. VLEs in order to solicit
insurance sales and service as Rural Authorised person (RAP) of Insurance will have to
comply with all the applicable provisions of the Insurance Act , 1938,the IRDA Act,1999,
and the rules, regulations, circulars or guidelines, as applicable, issued from time to
time.
A VLE is licensed to solicit or negotiate an Insurance policy of ALL THE INSURANCE
COMPANIES with which CSC SPV has an agreement.
This facility to market insurance products and offer services near to homes would
significantly expand insurance penetration in rural areas. Insurance penetration in India
was just 3.96 per cent in 2012.

LICENSING
Licensure is the process by which an Authorized Body grants permission to individuals to engage in the
practice of a particular profession, vocation, or occupation, and prohibits all others from illegally
practicing that profession.
By ensuring a minimum level of competence, the licensure process protects the general public.
The Regulatory Authority establishes the acceptable level of Education and determines whether an
individual meets that standard by conduct of an Exam.
On the Regulatory Authority satisfying itself that the candidate posses the required standards, a license
is granted to the candidate for carrying out Insurance Business.

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The Common Services

Center Scheme (CSC)
The Common Services
Center Scheme is a part of
the National e-Governance
Plan (NeGP).
The Scheme envisages the
setting up of 100,000 + ITenabled access points to be
implemented in a PublicPrivate Partnership (PPP).
The
Common
Service
Centers (CSCs) have been
positioned as front end
delivery outlets for delivery
of Government as well as
Private Sector services.
The CSC SPV (Special
Purpose Vehicle)
Under the CSC Scheme, a
Special Purpose Vehicle
(SPV) has been formed, so
that the Government can
progressively migrate to an
e-Governance platform and
enable services through the
CSC network.

National Institute of Electronics & Information

Technology (NIELIT), (erstwhile DOEACC Society), an
Autonomous Scientific Society under the administrative
control of Department of Electronics & Information
Technology (DeitY), Ministry of Communications and
Information Technology, Government of India, was set
up to carry out Human Resource Development and
related activities in the area of Information, Electronics
& Communications Technology (IECT).
NIELIT is engaged both in Formal &Non-Formal
Education in the area of IECT besides development of
industry oriented quality education and training
programs in the state-of-the-art areas.
NIELIT has endeavored to establish standards in the
country's premier institution for Examination and
Certification in the field of IECT.
It is also one of the National Examination Body, which
accredits institutes/organizations for conducting courses
in IT in the non-formal sector.

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2. Steps for VLE to become a licensed RAP

1.

Enroll for the Insurance RAP Training as a student on http://164.100.40.23/rap/Home.aspx

2. Pay a fees of Rs 350/- towards Examination & Licencing

3. VLE gets Login ID & password for RAP training from Team Insurance, CSC SPV
4. VLE to Complete Pre-licensing Education on http://164.100.40.23/rap/Home.aspx ,
completion of form will also ensure that the right examination is offered to the
candidate for the RAP examination.
5. VLE gets intimation for the date of RAP examination from Team Insurance
6. Appear for the Exam on the Scheduled date / Time / Venue
7. VLE to pass the examination.
8. LICENSE by IRDA
9. CSC SPV Signs agreement with VLE for insurance sales
10. Product training by Insurance Companies
11. CSC SPV activates the Insurance services on the service screen on the
www.apna.csc.gov.in of Licenced VLE
12. VLE starts selling following insurance
a. Life Insurance
b. Motor Insurance
c. Crop Insurance
d. Health Insurance
e. Cattle Insurance
f. Personal Accident Insurance etc
To know more about insurance through CSC SPV you can e-Mail on insurance@csc.gov.in or call
at 011-32316992.

Who is an RAP?
A Rural Authorised Person (RAP) is an individual who has a license to solicit or
negotiate an Insurance Policy with a client on behalf of the insurance companies.
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II.

