PROCEDURE TO BE FOLLOWED FOR COMPLETION
OF PROPOSAL FORMS & FOR MEDICAL EXAMINATION BY POSERS
RESIDING IN FOREIGN COUNTRIES
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.
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