Subramani L lsubramani at deccanherald.co.in
Mon Feb 25 00:09:45 EST 2008

I haven't faced the situation where LIC had denied insurance policy to
me, but keep hearing from other folks that policies have been denied on
the grounds of disability. Ironically, one of them who told me about
this happens to be a bank manager. 


-----Original Message-----
From: accessindia-bounces at accessindia.org.in
[mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Ketan
Sent: Saturday, February 23, 2008 12:01 AM
To: accessindia at accessindia.org.in
Subject: [AI] LIC

Dear friends, 

A few months ago there was a meeting convened in Mumbai wherein it was
mentioned that some of the LIC policies are not allowed for blind
friends.  On behalf of NAB Mr. K. Ramkrishna, Mr. Pravin Dandia, Mr.
Suhas Karnik and I met Mr Agarwal, the Executive Director, Actural
Department, LIC and presented him with our concerns.  Following is the
correspondence which is selfexplanatory.  I am extremely sorry for not
posting it earlier.




May 18, 2007



Mr. G.N. Agarwal,

Executive Director(Actuarial)

Life Insurance Corporation of India

Yogekshema, Jeevan Bima Marg,

Nariman Point

MUMBAI 400 021.


Sub: Our meeting dated 13/03/2007


Dear Shri. Agarwal,


It was indeed nice meeting you on the 13th of March'07, we were quite
touched by your special interest and kind consideration towards the


In the said meeting we had discussed  a few issues regarding the
policies of L.I.C. towards its blind clients.  Enclosed please find copy
of the note which we had presented to you on that day.  May I  request
you to kindly look into the matters raised therein and reply us suitably
to allay our apprehensions in this regard.


Looking forward to your communication,



Yours in the cause of the blind,





Asstt. Director







March 13, 2007


Mr. G.N. Agarwal,

Executive Director(Acturial)

Life Insurance Corporation of India





At the outset let me thank you on behalf of the National Association for
the Blind-India, for promptly granting us an appointment to discuss
certain issues pertaining to the blind community.


We would like to draw your kind attention to the following points


  1.. In endowment and other schemes of LIC, blind people are charged
extra premium. We concede the fact that the amount of premium is
determined by the perceived risk.  However, it is our humble opinion
that there is no statistical data to support this "high risk "
2.     Some of the Policies like "Jeevan Anand" "Jeevan Mitra" Jeevan
Chhaya" etc. offer double and triple accident benefits/life cover which
is not allowed to the blind.

  3.. Some of your excellent policies like the "Janashri" for un
organized labour are also not available to the blind, although the
majority of our blind community is engaged in un organized sector.

We would request LIC, to kindly take a more equitable view of the
requirement of this community and allow us the maximum benefits that may
accrue from Insurance.


Looking forward to your kind co-operation


Yours in the cause of the blind,



Hon. Secretary



(Mono LIC)                             Life Insurance Corporation of


Actuarial Department, Central Office, "YOGAKSHEMA", Jeevan Bima Marg,
Mumbai 400 021.

Tel: 022-66598370/22852174, Fax: 022-22028321 

Ref. Actuarial/PS
14th July, 2007 

Shri Ketan Kothari

Asstt. Director

National Association for the Blind

Mulla House

51, Mahatma Gandhi Road

MUMBAI 400 023. 

Dear Sir, 

Re : Insurance cover to blind persons 

We thank you for your letter dated 18th May 2007 enclosing a copy of
your earlier letter dated 13th March, 2007. 

Regarding the points raised in your enclosed letter we have to inform
you as under: 

1.                  It is not correct that we do not allow some of our
plans such as Jeevan Anand, Jeevan Mitra, Jeevan Chhaya etc. to the
blind persons. 
We do not have any restriction with regard to plan and term for the
insurance cover.  The only requirement is that the person to be insured
should be gainfully
employed which is one of our basic requirement for all whether they are
disabled or not disabled.

2.                  It is also incorrect that Janashree Bima Yojana is
not available to the blind persons.  It is a social security group
insurance scheme
and provides insurance protection to persons below poverty line and
marginally above poverty line provided they are members of the approved

3.                  It is also not correct that we charge extra premium
while offering insurance cover to the blind persons. 

We hope the above clarification will serve the purpose.  If you have any
further points, please write to us. 

Thanking you again, 

Yours faithfully,



Ketan Kothari
Phone: [r] 24223281, 
Cell: 9987550614
MSN ID: muktaketan at hotmail.com
Skype ID: Ketan3333
To unsubscribe send a message to accessindia-request at 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

More information about the AccessIndia mailing list