Dear Comrades,
DIRECTORATE
OF POSTAL LIFE INSURANCE
Department
of Posts, Ministry of Communications &
Information
Technology Government of India
Chanakyapuri
Post Office Complex, New Delhi-110021
No 25-5/Clf/2012-L1 Dated 09.10.2012
TO
All Head of Circles
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 in the
Gazette of India on 30.08.2012 and circulated vide this Directorate letter No. 25-112011-L1
dated 07.09.2012, 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 PLI/ RPLI to the Consulting Actuary/ PLI Directorate
and how shall the premium be calculated.
2. The aforesaid amendments
in Post Office Life Insurance Rules-2011 have been made in compliance of orders
dated 15.02.2012 of the Hon'ble Division Bench of Delhi High Court passed 'in
Writ Petition (C) No. 10323/2009 whereby the Department has been directed to
treat persons with disability at par with the nondisabled persons in the matter
of Postal Life Insurance by providing them with the same maximum cover and
charging them the same premium as being charged from non-disabled persons,
regard of course being had 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 cases to the Consulting Actuary, it is
clarified that only proposals with adverse medical condition recorded by
Medical Officer be sent to the Consulting Actuary for assessment of risk and
deciding upon premia.
4. This has the approval of
Chief General Manager (PLI).
(Amitabh
Singh) Addl.. General Manager
(PLI)
Copy for information to:
1. Shri K.K Dharni, Consulting Actuary, 327-A, Pkt-2,
Mayur Vihar, Near Prem
Chand Sarvodaya Vidyalaya, Delhi - 110 091.
2. DDM-II, PLI Directorate.
(Amitabh Singh) Addl. General Manager (PLI)
