Non Medical chart

Age group Standard

Single premi Class of lives Plans allowed
(NBD) Age Proof
18 TO 35 8 lacs 15 lac (SP) Major males, major female 814,815,816 (SP 20 lakh), 817,818,820,
36 TO 45 5 lacs 10 lac (SP) with own income (earned or 821,827, 830, 833,835,836,838,841,842,843,845
For 815,820, 821,830 SUC is 1.25 times
unearned) and literate Plan 827: non-medical limit is stand alone
46 TO 50 3 lacs 10 lac (SP)
females with Std Age Proof
Age group NSAP NSAP
(NBD) (Maxi. Term 25yrs) 814,815,816(SP 20 lakh), 817,818,820,
18 TO 35 5 lac With medical 821,827,830,831,
833,835,836,838,841,842,843,845
36 TO 45 3 lac For 815,820, 821,830 SUC is 1.25 times
5 lacs maxi
46 TO 50 2 lac
Sum
Age (NBD) Class of lives Plans allowed
Scheme Assured
Employed literate Male and
Non-
SSC passed females with
Medical 18 to 35 30 lacs 15 lac (SP) T No. 814,815,816(SP 20 lakh), 817,818,820,
minimum service of 1 year 821,827 830, 833, 835,836,838,
(Special) with Specified employers 848,841,842,843,845 , 848,TR, PWB.
N.M.S. 36 to 45 20 lacs 10 lac (SP) For 815,820, 821,830, 848 SUC is 1.25 times
NRI & FNIO residing in
N.R.I. group V countries. HARISH
46 to 50 10 lacs 10 lac (SP)
FNIO
N.M.G. Age Sum Self-employed or Employed
(Not cover by the firm under NMS) Plans allowed
Std Age Group Assured
proof 814,815,816(SP 20 lakh),,817,818,820,
1. 1. POST GRADUATE /C.A./ 821, 830, 833, 835,836, 841,
18 to 35 25 lacs 15 lac (SP)
Doctor, Teachers B Ed, ,842,843,845,848 TR, PWB, for 815,820,
Professional
Lawyer, architects, 821,830,848 SUC is 1.25 times.
2. self-
employed 36 to 45 15 lacs 10 lac (SP) Engineers, Computer &
Males & Management Consultant,
literate LIC agents with 5 yrs For lives under point 1. ITR
female with agency. with mini income of 2.50 lacs
10 lakhs 46 to 50 8 lacs 10 lac (SP)
2. self-employed males and
above ITR& literate females
PAN card
Class of lives Sum Assured Plans Allowed
Table No. 814,817, 832,
Non-Medical Age 0 to 9 years Rs.40 lacs 834,835,836,845,848
(Minor Children) Table No. 814, 816(SP 20 lakh), 817,
Age 10 to 17 years Rs.15 lacs 820,821,832,834,835,836,834, 841.845
For 815,820,821 SUC is 1.25 times
Class of lives Sum Assured Plans Allowed
Non-medical T No. 814,815,816(SP 20
Not aged over 30 years Rs.20 lacs 15 lac (SP) lakh),,817,818,820, 821,827,830, 833,
(Major Students)
835,836,838. 841,845,848
For 815,820, 821,830.848 SUC is 1.25 times

Single Prem: Age 51 to 60: Std. and NSAP: 3 Lacs NON-MEDICAL allowed
Sum under consideration will be the basis for calling for special reports.S.U.C is such that it falls within the limits of non-medical business,

Financial Underwriting
Maximum Sum Assured allowed as per income of Proposer agewise:

Age group SA allowed for Income below 10 lakh SA allowed for Income ABOVE 10 lakh
Up to age 35 years. 25 times of gross income. 30 times of gross income.
36 to 45 years. 20 times of gross income. 25 times of gross income.
46 to 50 years. 12 times of gross income. 20 times of gross income.
51 to 55 years. 15 times of gross income.
56 years and above. 10 times of gross income. 10 times of gross income.
(Revised INCOME PROOF Requirement for both male and female)
1. TRSA up to 25 lakh NOT required.
2. TRSA 25 to 50 lakh PFQ or CA Certificate.
3. TRSA > 50 lakh Form no. 16 OR FORM 26AS OR ITR for 3 Yr. with computation of Income.
 Special report : Chart I For NMS, NRI & FNIO Gr 5, NMG Prof. & Self-employed Males
and literate female with >10 lakhs income & filing ITR
SUC/ AGE LBD 18 -35 36-45 46-50 51-55 56- 60

