National Mediclaim Policy - Bank Of India

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Version: 07/2014National Insurance Company LimitedRegd. Office 3, Middleton Street, Post Box 9229, Kolkata 700 071CIN - U10200WB1906GOI001713IRDA Regn. No. - 58National Mediclaim PolicyProposal Form(For office use only)Agency CodeDevelopmentOfficer Code:Policy Number:(a)(b)(c)(d)(e)(f)1.Issuing office codeIssuing office address:IMPORTANT INSTRUCTIONSThis Proposal Form will be the basis of the policy to be issued. It is therefore essential that all the informationrequested in this Proposal Form and all additional information relevant to the risk to be insured is provided fully& accurately. Please do not leave any space blank, or put dashesThe Company will not be on risk until the Proposal have been accepted by the company and communication ofthe acceptance has been given to the proposer in writing after full payment of premiumDetails of upto 8 Insured Persons, including the proposer, can be filled in this Proposal Form. For additionalmembers, please use a fresh form. Two stamp size photograph of each person are to be submitted, one of which isto be affixed on the Proposal formPersons 50 years of age and above will have to submit pre policy checkup reports upto 1 month oldPersons porting (switching) from health insurance policies of other non life insurance or stand alone healthinsurance companies must complete Annexure C (portability form) along with Proposal Form, Annexure A, B (ifrequired)Senior citizens covered for SI between 15,000 and 45,000, opting for a higher SI between 50,000 to 5,00,000should complete the Proposal FormProposer details (Please fill up in BLOCK LETTERS.)Name of the N:Telephone:Mobile:E -Mail:Occupation:Period of Insurance(from)PAN:(to)Name of nominee:Relationship with proposerName of the family medicalpractitioner:Address:Contact no.:Is TPA service required?:(please strike through the one not required )YesNoName in Bank AccountBank Name::Bank BranchAccount no::/ /MICR Code:2.:Age of nominee :IFSC Code:Insured Person DetailsNo. of persons covered (including proposer) . (in figure), (in words)Paste one stamp sized photographs and sign below ( In case of minor, guardian or proposer may sign):(Another stamp sized copy of the same photograph is to submitted with this proposal form, with the proposer/ insuredperson’s name written on the reverse)National Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014InsuredPerson 1ProposerInsuredPerson 2InsuredPerson 3InsuredPerson 4InsuredPerson 5InsuredPerson 6InsuredPerson 7All the fields are mandatory. Please do not leave any field blank.Customer CodeProposerInsuredPerson 1InsuredPerson 2InsuredPerson 3InsuredPerson 4InsuredPerson 5InsuredPerson 6InsuredPerson 7NameDate of Birth(mm/dd/yyyy)AgeGender (M/F)Height (cm)Weight (kg)Blood GroupMarital StatusRelationshipwith ProposerDependent(Y/N)OccupationSum Insured3.Is proposer or any insured person an existing health insurance policyholder?If yes, please give details below and attach policy copies.CompanyPolicy ateClaimedAmountPorting?(Y/ erPerson 1 Person 2 Person 3 Person 4 Person 5 Person 6Are you in good health, free from physical and mental disease or infirmity or medical complaints?InsuredPerson 7ProposerInsured Person 1Insured Person 2Insured Person 3Insured Person 4Insured Person 5Insured Person 6Insured Person 7Please fill Annexure C if insured is porting from other Insurance Company to our company4.Medical history of proposer and insured person. Write Yes/ No.Please do not leave the spaces blank.:Yes/ NoIf ‘No’, have you ever diagnosed with any of the following disease / illness? Write ‘Yes’ with duration (mm/yyyy tomm/yyyy) where applicable.