Dear List,
I am planning to buy a high value term life insurance plan from
private life insurance companies incorporated in India. But as we are
aware that insurance companies specially LIC do discriminate between
physically fit and physically challenged persons in terms of either
charging higher premium or restricting certain inherent benefits
associated with various plans on ground of disability, So, here I seek
your valuable guidance and request to share any experience where
private life insurance company/s has insured 100% visually impaired
person without any extra premium and has offered all benefits
associated with plan.
Moreover also request members to share any experience where any of
private life insurers have settled death claim of any VI person in
full and without any hassle
I do not wish to consider Life Insurance Company of India (LIC)
because not only it charges higher premium in comparison to private
insurers but also I have witnessed discrimination from it in year 2015
when I bought an Endowment plan, Jeevan Anand of Rs. 10 Lakh from it.
I had to run from pillar to post to get the plan and that to without
double accident death benefit facility which is offered to physically
fit counterparts but not to me because of my disability.
Kindly share your experience on the matter.
--
Thanks and regards
Himanshu Sahu
Reach: 09051055000
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