Have you divulged the fact that you have an eye disorder? I refused to take an Aviva policy some time ago simply because they were charging me a disability premium.
Regards, George -----Original Message----- From: AccessIndia [mailto:[email protected]] On Behalf Of Vedprakash Sent: 21 May 2013 20:14 To: [email protected] Subject: Re: [AI] Views Invited: Legal issues in an insurance contract for people with disabilities. But private agencies do not charge any extra amount on account of blindness. I have policies from icici pru, hdfc and Bajaj. none of these charge any aditional fee. ----- Original Message ----- From: "Amar Jain" <[email protected]> To: "accessindia" <[email protected]> Sent: Tuesday, May 21, 2013 4:01 PM Subject: Re: [AI] Views Invited: Legal issues in an insurance contract for people with disabilities. > Well, both arguments seem to sustain with each other. While it is true > that people with disability do not suffer accidents due to their > disability in most of the cases, but at the same time it is also true > that out of a contract of insurance, the only profit which an insurer > makes is the premium which anyone pays provided that the event insured > never takes place. In such a case, if the cause of the event is > accident due to disability, then the risk of the insurer certainly > increases. > > It is also true that each government is responsible to us for > providing infrastructure, but in practicality, it does not exist > today. So in such cases, though bodies like LIC can be made > accountable on the ground of public welfare objective, but what > happens in case of private insurance? > > It is also correct to say that regulator generally do not make > distinction while enforcing any regulations, and as on date I.R.D.A. > has nothing on disability related issues in terms of regulation. > > I.R.D.A. is a growing regulator, but it is not wrong to say that they > are not as receptive as the regulators like RBI and SEBI are. History > proves that. > > I have two key suggestions here: > > 1. That whenever any disability related insurance is provided, then > fixed additional charge if any, should be deducted at the time of > processing claim, if the surveyor's report shows that the accident > took place because of the disability as a main cause. And no > additional premium should be put on the insured. > > This should only apply to accidents that too while walking on road, > and in no other case. (I cannot think of any other circumstance which > could lead to accident due to disability of any kind) > > 2. While assessing any claim, the disability expert should be > accompanied with the surveyor so to see that there is no undue > advantage being taken by the insurance company while processing the > claim as regards the disability of the insured. > > I am open to suggestions. > > 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_acc > essindia.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_accessin dia.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..
