Specimen only- t valid for application (APPLICABLE FOR ULIP POLICY) ;wfuv ÇyDM Iyku esa] fuos'k iksvzqksfy;ks esa fuos'k dk tksf[ke ikfylh /kkjd }kjk ogu fd;k tkrk gs ¼;wfyi ikfylh ds fy, ykxw ½ त व la[;k Advisor Advisor dsoy dk;kzy;hu iz;ksx gsrq Ver 3.8 xzkgd vkbzmh ikfylh la[;k orzeku xzkgd ds fy, csad,';ksjsal psuy ds fy, dsoy lköksnkj csad csad 'kk[kk dksm सल हक र dk uke xzkgd [kam,lih izek.k&i= la- सल हक र क स य lsdvj 'kgjh xzkeh.k lkekftd,uvkbz mrikn dk uke xkao dk fof'k"v dksm jkf'k psd @ MhMh la[;k izlrko QkeZ व जम करन क र olwy fd;k x;k okmpj la[;k LVkQ,p,uvkbZ (Applicable For Ulip Policy) In accordance with Section 45 of the Insurance Act 1938, as amended from time to time, the proposer is required to give full and accurate information to enable the Company underwrite this proposal. ट प णय :- त वक क प लस क ववरण स स त ट ह न च हए और उस प लस क मख वशष त ओ क ववर णक म पर वशष य न द न च हए पण कए गए त व क क पन व र त तथ आर भक भगत न स,क पन क ओर स ब म कर न क क ई ज खम क ज़ म द र नह बनत ह,तथ क पन तब तक ज म द र नह ह ग जब तक इसन ज खम क ब म न कर कय ह तथ प लस ज र न कर द ह ;wfuvsa ml fnu vkcafvr dh tk, xh ftl fnu izlrko iwjs dj fy, tkrs gsa vksj izhfe;e ds izfr vkosnu jkf'k dk lek;kstu djrs gq, ikfylh esa ifj.kkfer gksrk gs ¼;wfyi ikfylh ds fy, ykxw½ इस त व क स थ आर म भक र श अव य ह न च हए और इस कस भ श ख म नकद अथव अ वव ल इफ इ य रस अक उ ट प ज़ल न बर... क द य च क अथव डम ड ट अथव क पन व र व कत अ य तर क स जम कय ज सकत ह नकद र श जम कए ज न क थ त म, ल ट ई ज न व ल र श (य द क ई ह ) क भगत न च क व र ह कय ज एग chek vf/kfu;e] 1938] le; ij ;Fkk la'kksf/kr] dh /kkjk 45 ds vuqlkj] izlrkodrkz dks iwjh vksj lvhd tkudkjh nsuk vko';d gs rkfd daiuh bl izlrko ij gkehnkjh ns lds A आय क म ण अ नव य ह izlrko QkeZ esa ;fn dksbz lq/kkj@mifjys[k@l;kgh cnyko fd;k x;k gs] rks,slh txg ij izfrglrk{kj djsa A lykgdkj daiuh ds fy, vk'kf;r udn@/kkjd psd dks izkir djus ds fy, izkf/k r gsa A ;fn ikfylh ds tkjh djus ls igys gh izlrkodrkz izlrko dks okil ysrs gsa] rks daiuh izlrkodrkz dh fpfdrlk tk p] ;fn ykxw gks] ij mixr O;; dh dvksrh djus ds ckn mls vkosnu jkf'k okil dj nsxh A ;fn dksbz fo'ks"k Hkkx vkids fy, ykxw gksrk gs rks i;k "ykxw " ;k "_" fy[ksa vksj izlrko QkeZ iwjk Hkjsa A vohok lr;kiu ds mìs'; ls vkils laidz djsxh tks vkids laidz C;kSjs dh tk p djus dk vk/kkj gksxk A,u,oh ØsfMV dh rkjh[k@gkehnkjh dh rkjh[k@lr;kiu dh rkjh[k] buesa ls tks Hkh ckn esa gks] gksxk A vuqykhk fun'kzu bl vkosnu dk vfhkuuk Hkkx gs A ikfylh/kkjd dks bl ij glrk{kj djuk vko';d gs A jkbmj vfuok;z gsa vksj vfrfjä ykxr ij miyc/k gsaa igyk thou] ftldk chek fd;k tkuk gs] ds fooj.k ( i;k dsoy Li"V v{kjksa esa Hkjsa) iwjk uke : ikfylh ds izek.k&i= ij vkidk uke bl rjg fn[ksxk A uke ds izr;sd Hkkx ds chp txg NksM+saA 'kh"kzd : Jh@Jherh@lqJh@MkWigyk uke Q+ksVks yxk, 'kh"kzd : lqjh@mkw- (;fn fookfgr efgyk dk thou chek djuk gks) f dk uke 'kh"kzd : Jh@MkW- tue frffk frffk ekg o"kz Çyx iq#"k efgyk osokfgd flfkfr vfookfgr fo/kok ¼fo/kqj½ fookfgr rykd'kqnk cppksa dh la[;k 3 ls vf/kd jk"vªh;rk& Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä jk"vªh;rk crk,
vkoklh; flfkfr Hkkjr esa jgus okys Hkkjr esa jgus okys fuokl dk ns'k crk, i=kpkj dk vkokl LFkkbZ dk;kzy; orzeku vkoklh; ( i;k irs ds izr;sd Hkkx ds chp txg NksM+sa½ (t t+:jh gks] o ekqzr] lqiq=@ lqiq=h@iruh@ifr@f n'kkz, ½ 'kgj / xkao tyka jkt;,lvhmh dksm uacj ;fn vki Hkkjrh; gsa ;k Hkkjrh; ewy ds gsa ysfdu Hkkjr esa jgrs gsa] rks i;k,uvkjvkbz iz'ukoyh Hkjsa A LFkkbZ ;fn orzeku vkoklh; irs ls vyx gks rks (t t+:jh gks] o ekqzr] lqiq=@ lqiq=h@iruh@ifr@f n'kkz, ½ 'kgj / xkao tyka jkt;,lvhmh dksm uacj 'ksf{kd ;ksx;rk is'kk LukrdksŸkj Lukrd fmiyksek 12oha mÿkh.kz 12oha ls de vu; ¼mYys[k djsa½ osruhkksxh O;olk; ds Lokeh Lo&fu;ksftr fo kfkhz x`fg.kh lsokfuo`ÿk @ isa'kuhkksxh fdlku vu; ¼mYys[k djsa½ Duration of Course ;fn fo kfkhz gsa orzeku esa v/;;ujr ikb~ køe ------------------------------------------------------------ (b) lalfkku dk uke (C) ikb~ køe dh vof/k chek fd, tkus okys O;fä ds dk;z fooj.k dk;z dh Bhd&Bhd iz fr ooj.k nsa tsls [kk kuuk@dim+s dk O;kikj] VSDlh pykuk@mk;e.m fu;kzr dk dkjksckj vkfn vkidk inuke D;k vkids dke esa dksbz fo'ks"k tksf[ke gs ¼tSls jklk;fud dkj[kkuk] [kku] folqksvd] la{kkjd jlk;u vkfn½ ;fn ] rks i;k C;kSjk crk, laxbu @ O;olk; dk uke 'kgj / xkao tyka jkt;,lvhmh dksm uacj chekjf{kr O;fä dh okæ"kd vk; #- & ;fn dekrs gsa rks jksxh@iruh ;k ifr dh okæ"kd vk; #- & bzesy vkbzmh vk;q dk izek.k Ldwy@dkWyst dk izek.k i= uxj ikfydk ds vfhkys[k j{kk igpku i= ikj i= vu; ¼mYys[k djsa½ vk; dj ih,,u la[;k