(a) Psychiatric:disorderNational Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014(b) Slipped disc orother spinal disorderor paralysis:(c) Fistula, Piles,Hernia, Varicoseveins:(d) Disease of bone orjoint includingrheumatic disease:(e) Disease of uterus,ovaries or breast orany specificgynaecologicaldisorders(f) Respiratory orallergic disease::(g) Any disorder ofthe stomach, ulcer,bowel or gall bladder,kidney stones etc.:(h) Cancer, boil, cystor wound etc. whichdoes not heal orimprove despitetreatment(i) Dimness of vision /cataract(j) Disease of ears ordifficulty withhearing(k) Diabetes orurinary disease::::(l) Any other illness,disease, accident oroperation sustained:(m) Any complaintthat may necessitatetreatment in thefuture:5.If diagnosed with any of the following diseases or any other pre existing disease/ condition, write Yes/ No.If ‘Yes’ please write date first diagnosed and fill Annexure A & B separately for each individual withadverse medical history or pre existing disease/ condition.DiabetesHypertensionChest painCoronaryinsufficiencyMyocardialinfarctionAny othercondition?ProposerInsured Person 1Insured Person 2Insured Person 3Insured Person 4Insured Person 5Insured Person 6Insured Person 76.In case the Proposer/ Insured Person is 50 years of age and above pre policy checkup reports dated notmore than 30 days prior to date of proposal for the following test are submitted? Write Yes/ No.National Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014(Not applicable to senior citizens covered for SI between 15,000 and 45,000, opting for a higher SI between 50,000 to 5,00,000)Physical examination(signed by Doctorwith min MD(Medicine)qualification)Blood sugar(fasting &postprandial)Urine routineand CGEye checkupincludingretinoscopyProposerInsuredPerson 1InsuredPerson 2InsuredPerson 3InsuredPerson 4InsuredPerson 5InsuredPerson 6InsuredPerson 77.DeclarationI/We hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements,answers and/or particulars given by me are true and complete in all respects to the best of my knowledge and that I/weam/are authorized to propose on behalf of these other persons.I understand that the information provided by me will form the basis of the insurance policy, is subject to the Boardapproved underwriting policy of the insurance policy and that the policy will come into force only after full receipt ofthe premium chargeable.I/We further declare that I/we will notify in writing any change occurring in the occupation or general health of theproposer after the proposal has been submitted but before communication of the risk acceptance by the company.I/We declare and consent to the company seeking medical information from any doctor or from a hospital who atanytime has attended on the proposer or from any past or present employer concerning anything which affects thephysical or mental health of the proposer and seeking information from any insurance company to which anapplication for insurance on the proposer has been made for the purpose of underwriting the proposal and/or claimsettlement.I/We authorize the company to share information pertaining to my proposal including the medical records for the solepurpose of proposal underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.PlaceDate:: . / / . .Signature of ProposerName of the Proposer (in BLOCK LETTERS) .National Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014Certificate from proposer in case proposal form is not filled by him/ herThe proposal form is filled up by my representative, but the contents of the documents have been fully explained to meand I am willing to accept the coverage subject to terms, conditions and exceptions prescribed by the InsuranceCompany therein.PlaceDate:: . / / . .Signature of ProposerName of the Proposer (in BLOCK LETTERS) . .N.B. : This should necessarily be signed by proposer, and not by his/her representative.Section 41 of Insurance Act, 1938PROHIBITION OF REBATES1.2.No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out orrenew or continue insurance in respect of any kind of risk relating to lives or property in India any rebate of thewhole or part of the commission payable or any rebate of the premium shown on the policy nor shall any persontaking out or renewing or continuing a policy accept any rebate except such rebate as may be allowed inaccordance with the prospectus or tables of the Insurers.Any person making default in complying with the provisions of this section shall be punishable with fine whichmay extend to five hundred rupees.FOR OFFICE USE ONLYPremiumFamily Discount at . %Net PremiumStaff DiscountNational Mediclaim Policy . . . . . . . .::::1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014National Insurance Co. Ltd.Annexure APolicy No. :Name of Insured Person :To be completed by proposer in case of pre existing conditions and for adverse history in respect of any illnessDiabetes Questionnaire1 Date of first