Why no insurance cover to people born with defects

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The Delhi High Court has asked the Insurance Regulatory and Development Authority (IRDAI) to "explain the reasonableness" of not granting insurance cover to people suffering from congenital anomalies.

"What is the objection to giving insurance cover to them (people suffering from congenital anomalies)," the high court asked the IRDAI to explain before the next hearing on December 17.

"Give the justification for such exclusion," the court said to the insurance regulator.

IRDAI circular of July 29, 2016 denies the Persons with Disabilities (PwD) the right to seek insurance cover for themselves on the ground that their conditions are categorised under the scope of "congenital anomalies".

Congenital anomalies are also known as birth defects caused by single gene defects, chromosomal disorders, multifactorial inheritance, environmental teratogens and micronutrient deficiencies.

Moin Qureshi case and CBI muck

CBI Director Alok Verma and Special Director Rakesh Asthana (Photo credit: Twitter)

The Income Tax officials conducted raided at multiple locations in February 2014 related to meat exporter Moin Qureshi, a Kanpur-based businessman. The CBI registered a case against Moin Qureshi three years later in February 2017. The case was being handled by a Special Investigation Team (SIT) headed by Special Director of CBI Rakesh Asthana, the number two in the agency.  

Moin Qureshi case already had already former CBI Director AP Singh in soup. His BlackBerry Messenger messages with AP Singh finally led to the latter’s resignation as member of the UPSC. His predecessor Ranjit Sinha was also in the soup for his alleged proximity to and friendship with Moin Qureshi. Ranjit Sinha had come under the scanner for having been allegedly found to have paid unofficial visits to Moin Qureshi.

Now, the CBI has lodged an FIR (October 16 or October 17) naming Rakesh Asthana as accused number one in a case of bribery. The case is linked to Moin Qureshi indirectly.

The CBI is investigating a Hyderabad-based businessman Sana Satish’s role in Moin Qureshi case. Rakesh Asthana headed SIT is looking into Sana Satish’s involvement in the case. In a parallel development, Sana Satish lodged a complaint with the CBI against a Dubai-based middleman Manoj Prasad, who was arrested by the agency on October 16 in Delhi.

Sana Satish gave a statement to a CBI magistrate on October 4 claiming that he was being harassed by the CBI officials and forced to pay bribe to get relief in the case and investigation. Sana Satish named Rakesh Asthana, Manoj Prasad and a Somesh Srivastava – relative of Manoj Prasad.

Sana Satish gave details of how he paid a bribe of Rs 3 crore between December 2017 and October 2018 – over 10 months to stay away from the CBI case. Sana Satish turned against the CBI and others after he was allegedly asked to pay more. The latest payment was made by Sana Satish on October 9 of Rs 5 lakh. The money was paid to a conduit in order to stay away from questioning by the CBI and relief from appearing before the SIT.


Meat trader Moin Qureshi
Sana Satish got the promised relief following which Manoj Prasad travelled to Delhi from Dubai. Manoj Prasad had come to Delhi allegedly to collect Rs 1.75 crore (accumulated bribery amount). Another CBI team apprehended Manoj Prasad.

On the basis of questioning of Manoj Prasad, the CBI lodged an FIR against its own number two. The CBI has put telephone intercepts, WhatsApp messages, money trail and a statement under Section 164 as evidence against Rakesh Asthana. Manoj Prasad has reportedly told the CBI that he was accepting bribes on the behalf Moin Qureshi for Rakesh Asthana.


A R&AW official, Special Director Samant Kumar Goel’s name has also been mentioned in the FIR but not as an accused. Samant Kumar Goel is, incidentally, number two in the R&AW. 

Samant Kumar Goel is said to be close to Manoj Prasad and Somesh Srivastava. He had been in regular touch with both Manoj Prasad and Somesh Srivastava. Samant Kumar Goel’s role is under investigation of the CBI. Samant Kumar Goel is also said to be close to Moin Qureshi and believed to have been meeting the latter regularly in Dubai.


The directors of both the agencies – Alok Verma of the CBI and AK Dhasmana of the R&AW have moved files to the PMO seeking action against Rakesh Asthana and Samant Kumar Goel respectively. 

Alok Verma wants Rakesh Asthana suspended while Dhasmana wants Goel relieved from services. Goel looks after West Asia affairs in the R&AW. Goel is a 1984-batch IPS officer of Punjab cadre and holds the rank of additional secretary in the R&AW. Asthana is a 94-batch IPS officer of Gujarat cadre.

The lodging of FIR against Rakesh Asthana came in a curious background of tussle between him and CBI Director Alok Verma. On September 21, the CBI informed the Central Vigilance Commission (CVC) that Rakesh Asthana was being investigated in six cases of corruption. The probe was being done by the CBI in all the six cases including those of accepting bribes from controversial Sandesara Group, and jailed journalist Upendra Rai.

