{"id":2992,"date":"2021-03-05T05:47:37","date_gmt":"2021-03-05T05:47:37","guid":{"rendered":"https:\/\/swaritadvisors.com\/blog\/?p=2992"},"modified":"2021-03-05T09:56:52","modified_gmt":"2021-03-05T09:56:52","slug":"irdai-notifies-the-insurance-ombudsman-amendment-rules-2021","status":"publish","type":"post","link":"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/","title":{"rendered":"IRDAI Notifies the Insurance Ombudsman (Amendment) Rules 2021"},"content":{"rendered":"\n<p class=\"has-drop-cap\">The Central Government on\n02.03.2021 has notified comprehensive amendments to the existing Insurance\nOmbudsman Rules 2017. The reason behind the amendment was to improve the\nworking and operations of the Insurance Ombudsman mechanism and to facilitate\ntimely, cost effective and impartial resolution of grievance complaints\nconcerning deficiencies in the insurance services. Also, the amended rules will\nbe termed as the Insurance Ombudsman (Amendment) Rules 2021 and will come into\nforce from the date of publication.<\/p>\n\n\n\n<p>Also, it shall be noted that the\nCentral Government had made such amendments under the ambit of the powers\nconferred by section 24 of the Insurance Regulatory and Development Authority\nAct 1999.<\/p>\n\n\n\n<p>In this learning blog, we will\ncover the concept of the Insurance Ombudsman, together with the benefits and\nkey provisions of the Insurance Ombudsman (Amendment) Rules 2021.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2ba7a939a0c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2ba7a939a0c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Concept_of_Insurance_Ombudsman_Scheme\" title=\"Concept of Insurance Ombudsman Scheme\">Concept of Insurance Ombudsman Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Benefits_of_Insurance_Ombudsman_Amendment_Rules_2021\" title=\"Benefits of Insurance Ombudsman (Amendment) Rules 2021\">Benefits of Insurance Ombudsman (Amendment) Rules 2021<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Increased_the_Ambit_of_Authorities\" title=\"Increased the Ambit of Authorities\">Increased the Ambit of Authorities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Inclusion_of_Insurance_Brokers\" title=\"Inclusion of Insurance Brokers\">Inclusion of Insurance Brokers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Strengthened_the_Ombudsman_Mechanism\" title=\"Strengthened the Ombudsman Mechanism\">Strengthened the Ombudsman Mechanism<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Online_Filing_and_Tracking_Mechanism\" title=\"Online Filing and Tracking Mechanism\">Online Filing and Tracking Mechanism<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Facility_of_Video_Conferencing_for_Hearings\" title=\"Facility of Video Conferencing for Hearings\">Facility of Video Conferencing for Hearings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Relief_in_case_of_Vacancy\" title=\"Relief in case of Vacancy\">Relief in case of Vacancy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Reasons_for_Amending_Insurance_Ombudsman_Rules_2017\" title=\"Reasons for Amending Insurance Ombudsman Rules 2017\">Reasons for Amending Insurance Ombudsman Rules 2017<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Secure_Integrity_and_Independence\" title=\"To Secure Integrity and Independence \">To Secure Integrity and Independence <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Build_in_Safeguards_for_Protection\" title=\"To Build in Safeguards for Protection\">To Build in Safeguards for Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Include_Individual_with_Track_Record\" title=\"To Include Individual with Track Record\">To Include Individual with Track Record<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Rename_Executive_Council_of_Insurers\" title=\"To Rename Executive Council of Insurers\">To Rename Executive Council of Insurers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Substitute_the_word_IRDAI\" title=\"To Substitute the word IRDAI \">To Substitute the word IRDAI <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Insert_the_Definition_of_Insurance_Broker\" title=\"To Insert the Definition of Insurance Broker\">To Insert the Definition of Insurance Broker<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#To_Substitute_the_provisions_of_the_Selection_Committee\" title=\"To Substitute the provisions of the Selection Committee \">To Substitute the provisions of the Selection Committee <\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/swaritadvisors.com\/blog\/irdai-notifies-the-insurance-ombudsman-amendment-rules-2021\/#Official_Copy_of_the_Insurance_Ombudsman_Amendment_Rules_2021\" title=\"Official Copy of the Insurance Ombudsman (Amendment) Rules 2021\">Official Copy of the Insurance Ombudsman (Amendment) Rules 2021<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concept_of_Insurance_Ombudsman_Scheme\"><\/span>Concept of Insurance Ombudsman Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In India, the\nscheme of Insurance Ombudsman was formed by the Central Government to benefit\nthe individual policyholders by getting their filed complaints settled out of\nthe courts, that, too, in an efficient, cost effective, and impartial manner. <\/p>\n\n\n\n<p>At present,\nthere are 17 insurance ombudsmen located in different locations in India. That\nmeans any person having a grievance against the insurance company can file\neither himself\/ herself or through his\/ her legal heirs\/ nominee\/ assignee a\nwritten complaint to the Insurance Ombudsman, within whose territorial\njurisdiction the registered office or branch of the insured is located or\nwithin whose jurisdiction the complainant is residing.