ہمین لکہۓ | صفح اول | 8275145-0315

Underwriting Requirement

UNDERWRITING REQUIREMENTS w.e.f. JUNE 1, 2002

(FOR CIVILIANS)

Sum At Risk

18-40

41 -45

46-50

51-55

56 - 60

61 -65

Up to 30000

Non-Med

Non-Med

Non-Med

Non-Med

MR

MR, PUR, ECG

30001 to 100000

Non-Med

Non-Med

Non-Med

Non-Med

MR. PUR

MR, PUR. ECG

100001 to 125000

Non-Med

Non-Med

Non-Med

MR, PUR

MR, PUR

MR, PUR, ECG

125001 to 150000

Non-Med

Non-Med

Non-Med

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

150001 to 200000

Non-Med

Non-Med

MR, PUR

MR, PUR. ECG

MR, PUR, ECG

MR, PUR. ECG

200001 to 300000

Non-Med

Non-Med

MR, PUR, ECG

MR, PUR, ECG

MR. PUR, ECG

MR, PUR. ECG

300001 to 400000

Non-Med ^

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

MR. PUR, ECG

400001 to 500000

MR

MR, PUR, ECG

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR. PUR, ECG, BS

500001 to 600000

MR, PUR, ECG

MR. PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, X-RAY. ECG, BS

600001 to 750000

MR, PUR, ECG

MR, PUR, ECG, BS

MR, PUR, ECG, BS. EX-ECG

MR, PUR, ECG, BS, EX-ECG

MR, PUR. ECG. BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

750001 to 1000000

MR, PUR, ECG, BS

MR, PUR, ECG, BS, EX-ECG

MR, PUR, ECG, BS, EX-ECG

MR, PUR, ECG, BS, EX-ECG

MR, PUR, ECG, BS. EX-ECG

MR, PUR. X-RAY, ECG, BS, EX-ECG

1000001 to 2000000

MR, PUR, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG. BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

2000001 to 9999999

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR. PUR, X-RAY, ECG. BS, EX-ECG

MR, PUR, X-RAY. ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY. ECG, BS. EX-ECG

10000000 & over

MR, PUR, X-RAY, ECG, BS, EX-ECG, HIV, Total Lipid Screening, Renal Function Test (Including Creatinine and Urea) Liver Function Test (SCOT, SGPT, Gamma GT)

 

 

e

STATE LIFE

b)

For Rs. 1,00,000/- Sum Assured:

 

 

 

 

 

Basic Premium

(48.42 x 100)

=

4842.00

 

 

 

Policy Fee

(2.50 x 100)

 

 

 

 

 

 

Maximum

=

100.00

 

 

 

Annual Instalment -

 

=

4942.00

i.e.

4942

 

Half Yearly Instalment

(4942.00 x 0.52)

=

2569.84

i.e.

2570

 

Quarterly Instalment

(4942.00 x 0.27)

=

1334.34

i.e.

1334

 

Monthly Instalment

(4942.00 x 0.09)

=

444.78

i.e.

445

 

Monthly Instalment

 

=

 

 

 

 

by Banker's Order

(4942.00 x 0.09)

=

444.78

i.e.

445

c)

For Rs. 3,00,000/-

Sum Assured:

 

 

 

 

 

Basic Premium (48.42 - 0.50 x 300)

=

14376.00

 

 

 

(See Special Rebate)

 

 

 

 

 

 

Policy Fee

(2.50 x 300)

 

 

 

 

 

 

Maximum

=

100.00

 

 

 

Annual Instalment

 

 

14476.00

i.e.

14476

 

Half Yearly Instalment

(14476.00x0.52)

=

7527.52

i.e.

7528

 

Quarterly Instalment

(14476.00 x 0.27)

=

3908.52

i.e.

3909

 

Monthly Instalment

(14476.00 x 0.09)

=

1302.84

i.e.

1303

 

Monthly Instalment

 

 

 

 

 

 

by Banker's Order

(14476.00x0.09)

=

1302.84

i.e.

1303

d)

For Rs. 5,00,000/-

Sum Assured:

 

 

 

 

 

Basic Premium . (48.42 - 0.50 x 500)

=

23960.00

 

 

 

(See Special Rebate)

 

 

 

 

 

 

Policy Fee

' (2.50x 500)

=

 

 

 

 

 

Maximum

=

100.00

 

 

 

Annual Instalment

 

 

24060.00

i.e.

24060

 

Half Yearly Instalment

(24060.00 x 0.52)

=

12511.20

i.e.

12511

 

Quarterly Instalment

(24060.00 x 0.27)

=

6496.20

i.e.

6496

 

Monthly Instalment

(24060.00 x 0.09)

=

2165.40

i.e.

2165

 

Monthly Instalment

 

 

 

 

 

 

by Banker's Order

(24060.00 x 0.09)

 

2165.40

i.e.

2165

08

UNDERWRITING REQUIREMENTS w.e.f. JUNE 1, 2002

For Defence Force Personnel In Fighting I II < alegory, Commercial Airlines' Pilots, Co-Pilots, Flight Engineers, Aviators & Plant Protection Pilots for Standard Life.

Sum At Risk

III-40

41-45

46-50

51-55

56-60

61-65

Up to 1500110

Nnn-Meil Non MimI

Non-Med

Non-Med

Non-Med

Non-Med

MR, PUR, ECG

150001 to 200000

Non-Med

Non-Med

Non-Med

MR, PUR, ECG

MR, PUR, ECG

200001 tn .MINIMI

Nun MiiI

Non-Med

Non-Med

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

100001 III <400000

Nim-Mfil

Non-Med

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

MR, PUR, ECG

400001 III <00000

Non-Med

Non-Med

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

5001101 to 600000

Non-Med

MR, PUR, KC'G, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, ECG, BS

MR, PUR, X-RAY, ECG, BS

600001 to 750000

MR, PUR, ECC

MR. PUR, ECG, IIS

MR, PUR, ECG, BS EX-ECG

MR, PUR, ECG, BS EX-ECG

MR, PUR, ECG, BS EX-ECG

MR, PUR, X-RAY. ECG, BS. EX-ECG

750001 to 1000000

MR, PUR, ECG, BS

MR, PUR, ECG, BS EX-ECG

MR. PUR, ECG,'BS EX-ECG

MR, PUR, ECG, BS EX-ECG

MR, PUR, ECG, BS EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

1000001 to 2000000

MR, PUR, ECG, BS EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

2000001 to 9999999

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR. PUR, X-RAY. ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR, X-RAY, ECG, BS, EX-ECG

MR, PUR. X-RAY, ECG, BS, EX-ECG

10000000 & Over

MR, PUR, X-RAY, ECG, BS, EX-ECG, HIV, Total Lipid Screening Renal Function Test (Including Creatinine and Urea) Liver Function Test (SCOT, SGPT, Gamma GT)

 

The requirements from I to 5 under "Important Notes" also apply for Defence Force Personnel, t he abbreviations used above (1) and (2) stand for the following; MU - Medical Report by an Authorised Examiner Ex-ECG - Electro Cardiogram after Exercise with Double Masters Exercise Test on Swiss Re Pattern. IT H Pathological Urine Report BS - Blood studies (ESR, CBC, FBS, HB% BU (NPN), Cholesterol). ECG - Electro Cardiogram at Rest (12 leads) HIV - Human Immuno-Deflciency Virus.

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