In its letter to the CVC, the CBI had said that Rakesh Asthana had launched a malicious campaign against Alok Verma to malign his image. Previously, Rakesh Asthana had sent a complaint against Alok Verma to the CVC. The CBI termed that complaint as “frivolous”. 

Rakesh Asthana had responded to this CBI letter to the CVC by writing to the Narendra Modi government. Rakesh Asthana complained against Alok Verma saying that he sought to impede his functioning, interfere with investigation and malign his reputation.



Rakesh Asthana had previously probed the fodder scam of Bihar and Jharkhand, the Godhra train burning incident of Gujarat, the 2008 Ahmedabad bombing case and examined Asaram Bapu and his son Narayan Sai.

Sleep, the saviour

Sleep is a helping intervention.

Sleeping is beautiful. No matter how much one wants to keep awake, she would love her sleep. If you are a morning riser, nothing seems more beautiful than catching up a few last fleeing naps. Alarms go on snooze mode as if they act on their own. You don't remember doing anything to alarm many a time. You regret having overslept only when some emotional or financial matter is involved about time on that particular day. 

There are only few people who wake up from slumber to do nothing. Sleep is like charging the ever dying battery of your cellphone. Even if the battery is dying, you wish it lasts till you reach home in the evening. Yet you can't resist the temptation of scanning one or the other app anticipating any SocMed droplets. As you reach home and plug your charger in the socket and connect your phone, you feel having been resuscitated.

Once I heard a few psychologists and psychiatrists saying on Doordarshan that "loss of sleep does induce any chemical change in brain". Also heard in a BBC radio documentary that "sleeping is an acquired character".

Acquired means human beings were originally not meant to sleep. They didn't require to sleep to keep doing what they did - hunt, eat, defecate and procreate. But as they developed a line of thinking that goaded them for doing non-consumptive work, they started hunting more than they required. Food became a little surplus. The feeble bodied - owing to old age or post-infancy-childhood emotional connect - started getting food arranged by more able-bodied persons. This led to the arrival of non-essential leisure.

Animals take rest because they understand their food takes time to get digested and also to store energy for next hunt. Humans developed a different tendency of not-putting in extra hard work that someone else could do. But this could lead to fights among the herd, we now call community. Privilege must have been challenged as those who were going out to hunt and gather food put their lives at risk.

Life has, naturally, been more prized than emotion or finances. Love for one's life is the fundamental cause behind the demand for right to equality. By the generation this fight for equality happened, the humans might have developed skills, tools and art of hunting big with greater ease. This gave them plenty of leisure.

Secondly, humans are one of those species which can't see in the dark. Their eyes are equipped to see only in the light. It is not certain if they ever had the ability to see in the dark. It is largely presumed that during their hunting-gathering phase, they did not have the ability to see in the dark. They had to have forced-leisure at night when the sun lit the other half of the world.

But some of the animals, humans hunted and which must have identified humans as their enemies, had the ability to see in the dark. A number of predators see with their thermal imaging powers. Movement by humans would have made them an easy target. Animals know that life moves. Movement is a sign of life. Moving object is a prey.

Leisure due to excess of food and immobility for the fear of life perhaps induced the attribute of sleep among humans. But the waking gene is still active. You might have gotten out of your slumber feeling very hungry or thirsty. Nature calls are the most frequent reason for coming out of slumber. These wake-ups are physical necessity-induced.

You also get up if someone calls out for you. Or, some rumbling is happening in the surrounding. The waking gene gives power to the brain to identify threat and induce fear in the sleeping person making her come out of slumber and run for life.

It is fear for life that causes a sleeping person wake up even at the slightest of rumblings. If a person is sure of the surrounding sounds - for example sleeping in the room where a power generator is running - she would not get up by its sound. 

A child usually doesn't get up hearing the pressure whistle of the cooker but she would get up if you turn the pages of a newspaper. She is used to that sound of pressure whistle as it reaches her while she stays in the womb but the other sound does not.

Fear, food and defecation wake you up naturally. Rest civilisational wake-ups.

Human brain is considered most productive. It is supposed to be the only living entity that produces and works for producing things that the body can't consume. Brain being brain, it put the act of sleeping to work. Information is key. Brain needs information. Because brain is a problem-solving machine. It is designed to solve problems, seek answers to questions, unravel puzzles.

For all these functions, brain needs information, stored. Power storage of information was difficult or inefficient in purely consumptive phase. It was not required. New problems were slow at coming. But as non-consumptive phase began, volume of problems, situations swelled. 

A better repository of information was required. Brain put its sleep to use. Information was recycled during sleep. Brain became the other kidney. Unnecessary information was filtered out. Necessary ones were stored. This arrangement allowed humans to improve with every single sleep.

