-
igyk uke
e/; dk uke miuke
igyk uke
e/; dk uke miuke
iwjk uke : ikfylh ds izek.k&i= ij vkidk uke bl rjg fn[ksxk A
uke ds izR;sd Hkkx ds chp txg NksM+saA
'kh"kZd : Jh@Jherh@lqJh@MkW-igyk uke
e/; dk uke
miuke Q+ksVks yxk,¡
igyk uke (;fn fookfgr efgyk dk thou chek djuk gks)
'kh"kZd : lqJh@MkW-
tUe frfFkÇyx
frfFk ekg o"kZ
iq#"k
efgyk
vfookfgr
fo/kok ¼fo/kqj½
fookfgr
rykd'kqnk 3 ls vf/kd
cPpksa dh la[;k
jk"Vªh;rk& Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä
jk"Vªh;rk crk,¡
oSokfgd fLFkfr
'kh"kZd : Jh@MkW-firk dk uke
��तावक को पॉ�लसी के �ववरण से स�त�ट होना चा�हए और उसे पॉ�लसी क�
�मख �वशषेताओ ंक� �ववर�णका म� पर �वशषे �यान देना चा�हए। ु ु
पण � �कए गए ��ताव क� कंपनी �वारा �ाि�त तथा आरं�भक भगतान से
,कंपनी क� ओर से बीमा कराने क� कोई जो�खम क� िज़�मेदार� नह�ं बनती
है,तथा कंपनी तब तक िज�मेदार नह�ं होगी जब तक इसने ू ु
जो�खम का बीमा न करा �कया हो तथा पॉ�लसी जार� न कर द� हो।
;wfuVsa ml fnu vkcafVr dh tk,¡xh ftl fnu izLrko iwjs dj fy, tkrs
gSa vkSj izhfe;e ds izfr vkosnu jkf'k dk lek;kstu djrs gq, ikfylh
esa ifj.kkfer gksrk gS ¼;wfyi ikfylh ds fy, ykxw½
इस ��ताव के साथ आराम�भक रा�श अव�य होनी चा�हए और इसे �कसी भी शाखा
म� नकद अथवा अ�ववा लाइफ इ�योर�स अकाउंट �पोज़ल नंबर “...........” को
देय चेक अथवा �डमांड �ा�ट अथवा कंपनी �वारा
�वीकत अ�य तर�के से जमा �कया जा सकता है। ृ
नकद रा�श जमा �कए जाने क� ि�थ�त म�, लौटाई जाने वाल� रा�श (य�द कोई
हो) का भगतान चेक �वारा ह� �कया जाएगा। ु
chek vf/kfu;e] 1938] le;≤ ij ;Fkk la'kksf/kr] dh /kkjk 45 ds
vuqlkj] izLrkodrkZ dks iwjh vkSj lVhd tkudkjh nsuk vko';d gS rkfd
daiuh bl izLrko ij gkehnkjh ns lds A
आय का �माण अ�नवाय � है।ु
izLrko QkeZ esa ;fn dksbZ lq/kkj@mifjys[k@L;kgh cnyko fd;k x;k
gS] rks ,slh txg ij izfrgLrk{kj djsa Alykgdkj daiuh ds fy, vk'kf;r
udn@/kkjd pSd dks izkIr djus ds fy, izkf/k—r ugha gSa A;fn ikfylh
ds tkjh djus ls igys gh izLrkodrkZ izLrko dks okil ysrs gSa] rks
daiuh izLrkodrkZ dh fpfdRlk tk¡p] ;fn ykxw gks] ij mixr O;; dh
dVkSrh djus ds ckn mls vkosnu jkf'k okil dj nsxh A;fn dksbZ fo'ks"k
Hkkx vkids fy, ykxw ugha gksrk gS rks —i;k "ykxw ugha" ;k "_"
fy[ksa vkSj izLrko QkeZ iwjk Hkjsa A vohok lR;kiu ds mÌs'; ls vkils
laidZ djsxh tks vkids laidZ C;kSjs dh tk¡p djus dk vk/kkj gksxk
A,u,oh ØsfMV dh rkjh[k@gkehnkjh dh rkjh[k@lR;kiu dh rkjh[k] buesa
ls tks Hkh ckn esa gks] gksxk AvuqykHk fun'kZu bl vkosnu dk vfHkUUk
Hkkx gS A ikfylh/kkjd dks bl ij gLrk{kj djuk vko';d gS AjkbMj
vfuok;Z ugha gSa vkSj vfrfjä ykxr ij miyC/k gSaA
Ver 3.8
(Applicable For Ulip Policy)
In accordance with Section 45 of the Insurance Act 1938, as
amended from time to time, the proposer is required to give full
and accurate information to enable the Company underwrite this
proposal.
