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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	Nnn-Meil Non MimI	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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