chekjf{kr nwljs O;fä ds fooj.k] ;fn ykxw gksa (कपय क वल प ट अ र म भर) iwjk uke : ikfylh ds izek.k&i= ij vkidk uke bl rjg fn[ksxk A uke ds izr;sd Hkkx ds chp txg NksM+saA 'kh"kzd Jh@Jherh@lqJh@MkW- 'kh"kzd Jh@Jherh@lqJh@MkW- (;fn fookfgr efgyk dk thou chek djuk gks½ f dk uke 'kh"kzd Jh@Jherh@lqJh@MkW- tue frffk frffk ekg o"kz Çyx iq#"k efgyk osokfgd flfkfr vfookfgr fo/kok ¼fo/kqj½ fookfgr rykd'kqnk cppksa dh la[;k 3 ls vf/kd jk"vªh;rk Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä jk"vªh;rk crk, 2.9 vkoklh; flfkfr Hkkjr esa jgus okys Hkkjr esa jgus okys fuokl dk ns'k crk, 'ksf{kd ;ksx;rk is'kk LukrdksŸkj Lukrd fmiyksek 12oha mÿkh.kz 12oha ls de vu; ¼mYys[k djsa½ osruhkksxh O;olk; ds Lokeh Lo&fu;ksftr fo kfkhz x`fg.kh lsokfuo`ÿk @ isa'kuhkksxh fdlku vu; ¼mYys[k djsa½ Duration of Course ;fn fo kfkhz gsa orzeku esa v/;;ujr ikb~ køe ------------------------------------------------------------ (b) lalfkku dk uke (C) ikb~ køe dh vof/k chek fd, tkus okys O;fä ds dk;z fooj.k dk;z dh Bhd&Bhd iz fr vkidk inuke D;k vkids dke esa dksbz fo'ks"k tksf[ke gs ¼tSls jklk;fud dkj[kkuk] [kku] folqksvd] la{kkjd jlk;u vkfn½ ;fn ] rks i;k C;kSjk crk, laxbu @ O;olk; dk uke 'kgj ftyka jkt;,lvhmh dksm Phone. chekjf{kr O;fä dh okæ"kd vk; #- ;fn dekrs gsa rks jksxh@iruh ;k ifr dh okæ"kd vk; #- bzesy vkbzmh vk;q dk izek.k Ldwy@dkWyst dk izek.k i= Ldwy@dkWyst dk izek.k i= j{kk igpku i= ikj i= vu; ¼mYys[k djsa½
izlrkodrkz ds fooj.k (;fn chekjf{kr O;fä ls vyx gks½ flfkfr O;fä,p;w,Q lköksnkjh dkikszjsv U;kl ljdkjh fudk; izlrkodrkz dk iwjk uke 'kh"kzd Jh@Jherh@lqJh@MkW- Q+ksVks yxk, 'kh"kzd Jh@Jherh@lqJh@MkW- f dk uke frffk tue frffk ekg o"kz Çyx iq#"k efgyk osokfgd flfkfr vfookfgr fo/kok ¼fo/kqj½ fookfgr rykd'kqnk cppksa dh la[;k 3 ls vf/kd jk"vªh;rk& Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä jk"vªh;rk crk, vkoklh; flfkfr Hkkjr esa jgus okys Hkkjr esa jgus okys fuokl dk ns'k crk, izlrkodrkz dk ikfylh ds izek.k&i= ij vkidk uke bl rjg fn[ksxk A uke ds izr;sd Hkkx ds chp txg NksM+saA 'kgj ftyka jkt;,lvhmh dksm uacj bzesy vkbzmh izlrkodrkz ds fooj.k dqy okæ"kd izhfe;e ¼ #- vadksa esa½ izlrkodrkz ds dk;z laca/kh fooj.k dk;z dh Bhd&Bhd iz fr vkidk inuke D;k vkids uke dksbz chek ikfylh gs D;k vkids dke esa dksbz fo'ks"k tksf[ke gs ¼tSls jklk;fud dkj[kkuk] [kku] folqksvd] la{kkjd jlk;u vkfn½ ;fn ] rks i;k C;kSjk crk, laxbu @ O;olk; dk uke 'kgj ftyka jkt;,lvhmh dksm uacj okæ"kd vk; #- bzesy vkbzmh ;fn vki Hkkjrh; gsa ;k Hkkjrh; ewy ds gsa ysfdu Hkkjr esa jgrs gsa] rks i;k,uvkjvkbz iz'ukoyh Hkjsa A
vk;q dk izek.k Ldwy@dkWyst dk izek.k i= uxj ikfydk ds vfhkys[k j{kk igpku i= ikj i= vu; ¼mYys[k djsa½ vk; dj ih,,u la[;k D;k vki fdlh nwljs O;fä dh thou chek ikfylh ds izhfe;e dk Hkqxrku dj jgs gsa? ;fn ] rks dqy okæ"kd izhfe;e ukekadu dk C;kSjk (;fn chekjf{kr O;fä vksj izlrkodrkz,d gks rks Hkjsa½ ukferh dk uke igyk ukferh nwljk ukferh rhljk ukferh (chek vf/kfu;e 1938 dh /kkjk 39 ds rgr½ ब म र त स स ब ध gdnkfjrk dk izfr'kr tue frffk frffk ekg o"kz frffk ekg o"kz qwri^ îôæéå ÃÅñ ;fn mi;qzä ukferh vkids ekrk f@iruh ;k ifr@cppksa ds vykok dksbz vu; O;fä gs] rks uhps nh xbz txg esa,sls ukekadu dk dkj.k crk, & ¼;fn ukferh vo;ld gs] rks fu;qä O;fä ds C;kSjs uhps nsa½ (o;ld gksuk vko';d½ tue frffk frffk ekg o"kz fu;qä O;fä ds glrk{kj uksv & la;qä O;fä;ksa ds ekeys esa] ;g ukekadu chekjf{kr nksuksa O;fä;ksa dh,d lkfk e`r;q gksus ;k vafre thfor chekjf{kr O;fä dh e`r;q gksus ij izpkfyr gksxk vkosnu fd, x, Iyku ds fooj.k Iyku dk uke Iyku dh vof/k] o"kks± esa ¼;fn ykxw gks½ fodyi pqusa ¼;fn ykxw gks½ fodyi d fodyi [k fodyi x izhfe;e Hkqxrku djus dh vof/k] o"kks± esa ¼;fn ykxw gks½ oxz pqusa ¼;fn ykxw gks½ /kweziku djrs gsa /kweziku djrs okæ"kd izhfe;e #- esa ¼;fn ykxw gks½ doj dk Lrj ¼;fn ykxw gks½ U;wure vf/kdre xzkgd funszf'kr ¼vadksa esa½ chek jf{kr jkf'k ¼;fn ykxw gks½ pquk x;k jkbmj jkbmj chek jf{kr jkf'k jkbmj chek jf{kr jkf'k vohok nq?kzvuktu; e`r;q vksj vaxpnsnu vohok nq?kzvuktu; e`r;q fgrykhk vohok Hk;kud chekjh vohok O;kid LokLF; fgrykhk vohok VeZ@VeZ Iyl jkbmj vk;@ifjokj dh vk; fgrykhk jkbmj vohok gsyfk xkmz jkbmj vohok cky f'k{kk jkbmj