Advisor
Advisor
(APPLICABLE FOR ULIP POLICY)
;wfuV ÇyDM Iyku esa] fuos'k iksVZQksfy;ks esa fuos'k dk tksf[ke
ikfylh /kkjd }kjk ogu fd;k tkrk gS ¼;wfyi ikfylh ds fy, ykxw ½
dsoy dk;kZy;hu iz;ksx gsrq xzkgd vkbZMh ikfylh la[;k
��ताव la[;k
सलाहकार dk uke
सलाहकार क� सं�या
orZeku xzkgd ds fy,
lkÖksnkj cSad
cSad ,';ksjsal pSuy ds fy, dsoy
lsDVj 'kgjh xzkeh.k lkekftd ,uvkbZ mRikn dk uke
xkao dk fof'k"V dksM
��ाव जमा करने का �ौरा okmpj la[;k
pSd @ MhMh la[;k
jkf'k olwy fd;k x;kLVkQ ,p,uvkbZ
izLrko QkeZ
�ट�प�णयाँ:-
igyk thou] ftldk chek fd;k tkuk gS] ds fooj.k (—i;k dsoy Li"V
v{kjksa esa Hkjsa)
cSad 'kk[kk dksM
xzkgd [kaM ,lih izek.k&i= la-
Specimen only- Not valid for application
-
irk(tgk¡ t+:jh gks] ogk¡ ekQZr] lqiq=@
lqiq=h@iRuh@ifr@firk n'kkZ,¡½
ySaMekdZ fiu dksM
'kgj / xkao tyka jkT;
Q+ksu
,lVhMh dksM Q+ksu uacjeksckby
irk
ySaMekdZ fiu dksM
'kgj / xkao tyka jkT;
Q+ksu
,lVhMh dksM Q+ksu uacjeksckby
vkoklh; fLFkfr Hkkjr esa ugha jgus okysHkkjr esa jgus okys fuokl
dk ns'k crk,¡
i=kpkj dk irk vkokl LFkkbZdk;kZy;
orZeku vkoklh; irk (—i;k irs ds izR;sd Hkkx ds chp txg
NksM+sa½
irk(tgk¡ t+:jh gks] ogk¡ ekQZr] lqiq=@
lqiq=h@iRuh@ifr@firk n'kkZ,¡½
ySaMekdZ fiu dksM
'kgj / xkao tyka jkT;
Q+ksu
,lVhMh dksM Q+ksu uacjeksckby
;fn vki Hkkjrh; gSa ;k Hkkjrh; ewy ds gSa ysfdu Hkkjr esa ugha
jgrs gSa] rks —i;k ,uvkjvkbZ iz'ukoyh Hkjsa A
;fn orZeku vkoklh; irs ls vyx gks rks
vkidk inuke
D;k vkids dke esa dksbZ fo'ks"k tksf[ke gS ¼tSls jklk;fud
dkj[kkuk] [kku] foLQksVd] la{kkjd jlk;u vkfn½ ;fn gk¡] rks —i;k
C;kSjk crk,¡
laxBu @ O;olk; dk uke
chekjf{kr O;fä dh okÆ"kd vk; #- & ;fn dekrs ugha gSa rks
jksxh@iRuh ;k ifr dh okÆ"kd vk; #- &
bZesy vkbZMh
vk;q dk izek.k Ldwy@dkWyst dk izek.k i= uxj ikfydk ds vfHkys[k
j{kk igpku i= ikj i= vU; ¼mYys[k djsa½
vk; dj ih,,u la[;k
Duration of Course
osruHkksxh O;olk; ds Lokeh Lo&fu;ksftris'kk fo|kFkhZ
x`fg.kh fdlku vU; ¼mYys[k djsa½
LukrdksŸkj Lukrd fMIyksek 12oha mŸkh.kZ 12oha ls de vU; ¼mYys[k
djsa½ 'kSf{kd ;ksX;rk
lsokfuo`Ÿk @ isa'kuHkksxh
;fn fo|kFkhZ gSa orZeku esa v/;;ujr ikB~¸kØe
------------------------------------------------------------ (b)
laLFkku dk uke (C) ikB~¸kØe dh vof/k
gk¡ ugha
LFkkbZ irk
chek fd, tkus okys O;fä ds dk;Z fooj.k
dk;Z dh Bhd&Bhd iz—fr ooj.k nsa tSls [kk|kUUk@diM+s dk
O;kikj] VSDlh pykuk@Mk;e.M fu;kZr dk dkjksckj vkfn
-
chekjf{kr nwljs O;fä ds fooj.k] ;fn ykxw gksa (कपया केवल �प�ट
अ�र� म� भर�)ृ
chek fd, tkus okys O;fä ds dk;Z fooj.k
dk;Z dh Bhd&Bhd iz—fr
vkidk inuke
D;k vkids dke esa dksbZ fo'ks"k tksf[ke gS ¼tSls jklk;fud
dkj[kkuk] [kku] foLQksVd] la{kkjd jlk;u vkfn½ ;fn gk¡] rks —i;k
C;kSjk crk,¡
laxBu @ O;olk; dk uke
chekjf{kr O;fä dh okÆ"kd vk; #- ;fn dekrs ugha gSa rks
jksxh@iRuh ;k ifr dh okÆ"kd vk; #-
bZesy vkbZMh
gk¡ ugha
ySaMekdZ fiu dksM
'kgj ftyka jkT;
Q+ksu
Q+ksu ,lVhMh dksM eksckby
irk
vk;q dk izek.k Ldwy@dkWyst dk izek.k i= j{kk igpku i= ikj i= vU;
¼mYys[k djsa½Ldwy@dkWyst dk izek.k i=
iwjk uke : ikfylh ds izek.k&i= ij vkidk uke bl rjg fn[ksxk A
uke ds izR;sd Hkkx ds chp txg NksM+saA
'kh"kZd Jh@Jherh@lqJh@MkW- igyk uke
e/; dk uke miuke
'kh"kZd Jh@Jherh@lqJh@MkW- igyk uke
e/; dk uke miuke
'kh"kZd Jh@Jherh@lqJh@MkW- igyk uke
e/; dk uke miuke
igyk uke (;fn fookfgr efgyk dk thou chek djuk gks½
firk dk uke
tUe frfFkÇyx
frfFk ekg o"kZ
iq#"k
efgyk
vfookfgr
fo/kok ¼fo/kqj½
fookfgr
rykd'kqnk 3 ls vf/kd
cPpksa dh la[;k
jk"Vªh;rk Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä jk"Vªh;rk
crk,¡
oSokfgd fLFkfr
vkoklh; fLFkfr Hkkjr esa ugha jgus okysHkkjr esa jgus okys fuokl
dk ns'k crk,¡2.9
Duration of Course
osruHkksxh O;olk; ds Lokeh Lo&fu;ksftris'kk fo|kFkhZ
x`fg.kh fdlku vU; ¼mYys[k djsa½
LukrdksŸkj Lukrd fMIyksek 12oha mŸkh.kZ 12oha ls de vU; ¼mYys[k
djsa½ 'kSf{kd ;ksX;rk
lsokfuo`Ÿk @ isa'kuHkksxh
;fn fo|kFkhZ gSa orZeku esa v/;;ujr ikB~¸kØe
------------------------------------------------------------ (b)
laLFkku dk uke (C) ikB~¸kØe dh vof/k
Phone No.
