RAP Exam v/s VLE INS Exam

In the ever-evolving landscape of digital entrepreneurship, two significant opportunities stand out: CSC RAP (Rural Authorized Person) and CSC VLE INS (Village Level Entrepreneur – Information and Communication Technology). Both initiatives fall under the Digital India program, aiming to bridge the digital divide and empower rural communities. In this comprehensive comparison, we’ll explore the key differences between CSC RAP and CSC VLE INS, helping aspiring entrepreneurs make an informed decision about their path to digital empowerment.

Which one is better for you either RAP or VLE Ins

  1. What is CSC RAP?
  2. What is CSC VLE INS?
  3. Key Differences between CSC RAP and CSC VLE INS
  4. Which Path is Suitable for You?
  5. Pros and Cons of CSC RAP and CSC VLE INS
  6. Career Opportunities after CSC RAP and CSC VLE INS
  7. Conclusion

rap verses vle ins

Section 1: What is CSC RAP?

CSC RAP stands for Rural Authorized Person. RAPs are individuals who undergo training and certification under the Common Services Center (CSC) Special Purpose Vehicle (SPV) to offer various digital services and government schemes in rural areas. RAPs act as the face of CSCs, ensuring last-mile connectivity and digital empowerment in remote regions.

Section 2: What is CSC VLE INS?

CSC VLE INS, on the other hand, stands for Village Level Entrepreneur – Information and Communication Technology. VLE INS is a program under the CSC Scheme, where individuals become entrepreneurs and set up Common Services Centers in rural areas to provide digital services. VLEs are authorized to deliver government services, financial inclusion, and digital literacy.

Section 3: Key Differences between CSC RAP and CSC VLE INS

Let’s compare CSC RAP and CSC VLE INS across various aspects:

1. Role and Function:
– CSC RAP: RAPs are authorized to deliver digital services and government schemes to rural communities through existing CSCs.
– CSC VLE INS: VLEs set up and operate CSCs, providing a range of digital services, government schemes, and financial inclusion.

2. Authorization:
– CSC RAP: RAPs undergo specific training and pass the RAP exam to become authorized for service delivery.
– CSC VLE INS: VLEs receive authorization upon successful completion of the VLE INS training program.

3. Service Delivery:
– CSC RAP: RAPs focus on offering digital services and government schemes, often acting as intermediaries between citizens and government services.
– CSC VLE INS: VLEs deliver a broader range of services, including digital services, financial transactions, and government schemes, with more autonomy in center operations.

4. Entrepreneurial Approach:
– CSC RAP: RAPs operate under the guidance and support of CSC SPV, following predefined service models and guidelines.
– CSC VLE INS: VLEs have more entrepreneurial freedom in setting up their CSCs, tailoring services based on local needs.

5. Training and Certification:
– CSC RAP: RAPs undergo specialized training through the CSC RAP program and receive RAP certification.
– CSC VLE INS: VLEs complete the CSC VLE INS training, receiving certification to establish and operate CSCs.

6. Infrastructure and Setup:
– CSC RAP: RAPs typically join existing CSCs, reducing the need for extensive infrastructure setup.
– CSC VLE INS: VLEs need to set up their CSCs, which may require initial investment in infrastructure.

