Please share the link to download the circular. On 19/05/2013, Priyesh.C.U <[email protected]> wrote: > hi!,requesting the same. > > > > With best regards, Priyesh.C.U, Assistant Professor, Department of > Politics, p.m Government College Chalakudy, Thrissur District, Kerala > & PH.d Scholar, School of International Relations & Politics, M.G > University, Kottayam. > Mobile: 09846141225 > Email I D: > [email protected] > Skype I D: priyesh.cu > Facebook: priyesh cu Follow me on Twitter: priyeshcu > "Whenever there is > Decline of righteousness, > And rise of unrighteousness, > I incarnate myself > To protect the virtuous > And to destroy the wicked, > From Age to Age. > Geeta". > > ----- Original Message ----- > From: "Kakarla Nageswaraiah" <[email protected]> > To: <[email protected]> > Sent: Sunday, May 19, 2013 9:42 PM > Subject: Re: [AI] Views Invited: Legal issues in an insurance contract for > people with disabilities. > > >> 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 <[email protected]> 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: [email protected] │ 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:[email protected]] On >>> Behalf >>> Of Amar Jain >>> Sent: 19 May 2013 11:47 >>> To: accessindia >>> Cc: [email protected] >>> 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/[email protected]/ >>> >>> To unsubscribe send a message to >>> [email protected] >>> 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/[email protected]/ >>> >>> To unsubscribe send a message to >>> [email protected] >>> 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/[email protected]/ >> >> To unsubscribe send a message to >> [email protected] >> 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.. >> > > > 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/[email protected]/ > > To unsubscribe send a message to > [email protected] > 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.. >
-- WITH REGARDS GIRIPRASAD MOBILE 924710000 / 9441133367 SKYPE giriprasad.maddina "Our greatest glory consists not in never falling, but in rising every time we fall." 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/[email protected]/ To unsubscribe send a message to [email protected] 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..