-
izLrkodrkZ ds fooj.k (;fn chekjf{kr O;fä ls vyx gks½
fLFkfr O;fä ,p;w,Q lkÖksnkjh dkiksZjsV U;kl ljdkjh fudk;
izLrkodrkZ dk iwjk uke
Q+ksVks yxk,¡
miuke
miuke
e/; dk uke
e/; dk uke
'kh"kZd Jh@Jherh@lqJh@MkW-igyk uke
'kh"kZd Jh@Jherh@lqJh@MkW-igyk uke
firk dk uke
izLrkodrkZ ds fooj.kD;k vkids uke dksbZ chek ikfylh gS
dqy okÆ"kd izhfe;e¼ #- vadksa esa½
izLrkodrkZ ds dk;Z laca/kh fooj.k
bZesy vkbZMh
izLrkodrkZ dk irkikfylh ds izek.k&i= ij vkidk uke bl rjg
fn[ksxk A uke ds izR;sd Hkkx ds chp txg NksM+saA
bZesy vkbZMh
D;k vkids dke esa dksbZ fo'ks"k tksf[ke gS ¼tSls jklk;fud
dkj[kkuk] [kku] foLQksVd] la{kkjd jlk;u vkfn½;fn gk¡] rks —i;k
C;kSjk crk,¡
okÆ"kd vk; #-
;fn vki Hkkjrh; gSa ;k Hkkjrh; ewy ds gSa ysfdu Hkkjr esa ugha
jgrs gSa] rks —i;k ,uvkjvkbZ iz'ukoyh Hkjsa A
tUe frfFkÇyx
frfFkekg o"kZ
iq#"k
efgyk
vfookfgr
fo/kok ¼fo/kqj½
fookfgr
rykd'kqnk 3 ls vf/kd
cPpksa dh la[;k
jk"Vªh;rk& Hkkjrh; fons'kh ukxfjd Hkkjrh; ewy ds O;fä
jk"Vªh;rk crk,¡
oSokfgd fLFkfr
vkoklh; fLFkfr Hkkjr esa ugha jgus okysHkkjr esa jgus okys fuokl
dk ns'k crk,¡
ySaMekdZ fiu dksM
'kgj ftyka jkT;
Q+ksu
,lVhMh dksM Q+ksu uacjeksckby
irk
ySaMekdZ fiu dksM
'kgj ftyka jkT;
Q+ksu
,lVhMh dksM Q+ksu uacjeksckby
irk
gk¡
gk¡
ugha
ugha
dk;Z dh Bhd&Bhd iz—fr
vkidk inuke
laxBu @ O;olk; dk uke
-
D;k vki fdlh nwljs O;fä dh thou chek ikfylh ds izhfe;e dk
Hkqxrku dj jgs gSa?
;fn gk¡] rks dqy okÆ"kd izhfe;e
rhljk ukferh
(chek vf/kfu;e 1938 dh /kkjk 39 ds rgr½
o"kZ o"kZ
tUe frfFk
ekg ekgfrfFk frfFk
;fn mi;qZä ukferh vkids ekrk firk@iRuh ;k ifr@cPpksa ds vykok
dksbZ vU; O;fä gS] rks uhps nh xbZ txg esa ,sls ukekadu dk dkj.k
crk,¡ &
¼;fn ukferh vo;Ld gS] rks fu;qä O;fä ds C;kSjs uhps nsa½ (o;Ld
gksuk vko';d½
chek jf{kr jkf'k ¼;fn ykxw gks½
xzkgd funsZf'kr ¼vadksa esa½
Iyku dh vof/k] o"kks± esa ¼;fn ykxw gks½
Iyku dk uke
vkosnu fd, x, Iyku ds fooj.k
uksV & la;qä O;fä;ksa ds ekeys esa] ;g ukekadu chekjf{kr
nksuksa O;fä;ksa dh ,d lkFk e`R;q gksus ;k vafre thfor chekjf{kr
O;fä dh e`R;q gksus ij izpkfyr gksxk
fu;qä O;fä ds gLrk{kj
fodYi xfodYi [kfodYi dfodYi pqusa ¼;fn ykxw gks½
/kweziku ugha djrs/kweziku djrs gSaoxZ pqusa ¼;fn ykxw gks½
vf/kdreU;wuredoj dk Lrj ¼;fn ykxw gks½
pquk x;k jkbMj
jkbMj
vohok nq?kZVuktU; e`R;q fgrykHk
chek jf{kr jkf'k
vohok O;kid LokLF; fgrykHk
vohok nq?kZVuktU; e`R;q vkSj vaxPNsnu
vohok gsYFk xkMZ jkbMj vohok cky f'k{kk jkbMj
vk;@ifjokj dh vk; fgrykHk jkbMjvohok VeZ@VeZ Iyl jkbMj
vohok Hk;kud chekjh
ukekadu dk C;kSjk (;fn chekjf{kr O;fä vkSj izLrkodrkZ ,d gks rks
Hkjsa½
ukferh dk uke igyk ukferh nwljk ukferh
tUe frfFk
irk
izhfe;e Hkqxrku djus dh vof/k] o"kks± esa ¼;fn ykxw gks½
okÆ"kd izhfe;e #- esa ¼;fn ykxw gks½
vk;q dk izek.k uxj ikfydk ds vfHkys[k j{kk igpku i= ikj i= vU;
¼mYys[k djsa½Ldwy@dkWyst dk izek.k i=
gk¡ ugha
vk; dj ih,,u la[;k
gdnkfjrk dk izfr'kr
