[AI] Re: insurance woes
- From: "Rajani.G" <rajani_g@xxxxxxxx>
- To: accessindia@xxxxxxxxxxxxx
- Date: Thu, 30 Mar 2006 19:19:02 +0530
Hi,
This problem of discrimination from LIC, I too faced recently when I had to
take up a policy. finally I got HDFC - SLIC without extra premium. It is
sorry to note that the discrimination is from Govt body like LIC. I too feel
we should voice against this.
Regards,
RAJANI. G
Phone: 080-26422782
Hand Phone: 9844263945
mail: rajani_g@xxxxxxxx
rajanig_ca@xxxxxxxxx
----- Original Message -----
From: khurana
To: accessindia@xxxxxxxxxxxxx
Sent: Wednesday, March 29, 2006 9:24 PM
Subject: [AI] Re: insurance woes
Competition between insurers could surely help check such arbitrariness, but
the issue may have to be taken up with IRDA, to enable it to lay down just and
fair rules to be followed by all insurers.
Thanks,
Anil
----- Original Message -----
From: Dipendra Manocha
To: accessindia@xxxxxxxxxxxxx
Sent: 28 March, 2006 9:42 PM
Subject: [AI] Re: insurance woes
hello friends
There is a private insurance company which clearly has been offering that
no extre premium will be charged from persons with disability and one of the
old teachers of a school for the blind girls is offering to get insurance
covers for persons with blindness.
Thanks
dipendra
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From: accessindia-bounce@xxxxxxxxxxxxx
[mailto:accessindia-bounce@xxxxxxxxxxxxx] On Behalf Of K Ramkrishna
Sent: Tuesday, March 28, 2006 1:03 PM
To: accessindia@xxxxxxxxxxxxx
Subject: [AI] Re: insurance woes
Dear Listers,
Its simply obnoxious and should be objected to with all our might. Lets
prepare a memorandum and submit the same to the chairman and managing director
of LIC. Rajesh, you are the right person to prepare this, as you have the legal
background.
regards
----- Original Message -----
From: rajesh asudani
To: accessindia@xxxxxxxxxxxxx
Sent: Wednesday, March 29, 2006 2:00 AM
Subject: [AI] insurance woes
Hello friends,
What I am writing is by no means new or astonishing! It is the same old
discriminatory bias against the disabled without logical/statistical basis. I
have just been informed that LIC does not offer us, VH any joint policies with
sighted partners and charges 0.2% nominal extra premium for whatever policies
it offers to the disabled involving both the organs like eyes limbs etc. this
0.2% comes to Rs. 200 per lakh! Want of any statistical basis or logical or for
that matter legal/constitutional basis for this discrimination is self-evident
and I believe has been discussed in this forum more than once. It is shere
arbitrariness as the differentia used to categorize the fully disabled for
subjecting them to different treatment viz: charging extra premium for
affording insurance cover does not bear any rational nexus to the objective to
be attained, as the argument that the total disability predisposes a person to
a premature death more is misleading, lacking in factual and statistical
corroboration. Besides, there is a counter argument to the effect that such
disabled persons are, in all likelihood, to be extra careful about their safety
than the average people. If hundred percent disability warrants extra premium,
then habitual drunkenness, smoking involvement in antisocial activities etc.
warrant it much more, as such people are intentionally playing with their
lives.
I do not know about private players, whether they too have such
discriminatory policies. Would love to hear members' experiences in this matter.
It is high time that the matter is taken up at CCPD HC and IRDA levels.
Have their been any such initiatives?
If not, it is my sincere request to all the interested members and in
particular to Mr. Rajiv Ratori to initiate the move.
Regards
Rajesh.
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