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UNDERWRITING aspects of JEEVAN RAKSHAK

Jeevan Rakshak is allowed only to STANDARD lives under Non-Medical scheme, means all ages
starting from 8 yrs to 55 yrs at NB stage.
The amount of SA will depend on the nature of Age proof produced by LA.
For Standard age proof & NSAP-I
Maximum SA allowed upto age 55 yrs =>
2 Lacs (max limit)
WHEREAS
For NSAP-II & III with AGE EXTRA
(I) upto 35 yrs =>
2 Lacs & 2 Lacs
(ii) 36 to 45 yrs =>
2 Lacs & 1.50 Lacs
(iii) 46 to 55 yrs =>
1.25 Lacs & 1.25 Lacs
No clubbing of SUC of medical or non-medical policy previously taken by LA will be entertained,
however Financial underwriting will come into force.
Matching insurance of Parents/Husband is NOT insisted for Minor/Major Students Or Female life
( FC-III housewife)
This plan is not to be allowed to Widows & Single Women if they DON'T have their
"INCOME"
Single Lady (FC-III) can take this plan upto age 55 yrs without medical.
Widows with strictly previous underwriting rules can also be given.
This plan is NOT allowed to Pregnant ladies FC-I, II or III.
NRIs are allowed for Group V, VI, VII only.
Foreign National of Indian origin are NOT Allowed.
Mail Order Business is NOT allowed.
This plan is NOT allowed if LA's previous proposal/policy is POSTPONED, DECLINED or
ACCEPTED with HEALTH EXTRA.

Since this is Non Medical plan decision of policy will be taken ONLY at BRANCH LEVEL.
Revival of policy will be done only SUC Standalone BUT MEDICAL or SPECIAL REPORTS can be
called, depends on HEALTH DECLARATION.