बीमा रि�त ��� से संबंध
ÃÅñîÔÆéÅqwrI^
o"kZekgfrfFk
irk
jkbMj chek jf{kr jkf'k
-
Dynamic P/E Fund
lwphdj.k fodYi ¼;fn ykxw gks½
bZlh,l
Lopkfyr ifjlaifŸk vkcaVu*¼;fn ykxw gks½
vko`fŸk ds vuqlkj izhfe;e ¼#- esa½
okÆ"kd v/kZokÆ"kd ,d izhfe;eekfldizhfe;e dh vko`fŸk frekgh
ØsfMV dkMZनकद िडमांड ड� ा� Mk;jsDV MsfcV
baMsDl QaM & IIMk;ufed ih@bZ QaM
bZMhlh
LokLF; ,oa dk;Zdyki Hkkx
;fn vki Lopkfyr ifjlaifŸk vkcaVu Iyku pqurs gSa] rks vkidks vius
izhfe;e dks mi;qä QaM ds chp gh vkcafVr djuk gksxk
QaM ds izdkj ¼;fn ykxw gks½
xzksFk QaM & IIizksVsDVj QaM & IIcSysaLM QaM &
II
ih,l;w QaM
—i;k izR;sd ;wfuV ÇyDM QaM esa vki ftruk fuos'k djuk pkgrs gSa]
mlds izhfe;e dk izfr'kr crk,¡ ¼dqy 100% gksuk pkfg,½ A izR;sd p;fur
QaM esa U;wure vkcaVu 10% gksuk pkfg, A
lkIrkfgd;fn gk¡flLVesfVd VªkalQj Iyku ¼;fn ykxw gks½
bUÝkLVªDpj QaMckaM QaM & II,UgSalj QaM & II
;fn iz'u d, [k, x (II) vkSj ?k ¼ii), ³] p] N ¼iii) ds fy, vkidk
mŸkj gk¡ gS] rks uhps fn, x, Vscy esa vfrfjä tkudkjh iznku djsa A
uhps nh xbZ tkudkjh ls gesa vkids izLrko ijfcuk fdlh nsjh ds vfrfjä
iz'u iwNus esa lqfo/kk gksxh A
चेकHkqxrku dk ojh; ek/;eMsfcV@ØsfMV dkMZ izLrkodrkZ ds uke ij
gksus pkfg,
advisor
D;k vkids uke ij cSad [kkrk gS
yackbZ ¼lsa-eh- esa½
D;k vki ikfylh dh rkjh[k ihNs djuk pkgrs gSa
Cpr [kkrk
dsoy ikjaifjd mRiknksa ds fy,
Pkkyw [kkrk
;fn gk¡] rks cSad ds fooj.k nsa (Mk;jsDV MsfcV@ØsfMV dkMZ@bZlh,l
ds ekeys esa vfuok;Z½
[kkrs dk izdkj
cSad [kkrk la[;k
ØsfMV dkMZ la[;k
cSad dk uke
;fn gk¡] rks 'kq# djus dh rkjh[k (pkyw foŸkh; o"kZ esa½
chekj{kk fd, tkus okys O;fä dk ifjokj vkSj futh fooj.k
futh fooj.k
igyk O;fä nwljk O;fä
maph otu
ot+u ¼fd-xzk- esa½
D;k fiNys 1 o"kZ esa vkidh ot+u esa 5 fd-xzk- ls vf/kd dk
ifjorZu gqvk gS
mldk dkj.k
ekfld
,uvkjvks@,uvkjbZ
o"kZekgfrfFk
?kVk c
-
D;k vki /kweziku djrs gSa ;k flxkj] flxjsV] chM+h ;k rackdw;qä
dksbZ vU; mRikn ¼iku elkyk vkfn½ dk lsou djrs gSa ;k dHkh fd;k
gS
ܶÕð Ô» å» ÇÕðêÅ ÕðÕ¶ âðµ× ç¶ éÅî Áå¶ ô°ðÈ Õðé çÆ Áå¶ Ûµâ¶ ÜÅä
çÆ ÇîåÆ ÃÇÔå êÈðé ò¶ðò¶ êÌçÅé Õð¯Í
First Life Second Life
dc ls
;fn gk¡] rks vki fnu esa fdruh flxjsV@flxkj@chM+h @ rackdw dk
lsou djrs gSa
ÕÆ å°Ãƺ ÕçÆ ÇÃ×ðà / å¿ìÅÕÈ ç¶ Ã¶òé ù صà Õðé / êðÔ¶÷ Õðé ñÂÆ
âÅÕàðÆ ÃñÅÔ çÆ î¿× ÕÆåÆ Ü» ñÂÆ ÔË?
ôðÅì
ÕÆ å°Ãƺ ÕçÆ ôðÅì çŠöòé ÕÆåÅ Ü» êÆåÆ ÔË?
ܶÕð Ô», å» êÌåÆ ÔëåÅ å°Ãƺ ôðÅì çÆ ÇÕ¿éÆ îÅåðÅ êÆºç¶ Ô¯? (A
ÇÂÕÅÂÆ =A/B ì¯åñ ìÆÁð / A ×ñÅà òÅÂÆé/ A êËµ× îÅê ÃÇêÌ¿à)
ÇÕ¿é¶ Ã 寺
ÕÆ å°Ãƺ ÕçÆ ôðÅì êÆä çÆ îÅåðÅ ù صà Õðé Ü» êðÔ¶÷ Õðé ñÂÆ âÅÕàðÆ
ÃñÅÔ çÆ î¿× ÕÆåÆ Ü» ñÂÆ ÔË?
âðµ× (çòÅÂÆ) çÆ ç°ðòð寺
ÕÆ å°Ãƺ Ô°ä Ü» ÕçÆ òÆ êÇÔñ» À°ÇÚå âÅÕàðÆ Çé×ðÅéÆ ç¶ ÁèÆé âÅÕàðÆ
ÔÅñÅå ç¶ ÇÂñÅÜ ñÂÆ Ô¯ð ÇÕö òÆ åð·» çÆÁ» âðµ× ÇÜò¶º ÇÕ
Á˺ø¶à¶îÅÂÆéÃ, ìÅðÇìàÈð¶àÃ, í¿×, Õ¯Õ¶é, ÔÅñ°ÕÆé¯Ü¶éÃ,
Üó·ÆÁ»-ìÈàÆÁ», ÁëÆî ÇîÇñÁÅ éôÅ, çðç ÔàÅÀ°ä òÅñÆ çòÅÂÆ, دñ ÁÅÇç çÆ
òð寺 Õð ðÔ¶ Ô¯ Ü» ÕÆåÆ ÔËÍ
v.
vi.
vii.
viii.
ix.
x.
xi.
xii.
xiii.
xiv.
xv.
xvi.
iv.
iii.
