Hi I have a differently abled sister for whom I need to take a separate health insurance and Cancer protection Insurance because I cannot include her in my work group insurance where it allows my wife, kid and parents only. Though Government is allowing some amount of exemption in Income Tax, the actual tax rebate is going to be Max. Rs.22,500 ( if you are in 30% tax bracket ) and even GST is very high on health policies. Due to all these factors I am spending a lot for her insurance and most of the people are not taking insurance for differently abled people.
Hence, I request IRDA should allow atleast speacially abled sibilings to be part of family insurance so that this act will secure health insurance for differently abled community and also will reduce burden on the families who have a family member like this.
I request IRDA to consider this.