I agree with Harish and would like to add a few more points: In the first place, there is no reason why the factor of disability should be considered. A person's lifestyle, workplace is not considered is it. Why should such invasion of privacy be allowed in case of any disability. Most disabilities are invisible, some are easily visible.
So, Even if risk is to be assessed, it will not be simply based on the single factor of disability. It also depends on accessibility of infrastructure, alternatives available to the person to accomplish the same task, government support, health services, the attitude of the person (some might be too adventurous others who simply don't move around much). All of these factors affect the risk involved. It is impossible to calculate it, and saying this or that disability means higher risk of x percentage is over simplification. There is one genuine case, for example if i have a heart problem and need some regular treatment. There is a higher chance of high medical bills and therefore medical claims. So any terms set by an insurer relating to diagnosed disorders and treatments directly as a result of those are probably the only genuine case where greater risk can be adjusted for. 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 Wed, May 22, 2013 at 12:09 PM, George Abraham <geo...@eyeway.org> wrote: > 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:accessindia-boun...@accessindia.org.in] On > Behalf > Of Vedprakash > Sent: 21 May 2013 20:14 > To: accessindia@accessindia.org.in > 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" <amarjain2...@gmail.com> > To: "accessindia" <accessindia@accessindia.org.in> > 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/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_accessin > dia.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..