First Life Second Life
A. Are you currently receiving any medical treatment or are you
awaiting medical or surgical consultation, test or investigation?
(You need not disclose matters relating to uncomplicated pregnancy,
common colds, influenza,hay-fever or any minor ailment requiring a
single consultation)
i.
ii.
kI qusIN mOjUdw koeI fwktrI ielwj lY rhy ho jW kI qusIN fwktrI
jW srjIkl slwh, jW pVqwl dw ieMqzwr kr rhy ho? quhwnUM sDwrn
grBkwl, Awm zukwm, nzlw, prwg-buKwr jW isr& slwh-mSvry vwly
Coty-moty rog sMbMDI mwmly dw Kulwsw krn dI loV nhIN hY[
B. Have you ever had any medical or surgical treatment,
including investigations, tests, scans or X-Ray for anyof the
following illnesses or medical conditions:
kI qusIN kdI vI hyT ilKI ibmwrI jW fwktrI hwlwq leI pVqwl, jWc,
skYn jW AYks-ry sihq fwktrI jW srjIkl ielwj ilAw hY:
High blood pressure, angina, heart attack, stroke or any other
disorder of heart or circulation?au~c rkq dbwA, gly dy rog, idl dw
dOrw, dorw jW idl dI koeI vI AivvsQw jW dOrw?
Any form of cancer, tumor or growth?kYNsr, rsOlI jW vwDy dI koeI
vI iksm?
Disorder of skin or lymph glands?cmVI dI gVbVI jW lsIkw
glYNf?
Diabetes, kidney or liver problem?mDumyh, gurdy jW ijgr dI koeI
vI sm`isAw?
Colitis or any other stomach, bowel or bladder problem?kulMj jW
pyt, pKwnw jW blYfr dI koeI vI sm`isAw?
Mental or nervous illness (including depression) lasting for
more than 3 months and/or requiring more than 10 consecutive days
off work?3 mhIinAW qoN izAwdw Aqy/jW kMm dy 10 islislyvwr idnW qoN
izAwdw mwnisk jW nwVI-pRbMDn dI ibmwrI (audwsIn sihq)
Asthma, bronchitis, pneumonia, TB or any other respiratory or
lung disorder?swh, sozS, inmUnIAw, tI.bI. jW swh dI koeI hor ibmwrI
jW PyPiVAW dI gVbVI
Ulcer, chronic diarrhoea, hepatitis or jaundice?PoVw, dwiemI
dsq, hYpytweIts jW pIlIAw
Congenital disorder, anemia, bleeding or blood disorder?pYdwieSI
gVbVI, KUn dI kmI, KUn vihxw jW KUn dI gVbVI?Reproductive organ or
prostrate disorder?jxn-AMg jW mUDy lMmy pYx dI gVbVI
Arthritis, gout or joint pain, muscle, bone fracture or
disorder?gTIAw jW joVW dw drd, mws-pySIAW, h`fI dw tu`txw jW
gVbVI?
AIDS or AIDS related complex or test indicating presence of
HIV?eyfs jW eyfz sMbMDI jitlqw jW AY~c. AweI. vI. dI mOjUdgI
drswauNdI jWc
Any other illness, surgery or injury?koeI vI hor ibmwrI, srjrI
jW s`tDo you have any bodily deformities?kI quhwnUM koeI vI srIrk
kurUpqw hY?
Do you have any health symptoms or complaints for which a
physician has not been consulted ortreatment received? eg:
persistent fever, unexplained weight loss, loss of appetite, pain,
swelling etc.?kI quhwnUM koeI vI ishq l`Cx jW iSkwieqW hn ijs leI
iksy fwktr leI slwh-mSvrw nhIN kIqw igAw jW ielwj nhIN
ilAw igAw? audhwrx leI: h`TI buKwr, Axjwx Bwr dw Gt jwxw, Bu`K
dw Gt jwxw, drd, sozS Awid?
igyk O;fä nwljk O;fä
Multiple sclerosis, epilepsy, tremor, numbness, double vision or
giddiness?bhu-sklyrIAs, imrgI, kWbw, suMnqw, do-p`KI idRStI jW
Gbrwht hoxI
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
Yes No Yes Nogk¡ gk¡ugha ugha
gk¡ ugha gk¡ ugha
gk¡ ugha gk¡ ugha
gk¡ ugha gk¡ ugha
gk¡ ugha gk¡ ugha
gk¡ ugha gk¡ ugha
igyk O;fä nwljk O;fä
-
J. Are you or your Nominee a Politically Exposed Person (PEP)
?
Politically Exposed Persons(PEP)are individuals who are or have
been entrusted with prominent public functions, for example
Heads/Ministers of Central/State government, Senior politicians ,
Senior government/Judicial /Military officers, Senior Executive of
State owned Corporations, important polictical party officials
& immdeiate family member of above persons(Spouse, Children,
Parents and Siblings, In-laws)
K. If you hold any government card / ID which is specifically
issued for economic and financially backward strata of the society
like BPL /APL Card, MNREGA Card etc., please give details (please
state NA or not applicable, if this is not applicable to you)
L.
D;k vkidks dh LokLF; laca/kh dkj.kksa ls dke ls NqV~Vh ysuh iM+h
A
dke ds vykok] D;k lsgr ds dkj.k vkids jkstejkZ ds dkedkt
izHkkfor gq, gSa
D;k vki xHkZorh gSa ?
dsoy efgyk thou ds fy, &
fookfgr efgykvksa ds fy,] ifr ds chek laca/kh C;kSjs chekjf{kr
jkf'k
D;k vkidks dksbZ óh&jksx Fkk ;k gS
D;k orZeku esa ;k vrhr esa] vkidks xHkZ/kkj.k laca/kh dksbZ
ijs'kkfu;k¡ Fkha ;k gSa ?
