I think you misunderstood me, Akhil. Anyway I agree with Harish that the first step would be using stats to figure out if it is riskier or not.
If so, the risk is due to inaccessibility and not disability. So if the insurance company wants any remedy for that they should go to the owners of the premises where an incident occurs. But we are digressing from the topic, Amar must be swearing at me right now :) Sagar +91 99 30 271732 intouchid: 2010-SAGAR007 <http://intch.me/2010-SAGAR007> "The evil of the world is made possible only by the sanction you give it." - John Galt in "Atlas Shrugged" On Tue, May 21, 2013 at 1:14 PM, akhilesh <akhil.akhi...@gmail.com> wrote: > Hi Sagar, > Assuming that you're correct. However, It is the duty of the > state/government to provide the safe environment to PWDs including > crossing of roads. So one can not and in fact should not be allowed to > take the advantage of its own wrong. > > > > On 5/21/13, Kotian, H P <hpkot...@rbi.org.in> wrote: > > Sagar > > > > The only objective way to deal with it is on the basis of stats. > Statistics > > does not show that because of disability they are more prone to > accidents. > > If that be the case, there is no justification to charge extra. The > irony is > > that the able bodied are more accident prone and in reality they should > give > > us discounts. > > > > Harish Kotian > > > > > > > > -----Original Message----- > > From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On > Behalf > > Of Sagar Sodah > > Sent: 20 May 2013 18:00 > > To: accessindia > > Subject: Re: [AI] Views Invited: Legal issues in an insurance contract > for > > people with disabilities. > > > > Hi All, > > > > The extra premium does have a logical basis, in terms of being at > increased > > risk. Now it depends on the disability and the accident if such increased > > risk is valid or not. > > > > For example, crossing the road, might be considered more riskier if you > are > > blind compared to if you are normally sighted. > > > > The tricky part is, this risk is difficult to calculate, and there is a > > very fine line between such calculation and discrimination. > > > > A possible solution could be that in cases where disability plays a major > > role in an injury the insurance company should be allowed to claim part > or > > all of the money in turn from the owner of the premises where the > accident > > happens. This makes sense because the discrimination or risk is actually > > due to lack of accessible/inclusive infrastructure. This would also push > > private builders and government to make infrastructure accessible. > > > > > > Sagar > > +91 99 30 271732 > > intouchid: 2010-SAGAR007 <http://intch.me/2010-SAGAR007> > > > > "The evil of the world is made possible only by the sanction you give > it." > > - John Galt in "Atlas Shrugged" > > > > > > On Mon, May 20, 2013 at 3:12 PM, akhilesh <akhil.akhi...@gmail.com> > wrote: > > > >> Right Harish Sir, > >> But as far as this judgment is concerned, it is not applicable to > >> Private bodies. > >> > >> unjustified denial can surely be challenged on the well established > >> grounds as you've mentioned. > >> > >> It is the responsibility of IRDA (I.R.D.A) that disable are not > >> discriminated/charged extra premium on the grounds of their > >> disabilities by private companies. > >> > >> "@Amar: > >> I'll go through the judgment and get back to you soon. > >> > >> > >> On 5/20/13, Kotian, H P <hpkot...@rbi.org.in> wrote: > >> > Hi > >> > To put a non legal perspective, the government / regulators can issue > >> > guidelines which holds good for the entire industry which includes > both > >> > public and private bodies. When RBI issues guidelines it does not > >> > differentiate between the private and PSu's. > >> > At any rate, the stats does not bring about any justification on > >> > applying > >> > additional premium. There is no basis for the additional premium which > >> would > >> > fall into what can be termed as arbitrarily decision. > >> > > >> > Harish Kotian > >> > > >> > -----Original Message----- > >> > From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On > >> Behalf > >> > Of Amar Jain > >> > Sent: 20 May 2013 13:34 > >> > To: accessindia > >> > Subject: Re: [AI] Views Invited: Legal issues in an insurance contract > >> for > >> > people with disabilities. > >> > > >> > Dear Akhil Bhaiya, > >> > > >> > At last, I see someone's legal views. > >> > > >> > May be my drafting of second question needs to be revisited by myself > >> > to make it more clear. What I meant to ask, that considering that LIC > >> > and other such bodies being created for public welfare etc., the > >> > principles were being applied through this judgment keeping the social > >> > welfare objective in mind. But, would the principles hold good even in > >> > case of private insurers? As you rightly said, this judgment by itself > >> > will not be applicable to private bodies (unless the court sitting to > >> > interpret and stretches it to the private insurers keeping the public > >> > objective in mind), but that is a matter of construction, and as a > >> > general rule it will not be applicable. But can the principles of this > >> > judgment bind the other bodies too? Or, would the principles be > >> > restricted to Art. 12 bodies? > >> > > >> > Lets hope that we have more views in toto on this issue. > >> > > >> > Regards > >> > -- > >> > 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_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.. > >> > > >> > 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.. > >> > > >> > >> > >> -- > >> Akhilesh Dahiya, > >> Advocate. > >> Mobile: +91 9818798780 > >> Email: akhil.akhi...@gmail.com > >> New Delhi > >> > >> 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.. > >> > > 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.. > > > > 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.. > > > > > -- > Akhilesh Dahiya, > Advocate. > Mobile: +91 9818798780 > Email: akhil.akhi...@gmail.com > New Delhi > > 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.. > 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..