up to 2 LACS NM NM NM FMR FMR

ECG, FBS,RUA,
>2 to 8 lakh NM NM NM FMR
Lipidogram, Hb%
ECG, FBS,RUA,
>8 to 10 lakh NM NM FMR for NM Prof. FMR
Lipidogram, Hb%
FBS, RUA, ECG, SBT 13, ECG, SBT 13,
>10 to 15 lakh NM NM
Lipidogram. RUA, Hb% RUA, Hb%
FMR for NM FBS, RUA, ECG, SBT 13, RUA,
>15 to 20 lakh NM ECG, SBT 13, RUA,Hb%
Prof. Lipidogram. Haemogram, Hba1c
ECG, SBT 13, ECG, SBT 13, ECG, SBT 13, RUA,
>20 to 25 lakh NM FMR
RUA,Hb% RUA,Hb% Haemogram, Hba1c
FMR for ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13, RUA,
>25 to 30 lakh SBT 13, RUA
NM Prof. RUA,Hb% Haemogram Haemogram, Hba1c
ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13, RUA,
>30 to 50 lakh FMR
RUA,Hb% Hb%,Hba1c,CTMT Haemogram, Hba1c,CTMT Haemogram, Hba1c,CTMT

Special report :Chart II for lives which cannot be covered under chart I above
and for age above 60 and/or SUC above 50 lakhs
SUC/ AGE LBD 18 -35 36-45 46-50 51-55 56 & above
up to 2 LACS NMG NMG NMG FMR ECG, FBS
NMG, (FMR ECG, FBS,RUA,
>2 to 3 lakh NMG NMG FBS, RUA
if NSPA) Lipidogram, Hb%
NMG, (FMR ECG, FBS,RUA,
>3 to 5 lakh NMG FMR ECG, FBS, RUA
if NSPA) Lipidogram, Hb%
NMG, (FMR ECG, FBS,RUA, ECG, FBS,RUA,
>5 to 8 lakh FMR FBS, RUA,
if NSPA) Lipidogram, Hb% Lipidogram, Hb%
ECG, SBT 13, ECG, SBT 13, ECG, SBT 13,
>8 to15 lakh FMR FMR
RUA,Hb% RUA,Hb% RUA,Hb%
RUA,
Lipidogram, SBT 13, ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13, RUA,
>15 to 30 lakh
Elisa for HIV, RUA,Hb% RUA,Hb% Haemogram Haemogram, Hba1c
Hb%
ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13,
ECG, SBT 13, ECG, SBT 13, RUA,
>30 to 50 lakh RUA,HB% , Haemogram,Hba1c, RUA,Haemogram,
RUA,Hb% Hb%,Hba1c,CTMT
Hba1c. CTMT Hba1c,CTMT
ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13,
>50 to100 lakh RUA, Haemogram,Hba1c, Haemogram,Hba1c, Haemogram, RUA,Haemogram,
Haemogram CTMT CTMT Hba1c,CTMT Hba1c,CTMT
ECG, SBT 13, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13,
>100 Lakh to
RUA, Hba1c Haemogram,Hba1c, Haemogram,Hba1c, Haemogram,Hba1c, RUA,Haemogram,
25 Crores
Haemogram, CTMT CTMT CTMT Hba1c,CTMT, CHEST XRAY
ECG, SBT 13,
ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13, RUA, ECG, SBT 13,
>25 crores to RUA,
Haemogram,Hba1c, Haemogram,Hba1c, Haemogram,Hba1c, RUA,Haemogram,
39.99 Crores Haemogram,
CTMT CTMT CTMT Hba1c,CTMT, CHEST XRAY
Hba1c,CTMT
ECG, SBT 13, RUA, Haemogram, Hb%,Hba1c,CTMT, CHEST X RAY, ANTI HCV,
>40 Crores PSA Test for male lives in
USG OF ABDOMEN & PELVIS, SPOT URINE MICRO ALBUMIN, 2D ECHO WITH
& above addition to the left
DOPPLER HRDesai
1. FMR is mandatory wherever special reports are needed OR wherever mentioned in above charts.
2. Additional proposal up to SAS 25 lakhs accepted on earlier valid FMR done.
3. P.H.C. medical reports not more than 6 months old from date proposal now acceptable for chart I Lives.
 Female insurance: Categories and sum assured allowed d