izhfe;e dh vko`fÿk okæ"kd v/kzokæ"kd frekgh ekfld,d izhfe;e vko`fÿk ds vuqlkj izhfe;e ¼#- esa½ lwphdj.k fodyi ¼;fn ykxw gks½ Lopkfyr ifjlaifÿk vkcavu*¼;fn ykxw gks½ ;fn vki Lopkfyr ifjlaifÿk vkcavu Iyku pqurs gsa] rks vkidks vius izhfe;e dks mi;qä QaM ds chp gh vkcafvr djuk gksxk QaM ds izdkj ¼;fn ykxw gks½ csysalm QaM & II,UgSalj QaM & II izksvsdvj QaM & II ckam QaM & II xzksfk QaM & II buýklvªdpj QaM bamsdl QaM & II ih,l;w QaM Dynamic P/E Fund Mk;ufed ih@bz QaM i;k izr;sd ;wfuv ÇyDM QaM esa vki ftruk fuos'k djuk pkgrs gsa] mlds izhfe;e dk izfr'kr crk, ¼dqy 100% gksuk pkfg,½ A izr;sd p;fur QaM esa U;wure vkcavu 10% gksuk pkfg, A fllvesfvd VªkalQj Iyku ¼;fn ykxw gks½ ;fn lkirkfgd ekfld Hkqxrku dk ojh; ek/;e MsfcV@ØsfMV dkmz izlrkodrkz ds uke ij gksus pkfg, च क नकद डम ड ड Mk;jsDV MsfcV ØsfMV dkmz bzlh,l bzmhlh D;k vkids uke ij csad [kkrk gs ;fn ] rks csad ds fooj.k nsa (Mk;jsDV MsfcV@ØsfMV dkmz@bzlh,l ds ekeys esa vfuok;z½ csad [kkrk la[;k ØsfMV dkmz la[;k csad dk uke [kkrs dk izdkj Cpr [kkrk Pkkyw [kkrk,uvkjvks @,uvkjbz 'kk[kk dk dsoy ikjaifjd mriknksa ds fy, D;k vki ikfylh dh rkjh[k ihns djuk pkgrs gsa ;fn ] rks 'kq# djus dh rkjh[k (pkyw foÿkh; o"kz esa½ frffk ekg o"kz advisor Mk;jsDV MsfcV @ bzlh,l ek/;e ds lkfk ekfld vko`fÿk miyc/k gs lwphdj.k ls ifjidork ewy; dh Ø; 'kfä ;k e`r;q fgrykhk lqjf{kr jgrk gs rkfd vkidh cpr esa ikfylh dh iwjh vof/k ds nksjku vpnh jkf'k tek jgs A vki LokLF; laca/kh dksbz izek.k fn, fcuk] Fkksd ewy; lwpdkad esa c<+ksÿkjh ds vuqlkj] eqnzklqhfr lek;kstu }kjk fu;fer izhfe;e] chfer jkf'k vksj jkbmj fgrykhkksa dks c<+k Hkh ldrs gsa A izlrkodrkz ;k muds izfrfuf/k }kjk udn jkf'k dsoy vohok ds 'kk[kk dk;kzy; esa tek djkbz tk ldrh gs A udn jlhn dsoy vohok 'kk[kk dk;kzy; esa nh tk,xh A i;k vius lykgdkj ls iwnsa fd ;s lqfo/kk, miyc/k gsa ;k A ;fn gsa] rks Mk;jsDV MsfcV vuqns'k] lacaf/kr pktz iphz ;k bzlh,l QkeZ] tslk ykxw gks] laca/kh vksipkfjdrk, iwjh djsaa bzlh,l ds ekeys esa] izkjafhkd Hkqxrku psd ;k udn djuk gksxk A fllvesfvd VªkalQj Iyku ¼,lVhih½ dsoy p;fur izkwmdv esa miyc/k gs A vius p;fur izkwmdv ;k vf/kd tkudkjh ds fy, dh Qhpj MkD;wesaV ns[ksa A,lVhih dk fodyi ysus ij vkidks ikfylh dh tkudkjh vksj ysunsu djus dh ykwfxu vkbzmh vksj mldk iklomz fn;k tk,xk rkfd vki osclkbv ij viuh ikfylh dk,dkmav ns[k ldsa A chekj{kk fd, tkus okys O;fä dk ifjokj vksj futh fooj.k futh fooj.k maph otu yackbz ¼lsa-eh- esa½ ot+u ¼fd-xzk- esa½ D;k finys 1 o"kz esa vkidh ot+u esa 5 fd-xzk- ls vf/kd dk ifjorzu gqvk gs ugh ugh?kvk c<+k?kvk c<+k mldk dkj.k LokLF;,oa dk;zdyki Hkkx ;fn iz'u d, [k, x (II) vksj?k ¼ii), ³] p] N ¼iii) ds fy, vkidk mÿkj gs] rks uhps fn, x, Vscy esa vfrfjä tkudkjh iznku djsa A uhps nh xbz tkudkjh ls gesa vkids izlrko ij fcuk fdlh nsjh ds vfrfjä iz'u iwnus esa lqfo/kk gksxh A
First Life Second Life A. Are you currently receiving any medical treatment or are you awaiting medical or surgical consultation, test or investigation? (You need not disclose matters relating to uncomplicated pregnancy, common colds, influenza, hay-fever or any minor ailment requiring a single consultation) Yes Yes ki qusin mojudw koei fwktri ielwj ly rhy ho jw ki qusin fwktri jw srjikl slwh, jw pvqwl dw iemqzwr kr rhy ho? quhwnum sdwrn grbkwl, Awm zukwm, nzlw, prwg-bukwr jw isr& slwh-msvry vwly Coty-moty rog smbmdi mwmly dw Kulwsw krn di lov nhin hy[ B. Have you ever had any medical or surgical treatment, including investigations, tests, scans or X-Ray for any of the following illnesses or medical conditions: ki qusin kdi vi hyt ilki ibmwri jw fwktri hwlwq lei pvqwl, jwc, skyn jw AYks-ry sihq fwktri jw srjikl ielwj ilaw hy: Yes Yes i. ii. iii. iv. v. vi. vii. High blood pressure, angina, heart attack, stroke or any other disorder of heart or circulation? au~c rkq dbwa, gly dy rog, idl dw dorw, dorw jw idl di koei vi AivvsQw jw dorw? Any form of cancer, tumor or growth? kynsr, rsoli jw vwdy di koei vi iksm? Disorder of skin or lymph glands? cmvi di gvbvi jw lsikw glynf? Diabetes, kidney or liver problem? mdumyh, gurdy jw ijgr di koei vi sm`isaw? Colitis or any other stomach, bowel or bladder problem? kulmj jw pyt, pkwnw jw blyfr di koei vi sm`isaw? Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Multiple sclerosis, epilepsy, tremor, numbness, double vision or giddiness? Yes Yes bhu-sklyrias, imrgi, kwbw, sumnqw, do-p`ki idrsti jw Gbrwht hoxi Mental or nervous illness (including depression) lasting for more than 3 months and/or requiring more Yes than 10 consecutive days off work? 3 mhiinaw qon izawdw Aqy/jW kmm dy 10 islislyvwr idnw qon izawdw mwnisk jw nwvi-prbmdn di ibmwri (audwsin sihq) Yes viii. Asthma, bronchitis, pneumonia, TB or any other respiratory or lung disorder? swh, sozs, inmuniaw, ti.bi. jw swh di koei hor ibmwri jw PyPiVAW di gvbvi Yes Yes ix. x. xi. xii. xiii. xiv. xv. xvi. Ulcer, chronic diarrhoea, hepatitis or jaundice? PoVw, dwiemi dsq, hypytweits jw piliaw Congenital