<\/p>\n\n\n\n<p>Also, it shall\nbe noted that the situations under which an application to Insurance Ombudsman\nis filed are as follows:<\/p>\n\n\n\n<ul><li>If the insurance company has rejected the complaint filed;<\/li><li>If the issue raised is not resolved properly by the company;<\/li><li>If the company has not responded to the complaint raised;<\/li><li>If the value of the claim (inclusive of expenses) is not above 30 lakhs and the complainant has taken the said policy in an individual capacity;<\/li><\/ul>\n\n\n\n<p><strong>Also, Read:<\/strong> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/learning\/what-role-does-irda-play-in-the-development-of-insurance-sector\/\">What Role Does IRDA Play in the Development of Insurance Sector?<\/a><\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_Insurance_Ombudsman_Amendment_Rules_2021\"><\/span>Benefits of Insurance Ombudsman (Amendment) Rules 2021<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key benefits of the Insurance Ombudsman (Amendment) Rules 2021 are as follows:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Increased-the-Ambit-of-Authorities-1024x310.png\" alt=\"Benefits of Insurance Ombudsman (Amendment) Rules 2021\" class=\"wp-image-3021\" width=\"728\" height=\"220\" srcset=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Increased-the-Ambit-of-Authorities-1024x310.png 1024w, https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Increased-the-Ambit-of-Authorities-300x91.png 300w, https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Increased-the-Ambit-of-Authorities-768x232.png 768w, https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Increased-the-Ambit-of-Authorities.png 1451w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Increased_the_Ambit_of_Authorities\"><\/span>Increased the Ambit of Authorities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The amended rules have widened the\nambit of complaints filed to the Ombudsmen. That means earlier, it can deal\nonly with disputes, but now it has the authority to deal with deficiencies in\nservice on the part of insurers, insurance brokers, agents, and other\nintermediaries. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Inclusion_of_Insurance_Brokers\"><\/span>Inclusion of Insurance Brokers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Also, it shall be noted that insurance\nbrokers have been brought within the scope of the Ombudsman mechanism. The same\nwill empower the Ombudsmen to pass awards and orders against insurance brokers\nas well.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Strengthened_the_Ombudsman_Mechanism\"><\/span>Strengthened the Ombudsman Mechanism<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The provisions of the amended rules\nhave substantially strengthened the timeliness and cost-effectiveness of the\nmechanism.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Online_Filing_and_Tracking_Mechanism\"><\/span>Online Filing and Tracking Mechanism<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It shall be noted that the policyholders\ncan now file their complaints electronically to the Ombudsman. Also, a complaints\nmanagement system will be formulated to allow the facility of online status\ntracking to policyholders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Facility_of_Video_Conferencing_for_Hearings\"><\/span>Facility of Video Conferencing for Hearings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By way of the Insurance Ombudsman\n(Amendment) Rules 2021, the Ombudsmen are now allowed to use the facility of\nvideo conferencing for hearings. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Relief_in_case_of_Vacancy\"><\/span>Relief in case of Vacancy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Central Government has made\nvarious provisions in the Insurance Ombudsman (Amendment) Rules 2021 concerning\nthe vacancy in the office of an Ombudsman. Also, the provisions regarding the\ngiving of additional charge to some other ombudsman are provided in the amended\nrules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reasons_for_Amending_Insurance_Ombudsman_Rules_2017\"><\/span>Reasons for Amending Insurance Ombudsman Rules 2017<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The reasons behind the amendment of the Insurance Ombudsman Rules 2017\nare as follows:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Secure_Integrity_and_Independence\"><\/span>To Secure Integrity and Independence <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One of the main reason behind the amendment was to secure and protect\nthe integrity and independence of the ombudsman selection process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Build_in_Safeguards_for_Protection\"><\/span>To Build in Safeguards for Protection<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Central Government has decided to build safeguards to protect the impartiality\nand independence of persons appointed while serving ass ombudsman.