Sleeping still improves us. It has now become a bigger necessity than ever. We don't receive information any more. We live in information. Information is drowning us. Information is suffocating us. Information is killing us. Sleep can save us. Sleep should be given a chance. Sleep should not be adulterated. Sleep purification is required for survival of humans and to prevent them from becoming a colony of man-made machines.

What is my religion Your Honour: A letter to CJI that I could not post





Former CJI Dipak Misra with journalists on his last working day at the Supreme Court. (Photo: Prabhakar Mishra)


To

The Chief Justice of India

The Supreme Court, New Delhi

Subject: My Lord, please tell me my religion

Honourable My Lord,

What has reached your desk honourable CJI is a quest with the fundamental hope of finding the answer. I am searching for my religion. Since religion gives identity to an individual in our country, it is absolutely essential for me to know my religion.

The Constitution, though itself secular, recognizes and validates religion, castes and sub-castes. I have been filling up forms from the age of 13 or 14 myself for various purposes – first for registration for pre-board examination, board examination, college admission, pre-medical tests, civil services examinations conducted by UPSC and state commissions, then for jobs and interviews, for PAN, for Aadhaar and now repeating the same for my daughter. In every single form that I have filled in for some meaningful, as considered by the government, purpose, I have been asked to mention my religion.

It was always easy for my siblings, friends and colleagues to fill that column – some of them filling that particular box with pride – I always struggled. My name is Prabhash Kumar Dutta, s/o Sitakant Dutta (not giving further details here w.r.t. address etc).

My name gives away what people usually perceive as my religion. I did not choose my name. It could easily have been Parvez but for an accident we call birth in a particular family. Owing to that accident, I have been told and hence ticking up the boxes in forms that read Hindu or Hinduism. Things were not in so much of conflict always. Conflict began with my failures and grew along. Now, I seek help from the Custodian of the Indian Constitution. I don’t trust the governments because they change every five years, rather people’s will changes every five years. Religion is permanent.

Around the age of 18, when my father struggled to get me enrolled in the voter’s list – it would then provide us the “real identity card” -- I first turned to the Constitution of India. Before that I had been reading cricket books, Bal Krishna stories, tales of Rama, Shiva, Vishnu, Shakti or Durga. I believed Lord Rama, Lord Krishna, Shiva, Vishnu and Durga were all from the same family of religion. But, if someone like my elder brother said “No” to some non-vegetarian food, my mummy would snap back saying, “Tu baishnab chhihi ki? Apan parivaar mein keyo baishnab nai chhai. Tu baishnab nai bha sakati chhihi. Tu maus, maachh aa anda khenai nai chhodi sakati chhihi. (Are you a Vaishnav? No one in our family is a Vaishnav. You can’t be a Vaishnav. You can’t stop eating meat, fish or egg).”

There were loads of devotion among people. As a child, I visited Siwan Gandhi Maidan during Ram Navami celebrations to do circumambulation of a makeshift temple there. Seers from “all over the country” would come and enlighten the masses with their interpretation of dharma, shastra, religious texts and the changing world. In one of those gatherings a seer/saint, perhaps Sant Parashar (I don’t know who he was), explained to people that Sumitra was the wisest politician in the Ramayan age. She had 50 per cent of King Dashratha’s sons but was not destined to be treated as the Queen Mother. She partnered one of her sons with Rama and the other with Bharata as she was well aware that one of them would succeed to the throne after Dashrarath. Lakshamana and Shatrughna stood no chance. With this arrangement, she ensured that one of her sons would enjoy power by proxy and she would be Queen Mother by proxy. The saint explained the situation thus or my elders told me that the saint explained the situation thus. And, he was still considered a saint and an ardent devotee of Lord Rama.

I waited for Mahashivaratri, Janmashtami and also Durga Puja and Diwali. But, when there was a cricket match, I would skip everything else. Cricket manuals were the ultimate gospels for me. But, then that was “not my religion”.

When I read the Constitution for the first time, I did not gather anything. I had heard that Constitution was law. It was legal. It had to be a legal grammar. But what I read was plain grammar and a lot more commonsense. It was a set of dos and (in variance) don’ts. How the Constitution can be so simple and explanatory, I wondered. My failure in understanding the Constitution continued. It still continues. But, what I understood after a few readings – some time in the late 1990s, when I contracted chicken pox for the first time and rendered immobile – was that the Constitution was a brilliant work of a bunch of intellectuals, who decided how the country would be governed and how people were expected to get their dues. Even in the matters of religion.

The Preamble to the Constitution proclaims on the behalf of the nation that the State would be secular.With this began another search, Your Honour, to understand the meaning of “secular”. Hindi version of the Constitution uses word, “Panthanirapeksha”. This was a discovery for me as politicians had told us secular meant Dharmanirpeksha and a former prime minister redefined it as Sarva Dharma Sambhava. Dictionary meaning of the word roughly defined secular assomething not related to religion.