disorder, anemia, bleeding or blood disorder? pydwiesi gvbvi, KUn di kmi, KUn vihxw jw KUn di gvbvi? Yes Yes Yes Yes Reproductive organ or prostrate disorder? Yes Yes jxn-amg jw mudy lmmy pyx di gvbvi Arthritis, gout or joint pain, muscle, bone fracture or disorder? Yes Yes gtiaw jw jovw dw drd, mws-pysiaw, h`fi dw tu`txw jw gvbvi? AIDS or AIDS related complex or test indicating presence of HIV? Yes eyfs jw eyfz smbmdi jitlqw jw AY~c. AweI. vi. di mojudgi drswaundi jwc Yes Any other illness, surgery or injury? Yes Yes koei vi hor ibmwri, srjri jw s`t Do you have any bodily deformities? ki quhwnum koei vi srirk kurupqw hy? Do you have any health symptoms or complaints for which a physician has not been consulted or treatment received? eg: persistent fever, unexplained weight loss, loss of appetite, pain, swelling etc.? Yes Yes Yes Yes ki quhwnum koei vi ishq l`cx jw iskwieqw hn ijs lei iksy fwktr lei slwh-msvrw nhin kiqw igaw jw ielwj nhin ilaw igaw? audhwrx lei: h`ti bukwr, Axjwx Bwr dw Gt jwxw, Bu`K dw Gt jwxw, drd, sozs Awid? First Life Second Life D;k vki /kweziku djrs gsa ;k flxkj] flxjsv] chm+h ;k rackdw;qä dksbz vu; mrikn ¼iku elkyk vkfn½ dk lsou djrs gsa ;k dhkh fd;k gs ;fn ] rks vki fnu esa fdruh flxjsv@flxkj@chm+h @ rackdw dk lsou djrs gsa dc ls ÕÆ å Ãƺ ÕçÆ Çà ðà / å ìåõè ç à òé ù صà Õðé / êðô Õðé ñâæ âåõàðæ ÃñÅÔ çæ î ÕÆåÆ Ü» ñâæ ÔË? ôðåì ÕÆ å Ãƺ ÕçÆ ôðåì çå à òé ÕÆåÅ Ü» êæåæ ÔË? Ü Õð Ô», å» êìåæ ÔëåÅ å Ãƺ ôðåì çæ ÇÕ éæ îååðå êæºç Ô? (A ÇÂÕÅÂÆ =A/B ì åñ ìæáð / A ñåã òåâæé/ A êëµ îåê ÃÇêÌ à) ÇÕ é Ãî º å º ÕÆ å Ãƺ ÕçÆ ôðåì êæä çæ îååðå ù صà Õðé Ü» êðô Õðé ñâæ âåõàðæ ÃñÅÔ çæ î ÕÆåÆ Ü» ñâæ ÔË? âðµ (çòåâæ) çæ ç ðòðå º ÕÆ å Ãƺ Ô ä Ü» ÕçÆ òæ êçôñ» À ÇÚå âåõàðæ Çé ðåéæ ç ÁèÆé âåõàðæ ÔÅñÅå ç ÇÂñÅÜ ñâæ Ô ð ÇÕà òæ åð» çæá» âðµ ÇÜò º ÇÕ Á˺ø à îåâæéã, ìåðçìàèð àã, í, Õ Õ é, ÔÅñ ÕÆé Ü éã, Üó ÆÁ»-ìÈàÆÁ», ÁëÆî ÇîÇñÁÅ éôå, çðç ÔàÅÀ ä òåñæ çòåâæ, Ø ñ ÁÅÇç çæ òðå º Õð ðô Ô Ü» ÕÆåÆ ÔËÍ Ü Õð Ô» å» ÇÕðêÅ ÕðÕ âðµ ç éåî Áå ô ðè Õðé çæ Áå Ûµâ ÜÅä çæ ÇîåÆ ÃÇÔå êèðé ò ðò êìçåé Õð Í
D;k vkidks dh LokLF; laca/kh dkj.kksa ls dke ls NqV~Vh ysuh im+h A dke ds vykok] D;k lsgr ds dkj.k vkids jkstejkz ds dkedkt izhkkfor gq, gsa D;k vkids fo#) dksbz vkijkf/kd vkjksi yxs@vkijkf/kd dkjzokbz dh xbz rfkk@;k orzeku esa blls igys vkids fo#) dksbz vkijkf/kd vkjksi yafcr Fkk ;k gs vfkok vkidks fdlh vkijkf/kd dk;zokgh esa vijk/kh ekuk x;k rfkk@;k tekur ij jgs@fgjklr esa jgs@fuyafcr ltk gqbz? ;fn ] rks vkjksi dh rkjh[k] dkj.k vksj iz fr lfgr iwjs C;kSjs nsa A dsoy efgyk thou ds fy, & D;k vki xhkzorh gsa? ;fn ] rks xhkz/kkj.k ds g rksa dh la- D;k orzeku esa ;k vrhr esa] vkidks xhkz/kkj.k laca/kh dksbz ijs'kkfu;k Fkha ;k gsa? D;k vkidks dksbz óh&jksx Fkk ;k gs fookfgr efgykvksa ds fy,] ifr ds chek laca/kh C;kSjs chekjf{kr jkf'k J. Are you or your minee a Politically Exposed Person (PEP)? Politically Exposed Persons(PEP)are individuals who are or have been entrusted with prominent public functions, for example Heads/Ministers of Central/State government, Senior politicians, Senior government/judicial /Military officers, Senior Executive of State owned Corporations, important polictical party officials & immdeiate family member of above persons(spouse, Children, Parents and Siblings, In-laws) jktuhfrd izhkko okys O;fä ¼ihbZih½ os O;fä gksrs gsa ftugsa izeq[k lkoztfud dk;z ns[krs gsa ;k ftugsa,slk dk;z lksaik x;k gs] tsls dsunzh;@jkt; ljdkj ds izeq[k @ ea=h] ofj"b jktusrk] ofj"b ljdkjh@u;kf;d @lsu; vf/kdkjh] jkt; ds LokfeRo okys fuxeksa ds ofj"b dk;zikyd] egroiw.kz jktuhfrd ikvhz ds inkf/kdkjh vksj mi;qzä O;fä;ksa ds izr;{k ifjtu ¼iRuh ;k ifr] cpps] ekrk f vksj HkkbZ ;k cgu] nkekn ;k cgw½ K. If you hold any government card / ID which is specifically issued for economic and financially backward strata of the society like BPL /APL Card, MNREGA Card etc., please give details (please state NA or not applicable, if this is not applicable to you) ;fn vkids ikl dksbz ljdkjh i=@igpku i= gs ftls lekt ds vkæfkd rfkk foÿkh; :i ls finm+s izkf/kdkjh }kjk tkjh fd;k x;k tsls chih,y@,ih,y dkmz] eujsxk i= vkfn] i;k fooj.k nsa (;fn ;g vkids fy, ykxw gksrk gs rks yk-u- ;k ykxw fy[ksa½ mi;qzä iz'uksa ds mÿkj gksus ij laiw.kz fooj.k nsa] ftlesa fpfdrldh; ifjflfkfr@chekjh@pksv dh iz fr] rkjh[k] dkj.k] otg] y{k.k] bykt] ifj.kke] bykt dj jgs MkWDVj dk uke vksj lfgr iwjs C;kSjs gksa iz'u la- mi;qzä iz'uksa ds mÿkj gksus ij laiw.kz fooj.k nsa] ftlesa fpfdrldh; ifjflfkfr@chekjh@pksv dh iz fr] rkjh[k] dkj.k] otg] y{k.k] bykt] ifj.kke] bykt dj jgs MkWDVj dk uke vksj lfgr iwjs C;kSjs gksa L. iz'u lachek j{kk fd, tkus okys O;fä ds ifjokj ds C;kSjs i;k chek j{kk fd, tkus okys O;fä ds ifjtuksa ds fooj.k nsa A blds vykok] ;fn ifjtu fny dh chekjh] gªn;k?kkr] mpp jä pki] e/kqesg] fdlh izdkj dh vk [k dh chekjh] dsalj] xqnsz dh chekjh] i{kk?kkr ;k fdlh vkuqokaf'kd@ikfjokfjd chekfj;ksa] fdlh laøked jksx tsls Vhch vkfn ;k fdlh,slh chekjh ls ihfm+r gsa ;k jgs gsa ;k blds dkj.k e`r;q gqbz gs tks ; mfyyf[kr gs] rks bl ckjs esa uhps fn, x, Vscy esa crk, f ekrk ifjtu LokLF; dh gkyr ;fn thfor gsa orzeku vk;q (Vscy dks Hkjus ds fy, mi;qzä vuqpnsn ns[ksa½ ;fn e`r;q gks xbz gs e`r;q dk dkj.k e`r;q ds le; vk;q * HkkbZ * cgu ¼cgusa½