REGISTRATION & PRE- LICENSING EDUCATION

1. RAP Registration
VLE needs to go to http://164.100.40.23/rap/Home.aspx and click on Student (RAP)
Registration

The VLE shall fill their details in the online RAP Student Registration form and submit. Once
the VLE submits the form he will be re-directed to Payment Page where the VLE can make the
payment of Rs 350/- towards Examination & Licensing.
2. Eaxamination Fees:
The bifurcation of Rs.350 fees is Rs. 250/- (Towards Examination) + Rs. 100/- (Towards Licensing
fees) is paid by the VLE. The Fee needs to be paid using your e-wallet with the
http://www.apna.csc.gov.in/

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On successful registration and payment, a Registration Number will be issued to the VLE which
may be used by the VLE for updating the details in the Registration form (if required) and for
making payment if not already made at the time of submission of the Registration form.

To update the information / document(s) in the RAP registration form, VLE must Login by
entering the Registration Number, E-Mail ID & Mobile Number.

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3. RAP Training / Education:

Once the VLE has successfully completed the Registration and paid the Fees of Rs 350/-, he will
be approved as student for Insurance RAP Training and will be sent a Username and password to
start the training.

As a Insurance student, VLE need to click on Student Login for

RAP training to access the Training content available related
to RAP.
Once a VLE clicks on above option, he will be redirected to
http://www.cscacademy.org/student
Here the VLE needs to click on Individual Login, choose the
Course Insurance RAP Training, put his username and
password and click on Login.

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Under My Courses tab click on View Modules

By clicking on View modules option, you would be able to see all the 20 modules covered under
the Insurance RAP Training

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You have to start learning from Module 1 up to 20. Select and study the modules in serial order.
You can download only two modules per day. The study material will be opened in PDF.

Download the Insurance Pre-Licensing Education Material Every VLE needs to download and
read the 20 Modules available on http://www.cscacademy.org/student using the Login ID and
password given by Team Insurance to you.
a. There are 20 chapters in the Insurance Education Course
b. Download of chapters is FREE.
c. You can download a maximum of two chapters per day.
d. All modules have Self Assesment Test at the end of each module
Practice the self Assesment Test and & Prepare for the Exam.
After completing each module, you must appear for the self assessment by clicking on the
assessment option under My Courses tab that will open the My Assessment window where
you need to click on the Launch Assessment and attempt the questions.

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In each assessment the candidate need to score minimum of 35% to obtain the Training
Completion Certificate from CSC SPV (Certificate of Completion will be provided to the
successful candidates from CSC SPV on their respective E-mail Ids) and the candidate will now
be eligible to appear for RAP examination.
III.

INSURANCE EXAMINATION OF THE VLE

1. Examination Process
1. The online examination for RAP will be conducted by NIELIT at their centers spread
across India, one day every month
2. NIELIT will announce the scheduled dates for examination in advance on
www.nielit.gov.in for the information of the applicant VLE. The exams will be conducted
on Saturdays.
3. VLE who has a valid Training completion certificate (issued by CSC SPV after completion
of the training course) will only be allowed to appear for the Exam.
4. A HALL TICKET will be issued to the eligible VLEs with following details:
a. VLE Name
b. Roll Number .
c. Date and Time of the Exam.
d. Venue of the Exam
e. Detials of the Examination Center
The hall ticket with the above details will be issued to the VLEs who have successfully
completed the ONLINE Training.
5. The VLE shall appear for the online examination at the designated NIELIT Centre as per
the time slot booked and conveyed by NIELIT / CSC SPV to the candidate on the admit
card. The admit card can be downloaded by the VLE from www.nielit.gov.in
6. NIELIT shall inform the candidates about the results of the Exam electronically on the
terminals of RAP/ or by mailing the result card / and also make provision for the
candidate to download / print the result card for his records from (URL of NIELIT).
7. In case the candidate fails in the examination he / she can reappear for the examination
by repaying the examination fee.
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8. NIELIT shall transfer the data of the Qualified Candidates in the examination to IRDA &
CSC SPV electronically after the completion of the exam.
9. The License fee along with the Candidates information will be transferred by CSC SPV to
IRDA after the candidates passes the exam.
2. Procedure to follow for Examination
1. Candidates should report to the test center thirty (30) minutes before the examination
and report to the Exam superintendent.
2. The candidate shall submit the following documents to the Exam superintendent
i. Examination Form
ii. Copy of Identity Card / Aadhar card
iii. Copy of PAN CARD,
iv. Copy of Age Certificate,
v. Copy of Educational Qualification proof (Minimum 10th Pass),
vi. Copy of Residential proof, & Original Photograph pasted on the
application form.
3. The Exam superintendent of NIELIT shall Authorize the VLE to sit for the Exam.
4. Candidates are required to sign a Candidate Rules Agreement form.
5. If the Candidate Rules Agreement is not followed and/or cheating or tampering with
the examination is suspected, the incident will be reported as such to the Appropriate
Authority for action. The examination fee will not be refunded, the exam may be
determined invalid, and may take further action such as prohibiting candidates from
retaking the examination and/or denying a license.
6. The time allotted for each examination will be ONE Hour. After the examination time
has expired, the examination module will automatically turn off.
7. Candidates will leave the Exam center knowing their status of the result.
3. Score Reporting process
1. The exam will have 100 Questions
2. All questions will be Objective Type Questions.