MAX.
Category CRITERIA Other requirements / restriction
S.A.
Employed in NMS Rules of financial underwriting same as for male lives.
At par with
filing ITRs male adult When income from investment or rental: proof of income like rent agreement/ bank
1. employed lives statement required. If not than TRSA restricted to 200 lakhs.
A - I.
2. Self-employed
In case of self-employed/ income thru investment/property: Sp MHR by at least from BM
Women with /having income needed.
200 lakhs
Own income thru (For 3 &4
Or Under NMS 3. investment If no Only Standard age proof allowed. For NMS female: SSC qualification must
supporting Funding from husband’s income allowed. More than 50 lakhs cases to be decided by
and/or ZUS/CUS as per FPSO.
4. property. evidence)
All plans allowed including PWB.
All plans allowed. Only Standard age proof allowed
Mini SSC qualification for term plan /Maxi. TRSA 50 lakhs including Term plan.
A - II. 100 lakhs= single prem plan in case of death claim/ employer compensation recd.
50 lakhs Proof income such as PFQ/ CA certificate/ salary slip/investment income and / or Bank pass book
WOMEN WITH Including with 3 months’ entry etc. required.
Own INCOME which can be PWB TRSA above 25 lakhs to be sent to Higher office. Harish
ascertained If funding from husband’s income for SA more than 50 lakhs = case to be decided by
ZUC /CUS.
Sp MHR of female lives (Annx -1) by DO and ABM/BM,
Term plans up to 25 lakhs with MHR 3251 also needed by BM.
A III. 15 lakh HSC & above qualification proof to Savings plans Only allowed.
be submitted. No term plan/term rider allowed
that can NOT for Below HSC. Savings plans Only allowed.
WOMEN 10 lakhs
be ascertained No term plan/ term rider allowed
WITH Maxi age at entry up to 60 yrs. All types of age proof allowed.
Own INCOME Sp MHR of female lives (Annx -1) by DO and ABM/BM
All plans and Term plan up to 50 lakh Must have Passport/Credit card/ Driving
Graduate and 100 lakhs or maxi.50 % of husband’s term license/ Mediclaim/ Aadhar Card/PAN
B. (equal to insurance allowed. card
above husband) Proof of qualification must. / Std. age proof must.
Housewife MHR above 5 lakh must by Agent/DO/ ABM/BM.
(without No term plan/ term rider allowed. All types of age proof allowed.
income) 60 lakhs
1. In case husband, uninsurable due to medical reason= Maxi TRSA 50 lakhs with MHR
Below graduate (equal to
3251 must by BM and to be decided by higher office.
husband)
2. MHR above 5 lakh must by Agent/DO/ ABM/BM. Harish

Sum under Medical requirements for Minor life Age

Consideration Below 5 years 5 to 9 years 10 to 17 years
No Medical No Medical requirements, No Medical requirements, but height and
requirements but height and weight to be weight to be mentioned in the ACR.
Up to Rs. 15 lacs mentioned in the ACR.
i) Copy of latest school 1) Copy of latest school / College report
report, if attending school i) Copy of latest school report
No Medical Requirmt. No Medical requirements, i) Juvenile FMR
Rs. 15,00,001 to i) Immunization record of but height and weight to be ii) Copy of latest school/college report
the child ii) Copy of latest mentioned in the ACR i)
Rs. 40 lacs school report, if attending Copy of latest school report
school
i) Juvenile FMR i) Juvenile FMR i) Juvenile FMR
ii) Immunization record ii) Copy of latest school ii) Copy of latest school/college report
Rs. 40,00,001 to of the child report
Rs. 75 lacs iii) Copy of latest
school report, if
attending school
i) Juvenile FMR i) Juvenile FMR i) Juvenile FMR
ii) Immunization record ii) Haemogram ii) Haemogram
of the child iii) Serum Creatinine iii) SBT-13
Rs. 75,00,001 and above
iii) Copy of latest iii) RUA iv)Elisa test for iv) RUA
school report, if HIV vi) HbsAg v) Copy of latest school report
attending school v) Copy of latest attending school school/college report