Dear Madam, If possible, please upload the PDF version of the letter to any of the file-sharing sites. Thanks and regards.
On 5/19/13, Sushmeetha <sushmee...@voicevision.in> wrote: > With reference to my knowledge, we don't have to pay any extra premium on > life insurance if the policy is beginning from or after 2008. > > There is a letter signed by LIC for NAB to support this. Pasting below the > content of the letter converted by OCR. > > Hope this helps. > > Life Insurance Corporation > 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 > Asst.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 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 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, > Executive Director (ACTL) > > Best Regards, > Sushmeetha B. Bubna │ Founder Director > > Voice Vision > 103, Synthofine Estate,' A'- Wing, Off Aarey Road, Goregaon (E), Mumbai - > 400 063. > Work Phone: +91 22 40400000 │ Fax: +91 22 40400123 │ Hand Phone: +91 > 9820566010 > Email: sushmee...@voicevision.in │ Web: www.voicevision.in > Facebook www.facebook.com/voicevisionfans > > Challenges are what make life interesting; overcoming them is what makes > life meaningful. > -----Original Message----- > From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf > Of Amar Jain > Sent: 19 May 2013 11:47 > To: accessindia > Cc: amarjain2...@gmail.com > Subject: [AI] Views Invited: Legal issues in an insurance contract for > people with disabilities. > > Dear Scholars, > > I would like this discussion to be restricted to legal points, except > when other points are equally important to substantiate the answers. > If the moderator permits and other members have no objections, then I > would love to see this matter being discussed on one other group which > I think has quality experts to deal with the matter, and the group is > We The PWD. So, cross-posting permission is sought in the matter. > > I have been through the judgment passed in the matter of Vikas Gupta > vs. Union of India and Anr. when it was passed, and from what I > remember that the judgment was passed in terms of postal life > insurance in which the maximum amount with which the person with > disability can be insured and additional premium being charged by the > insurer on the ground of increased risk which can be incidental cause > for insurer to undertake his liability in the event of any loss being > caused were in issue. And from what I vaguely remember, the judgment > was based on English authorities, as there was no case-law available > as far as Indian judiciary is concerned. Though I don't remember the > grounds on which the judgment was ultimately passed. > > Subsequently, the postal department issued the circular / notification > (not sure what was issued), removing both the conditions. > > I will also be approaching LIC for a policy in coming months, and even > my agent has told me that additional premium will be charged, and the > seniors have also told the same verbally. I have not taken up this > issue in my individual capacity yet with the corporation directly. My > questions are as below: > > 1. The judgment did not settle the issue at once for all. As it was a > writ petition (remedy for an individual), and it confined to the > issuance of postal life insurance. So, though the judgment can be > treated as a good precedent, and the ratio can be relied upon for > arguing cases subsequently. But, can it be said to have binding effect > on all? > > 2. Even if the answer is in affirmative, then on whom the judgment > will have the binding effect? (Will it be restricted to those > considered as state under Art. 12) or, even the private insurers can > be brought under the realm of this judgment? > > 3. Apart from the grounds of discrimination and other similar grounds > which are constitutionally available, and considering the fact that > disability (except lunacy) is no bar when it comes to contracting > capacity and insurance contract is no exception for us, how do we > practically justify that disability will not affect the risk which is > being underwritten materially in case of the happening of an event due > to disability? > > Important: Can we say that in such cases the principle of causa > proxima (the immediate cause of happening of the event) will apply > while deciding whether the insured's claim is allowed or not? > > 4. Keeping the fact in mind that life insurance is based on human > value concept, would other insurances be governed differently? > > 5. Lastly, in case of a mediclaim policy, can we say that the existing > disability and its effects which may happen in general subsequently, > be excluded and all other benefits be allowed? (In such cases, the > effects should also be clearly defined when policy is being issued). > This I think should be quite a good possibility. > > -- > Amar Jain. > Website: www.amarjain.com > > Register at the dedicated AccessIndia list for discussing accessibility of > mobile phones / Tabs on: > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessind > ia.org.in > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > 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. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > > -------------------------------------- > Ascent Networks Pvt Ltd, Mumbai, India > > > > > Register at the dedicated AccessIndia list for discussing accessibility of > mobile phones / Tabs on: > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in > > > Search for old postings at: > http://www.mail-archive.com/accessindia@accessindia.org.in/ > > To unsubscribe send a message to > accessindia-requ...@accessindia.org.in > with the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > 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. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > -- కాకర్ల నాగేశ్వరయ్య K. Nageswaraiah Register at the dedicated AccessIndia list for discussing accessibility of mobile phones / Tabs on: http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in Search for old postings at: http://www.mail-archive.com/accessindia@accessindia.org.in/ To unsubscribe send a message to accessindia-requ...@accessindia.org.in with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in 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. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list..