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3. The passing score for each examination is 35 marks.
4. Candidates who pass the examination will receive a score report that reads pass and
no numeric score will be reported.
5. Candidates who fail the examination will receive a score report that reads fail and no
numeric score will be reported.
6. Examination results are confidential and are released only to the candidate and to the
CSC-SPV and IRDA. To ensure confidentiality, NIELIT will not provide score information
to any other entity either by letter / email or telephone.
4. Examination centre policies

The following policies are observed at each EXAM CENTER

1. No personal items are allowed in the testing room. Personal items include but are not
limited to cellular phones, hand-held computers/ personal digital assistants (PDAs) or
other electronic devices, pagers, bags, coats, books, and/or notes.
2. Calculators are not permitted nor are they necessary for the exam.
3. Candidates must store all personal items in a secure area as indicated by the
administrator or return items to their vehicle. The test center is not responsible for lost,
stolen, or misplaced personal items.
4. Studying is not allowed in the test center. Visitors, children, family, and/or friends are
not allowed in the test center.
5. Dictionaries, books, papers (including scratch paper), and/or reference materials are not
permitted in the examination room, and candidates are strongly advised not to bring
such materials to the test center.
Candidates who violate any of these policies will not be permitted to finish the
examination and will be dismissed from the test center; the examination fee shall be
forfeited.

5. Examination Security
1. Candidates must NOT leave the testing room for breaks. If a candidate is found to have
left the examination center, he/she will not be permitted to proceed with the
examination and exam fees may be forfeited.
2. Any candidate found causing a disturbance of any kind, or engaging in any kind of
misconductgiving or receiving help; using notes, books, or other aids; taking part in an
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act of impersonation;will be summarily dismissed from the examination and will be
reported to the Appropriate Authority. Decisions regarding disciplinary measures will be
as decided by the Appropriate Authority.
3. NIELIT examination administration and examination security standards are designed to
ensure that all candidates are given the same opportunity to demonstrate their abilities
and to prevent some candidates from gaining an unfair advantage over others because
of testing irregularities or misconduct.
4. NIELIT maintains the right to question any examination score whose validity is in doubt
because the score may have been obtained unfairly.
NIELIT first undertakes a confidential review of the circumstances contributing to the questions
about score validity. If there is sufficient cause to question the score, NIELIT will refer the
matter to the state authority, which will make the final decision on whether or not to cancel the
score.
6. Results of the Examination
1. Appear for exam
2. Results will be published on www.nielit.gov.in and also on the CSC Portals.

IV.

