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The policy under this plan shall be issued to a person with his/her spouse who is literate and has independent income for providing insurance cover to both the spouses. The policy shall be limited to a term not less than five years and not exceeding 20 years.
The person who has more than one spouse living, such cover will be available only in respect of the eldest spouse. The age at entry of the spouses should not be less than 21 years and more than 45 years and at maturity, the older spouse should not be more than 60 years on his/her next birth day. Both the spouses under this plan shall have to undergo the prescribed medical examination as per these rules irrespective of the sum assured.
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The premium shall be based on equivalent age on next birth day, which will be calculated by addition to the lower age depending upon difference in the ages of spouses. The schedule to calculate equivalent age next birth day is given along with Table V4. The payment of premium shall cease on the death of any one of the spouses.
The sum assured with accrued bonus shall be payable at the end of endowment term (date of maturity) if both survive. Otherwise, the sum assured with accrued bonus will be payable on the death of one spouse before maturity, to the survivor. In case of death of both the insured lives simultaneously, the sum assured with accrued bonus shall be payable to the nominee/legal heir. No claim, whatsoever, shall be entertained, if the policy lapses under these rules.
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The scheme is envisaged to provide insurance cover to maximum two children of a policy holder of Postal Life Insurance and Rural Postal Life Insurance, provided that only one such policy will be allowed for a child against one policy of the father/mother.
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