It will be advisable to read the fine print in such cases. There are so many discrepancies in giving insurance to blind persons within the same company.
Unfortunately we cannot have the peace of mind that the claims will be settled properly when required. It looks like the insurance companies will try to find all excuses in case of persons with disabilities for not paying the insured amount. In our case LIC issued policy to my wife without any condition whereas put several conditions in writing in my case. Someone needs to get the courts involved and get a clear cut policy declaration from the insurance companies or the IRDA for persons with disabilities. Prashant -----Original Message----- From: AccessIndia [mailto:[email protected]] On Behalf Of Vishnu Ramchandani Sent: 23 May 2013 15:17 To: [email protected] Subject: Re: [AI] Views Invited: Legal issues in an insurance contract forpeople with disabilities Now a days, most of the companies are launching the online products including term plans/health insurance plans. Means, we can directly by the insurance product from the respective company's website without involving the agent. These online plans can be purchased with very low premium rate as compare to regular plan since the agent's involvement is not there. Regards, Vishnu -----Original Message----- From: AccessIndia [mailto:[email protected]] On Behalf Of Apoorv Kulkarni Sent: Thursday, May 23, 2013 1:22 PM To: Accessindia Subject: [AI] Views Invited: Legal issues in an insurance contract forpeople with disabilities Dear all, Firstly, I applaud use of the Accessindia forum for such constructive initiatives. As the discussion around this topic is evolving, I imagine that many of us may be presently considering getting an insurance policy. If any of you are interested, I would recommend my agent, who himself is disabled, for consultation. You may finally avail services of your existing/ preferred agents for getting the policy, but having a conversation with my agent may help you gain insights into regulations/ procedures for getting a insurance policy for a disabled individual. In case anyone is interested, please write to me off-list, and I will be happy to make a formal introduction with my agent. Regards, Apoorv Register at the dedicated AccessIndia list for discussing accessibility of mobile phones / Tabs on: http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_acces sindia.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.i n 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.. Information transmitted by this e-mail is proprietary to MphasiS, its associated companies and/ or its customers and is intended for use only by the individual or entity to which it is addressed, and may contain information that is privileged, confidential or exempt from disclosure under applicable law. If you are not the intended recipient or it appears that this mail has been forwarded to you without proper authority, you are notified that any use or dissemination of this information in any manner is strictly prohibited. In such cases, please notify us immediately at [email protected] and delete this mail from your records. 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.. 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..