(Vscy dks Hkjus ds fy, mi;qzä vuqpnsn ns[ksa½ ifjtu LokLF; dh gkyr ;fn thfor gsa orzeku vk;q e`r;q dk dkj.k ;fn e`r;q gks xbz gs e`r;q ds le; vk;q f ekrk * HkkbZ * cgu ¼cgusa½ D;k vkidk QSfeyh MkWDVj gs (QSfeyh MkWDVj og gksrs gsa tks fpfdrldh; chekfj;ksa ds fy, fu;fer :i ls lykg nsrs gsa ;k ftuls lykg fy;k tkrk gs½ ;fn ] rks QSfeyh MkWDVj ds fooj.k nsa ;fn ] rks QSfeyh MkWDVj ds fooj.k nsa (t t+:jh gks] o ekqzr] lqiq=@ lqiq=h@iruh@ifr@f n'kkz, ½ 'kgj / xkao tyka jkt;,lvhmh dksm uacj 'kksd@;k=k ds fooj.k D;k vki fdlh eksvj LiksVZ] p<+uk] dwnuk] dsçox] ykbax] futh foeku] LdkbZ MkbÇox] gsax DykbÇMx vkfn esa Hkkx ysrs gsa ;fn ] rks mlds fooj.k nsa D;k vkius viuh orzeku uksdjh ds flyflys esa finys ik p o"kks± esa fons'k ;k=k ¼dukMk] vkwlvªsfy;k] U;wt+hySaM] ;w,l,] bz;w vksj thlhlh ds vykok½ dh gs ;k djus dh lahkkouk gs? ;fn ] rks ;k=k vksj fuokl iz'ukoyh Hkjsa A chek ds C;kSjs D;k vkids uke ij dksbz thou] LokLF; ;k tfvy chekjh dh chek ikfylh ¼pkyw@pqdrk½ gs ;k blds lkfk&lkfk gesa vfkok fdlh vu; thou chek daiuh dks dksbz izlrko is'k fd;k gs ftl ij fopkj fd;k tkuk gs ;fn ] rks chekj{kk fd, tkus okys O;fä ds uke ij fo eku chek j{kk ¼pkyw@pqdrk½ ds fooj.k nsa A blesa i;k vohok ykbq ba';ksjsal ikfyfl;ksa dks Hkh 'kkfey djsa ¼;fn nks ls vf/kd ikfyfl;k gsa rks,d ifjf'k"v layxu djrs gq, lhkh ikfyfl;ksa ds fooj.k nsa½ chekdrkz dk uke ikfylh dk izdkj ikfylh dh vof/k chek jf{kr jkf'k@pqdrk jkf'k chek dk o"kz crk, fd D;k lk/kkj.k njksa ij Lohdkj fd;k x;k] ;fn rks izhkkfjr vfrfjä nj crk, 'kkfey jkbmj chekdrkz dk uke ikfylh dk izdkj ikfylh dh vof/k chek jf{kr jkf'k@pqdrk jkf'k chek dk o"kz crk, fd D;k lk/kkj.k njksa ij Lohdkj fd;k x;k] ;fn rks izhkkfjr vfrfjä nj crk, 'kkfey jkbmj vkids uke ij thou chek ikfyfl;ksa dk dqy izhfe;e ¼#- vadksa esa½
NksVh chekfj;ksa ds vykok] D;k vkius viuh tfvy chekjh ;k LokLF; ikfylh ij dksbz nkok fd;k gs ftlds fy, vkidks iwjh jkf'k feyh ;fn ] rks i;k C;kSjk crk, D;k thou] LokLF; ;k tfvy chekjh ds fy, vkids }kjk cgkyh ds fy, fd, x, izlrko ;k vkosnu dks fo'ks"k 'krks± ij vlohdkj fd;k x;k] LFkfxr fd;k x;k ;k Lohdkj fd;k x;k vfkok D;k dhkh vkius vkosnu dks okil fy;k ;fn ] rks i;k C;kSjk crk, ;fn ] rks i;k C;kSjk crk, ifjokj ds chek ds fooj.k ¼;fn chekjf{kr O;fä fo kfkhz gs ;k /kuktzu djrk gs] rks bls Hkjk tkuk gs½ fueufyf[kr tkudkjh dsoy chek j{kk fd, tkus okys O;fä ds laca/k esa vko';d gs] izlrkodrkz ds laca/k esa A f daiuh dk uke ikfylh la[;k vk'olr /kujkf'k flfkfr tkjh djus dk o"kz daiuh dk uke ikfylh la[;k vk'olr /kujkf'k flfkfr tkjh djus dk o"kz ekrk ifr@iruh HkkbZ@cgu HkkbZ@cgu HkkbZ@cgu 9. Declaration & Authorization 1 I/We declare and confirm that all the replies to the questions in the proposal, the details furnished in the enclosed questionnaires and the reports of any medical examination are provided to the best of my/our knowledge and I/we have fully understood the nature of the questions and importance of disclosing all material information while answering such questions. I / We are aware that the policy is sourced on the basis of limited health questions and I/ We declare that no material information required by Aviva Life Insurance Company India Limited (hereinafter referred to as the Company ) to assess the risks on my/our life is withheld with me/us. 2 I/We undertake to notify the Company of any change in the state of health of the life to be insured or as to my/his/her occupation subsequent to the signing of this proposal and before the acceptance of the risk by the Company. 