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- Insurance is first done of the head (on whom family is dependent) of the family. Up to the same amount insurance of his wife can be done. But if wife is earning then her insurance amount can be more than that of husband. Therefore, Insured amount of dependent can not be more than that of earning member.
- For more than a particular amount of insurance it is necessary to get the medical check, the chart for which is given below:
| Sum Assured |
Age18 to 35 |
Age36 to 45 |
Age46 to 50 |
| Up to 100000 |
NIL |
NIL |
NIL |
| 100001 to 300000 |
NIL |
NIL |
NIL |
| 300001 to 600000 |
NIL |
NIL |
FMR |
| 600001 to 1000000 |
NIL |
FMR+ECG+A |
FMR+ECG+A |
| 1000001 to 2500000 |
FMR+ECG+A+D |
FMR+ECG+A+D+B |
FMR+ECG+A+D+C+D+X ray |
| 2500001 to 5000000 |
FMR+CTMT+A+D+B |
FMR+CTMT+A+B+C+D+X ray |
FMR+CTMT+A+B+C+D+X ray |
| 5000001 & Above |
FMR+CTMT+A+B+C+D+X ray |
FMR+CTMT+A+B+C+D+X ray |
FMR+CTMT+A+B+C+D+X ray |
FULL Form:-
FMR : Full Medical Report ECG : Electro cardiogram
CTMT : Computerized Tread mil
A = CBC+ESR+FBS+HBA1c+LIPID PROFILE + rua
B = Liver function test +s creatinine +s uric acid
C = HbsAG
D = HIV Lipid Profile =s. Cholesterol +s. Triglyceride+ hd1 cholesterol
Xray = Normal chest Xray. (Please note HTV as from 1000001 only)
- Proposer related information are to be filled in the proposal form only when proposer and insured are different person.
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