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...Underwriting philosophy and approach of offering life insurance coverage to persons with disability pwd people affected hiv aids mental illness diseases in compliance the irdai circular ref no hlt misc cir dated june we hereby lay down our person physical refers a variety medical conditions as listed widely accepted manuals like diagnostic statistical manual disorders dsm or international classification disease icd likewise there are wide range classified under disabilities most common being types pertaining s mobility level intellectual learning psychiatric visual hearing impairments neurological accordance healthcare act ensure fair decision following information will be considered whilst proposal for from applicants practice these illnesses is line practices followed any other customers declare their duly detail they may requested submit report doctor related your tests recent visits details gainful employment ability applicant enter legally valid contract certificate income proof r...