3 I/we also certify that I/we have read and understood the Benefits Illustrations and the sales literature as published by the Company that were handed over to me/us along with this proposal form. 4 I/We hereby authorise the Company to conduct screening/confirmation/reconfirmation of my/our health status through medical examinations which may include Laboratory tests, Cardiac, Radiological investigations and other medical tests including blood tests to detect bacterial/viral/fungal infections. I/We hereby give my/our consent to undergo HIV ½ test by ELISA method. I/We am aware that this tesl is only for screening purpose and not confirmatory for HIV/AIDS. Based on the results of these test, the Company reserves the right to accept, decline or offer alternate terms on my/our proposal for life insurance. I/We understand that these tests are being conducted as per the Company's underwriting policy for assessing my/our risk profile and I/We are hereby giving our consent for the same. 5 In order to enable the Company to assess the risk under this proposal and any time thereafter, I/We hereby authorize the past and present employer(s)/ business associates of mine, my medical practitioner/ hospital/ medical source/ any life and non-life Insurance Company/ organization or Life Insurance Association to release to the Company the records of employment/ business or other details of mine as may be considered relevant for acceptance or otherwise of the proposal. 6 In order to enable the Company to assess the risk under my/our proposal and any time thereafter, solely for the purpose of issuance and administration of the policy resulting from this proposal I/We agree and declare that the Company may without any reference to me/us (or to my/our beneficiary, as the case may be) disclose any information contained in the proposal, the annexure, in the reports of any medical examination / laboratory tests or in the documents submitted by me / or procured by the Company to any other insurer or to any reinsurer, to any claims investigator or any service provider engaged by the Company. Likewise the Company may make available copies of the proposal form, annexures, reports of any medical examination laboratory tests or any documents submitted by me/us (or, as the case may be, by my/our
beneficiary) or procured by the Company to any insurer to any claims investigator or any service provider engaged by the Company for servicing the policies. So also the Company may without any reference to me/us (or, as the case may be, to my/our beneficiary) furnish to any court / tribunal or other authority any such information or proposal, annexure, reports or documents as may be required of the Company or as may be considered necessary by the Company. 7 I/ We declare that the deposit towards the first premium and the renewal premium to be paid under the Policy are from legally assessed source of Income. In case the premium is paid from any other account other than my /our own, I/we shall ensure that such payment is permitted under Section 80C/80CCC of the Income Tax Act, 1961. I/We declare that in case I/we are found guilty of any offence relating to Anti Money Laundering law, the Company will be in within the rights to cancel the policy issued pursuant to this proposal & forfeit all the premium. 8 I/ We hereby understand and agree that Fraud or Misrepresentation would be dealt with in accordance with the provisions of Section 45 of Insurance Act, 1938 as amended from time to time. 9 I/We agree and confirm to the use of electronic medium, including email, as a mode for communication from and to the Company. 10 In case, for any reason this proposal has not been filled in by me, I/we hereby declare that the contents of this application for insurance, have been fully explained to me/us & I/we have fully understood the significance of the proposed contract. This proposal form shall be a part of the life insurance policy contract, in case of its acceptance by the Company.?kks"k.kk,oa izkf/kdj.k esa@ge ;g?kks"k.kk djrk@djrh gw @djrs gsa vksj ;g laiq"v djrk@djrh gw @djrs gsa fd izlrko esa iwns x, iz'uksa ds lhkh mÿkj] layxu iz'ukoyh esa fn, x, fooj.k vksj fpfdrlk tk p ds fjiksvz] t rd esjh@gekjh tkudkjh gs] iznku fd, x, gsa vksj esaus@geus iz'uksa dh iz fr dks vksj mä iz'uksa dk mÿkj nsrs le; lhkh egroiw.kz tkudkjh dks izdv djus dh egÿkk dks leök fy;k gs A esa@ge bl ckr dks tkurk@tkurh gw @ tkurs gsa fd bl ikfylh dks lhfer LokLF; iz'uksa ds vk/kkj ij fy;k tk jgk gs vksj esa@ge ;g?kks"k.kk djrk@djrh gw @djrs gsa fd esjs@gekjs thou dk ewy;kadu djus ds fy, vohok ykbq ba';ksjsal daiuh bafm;k fyfevsm ¼ftls ; blds ckn "daiuh" dgk x;k gs½ }kjk,slh fdlh egroiw.kz tkudkjh dks fnik;k gs A esa@ge bl izlrko ij glrk{kj djus ds QyLo:i rfkk daiuh }kjk tksf[ke dks Lohdkj djus ij] chek j{kk