[AI] provisions for issuing lic policies for PWDs

Vamshi. G gvamshiai at gmail.com
Sat May 8 22:41:31 EDT 2010

Hi Mukesh,

I've taken a LIC policy without any problems and without any additional premium.
I've clearly mentioned that I'm visually handicapped and submitted my
disability certificate along with the application.

So, there is no provision which debars a blind person from taking a LIC policy.

One of our friends on the list, Mr. Amilesh Kumar, who is working as
an administrative officer in LIC will be able to help us with the
exact details.

G. Vamshi
PH Res : +91 877-2243861
Mobile: +91 9949349497
E-mail ID:
gvamshiai at gmail.com
Skype: gvamshi81

>From darkness unto light

On 5/9/10, mukesh jain <mukesh.jain57 at gmail.com> wrote:
> hello list,
> this time I seek for your valuable opinion on my below mentioned
> query. This is related to LIC policy ffor the persons with
> disabilities.
> In this connection, I would like to know that :
> 1 once I submit my proposal to any LIC agent how much time it takes
> place ffor the LIC to issue the policy to the persons with visual
> impairment?
> 2  what are the procedures for ggrievances and redressals for not
> issuing the policy without giving any reasons?
> 3 do we have to submit our medical report through the prescribed lic
> doctor ffor eye check up? If yes, what are the conditions for getting
> rejected in such medical test?
> I am raising these queries because recently  I have been facing
> certain problems to apply for LIC policy.
> Few days back, I have applied ffor one policy through LIC called
> jeevansaral. I have submitted my all required documents including
> proof of residence, photo identity, disability cerrttifficatte and
> passport size photograph. I have handed over these documents to LIC
> agent and filled up the proposal form for the aforesaid policy. On
> enquiring about medical test, my agent informed me that you need not
> appear for any medical test as you have already submitted your
> certificate of disability. But after few days, my agent asked me to
> come to doctor for medical test. So I have appeared ffor two tests,
> one ffor body check up and another  for eye check up.
> Out of these two tests, doctor taking body check up test immediately
> completed all the required formalities and when my agent took me to
> another doctor for eye check up the doctor refused  to proceed with
> eye check up as they informed that they are not authorized to give the
> recommendations  for lic policies. So we had to run around several
> such opthomologists but all in vain for same reasons. At last, one
> doctor checked my eyes and prepared the eye report but without making
> any signatures or seals.
> My agent informed me  that we need not worry as we will get it  done
> in few days. But when I have not received any replies from my agent I
> have immediately applied for refund  of my proposal amount to lic and
> took back the said amount from lic. While taking the refunds, I got to
> learn from the manager of the lic branch that my agent has not kept up
> to date her targets  hence, you were  not been able to get your policy
> till now and on his recommendations, I applied once again for the same
> policy with other agent. But to my surprise, this ttime too I am not
> able to get proper reply either through agency or my agent. As per my
> agent information, these kind of cases such as, issuing policy to the
> persons with disability especially  to blind persons are of critical
> nature hence, it takes lot of ttime. As per my agency information on
> the other hand, my papers are not yet submitted to branch for putting
> up proposal.
> So I am very confused  about this situations and hence, requesting you
> to kindly advice me in this matter.  I have narrated this incidence in
> detail so as to give clear view and to seek valuable advice from the
> learned members on the list.
> Your kind cooperation in this regard would be highly obliged.
> Thanks,
> --
> Regards,
> Mukesh jain
> Email:
> Mukesh.jain57 at gmail.com
> Skype: mukeshja
> Mob: 09977165123
> "Face your deficiencies and acknowledge them; but do not let them
> master you. Let them teach you patience, sweetness, insight. "
> Helen Keller
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