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Include_Individual_with_Track_Record\"><\/span>To Include Individual with Track Record<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another reason for the amendment is that the government has decided to\nappoint a person with an established track record to promote consumer rights\nand to advance the issue of consumer protection in the insurance regulatory\nsector.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Rename_Executive_Council_of_Insurers\"><\/span>To Rename Executive Council of Insurers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another reason behind the amendment of the Insurance Ombudsman Rules\n2017 was to rename the Executive Council of Insurers as the Council for\nInsurance Ombudsmen.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Substitute_the_word_IRDAI\"><\/span>To Substitute the word IRDAI <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Again a significant reason behind the passing of the Insurance Ombudsman (Amendment) Rules 2021 was to substitute the word <a href=\"https:\/\/www.irdai.gov.in\/\">IRDAI<\/a> with Authority.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Insert_the_Definition_of_Insurance_Broker\"><\/span>To Insert the Definition of Insurance Broker<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Central Government has decided to insert the definition of the word\nInsurance Broker, which means the person who has obtained <strong><a href=\"https:\/\/swaritadvisors.com\/insurance-broker-license\" class=\"text-primary\">Insurance\nBroker License<\/a><\/strong> from the authority.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To_Substitute_the_provisions_of_the_Selection_Committee\"><\/span>To Substitute the provisions of the Selection Committee <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By way of the Insurance Ombudsman\n(Amendment) Rules 2021, the Central Government has decided to substitute the\nexisting provisions of the ombudsman appointment selection committee with the\nnew one.<\/p>\n\n\n\n<p><strong>Further,\nthe provisions concerning the following have been substituted with the new\nprovisions as well:<\/strong><\/p>\n\n\n\n<ul><li>Provisions\nconcerning the qualifications for the appointment of Insurance Ombudsman;<\/li><li>Provisions\nconcerning the procedure and selection criteria for the appointment of\nInsurance Ombudsman;<\/li><li>Provisions\nconcerning the office term for the appointed Insurance Ombudsman;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In\na nutshell, the Insurance Ombudsman scheme denotes a scheme formed by the\nCentral Government to benefit the individual\npolicyholders by getting their filed complaints settled out of the courts in an\nefficient, cost effective, and impartial manner.<\/p>\n\n\n\n<p>Also, one of the main reasons for implementing the Insurance Ombudsman\n(Amendment) Rules 2021 was to increase the ambit and jurisdiction of the\nInsurance Ombudsman under the provisions of the Insurance Regulatory and\nDevelopment of India Act 1999, which will directly help the policyholders in\ngetting their claims and complaints settled.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Official_Copy_of_the_Insurance_Ombudsman_Amendment_Rules_2021\"><\/span>Official Copy of the Insurance Ombudsman (Amendment) Rules 2021<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<a href=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/Official-Copy-of-the-Insurance-Ombudsman-Amendment-Rules-2021.pdf\" class=\"pdfemb-viewer\" style=\"\" data-width=\"max\" data-height=\"max\"  data-toolbar=\"bottom\" data-toolbar-fixed=\"off\">Official-Copy-of-the-Insurance-Ombudsman-Amendment-Rules-2021<br\/><\/a>\n<p class=\"wp-block-pdfemb-pdf-embedder-viewer\"><\/p>\n\n\n\n<p><strong>Also, Read:<\/strong> <mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/learning\/irda-modifies-the-definition-of-pre-existing-diseases\/\">IRDA modifies the definition of pre-existing diseases<\/a><\/mark><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Central Government on 02.03.2021 has notified comprehensive amendments to the existing Insurance Ombudsman Rules 2017. The reason behind the amendment was to improve the working and operations of the Insurance Ombudsman mechanism and to facilitate timely, cost effective and impartial resolution of grievance complaints concerning deficiencies in the insurance services. Also, the amended rules [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2993,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[43,50],"tags":[461],"acf":[],"_links":{"self":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2992"}],"collection":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2992"}],"version-history":[{"count":5,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2992\/revisions"}],"predecessor-version":[{"id":3022,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2992\/revisions\/3022"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media\/2993"}],"wp:attachment":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}