Ask an Expert - Your Personal Insurance Advisor

Dear Prasanna,

There is no rule for policy acceptance. You can apply to any plan but whether or not they would accept depends on the risk assessment by the underwriter.

Now, there are many plans which cover pre-existing diseases and the same is covered after a certain waiting period. Most insurers... Read More>>

Dear Fawaz,



If you are talking of Insurance for a Three Wheeler designed especially for the Handicapped, then please understand that it should be rated as a two wheeler with side car.



If a two wheeler is used with a side car attached, 25% discount may be allowed on the Own Damage premium arrived at... Read More>>

A three wheeler designed for operation by physically handicapped persons should be rated as a two wheeler with side car. If a two wheeler is used with a side car attached, 25% discount may be allowed on the Own Damage premium arrived at after addition of premium if any, for electric/electronic items... Read More>>