Sub. Clarifications on the proposals of
handicapped proponents.
Consequent
upon the deletion of Rule 17 and amendments in Rule 14 and
Rule 15 of Post Office Life Insurance
Rules-2011 vide Notification No. 194 published
hi the Gazette or India on 30.08 2012 and
circulated vide this Directorate letter No
25-1/2011-IJ dated 0/.09.2012. references
have been received from some Circles
for clarification whether there is need to
send the proposals submitted by Physically
Handicapped persons for taking policies of
PH/ RPLI to the Constating Actuary.- PLl
Directorate and how shall the premium be
calculated.
2.
The aforesaid amendments m Post Office Life
Insurance Rules 2011 have
boon made in compliance or orders dated 15
02.2012 of the Hon'ble Division Bench
of Delhi High Court passed m Writ Petition
(C) No 10323/2009 whereby the
Department has been directed to neat persons
with disability al par with the non-
disabled persons m the mailer of Postal life
Insurance by providing them with me
same maximum cover and charging them the same
premium as being charged from
non-disabled persons, regard of course being this
to the risk, depending on
assessment of individual cases
3. in view of the above, it is clarified that
accepting authority should examine all
proposals of proponents individually to
assess risk on the basis of report of the
Medical Officer who has conducted medical
examination of such proponents and
take a decision of acceptance/ rejection
thereof keeping in view the aforesaid orders
of the- Hon'ble Division Bench Delhi High
Court As regards referring the case to
the Consulting Actuary, it is clarified that
only proposals with adverse medical
action recorded by Medical Officer be sent to
the Consulting Actuary for
assessment of risk and deciding upon premium.
4. This has the approval of Chief General
Manager (PLI)
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