;fn gk¡] rks xHkZ/kkj.k ds g¶rksa dh la-
;fn vkids ikl dksbZ ljdkjh i=@igpku i= gS ftls lekt ds vkÆFkd
rFkk foŸkh; :i ls fiNM+s izkf/kdkjh }kjk tkjh fd;k x;k tSls
chih,y@,ih,y dkMZ] eujsxk i= vkfn] —i;k fooj.k nsa
(;fn ;g vkids fy, ykxw ugha gksrk gS rks yk-u- ;k ykxw ugha
fy[ksa½
igyk O;fämi;qZä iz'uksa ds mŸkj gk¡ gksus ij laiw.kZ fooj.k nsa]
ftlesa fpfdRldh; ifjfLFkfr@chekjh@pksV dh iz—fr] rkjh[k] dkj.k]
otg] y{k.k] bykt] ifj.kke] bykt dj jgs MkWDVj dkuke vkSj irk lfgr
iwjs C;kSjs gksa
mi;qZä iz'uksa ds mŸkj gk¡ gksus ij laiw.kZ fooj.k nsa] ftlesa
fpfdRldh; ifjfLFkfr@chekjh@pksV dh iz—fr] rkjh[k] dkj.k] otg]
y{k.k] bykt] ifj.kke] bykt dj jgs MkWDVj dk ukevkSj irk lfgr iwjs
C;kSjs gksa
nwljk O;fä
iz'u la-
chek j{kk fd, tkus okys O;fä ds ifjokj ds C;kSjs
iz'u la-
orZeku vk;q
(Vscy dks Hkjus ds fy, mi;qZä vuqPNsn ns[ksa½
;fn thfor gSa
igyk O;fä
ifjtu e`R;q dk dkj.k
;fn e`R;q gks xbZ gS
LokLF; dh gkyr
firk
ekrk
*HkkbZ*cgu ¼cgusa½
e`R;q ds le; vk;q
D;k vkids fo#) dksbZ vkijkf/kd vkjksi yxs@vkijkf/kd dkjZokbZ dh
xbZ rFkk@;k orZeku esa blls igys vkids fo#) dksbZ vkijkf/kd vkjksi
yafcrFkk ;k gS vFkok vkidks fdlh vkijkf/kd dk;Zokgh esa vijk/kh
ekuk x;k rFkk@;k tekur ij jgs@fgjklr esa jgs@fuyafcr ltk gqbZ ?;fn
gk¡] rks vkjksi dh rkjh[k] dkj.k vkSj iz—fr lfgr iwjs C;kSjs nsa
A
jktuhfrd izHkko okys O;fä ¼ihbZih½ os O;fä gksrs gSa ftUgsa
izeq[k lkoZtfud dk;Z ns[krs gSa ;k ftUgsa ,slk dk;Z lkSaik x;k gS]
tSls dsUnzh;@jkT; ljdkj ds izeq[k @ ea=h] ofj"B jktusrk] ofj"B
ljdkjh@U;kf;d @lSU; vf/kdkjh] jkT; ds LokfeRo okys fuxeksa ds ofj"B
dk;Zikyd] egRoiw.kZ jktuhfrd ikVhZ ds inkf/kdkjh vkSj mi;qZä
O;fä;ksa ds izR;{k ifjtu ¼iRuh ;k ifr] cPps] ekrk firk vkSj HkkbZ
;k cgu] nkekn ;k cgw½
—i;k chek j{kk fd, tkus okys O;fä ds ifjtuksa ds fooj.k nsa A
blds vykok] ;fn ifjtu fny dh chekjh] gªn;k?kkr] mPp jä pki]
e/kqesg] fdlh izdkj dh vk¡[k dh chekjh] dSalj] xqnsZ dh chekjh]
i{kk?kkr ;k fdlh vkuqokaf'kd@ikfjokfjd chekfj;ksa] fdlh laØked jksx
tSls Vhch vkfn ;k fdlh ,slh chekjh ls ihfM+r gSa ;k jgs gSa ;k blds
dkj.k e`R;q gqbZ gS tks ;gk¡ mfYyf[kr ugha gS] rks bl ckjs esa uhps
fn, x, Vscy esa crk,¡
gk¡ ugha
gk¡ ugha
gk¡ ugha
gk¡ ugha gk¡ ugha
gk¡ ugha
gk¡ ugha
gk¡ ugha
gk¡ ugha
gk¡ ugha
gk¡ ugha
-
D;k vkidk QSfeyh MkWDVj gS (QSfeyh MkWDVj og gksrs gSa tks
fpfdRldh; chekfj;ksa ds fy, fu;fer :i ls lykg nsrs gSa ;k ftuls
lykg fy;k tkrk gS½
;fn gk¡] rks QSfeyh MkWDVj ds fooj.k nsa
;fn gk¡] rks QSfeyh MkWDVj ds fooj.k nsa
'kkSd@;k=k ds fooj.k
D;k vki fdlh eksVj LiksVZ] p
-
NksVh chekfj;ksa ds vykok] D;k vkius viuh tfVy chekjh ;k LokLF;
ikfylh ij dksbZ nkok fd;k gS ftlds fy, vkidks iwjh jkf'k feyh
D;k thou] LokLF; ;k tfVy chekjh ds fy, vkids }kjk cgkyh ds fy,
fd, x, izLrko ;k vkosnu dks fo'ks"k 'krks± ij vLohdkj fd;k x;k]
LFkfxr fd;k x;k;k Lohdkj fd;k x;k vFkok D;k dHkh vkius vkosnu dks
okil fy;k
ifjokj ds chek ds fooj.k ¼;fn chekjf{kr O;fä fo|kFkhZ gS ;k
/kuktZu ugha djrk gS] rks bls Hkjk tkuk gS½ fuEufyf[kr tkudkjh dsoy
chek j{kk fd, tkus okys O;fä ds laca/k esa vko';d gS] izLrkodrkZ ds
laca/k esa ugha A
igyk O;fä nwljk O;fä
daiuh dk uke daiuh dk ukeikfylh la[;k ikfylh la[;kvk'oLr
/kujkf'k vk'oLr /kujkf'ktkjh djusdk o"kZ
tkjh djusdk o"kZfLFkfr fLFkfr
firk
ekrk
ifr@iRuh
HkkbZ@cgu
HkkbZ@cgu
HkkbZ@cgu
1 I/We declare and confirm that all the replies to the questions
in the proposal, the details furnished in the enclosed
questionnaires and the reports of any medical examination are
provided to the best of my/our knowledge and I/we have fully
understood the nature of the questions and importance of disclosing
all material information while answering such questions. I / We are
aware that the policy is sourced on the basis of limited health
questions and I/ We declare that no material information required
by Aviva Life Insurance Company India Limited (hereinafter referred
to as “the Company”) to assess the risks on my/our life is withheld
with me/us.
