Dear friends,
A few months ago there was a meeting convened in Mumbai wherein it was
mentioned that some of the LIC policies are not allowed for blind friends. On
behalf of NAB Mr. K. Ramkrishna, Mr. Pravin Dandia, Mr. Suhas Karnik and I met
Mr Agarwal, the Executive Director, Actural Department, LIC and presented him
with our concerns. Following is the correspondence which is selfexplanatory.
I am extremely sorry for not posting it earlier.
May 18, 2007
Mr. G.N. Agarwal,
Executive Director(Actuarial)
Life Insurance Corporation of India
Yogekshema, Jeevan Bima Marg,
Nariman Point
MUMBAI 400 021.
Sub: Our meeting dated 13/03/2007
Dear Shri. Agarwal,
It was indeed nice meeting you on the 13th of March'07, we were quite touched
by your special interest and kind consideration towards the blind.
In the said meeting we had discussed a few issues regarding the policies of
L.I.C. towards its blind clients. Enclosed please find copy of the note which
we had presented to you on that day. May I request you to kindly look into
the matters raised therein and reply us suitably to allay our apprehensions in
this regard.
Looking forward to your communication,
Yours in the cause of the blind,
KETAN KOTHARI
Asstt. Director
March 13, 2007
Mr. G.N. Agarwal,
Executive Director(Acturial)
Life Insurance Corporation of India
MUMBAI.
Sir,
At the outset let me thank you on behalf of the National Association for the
Blind-India, for promptly granting us an appointment to discuss certain issues
pertaining to the blind community.
We would like to draw your kind attention to the following points
1.. In endowment and other schemes of LIC, blind people are charged extra
premium. We concede the fact that the amount of premium is determined by the
perceived risk. However, it is our humble opinion that there is no statistical
data to support this "high risk " perception.
2. Some of the Policies like "Jeevan Anand" "Jeevan Mitra" Jeevan Chhaya"
etc. offer double and triple accident benefits/life cover which is not allowed
to the blind.
3.. Some of your excellent policies like the "Janashri" for un organized
labour are also not available to the blind, although the majority of our blind
community is engaged in un organized sector.
We would request LIC, to kindly take a more equitable view of the requirement
of this community and allow us the maximum benefits that may accrue from
Insurance.
Looking forward to your kind co-operation
Yours in the cause of the blind,
PRAVIN C. DANDIA
Hon. Secretary
(Mono LIC) Life Insurance Corporation of India
________________________________________________________________________
Actuarial Department, Central Office, "YOGAKSHEMA", Jeevan Bima Marg, Mumbai
400 021.
Tel: 022-66598370/22852174, Fax: 022-22028321
Ref. Actuarial/PS
14th July, 2007
Shri Ketan Kothari
Asstt. Director
National Association for the Blind
Mulla House
51, Mahatma Gandhi Road
MUMBAI 400 023.
Dear Sir,
Re : Insurance cover to blind persons
We thank you for your letter dated 18th May 2007 enclosing a copy of your
earlier letter dated 13th March, 2007.
Regarding the points raised in your enclosed letter we have to inform you as
under:
1. It is not correct that we do not allow some of our plans
such as Jeevan Anand, Jeevan Mitra, Jeevan Chhaya etc. to the blind persons.
We do not have any restriction with regard to plan and term for the insurance
cover. The only requirement is that the person to be insured should be
gainfully
employed which is one of our basic requirement for all whether they are
disabled or not disabled.
2. It is also incorrect that Janashree Bima Yojana is not
available to the blind persons. It is a social security group insurance scheme
and provides insurance protection to persons below poverty line and marginally
above poverty line provided they are members of the approved
occupational/vocational
groups.
3. It is also not correct that we charge extra premium while
offering insurance cover to the blind persons.
We hope the above clarification will serve the purpose. If you have any
further points, please write to us.
Thanking you again,
Yours faithfully,
-/sd
EXECUTIVE DIRECTOR (ACTL)
Ketan Kothari
Phone: [r] 24223281,
Cell: 9987550614
MSN ID: [EMAIL PROTECTED]
Skype ID: Ketan3333
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