This is in continuation to my earlier post on the discriminaton in Postal Life Insurance to the disabled wherein Hon'ble High Court of Delhi directed the Govt. to explain their stand. There have been some development on 07 October 2009 which are detailed below. I appreciate Ms. Sangeeta Sharma for covering this in her article for UNI and published in Indlaw.news.
Subhash Chandra Vashishth, Advocate
Click here to read from Source: INDLAW
Govt seeks 6 weeks time to amend insurance rules for disabled
07th October 2009
The Centre today sought more time to amend its insurance rules for disabled to bring them at par with the insurance rules of others.The lawyer appearing on behalf of Solicitor General (SG) Gopal Subramanium told the bench, comprising Chief Justice A P Shah and Justice S Murlidhar, that the Government has had talks with the Chairman of Life Insurance Corporation and some changes have been made in the policy which governs the Insurance of the disabled.
The LIC will consult the Actuaries, ‘who will also consider the amendments and get back to us, therefore, we need at least six weeks time to make such amendments,’ the lawyer said. The Delhi High Court had earlier directed the Centre to reconsider its postal insurance rules and to treat the persons with disability at par with other people. Appearing on behalf of the government, Solicitor General (SG) Gopal Subramanium assured the court that the government will take broad base consultation with experts and also take advice from the insurance regulator and draft a fresh policy, which will have no disparity for the disabled.
The Court had directed the ASG to consider the rules again and draft a policy in a manner that it should not be discriminatory and must consider the distinction between various types of disability as well as mortality factor caused by it.
‘Moreover, life expectancy and other factors should also be taken into account,’ Justice Shah said. A petition was filed by one Vikas Gupta, an Assistant Professor in Department of History, Delhi University, who is visually impaired. In his petition he said, ‘Rules of the postal insurance for government employees is discriminatory as it gives a cover of Rs 5 lakh to a normal person, but a handicap has to pay much more premium and gets an insurance cover of Rs one lakh only.’
The lawyer for the petitioner Mr Pankaj Sinha, also a visually impaired, and lawyer Ms Roma Bhagat told the court that Article 25 E of United Nations Convention On the Rights for Persons with Disability (UNCRPD) prohibit discrimination in the insurance policy.
Ms. Bhagat told the court that their research has shown that those who are hearing impaired, visually impaired or orthopedically impaired are less prone to accidents as they have less mobility and are more cautious. She told the court that there is no data available in India to show the cause of death as the death certificate des not mention it. Also, there is no data to suggest that disabled are more prone to accidents, so why they have to pay more to get a less insurance cover, Ms Bhagat said.