Hi I was waiting for an outcome from Oriental insurance before I wrote this email. I did manage to get a top up from them. No competition when compared to the amount charge for a top up by ICICI Lombard. It just means that the private players are still discriminatory in their policies as against the Scraps that the government players are putting out for usthe
On Tue, 2 Dec 2025 at 2:37 pm, KONGALETI SATYANARAYANA < [email protected]> wrote: > Dear mam, > > I understand the frustration that you are going through. > As an employee working at United India insurance Company Limited, I know > how difficult it is for a person with disability to get an insurance and > have been always advocating for this. > As per the guidelines from insurance regulatory and development authority > of India, every company should have an underwriting policy which does not > discriminate persons with disabilities. > As per this, the letter that you received can be checked if it is against > the underwriting philosophy of that company. > If that is the case, that can be challenged in court also. > If you need any assistance from United India, feel free to reach out to > me. > Being a public sector insurance company, Oriental insurance company may > extend benefit to you as you have base policy with them. > > > > thanks and regards, > Kongaleti Satyanarayana Reddy > > > On Tue, Dec 2, 2025 at 2:28 PM Payal Ki Jhankar <[email protected]> wrote: > >> Hi >> I've seen many conversations doing the rounds related to denial of >> insurance in some form or the other. I've recently been stone world as >> well, so I thought I'll check if anyone knows how to work around this. >> I have a base medical insurance policy with Oriental insurance for a >> while now. I thought I would add to this and went through my agent about >> the same. He approached ICICI Lombard for a top up and told me I would >> receive a verification call from them. The verification call was standard, >> checking of all the check boxes about my medical history-none of which has >> anything to report. I told them that I was blind and had been for over 30 >> years and had a certificate to prove the same. >> Their conversation with my agent asked about recent consultations with an >> ophthalmologist, which I don't need since I'm blind and none of that is >> going to change. In the end, they sent me a rejection letter telling me >> that this was not because of my health status, but the underlying medical >> policy of the company. >> Of course, they were generous and offered me something else that would be >> Taylor made to suit my requirements, which I know what they will do with. >> What I want to ask, is has anyone face this situation as well? >> He is now waiting for Oriental insurance to give us their verdict. I >> haven't heard back so far. In the meantime, irritated with this whole >> situation, I thought I'd ask experts here. >> Thanks >> Payal >> >> -- >> Disclaimer: >> 1. Contents of the mails, factual, or otherwise, reflect the thinking of >> the person sending the mail and AI in no way relates itself to its veracity; >> >> 2. 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