Our Board approved underwriting policy specifies that no discrimination is allowed against applicants with physical disabilities, affected with HIV/AIDS, or mental illness, and that we will take the necessary steps in assessing the risk (consulting medical practitioners or re-insurers in line with the product specific guidelines) to offer the best terms to cover the risk on lives with these disabilities. Recognising the rights of the person suffering of these disabilities, the communication of the medical condition and the underwriting requirements/decision will be done with utmost sensitivity and confidentiality.