2 I/We undertake to notify the Company of any change in the
state of health of the life to be insured or as to my/his/her
occupation subsequent to the signing of this proposal and before
the acceptance of the risk by the Company.
3 I/we also certify that I/we have read and understood the
Benefits Illustrations and the sales literature as published by the
Company that were handed over to me/us along with this proposal
form.
4 I/We hereby authorise the Company to conduct
screening/confirmation/reconfirmation of my/our health status
through medical examinations which may include Laboratory tests,
Cardiac, Radiological investigations and other medical tests
including blood tests to detect bacterial/viral/fungal infections.
I/We hereby give my/our consent to undergo HIV ½ test by ELISA
method. I/We am aware that this tesl is only for screening purpose
and not confirmatory for HIV/AIDS. Based on the results of these
test, the Company reserves the right to accept, decline or offer
alternate terms on my/our proposal for life insurance. I/We
understand that these tests are being conducted as per the
Company's underwriting policy for assessing my/our risk profile and
I/We are hereby giving our consent for the same.
5 In order to enable the Company to assess the risk under this
proposal and any time thereafter, I/We hereby authorize the past
and present employer(s)/ business associates of mine, my medical
practitioner/ hospital/ medical source/ any life and non-life
Insurance Company/ organization or Life Insurance Association to
release to the Company the records of employment/ business or other
details of mine as may be considered relevant for acceptance or
otherwise of the proposal.
6 In order to enable the Company to assess the risk under my/our
proposal and any time thereafter, solely for the purpose of
issuance and administration of the policy resulting from this
proposal I/We agree and declare that the Company may without any
reference to me/us (or to my/our beneficiary, as the case may be)
disclose any information contained in the proposal, the annexure,
in the reports of any medical examination / laboratory tests or in
the documents submitted by me / or procured by the Company to any
other insurer or to any reinsurer, to any claims investigator or
any service provider engaged by the Company. Likewise the Company
may make available copies of the proposal form, annexures, reports
of any medical examination laboratory tests or any documents
submitted by me/us (or, as the case may be, by my/our
9. Declaration & Authorization
;fn gk¡] rks —i;k C;kSjk crk,¡
;fn gk¡] rks —i;k C;kSjk crk,¡
;fn gk¡] rks —i;k C;kSjk crk,¡
gk¡ gk¡ugha ugha
gk¡ gk¡ugha ugha
gk¡ gk¡ugha ugha
-
8 of 9
7 I/ We declare that the deposit towards the first premium and
the renewal premium to be paid under the Policy are from legally
assessed source of Income. In case the premium is paid from any
other account other than my /our own, I/we shall ensure that such
payment is permitted under Section 80C/80CCC of the Income Tax Act,
1961. I/We declare that in case I/we are found guilty of any
offence relating to Anti Money Laundering law, the Company will be
in within the rights to cancel the policy issued pursuant to this
proposal & forfeit all the premium.
8 I/ We hereby understand and agree that Fraud or
Misrepresentation would be dealt with in accordance with the
provisions of Section 45 of Insurance Act, 1938 as amended from
time to time.
9 I/We agree and confirm to the use of electronic medium,
including email, as a mode for communication from and to the
Company.
10 In case, for any reason this proposal has not been filled in
by me, I/we hereby declare that the contents of this application
for insurance, have been fully explained to me/us & I/we have
fully understood the significance of the proposed contract. This
proposal form shall be a part of the life insurance policy
contract, in case of its acceptance by the Company.
10.
beneficiary) or procured by the Company to any insurer to any
claims investigator or any service provider engaged by the Company
for servicing the policies. So also the Company may without any
reference to me/us (or, as the case may be, to my/our beneficiary)
furnish to any court / tribunal or other authority any such
information or proposal, annexure, reports or documents as may be
required of the Company or as may be considered necessary by the
Company.
vkils laidZ djus ds mi;qä le; ij lgh fpºu yxk,¡
igyk O;fä nwljk O;fä
chek j{kk fd, tkus okys O;fä ds gLrk{kj*@vaxwBs dh Nki*
QkeZ Hkjus okys O;fä }kjk ?kks"k.kk (;fn gLrk{kj ns'kh Hkk"kk