Understand from Table

Difference RAP VLE INS
Rural Authorized Person (RAP) Exam http://15.206.9.238/vleinsurance/
• Registration Fees – Rs. 200/-
• Re-appear for exam – Rs. 100/-
• Online Training of 15 hours
• Appear For Exam – passing Marks –
10/25
• License given by
http://13.126.173.165/insurance/
• Registration Fees – Rs. 350/-
• Re-appear for exam – Rs.175/-
• Online Training – 20
modules/assessments
• Appear for Exam – passing marks –
35/100
• License given by IRDAI (within 10-15
days of passing the exam)
Limits on Insurance
Products
Life Insurance – Same for both RAP/VLE INS
General Insurance – All POSP products
Life Insurance – Same for both RAP/VLE INS
General Insurance – All products with Sum
Insured Limit twice that of VLE INS products.
Products being offered Life Insurance (Cash Back)
Upcoming –
  • Motor Third Party
  • Motor Comprehensive
  • Personal Accident
  • Health Insurance
  • Fire Insurance
  • Travel Insurance
Life Insurance (Khata, Cashback)
  • Motor Third Party
  • Motor Comprehensive
  • Personal Accident
  • Health Insurance
  • Fire Insurance
  • Travel Insurance
Insurance Companies
Associated
India First Life Insurance Company Ltd
Upcoming
  • Bajaj Allianz General Insurance Co. Ltd.
  • Future Generali General Insurance Co. Ltd.
  • HDFC ERGO General Insurance Co. Ltd.
  • ICICI Lombard General Insurance Co. Ltd.
  • IFFCO TOKIO General Insurance Co. Ltd.
  • Reliance General Insurance Co. Ltd.
  • Royal Sundaram General Insurance Co. Ltd.
  • Shriram General Insurance Co. Ltd.
  • Universal Sompo General Insurance Co. Ltd.
India First Life Insurance Co. Ltd.
Bajaj Allianz General Insurance Co. Ltd.
Future Generali General Insurance Co. Ltd.
HDFC ERGO General Insurance Co. Ltd.
ICICI Lombard General Insurance Co. Ltd.
IFFCO TOKIO General Insurance Co. Ltd.
New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd
Reliance General Insurance Co. Ltd.
Royal Sundaram General Insurance Co. Ltd.
Shriram General Insurance Co. Ltd.
TATA AIG General Insurance Co. Ltd.
United India General Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
Upcoming –
  • Cholamandalam General Insurance Co. Ltd.
  • Kotak Life Insurance Co. Ltd.
  • SBI General Insurance Co. Ltd.
Commission Structure
(For CSC) – same for
RAP & VLE INS POSP
S.NO. PRODUCT COMMISSION
1 Motor Comprehensive
Age of Vehicle 0-3 Years
Other than 2 Wheeler
2 Wheeler
Age of Vehicle>4years
Other than 2 Wheeler 15% of OD Premium + 2.5% of TP Premium
2 Wheeler 17.50% of Premium + 2.5% of TP Premium
2 Motor Third Party
All Vehicle 2.50% of TP Premium
3 Health Insurance 15% of Premium
4 Fire Insurance 16.50% of Premium
5 Marine Cargo 16.50% of Premium
6 Miscellaneous
Personal Accident 16.50% of Premium
Farmer Package Policy 16.50% of Premium
Hospital Cash 16.50% of Premium
Travel Insurance 16.50% of Premium

Section 4: Which Path is Suitable for You?

Choosing between CSC RAP and CSC VLE INS depends on individual preferences, aspirations, and entrepreneurial goals. Consider the following factors:

1. Service Focus: If you prefer focusing on delivering digital services and government schemes, CSC RAP may be the ideal choice.

2. Entrepreneurial Freedom: If you desire more autonomy in business operations and the ability to offer a diverse range of services, CSC VLE INS may be the better fit.

3. Existing Infrastructure: If you have limited resources and wish to join an established CSC, CSC RAP provides that opportunity.

4. Infrastructure Investment: If you are willing to invest in setting up your own CSC and wish to explore diverse business opportunities, CSC VLE INS may suit you better.

Section 5: Pros and Cons of CSC RAP and CSC VLE INS

To gain a clearer perspective, let’s explore the pros and cons of both initiatives:

CSC RAP Pros:
– Focused service delivery
– Support and guidance from CSC SPV
– Reduced infrastructure investment

CSC RAP Cons:
– Limited entrepreneurial freedom
– Fewer service offerings compared to CSC VLE INS

CSC VLE INS Pros:
– Entrepreneurial freedom
– Diverse service offerings
– Opportunities for financial inclusion and digital literacy

CSC VLE INS Cons:
– Initial infrastructure investment
– Independent business setup and management

Section 6: Career Opportunities after CSC RAP and CSC VLE INS

After acquiring experience as a CSC RAP or CSC VLE INS, you can explore various career opportunities:

1. Business Expansion: Successful RAPs and VLEs can expand their CSC operations and set up multiple centers, increasing their reach and impact.

2. Digital Marketing and E-commerce: Experienced entrepreneurs can explore digital marketing and e-commerce opportunities, leveraging their expertise to reach a broader audience.

3. Consultancy Services: RAPs and VLEs can offer consultancy services to individuals and organizations seeking guidance on digital services and entrepreneurship.

4. Government Projects: Entrepreneurs with CSC experience may collaborate with the government on various rural development and digital initiatives.

Conclusion:

Both CSC RAP and CSC VLE INS offer exciting pathways to digital entrepreneurship and rural empowerment. CSC RAP focuses on specialized service delivery through existing CSCs, while CSC VLE INS allows entrepreneurs to establish and operate their CSCs with more entrepreneurial freedom. To make the right choice, consider your interests, business aspirations, and investment capabilities. Whichever path you choose, both CSC RAP and CSC VLE INS present a chance to make a meaningful impact on rural communities while embracing the digital revolution.

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