Firm was engaged in 2017 for Employee Health Insurance Scheme
Excelsior Correspondent
JAMMU, Jan 14: The Government of Jammu and Kashmir has blacklisted M/s Trinity Reinsurance Brokers Ltd. for a period of two years, debarring the company from participating in any bidding process initiated by the UT Government with immediate effect.
The decision has been taken to safeguard public interest after the Government found serious violations of contractual obligations, professional misconduct and financial irregularities by the firm in the implementation of the Group Mediclaim Insurance Scheme for Government employees.
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As per a Finance Department order, Trinity Reinsurance Brokers Ltd. was engaged by the Government in November 2017 after a tendering process for designing and implementing the Group Mediclaim Insurance Policy for all State Government employees.
The order said the firm was entrusted with administering the scheme, enrolling beneficiaries, issuing smart cards, setting up grievance redressal mechanisms, and providing MIS, call-centre and project office services.
Subsequently, it said, Reliance General Insurance Company Ltd. was selected as the insurer, and a tripartite agreement was executed on October 15, 2018 between the Government, Trinity Reinsurance Brokers and the insurer.
The order further said under the scheme, the Government released the first installment of premium amounting to over Rs 61 crore for about 3.5 lakh employees and over Rs 66 lakh for 1,506 pensioners in favour of the insurer.
However, soon after the implementation of the scheme, the order said, widespread concerns were raised by employees and various sections of society regarding the finalisation and execution of the contract.
“Following these concerns, the Government served a notice for termination of the agreement on November 30, 2018 and formally terminated the contract with effect from December 31, 2018,” it said.
The order added that the Finance Department found that Trinity Reinsurance Brokers failed to carry out several mandatory obligations under the agreement. These included failure to provide enrollment details to the Government, failure to enroll beneficiaries and issue smart cards, and failure to establish an online verification system.
The Departmental order said that the firm also did not provide a list of empanelled hospitals within the stipulated time, failed to set up a 24×7 helpline, website and mobile application, and did not share real-time data related to enrollment, claims and beneficiaries.
It was further observed that the firm did not establish project offices or district offices, failed to set up a call centre and grievance redressal cells at the State and district levels, and did not conduct awareness campaigns or enrollment camps, the order said.
Even after termination of the agreement, the firm allegedly did not cooperate with the Government in reconciling unutilized premium amounts recoverable from the insurer, causing financial loss to the Government exchequer.
The order issued by the Finance Department further said that a show-cause notice proposing blacklisting was issued to the firm in May 2025.
Instead of submitting a reply, it said, the firm approached the court, but its petition was dismissed on October 16, 2025.
“The company later submitted a reply denying all allegations,” the Finance Department order said, adding that after examining the reply in consultation with the Law Department, the Government concluded that the firm’s conduct amounted to gross negligence, willful default and professional misconduct.
It said the decision to blacklist the firm also took note of the charge sheet filed by the CBI and a prosecution complaint filed by the Directorate of Enforcement under the Prevention of Money Laundering Act, which revealed misrepresentation, inflation of enrollment figures and misuse of brokerage amounts.
“Considering the seriousness of the findings and the need to ensure transparency and accountability in public contracts, the Government ordered the blacklisting of Trinity Reinsurance Brokers Ltd. for a period of two years with immediate effect,” the order said.
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