fd, tkus okys O;fä ds LokLF; esa ;k vius@mlds is'ks esa dksbz ifjorzu gksus ij daiuh dks lwfpr djus dk opu nsrk@nsrh gw @nsrs gsa A esa@ge ;g Hkh izekf.kr djrk@djrh gw @djrs gsa fd esaus @geus bl izlrko QkeZ ds lkfk eqöks@gesa fn, x, fgrykhk ds mnkgj.kksa rfkk daiuh }kjk izdkf'kr foø; lkfgr; dks i<+ vksj leök fy;k gs A esa@ge,rn~}kjk daiuh dks fpfdrlk tk p ftlesa ysc tk p] dkæm,d] jsfm;ksykwth ijh{k.k rfkk vu; fpfdrlk tk p ftlesa csdvhfj;k@ok;jy@qaxy laøe.k dk yxkus ds fy, [kwu dh tk p Hkh 'kkfey gs] ds ek/;e ls viuh LokLF; dh flfkfr dh tk p im+rky@iqf"vdj.k@nksckjk iqf"vdj.k djus ds fy, izkf/k r djrk@djrh gw @djrs gsa A esa@ge,rn~}kjk,fylk fof/k ls,pvkbzoh oh dh tk p djkus ds fy, viuh lgefr nsrk @ nsrh gw @nsrs gsa A bu ijh{k.kksa ds vk/kkj ij] daiuh thou chek ds esjs@gekjs izlrko dks Lohdkj djus] vlohdkj djus ;k osdfyid 'krs± is'k djus dk vf/kdkj lqjf{kr j[krh gs A esa@ge ;g leökrk@leökrh gw @leökrs gsa fd ;s ijh{k.k esjh@gekjh tksf[ke izksqkby dk vkadyu djus ds fy, daiuh dh gkehnkjh uhfr ds vuqlkj fd, tk jgs gsa vksj esa@ge,rn~}kjk mldh lgefr nsrk@nsrh gw @nsrs gsa A bl izlrko ds rgr ;k mlds ckn fdlh Hkh le; daiuh }kjk tksf[ke dk vkadyu djus ds fy,] esa@ge,rn~}kjk vius iwoz rfkk orzeku ds fu;ksäk ¼fu;ksäkvksa½@vius dkjksckjh lg;ksfx;ksa] vius fpfdrld @ vly@fpfdrlk lzksr@fdlh thou rfkk thou brj chek daiuh @ laxbu ;k thou chek,lksfl,'ku dks vius fu;kstu @ dkjksckj ;k vu; fooj.k tks bl izlrko dks Lohdkj djus ;k vu;fkk mfpr leöks tk, ] daiuh dks iznku djus ds fy, izkf/k r djrk@djrh gw @djrs gsa A vius bl izlrko ds rgr ;k mlds ckn fdlh Hkh le; daiuh }kjk tksf[ke dk vkadyu djus ds fy,] bl izlrko dks tkjh djus rfkk blds ifj.kkelo:i ikfylh dks lapkfyr djus ds,dek= mìs'; ls] esa@ge blds fy, lger gw @gsa vksj ;g?kks"k.kk djrk@djrh gw @djrs gsa fd daiuh bl izlrko] mlds layxudksa] fdlh fpfdrlk tk p@ysc ijh{k.k dh fjiksvks± esa ;k esjs }kjk@;k daiuh }kjk izlrqr nlrkostksa esa 'kkfey fdlh tkudkjh dks fdlh vu; chekdrkz ;k fdlh iquchzekdrkz dks ;k fdlh nkok tk pdrkz ;k daiuh }kjk fu;ksftr fdlh lsok iznkrk dks izdv djus ds fy, eqöks@gesa ¼;k esjs@gekjs fgrkf/kdkjh dks] tslk ekeyk gks½ crk, fcuk tkjh dj ldrh gs A blh rjg] daiuh ikfylh dh lsok iznku djus ds fy, izlrko QkeZ] mlds layxudksa] fdlh fpfdrlk tk p@ysc ijh{k.k dh fjiksvks± ;k esjs@gekjs }kjk ¼;k esjs@gekjs fgrkf/kdkjh dks] tslk ekeyk gks½@;k daiuh }kjk izlrqr nlrkostksa esa 'kkfey fdlh tkudkjh dks fdlh vu; chekdrkz ;k fdlh iquchzekdrkz dks ;k fdlh nkok tk pdrkz ;k daiuh }kjk fu;ksftr fdlh lsok iznkrk dks budh izfr;k miyc/k djk ldrh gs A daiuh eqöks @gesa ¼;k esjs@gekjs fgrkf/kdkjh dks] tslk ekeyk gks½ crk, fcuk fdlh U;k;ky;@fVªC;wuy ;k fdlh izkf/kdjh dks mä tkudkjh ;k izlrko] layxud] fjiksvz ;k nlrkost] tks daiuh }kjk vko';d gks ;k vko';d leöks tk, ] dks Hkh iznku dj ldrh gs A esa@ge ;g?kks"k.kk djrk@djrh gw @djrs gsa fd bl ikfylh ds igys izhfe;e rfkk vnk fd, tkus okys uohdj.k izhfe;e tek dh tkus okyh jkf'k vk; dk dkuwuu vkadfyr lzksr gs A ;fn izhfe;e dk Hkqxrku esjs@gekjs vius lzksr ds vykok fdlh vu; lzksr ls fd;k tkrk gs rks esa@ge ;g lqfuf'pkr d: xk@d: xh@djsaxs fd,slk Hkqxrku vk;dj vf/kfu;e] 1961 dh /kkjk 80lh @80lhlhlh ds rgr Lohdk;Z gs A esa@ge ;g?kks"k.kk djrk@djrh gw @ djrs gsa fd dkys/ku ls lacaf/kr fdlh vijk/k ds fl) gksus ij] daiuh dks bl izlrko ds rkjre; esa tkjh ikfylh dks jì djus vksj lhkh izhfe;e dks tir djus dk vf/kdkj gksxk A esa@ge,rn~}kjk ;g leökrk@leökrh gw @leökrs gsa vksj lger gw @gsa fd /kks[kk/km+h ;k xyr rf; is'k djus ij chek vf/kfu;e] 1938] le; le; ij ;Fkk la'kksf/kr] dh /kkjk 45 ds izko/kkuksa ds vuqlkj vko';d dkjzokbz dh tk,xh A esa@ge daiuh ls vksj daiuh dks laizs"k.k djus ds ek/;e ds :i esa bzesy lfgr] lhkh bysdvªkwfud ek/;eksa dk blrseky djus ij viuh lgefr nsrk@nsrh gw @ nsrs gs vksj bldh iqf"v djrk @ djrh gw @djrs gsa A ;fn fdlh dkj.ko'k ;g izlrko esjs@gekjs }kjk Hkjk tkrk gs] rks esa@ge,rn~}kjk ;g?kks"k.kk djrk @djrh gw @djrs gsa fd chek ds bl vkosnu dh ckrksa dks esjs@gekjs }kjk iwjh rjg leök fy;k x;k gs vksj esaus@geus izlrko lafonk ds egro dks iwjh rjg leök fy;k gs A ;g izlrko QkeZ] daiuh }kjk bls Lohdkj djus ij] thou chek ikfylh lafonk dk Hkkx cusxk A vkils laidz djus ds mi;qä le; ij lgh fpºu yxk, chek j{kk fd, tkus okys O;fä ds glrk{kj*@vaxwbs dh Nki* fnukad LFkku 10. chek j{kk fd, tkus okys O;fä ds glrk{kj*@vaxwbs dh Nki* fnukad LFkku izlrkod ds glrk{kj @ vaxwbs dh Nki ¼;fn chek j{kk fd, tkus O;fä ls vyx O;fä gks½ fnukad LFkku QkeZ Hkjus okys O;fä }kjk?kks"k.kk (;fn glrk{kj ns'kh Hkk"kk esa fd;k x;k gs] vaxwbs dh Nki yxkbz xbz gs] rfkk @ ;k ;fn izlrko izlrkod }kjk Hkjk x;k gs) esa,rn~}kjk?kks"k.kk djrk @ djrh gw fd esaus chek j{kk fd, tkus okys O;fä @ izlrkod dks u, Iyku ds ckjs esa iwjh rjg leökk fn;k gs vksj ;g fd mlus bls vpnh rjg leök fy;k gs vksj esaus chek j{kk fd, tkus okys O;fä @ izlrkod }kjk fn, x, mÿkjksa dks lr;fu"bk ls ntz fd;k gs A?kks"k.kk djus okys dk uke vksj - glrfyf[kr ns'kh Hkk"kk esa?kks"k.kk?kks"k.kk djus okys ds glrk{kj lykgdkj @,lih ds glrk{kj chek j{kk fd, tkus okys O;fä @ izlrkod ds glrk{kj 8 of 9
