1. PROPOSAL FOR INSURANCE :

The proposal form should be completed by the Proposer leaving no question unanswered.

The signature of the Proposer on the proposal form must be witnessed by a designated Official of the Local Indian Embassy or other Indian Diplomatic Representative or Medical Examiner after verifying proposer's passport.

If no such Diplomatic Representative is locally available, the proposal must be witnessed either by a Notary Public or by a Justice of Peace, or Medical Examiner after verifying proposer's passport.

In case of students, the Proposal may be witnessed by the Dean/ Principal of his/ her college or Medical Examiner, after verifying proposer's passport. The witness must affix his office seal below his signature.

2. DOCUMENTS REQUIRED:

While getting the Proposal from witnessed, the Proposer should produce his original Passport, together with a photostat copy of the FIRST PAGE thereof before the Witnessing Official and get the copy attested by the Official UNDER HIS OFFICE SEAL or Medical Examiner after verifying proposer's passport.

This attested copy of the first page of the Passport must be submitted along with the Proposal papers.

NOTE :

Any fees payable for witnessing the Proposal and attesting the copy of the first page of the Passport as stated under paras 1 & 2 above are to be borne by the proposer.

3. MEDICAL EXAMINATION :

The life to be assured should approach a qualified doctor for medical examination as per details given below :-

1. Proposal for sum assured of Rs. 50,000/- and below : M.B.B.S. Doctor with five years standing.
2. Proposals over sum assured of Rs. 50,000/- upto Rs.1,00,000/- : M.B.B.S. Doctorwith 10 years standing.
3. Proposals over sum assured of Rs.1,00,000/- upto Rs.2,00,000/- : Post Graduate Doctor with 10 years standing.
4. Proposals over sum assured of Rs.2,00,000/- : Two medical reports - one by a Post-graduate Doctor with 10 years standing.
5. Female lives should be examined only by a lady doctor. If the lady doctor is not available the medical examination can be conducted by a male doctor provided the female proposer has no objection to having full examination including Per Vaginal examination without the aid of a nurse or a midwife.

• After completing the Proposal papers, the proposer should hand over the entire set of forms to the doctor together with his passport.
• The proposer should sign at the bottom of the Proposal Form in the presence of the doctor and the doctor has also to sign in the space provided for at the bottom of the proposal form.
• The doctor will then examine the proposer on behalf of the Corporation and send his/ her report along with the other Proposal papers directly to the Branch Office of the Life Insurance Corporation of India by Air Mail. For this purpose, the proposer should hand over a stamped envelope with the address of the Branch Office to the doctor, so that there would not be any delay in despatch of the papers by the doctor.
• The proposer should collect the Passport from the doctor after the proposal papers are sent by him to the Branch Office .

The amount of Medical Fees payable to the Doctors for medical examination conducted will be as under :-

1. Routine Medical Report Rs.200/- or the fees actually paid to the doctor or at the rate of Rs.4.00 per thousand sum assured, whichever is less.
2. Routine Medical Report plus Special Report The fees actually paid for these reports or at the rate of Rs.4.00 per thousand sum assured, whichever is less .

This amount is payable by the Corporation only when the proposal results into a policy. In the first instance the amount of medical fees is required to be paid by the Proposer after obtaining a receipt from the doctor on his/ her printed form. On the proposer's forwarding such receipt to the Branch Office of the Life Insurance Corporation of India, the amount will be credited towards the premium payable by the Proposer under the proposal.