Section 2 in The Insurance Regulatory And Development Authority (Obligations Of Insurers To Rural Or Social Sectors) Regulations, 2002
2. Definitions .-In these regulations, unless the context otherwise requires,-
(a)"Act" means the Insurance Act, 1938 (4 of 1938);(b)"Authority" means the Insurance Regulatory and Development Authority established under the provisions of section 3 of the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999);(c)"rural sector" shall mean any place as per the latest census which meets the following criteria:-(i)a population of less than five thousand;(ii)a density of population of less than four hundred per square kilometer; and(iii)more than twenty-five per cent. of the male working population is engaged in agricultural pursuits.Explanation .-The categories of workers falling under agricultural pursuits are as under:(i)Cultivators;(ii)Agricultural labourers;(iii)Workers in livestock, forestry, fishing, hunting and plantations, orchards and allied activities;(d)"social sector" includes unorganized sector, informal sector, economically vulnerable or backward classes and other categories of persons, both in rural and urban areas;(e)"unorganized sector" includes self-employed workers such as agricultural labourers, bidi workers, brick kiln workers, carpenters, cobblers, construction workers, fishermen, hamals, handicraft artisans, handloom and khadi workers, lady tailors, leather and tannery workers, papad makers, powerloom workers, physically handicapped self-employed persons, primary milk producers, rickshaw pullers, safai karmacharis, salt growers, seri culture workers, sugarcane cutters, tendu leaf collectors, toddy tappers, vegetable vendors, washerwomen, working women in hills, or such other categories of persons;(f)"economically vulnerable or backward classes" means persons who live below the poverty line;(g)"other categories of persons" includes persons with disability as defined in the Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation) Act, 1995 (1 of 1996) and who may not be gainfully employed; and also includes guardians who need insurance to protect spastic persons or persons with disability;(h)"informal sector" includes small scale, self-employed workers typically at a low level of organization and technology, with the primary objective of generating employment and income, with heterogeneous activities like retail trade, transport, repair and maintenance, construction, personal and domestic services and manufacturing, with the work mostly labour intensive, having often unwritten and informal employer-employee relationship;(i)all words and expressions used herein and not defined herein but defined in the Insurance Act, 1938 (4 of 1938), or in the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999), shall have the meanings respectively assigned to them in those Acts.