Another sub-search began. What is religion? I tried referring to books, read a few Upanishadas, which I could not understand properly, read Shrimadbhagwatgita, Holy Bible, Holy Quran, Holy Guru Granth Sahib, also tried reading Rigveda, books on Buddhism and Jainism, devotion poetries of Kabir, Tulsidas, Surdas and the like. I did not understand a thing about religion. I knew nothing of it.

What I understood was that a religion was an institution. It was founded by someone. The founders set rules – usually very strict and any deviation was met with punishment, which could extend to death. All founders spoke on the behalf of God – usually calling them by a different name, and these names stood in conflict with one another so that if these founders were to be correct, there must be different gods running different religions. Another thing I understood was that a religion was meant to be campaigned for, to propagate and convert people into. Religions originating in India, I found, were generally weak in propagation with the excellent exceptions of Buddhism and Jainism.

Meanwhile, a lesser known Professor of Hindi in Patna, Javed Akhtar Khan told me during an interaction (in 1999) that neither Dharmanirpeksha nor Sarva Dharma Sambhava could be the correct explanation of the word, secular. He told me that “Ihalaukik” could be the correct Hindi word for secular. Ihalaukik means relating to this world. Religion essentially deals with the realm of the other world. I believe this is the closest definition of secular I have come across so far.

I was among the lot who did not establish a religion, did not set rules for others, and did not follow the rules set by religions. I failed to identify my religion as the word that I had been filling in the box for religion in forms did not meet the criteria. I don’t know who established Hindu religion or Hinduism. I don’t know who set rules on behalf of which god. And, who propagated it. And, also if Vaishnavas were not like Shaktas or Shaivas as my family would tell me, why they were all clubbed as one religion giving impression that Hindus (I don’t want to use this word but I don’t know which word should be used in its stead) are the majority in India? What is my religion then? Is the birth (I don’t want to go into what circumstances may lead to this) sole criterion to judge my religion?

This is the question I need to know the answer to today. The government has never told me or issued a certificate to me classifying my religion. I am not convinced with my own answer I gave for every census record. This becomes all the more pertinent to know because I hear some cleric (I think, a cleric is the person who has some supernatural abilities to comprehend the Will of God) today saying “The courts and Parliament don’t have the right to form any law that goes against Islamic Law.” Another one was saying, “Right or wrong, we will always go by the Shariat, and not any court order. The Shariat is above all courts,” while yet another person declared, “No court is above our law.” (Indian Express dated August 22, 2017 – the day after the triple talaq judgment of the Supreme Court). Also, there are people who declare that irrespective of what judiciary adjudicates, mandir wahin banayenge (we will build temple there only).

If someone else’s law can be above the law of the land, the Constitution, the judiciary or Parliament established by the Constitution, I need to know, do I fall under the jurisdiction of that person or some other person’s law? Which law is governing me? What is my religion which could be above the laws defined by you, My Lord, sitting in the highest court of law in the country?

I do not have hope from the government, as I have already clarified, and I don’t know what my institutional religion is. My Lord, I don’t expect a convenient answer from you. That is already filled in numerous boxes in the forms I have submitted to various institutions, government or private. I have serious objection to using a geographical term to define a religion.

My Lord must have perused that Hindu is a corrupt version of the word Sindhu – name of a river, which flows but for only a small distance in India on its journey to the sea. Some stupid (pardon my language My Lord) people could not pronounce the word correctly and called it Hindu. Some other nincompoops (pardon me again My Lord) could not pronounce H in Hindu and made it up by adding a suffix to it to make it Indus and called the people living around and across the river as Indian. But, for some unexplained reasons, the second stream of imbeciles (pardon me one more time) too used their predecessors’ term for defining the religious practices of a composite people, who – we are told now – believed that religion was personal. But, that is now an archaic concept.

The institutional religion is a modern concept. Otherwise the Constitution would not have guaranteed its practice and propagation, and one of the learned judges on the Constitution Bench in the triple talaq case would not have underlined Freedom of Religion as an absolute fundamental right under a secular Constitution. As a citizen of the country, I need to know my religion to enjoy my absolute Right to Freedom of Religion. I find no better institution to seek the answer from than the Supreme Court whose motto is यतो धर्मस्ततो जयः (Yato Dharmastato Jayah).

So, will My Lord be kind enough to tell me what is my religion under the Constitution of India and also, is my “would be” religion be above all other laws? After all, right to equality – equality before law and equal protection of law – is absolute under the Constitution, the supreme tenet of the country. And, My Lord, you are heading the institution that is the custodian of the Constitution.

With eternal (because we, Indians take long, really long to settle our matters of adjudication) hope, I will be waiting for your decision and judgment on my (and millions others’) religion,

Prabhash K Dutta (Deleted my phone and Aadhaar numbers mentioned in the original letter.)

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