बंद पडलेल्या पॉलिसीला पुनर्जिवित करणे
वेळेत हप्ता न भरल्यामुळे जर तुमची पॉलिसी रद्द झाली
असेल, तर, जोपर्यंत तुम्ही तुमची पॉलिसी पुनर्जिवित करीत नाही, तोपर्यंत, पॉलिसीच्या अटी व नियम रद्दबातल होतात.
न भरलेले हप्त्याची रक्कम व्याजासकट भरून
आरोग्याबाबत च्या अटीची पूर्तता करून पॉलिसी पुनर्जिवित करावी लागते. आपल्या विम्याच्या पॉलिसीमुळे देय असलेल्या हमी रकमेचा फायदा आपल्या
कुटुंबास मिळण्यासाठी आपली पॉलिसी सदैव सक्रिय ठेवा.
To
keep the risk cover in force in your LIC policy a policyholder must pay his/her
insurance premium on time or within the grace period. If a policyholder failed
to do so then his policy became lapse, and no risk cover is available under
that policy.
To restart
the risk cover in the policy, a policyholder has to revive the policy by paying
all the due premiums up to the date of revival.
Now a days
policies can be revived in other branches if the policy is to be revived on DGH
and Medical Report only. If there is any special medical report is called for
then policyholder has to visit his servicing branch to revive his/her policy.
But sometimes it’s not possible for the customer to deposit all the due
premiums to revive his/her policy, to make the revival process easy and
convenient, LIC have different types of revival scheme so that customers can
revive their policy to restart the risk cover.
Payment of Premiums:
A grace period of one month but not less than 30 days is allowed where the mode of payment is yearly, half-yearly or quarterly and 15 days for monthly payments. If death occurs within this period, the life assured is covered for full sum assured.
A grace period of one month but not less than 30 days is allowed where the mode of payment is yearly, half-yearly or quarterly and 15 days for monthly payments. If death occurs within this period, the life assured is covered for full sum assured.
Revivals:
If the premium under a policy is not paid within the days of grace the policy lapses. Revival is a fresh contract wherein the insurer can impose fresh terms and conditions. A policy can be revived under the following types of revival:
1. Ordinary Revival
If a revival of the policy is effected within 6 months from the due of first unpaid premium no personal statement regarding health is required and the policy is revived on collection of delayed premium plus interest. The rate of interest to be charged for such delayed premium will depend on the date of commencement of the policy.
2. Revival on non-medical basis
For revival of the policy on non-medical basis the amount to be revived should not exceed the prescribed limit for non-medical assurance taken by the life assured.
3. Revival on medical basis
If a policy cannot be revived under ordinary revival or revival on non-medical basis it can be revived with medical requirements. The medical requirements will depend upon the amount to be revived. For this you have contact to branch office. Get revival quotation and medical requirements. You have to go for medical check up to Doctor who is on LIC panel.
Requirements if today's age of policyholder 18 yrs or more
1. DGH Form No 680
2. Adhar Card 3. Covid Form
Requirement if today's age of policyholder more than 7 yrs & less than 18 yrs then
If the premium under a policy is not paid within the days of grace the policy lapses. Revival is a fresh contract wherein the insurer can impose fresh terms and conditions. A policy can be revived under the following types of revival:
1. Ordinary Revival
If a revival of the policy is effected within 6 months from the due of first unpaid premium no personal statement regarding health is required and the policy is revived on collection of delayed premium plus interest. The rate of interest to be charged for such delayed premium will depend on the date of commencement of the policy.
2. Revival on non-medical basis
For revival of the policy on non-medical basis the amount to be revived should not exceed the prescribed limit for non-medical assurance taken by the life assured.
3. Revival on medical basis
If a policy cannot be revived under ordinary revival or revival on non-medical basis it can be revived with medical requirements. The medical requirements will depend upon the amount to be revived. For this you have contact to branch office. Get revival quotation and medical requirements. You have to go for medical check up to Doctor who is on LIC panel.
1. Ordinary Revival
If a revival of the policy is effected within 6 months from the due of first unpaid premium no personal statement regarding health is required and the policy is revived on collection of delayed premium plus interest. The rate of interest to be charged for such delayed premium will depend on the date of commencement of the policy.
2. Revival on non-medical basis
For revival of the policy on non-medical basis the amount to be revived should not exceed the prescribed limit for non-medical assurance taken by the life assured.
3. Revival on medical basis
If a policy cannot be revived under ordinary revival or revival on non-medical basis it can be revived with medical requirements. The medical requirements will depend upon the amount to be revived. For this you have contact to branch office. Get revival quotation and medical requirements. You have to go for medical check up to Doctor who is on LIC panel.
1. DGH Form No 700
2. Identity proof of minor child3. School going proof4 .Covid Questionnaire
Requirements if today's age of policyholder less than 8 yrs then
1. DGH Form No 7202. School going proof if child is 5 to 7 years old3. Identity Proof of child
If premium waiver benefit has been taken in policy then proposer's KYC & DGH form No 680 also required
Further requirements may be called after verifying revival quotation
Click Here for panel doctor list of Mumbai Thane area
Further requirements may be called after verifying revival quotation
The other schemes for revival are
A. Special Revival Scheme
B. Revival by installment
C. Loan- cum- revival
D. Survival Benefit- cum- revival
It is very useful in this difficult time of pendamic wonderful work done by you to help the agents and policy holders keep on doing the good work All the best
ReplyDeleteCovid questionnaire sir
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