diagnosis of diabetes:2Did you suffer from coma?:3Do you take any anti diabetic drugs?:If so, please give name with dose:45Please give details of fasting and postprandial bloodSugar readings, E.C.G. findings and otherinvestigation reports with dates, please also sendreportsPlease state whether you have been diagnosed withany complications of diabetes.Hypertension Questionnaire1 Date of first diagnosis of hypertension2::What is your blood pressure reading?Please state with dates3::4Please state names of anti hypertensive drugs withdose?Are you a smoker?5Is it essential /secondary/malignant hypertension?:6Please state whether you have been diagnosed withany complications of hypertension.:7Please give findings of all investigation reports:::Chest Pain or Coronary Insufficiency or Myocardial Infarction Questionnaire:1 Date of first diagnosisDid you ever suffer from chest pain or coronaryinsufficiency or myocardial infarction? If so, pleasegive diagnosis and date.2 Please state the name and dose of drugs you are:taking at present.3 Please state the findings with dates of investigationsdone like ECG, stress test, coronary angiography, X:ray, pathology reports etc. please send reports withthe Proposal form.4 Please state the date of hospitalisation and names of:hospitals and consultants.56Please state complications and other related disease,if suffered.Please state whether you can do your regular workand whether you have any limitation of activity.7Are you advised any special treatment? If so, pleasegive information.Any other pre existing condition12Nature of illness/ disease/ injury and treatmentreceivedDate of first diagnosis.3Whether fully cured?::::::Place :Date:National Mediclaim PolicySignature of Proposer1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014National Insurance Co. Ltd.Annexure BPolicy No. :Name of Insured Person :To be completed by consulting physician / surgeon in case of adverse medical history1Name of the Insured Person2History(a)Present complaints and investigation, if any(b)(c)Any past history of disease, operations, accidents,investigations with date, major medical complaints ofhospitalisation?Details of present and past medication with duration(d)Is he cured of diseases, if any?:General examination4Systematic examination:::When was your treatment, if any, given, stopped?3::::Signature of ProposerSignature of Consulting Physician . . .Name of consulting Physician:Qualifications :Date :Address :Place :Telephone Number :TO BE COMPLETED BY OFFICIAL OF INSURANCE COMPANYDo you consider the risk acceptable?Competent Authority:Branch Manager:Divisional manager:National Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014National Insurance Co. Ltd.Annexure CPolicy No. :Name of Insured Person :To be completed by the insured in case of porting from a health insurance policy issued by another insurance companyPortability Form1)2)3)Name of the Policyholder / insured (s)Date of Birth/AgeAddress of the policyholder/insured4)Details of existing insureri. Name of insurance companyii. Name of the productiii. Sum Insurediv. Cumulative Bonusv. Add-ons/riders takenvi. Policy numberDetails of the proposed insurancei. Name of the product proposed/intend totakeii. Sum Insured Proposediii. Whether Cumulative Bonus to beconverted to an enhanced sum insuredReason(s) for PortabilityNo. of family members to be included in thepolicy to be ported5)6)7)Enclosure: Photocopy of the existing & previous policy documentsDate:Signature of the policyholder1. Whether the PED exclusions / time bound exclusion have longer exclusion period than the existingpolicy? (Please indicate Yes / NO):2. If yes, please give written consent to the declaration below:I am aware that the waiting period for the following disease(s)/treatment(s) is more than the previous policyterms. I hereby agree to observe the additional waiting period for the following disease(s)/treatment(s).Name of disease/ treatmentWaiting period in days/ years1.2.3.4.Place :Date :Signature of the policyholderNational Mediclaim Policy1IRDA/NL-HLT/NI/P-H/V.I/17/13-14

Version: 07/2014 Naattiioonnaall PMMeeddiiccllaaiimm Poolliiccyy 1 IRDA/NL -HLT/NI/P H/V.I/17/13 14 (Not applicable to senior citizens covered for SI between 15,000 and 45,000 , opting for a higher SI betwe en 50,000 to 5,00,000 ) Physical examination