LICENSING OF VLE

1. Licensing Procedure
1. NIELIT shall transfer the data of the VLEs who have successfully cleared the
examination, in digital format agreed, to IRDA & CSC SPV electronically after the
completion of the exam.
2. CSC SPV shall transfer the data, application forms and enclosures of the VLEs who
have successfully passed the examination, in digital format agreed, to IRDA
electronically after the completion of the exam.
3. IRDA shall issue the License online in PDF format to RAP and transfer the data of the
licenses issued, to CSC SPV and NIELIT for records.
4. Every VLE shall sign agreement with CSC SPV to solicit Insurance
On receipt of the License / data from IRDA, CSC SPV shall enable the RAPs/ VLE OMT ID for
soliciting the approved insurance products.

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2. Suspension / Termination / Replacement of VLEs at CSC

1. The license of a RAP may be cancelled or suspended without notice, if it is found

guilty of fraud, or is convicted of a criminal offence; or commits such defaults which
require immediate action in the opinion of the Authority.
2. CSC-SPV shall disable the terminal of the VLE immediately once the VLE (RAP) is
terminated or suspended by SCA / CSC SPV and shall not allow him to solicit the
approved insurance products or carryout the functions permitted under the
Guidelines on Common Service Centers - 2013.
3. Whenever the RAP of the CSC is replaced due to suspension or termination or any
other reason, the new VLE inducted by CSC SPV shall undergo the training,
examination and licensing process to become a RAP under the guidelines.
RAP is barred from soliciting insurance and offering any other insurance business related
services in their individual capacity, in any mode, on behalf of any individual, organization, or
insurance company, other than the CSC scheme model.

For any other clarity about Insurance through CSC SPV you can e-Mail us on
insurance@csc.gov.in or call at 011-32316992

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V.

RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE

3. How to login on APNA CSC

Step 1: Log on at http://apna.csc.gov.in

Step 2: Click on the CSC-Connect Tab

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Step 3: Enter CSC ID and Password, click on Authenticate
Step 4: Enter required data and click on Next page

Step 5: Enter required details and click on Submit Details

Step 6: VLE will receive an Email and SMS to verify the Email ID & Mobile number.

Step 7: Click on the link given in the Email and Enter the CSC ID and Activation password,
received on SMS.

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4. Wallet Creation Process

Step 1: Click on the link click here to create wallet

Step 2: Click on Wallet Management and enter bank details.

Step 3: Click on Create wallet now
Step 4: Confirmation message appears for successful wallet creation
Step 5: CSC will also receive wallet password on his Mobile No.

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5. Wallet TOP UP Process

Step 1: Click on Top-up to Top up wallet
Step 2: Select payment Mode
Step 3: Enter CSC ID and Amount and click on Recharge Wallet
Step 4: Click on Make Payment to confirm
Step 5: Select Payment option and Card Type
Step 6: Fill Bank Details and make payment for wallet top up
6. Process to do Insurance Transaction
Step 1: Click on VLE Service Page to view all available services

Step 2: Select the service for example: Click on Life Insurance

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Step 3: Select Insurance Co as LIC and click on Premium payment, Enter Customer details,
and pay Amount

Step 4: The VLE would be shown a screen with all the policy details with the amount the
customer needs to pay.

Step 5: VLE to Enter the Wallet Password and click on submit transaction
Step 6: Print Transaction Receipt and hand it over to customer

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VI.

REMUNERATION

The remuneration payable by the Insurer, for the solicitation of policies by the
Authorised RAPs shall not exceed the remuneration as specified by the Authority from
time to time under Sec. 42-E of the Act.
CSC SPV, on receipt of remuneration related to sales / service of Insurance from the
insurer, shall distribute
o not less than 80% of the same to the respective RAPs
o The remuneration to entities such as SCAs shall be up to 12 % of the same
The commission of VLEs will be paid on a monthly basis by recharging e-wallet of the
VLEs.

Note:
For any further assistance kindly contact CSC Help desk
E-Mail:

helpdesk@csc.live.in

Contact No Technical: 011-32316989

Services: 011-32315641

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