41. (1) person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. (2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees. 41 ¼1½ dksbz Hkh O;fDr] ;k rks lh/ks ;k ijks{k :i ls] fdlh O;fDr dks Hkkjr esa thou ;k laifr ls lacaf/kr tksf[ke ds chek dh ukohuhdj.k ;k tkjh j[kus ds fy;s izykshku ds :i vk<+r dk iwjk ;k Hkkx] ;k ikfylh ij fn[kkbz xbz izhfe;e ij NwV nsus dh vuqefr ;k vuqefr nsus dk izlrko ns ldrk] u gh dksbz O;fDr tks ikfylh fudky jgk gs ;k uohuhdj.k dj jgk gs ;k tkjh j[k jgk gs,slh NwV ys ldrk gs] flok; ds,slh fdlh NwV ds tks chek deiuh ds izdkf kr lwphi=ks ;k rkfydkvksa ds vuqlkj gksa ijurq chek,tsav )kjk vius gh thou ij fudkyh xbz ikfylh ds vk<+r dh Loh fr dks bl mi/kkjk ds vfkz esa izhfe;e dh NwV le>k tk;sxk] ;fn,slh Loh fr ds le; chek,stsav deiuh )kjk fu;ksftr krksz ds vuqlkj deiuh dk lnk kk;h chek,stsav gsa ¼2½ bl vuqpnsn ds izko/kkuks dk myya?ku djus okys O;fDr ij tqekzuk yx ldrk gs] tks fd nl Ykk[k :i;ksa rd gks ldrk gsa 45. (1) policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. (2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based. (3) twithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive. (4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based: Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation. (5) thing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal. For a complete text of Section 45 please refer to Insurance Act, 1938 as amended from time to time. 45 ¼1½ thou chek uhfr ds fdlh Hkh uhfr ds lecu/k esa fdlh çdkj dk ç'u fcek ikfylh dh fnukad ls rhu o"kz ckn fdlh Hkh flfkrh esa mbk;k tk,xk] vfkkzr] ikfylh ds fuxzr gksus dh frffk ls ;k tksf[ke dh çkjehk dh frffk ls ;k uhfr ds iqu#/nkj dh frffk ls] ;k ikfylh ds vuqo`/nh ds fnukad ls] tks Hkh ckn esa gksa ¼2½ thou chek uhfr ds fdlh Hkh uhfr ds lecu/k esa fdlh çdkj dk ç'u chek ikfylh dh fnukad ls rhu o"kz ds vanj mbk;k tk ldsxk vfkkzr] ikfylh ds fuxzr gksus dh frffk ls ;k tksf[ke dh çkjehk dh frffk ls ;k uhfr ds iq#/nj dh frffk ls] ;k ikfylh ds vuqo`/nh ds fnukad ls] tks Hkh igys gksa c'krsz dh] chek daiuh fyf[kr esa chek r O;fä ;k chek r O;fä ds dkuwuh çfrfuf/k] çr;kf'k;ksa ;k leuqnsf'krh dks mä fu.kz; ds vk/kkj,oa dkj.k ls voxr djk;sa ¼3½ mi&/kkjk ¼ ½ esa fdlh ckr ds gksrs gq,] dksbz chek daiuh fdlh thou chek ikfylh dks /kks[kk/kmh ds vk/kkj ij vlohdkj dj ldrk] ;fn chek r O;fä ;g fl) dj lds dh v'kq) o.kzu ;k fdlh rf; dk neu mlds tkudkjh esa lr;,oa lgh gs o tku cw>dj fdlh rf; dks fnikus dh mldh dksbz ea'kk gs ;k v'kq) o.kzu ;k fdlh rf; dk neu tkudkjh esa gsa ¼4½ thou chek uhfr ds fdlh Hkh uhfr ds lecu/k esa fdlh çdkj dk ç'u chek ikfylh dh fnukad ls rhu o"kz ds vanj mbk;k tk ldsxk vfkkzr] ikfylh ds fuxzr gksuh ds frffk ls ;k tksf[ke dh çkjehk dh frffk ls ;k uhfr ds iqu#/nkj dh frffk ls] ;k ikfylh ds vuqo`/nh ds fnukad ls] tks Hkh ckn esa gks] bl vk/kkj ij dh vk;q&lahkkfork ds lecu/k esa fd;s x, dksbz dfku ;k fdlh egroiw.kz rf; dk neu vlr; :i ls çlrko esa ;k vu; nlrkostks esa fd;s x,] ftlij dh ikfylh tkjh dh x;h ;k iqu#/nkj fd;k x;k ;k jkbmj tkjh dh x;ha c'krsz dh] chek daiuh fyf[kr esa chek r O;fdr ;k chek r O;fä ds dkuwuh çfrfuf/k] çr;kf'k;ksa ;k leuqnsf'krh dks thou chek ikfylh ds vlohdkj djus ls lecfu/kr vk/kkjks,oa dkj.kksa ls voxr djk;sa vkxs] c'krsz dh] fdlh Hkh ikfylh dks /kks[kk/kmh ds vk/kkj ij ] vfirq v'kq) o.kzu ;k fdlh egroiw.kz rf; ds neu ds vk/kkj ij vlohdkj djus dh n'kk esa] tks Hkh çhfe;e ikfylh esa ikfylh ds vlohdkj fd;s tkus ds fnukad rd,df=r fd;s x, gs] dks chek r O;fä ;k mlds fof/kd çfrfuf/k ;k çr;k'kh ;k leuqnsf'kfr dks vloh r djus dh frffk ls å fnu ds Hkhrj okil djuk gksxka ¼5½ bl mi&/kkjk esa,slh dksbz ckr chek daiuh] tks dh vk;q çek.k ekaxus dh ik= gks] dks vk;q çek.k fdlh Hkh le; ekaxus ls çfrcaf/kr djrh gs,oa fdlh Hkh ikfylh ij lansg dsoy bl vk/kkj ij djuk dh ikfylh ds 'krsz vuqorhz çek.k ij lek;ksftr dh x;h gs fd chfer O;fä dh vk;q çlrko esa vlr; crk;k x;k gsa /kkjk 45 ds leiw.kz ewyikb ds fy;s le; le; ij la kksf/kr (chek vf/kfu;e, 1938) dks i<sa