esa fd;k x;k gS] vaxwBs dh Nki yxkbZ xbZ gS] rFkk @ ;k ;fn izLrko
izLrkod }kjk ugha Hkjk x;k gS)
eSa ,rn~}kjk ?kks"k.kk djrk @ djrh gw¡ fd eSaus chek j{kk fd,
tkus okys O;fä @ izLrkod dks u, Iyku ds ckjs esa iwjh rjg leÖkk
fn;k gS vkSj ;g fd mlus bls vPNh rjg leÖk fy;k gS vkSj eSaus chek
j{kk fd, tkus okys O;fä @ izLrkod }kjk fn, x,
mŸkjksa dks lR;fu"Bk ls ntZ fd;k gS A
?kks"k.kk djus okys dk uke vkSj irk -
?kks"k.kk djus okys ds gLrk{kj
gLrfyf[kr ns'kh Hkk"kk esa ?kks"k.kk
lykgdkj @ ,lih ds gLrk{kj chek j{kk fd, tkus okys O;fä @ izLrkod
ds gLrk{kj
chek j{kk fd, tkus okys O;fä ds gLrk{kj*@vaxwBs dh Nki*izLrkod
ds gLrk{kj @ vaxwBs dh Nki¼;fn chek j{kk fd, tkus O;fä ls vyx O;fä
gks½
fnukad LFkkufnukad LFkkufnukad LFkku
?kks"k.kk ,oa izkf/kdj.keSa@ge ;g ?kks"k.kk djrk@djrh gw¡@djrs
gSa vkSj ;g laiq"V djrk@djrh gw¡@djrs gSa fd izLrko esa iwNs x,
iz'uksa ds lHkh mŸkj] layXu iz'ukoyh esa fn, x, fooj.k vkSj fpfdRlk
tk¡p ds fjiksVZ] tgk¡ rd esjh@gekjh tkudkjh gS] iznku fd, x, gSa
vkSj eSaus@geus iz'uksa dh iz—fr dks vkSj mä iz'uksa dk mŸkj nsrs
le; lHkh egRoiw.kZ tkudkjh dks izdV djus dh egŸkk dks leÖk fy;k gS
A eSa@ge bl ckr dks tkurk@tkurh gw¡ @ tkurs gSa fd bl ikfylh dks
lhfer LokLF; iz'uksa ds vk/kkj ij fy;k tk jgk gS vkSj eSa@ge ;g
?kks"k.kk djrk@djrh gw¡@djrs gSa fd esjs@gekjs thou dk ewY;kadu
djus ds fy, vohok ykbQ ba';ksjsal daiuh bafM;k fyfeVsM ¼ftls ;gk¡
blds ckn "daiuh" dgk x;k gS½ }kjk ,slh fdlh egRoiw.kZ tkudkjh dks
ugha fNik;k gS AeSa@ge bl izLrko ij gLrk{kj djus ds QyLo:i rFkk
daiuh }kjk tksf[ke dks Lohdkj djus ij] chek j{kk fd, tkus okys O;fä
ds LokLF; esa ;k vius@mlds is'ks esa dksbZ ifjorZu gksus ij daiuh
dks lwfpr djus dk opu nsrk@nsrh gw¡@nsrs gSa AeSa@ge ;g Hkh
izekf.kr djrk@djrh gw¡@djrs gSa fd eSaus @geus bl izLrko QkeZ ds
lkFk eqÖks@gesa fn, x, fgrykHk ds mnkgj.kksa rFkk daiuh }kjk
izdkf'kr foØ; lkfgR; dks i
-
41. (1) No person shall allow or offer to allow, either directly
or indirectly, as an inducement to any person to take or renew or
continue aninsurance in respect of any kind of risk relating to
lives or property in India, any rebate of the whole or part of the
commission payable or any rebate of the premium shown on the
policy, nor shall any person taking out or renewing or continuing a
policy accept any rebate, except such rebate as may be allowed in
accordance with the published prospectuses or tables of the
insurer:
Provided that acceptance by an insurance agent of commission in
connection with a policy of life insurance taken out by himself on
his own life shall not be deemed to be acceptance of a rebate of
premium within the meaning of this sub-section if at the time of
such acceptance the insurance agent satisfies the prescribed
conditions establishing that he is a bona fide insurance agent
employed by the insurer.
(2) Any person making default in complying with the provisions
of this section shall be liable for a penalty which may extend to
ten lakh rupees.
45 ¼1½ thou chek uhfr ds fdlh Hkh uhfr ds lEcU/k esa fdlh çdkj
dk ç'u fcek ikfylh dh fnukad ls rhu o"kZ ckn fdlh Hkh fLFkrh esa
ugha mBk;k tk,xk] vFkkZr] ikfylh ds fuxZr gksus dh frfFk ls ;k
tksf[ke dh çkjEHk dh frfFk ls ;k uhfr ds iqu#/nkj dh frfFk ls] ;k
ikfylh ds vuqo`/nh ds fnukad ls] tks Hkh ckn esa gksA
¼2½ thou chek uhfr ds fdlh Hkh uhfr ds lEcU/k esa fdlh çdkj dk
ç'u chek ikfylh dh fnukad ls rhu o"kZ ds vanj mBk;k tk ldsxk
vFkkZr] ikfylh ds fuxZr gksus dh frfFk ls ;k tksf[ke dh çkjEHk dh
frfFk ls ;k uhfr ds iq#/nj dh frfFk ls] ;k ikfylh ds vuqo`/nh ds
fnukad ls] tks Hkh igys gksA
c'krsZ dh] chek daiuh fyf[kr esa chek—r O;fä ;k chek—r O;fä ds
dkuwuh çfrfuf/k] çR;kf'k;ksa ;k leuqnsf'krh dks mä fu.kZ; ds vk/kkj
,oa dkj.k ls voxr djk;sA¼3½ mi&/kkjk ¼„½ esa fdlh ckr ds gksrs
gq,] dksbZ chek daiuh fdlh thou chek ikfylh dks /kks[kk/kMh ds
vk/kkj ij vLohdkj ugha dj ldrk] ;fn chek—r O;fä ;g fl) dj lds dh
v'kq) o.kZu ;k fdlh rF; dk neu mlds tkudkjh esa lR; ,oa lgh ugha gS
o tku cw>dj fdlh rF; dks fNikus dh mldh dksbZ ea'kk ugha gS ;k
v'kq) o.kZu ;k fdlh rF; dk neu tkudkjh esa ugha gSA¼4½ thou chek
uhfr ds fdlh Hkh uhfr ds lEcU/k esa fdlh çdkj dk ç'u chek ikfylh dh
fnukad ls rhu o"kZ ds vanj mBk;k tk ldsxk vFkkZr] ikfylh ds fuxZr
gksuh ds frfFk ls ;k tksf[ke dh çkjEHk dh frfFk ls ;k uhfr ds
iqu#/nkj dh frfFk ls] ;k ikfylh ds vuqo`/nh ds fnukad ls] tks Hkh
ckn esa gks] bl vk/kkj ij dh vk;q&laHkkfork ds lEcU/k esa fd;s
x, dksbZ dFku ;k fdlh egRoiw.kZ rF; dk neu vlR; :i ls çLrko esa ;k
vU; nLrkostks esa fd;s x,] ftlij dh ikfylh tkjh dh x;h ;k iqu#/nkj
fd;k x;k ;k jkbMj tkjh dh x;hAc'krsZ dh] chek daiuh fyf[kr esa
chek—r O;fdr ;k chek—r O;fä ds dkuwuh çfrfuf/k] çR;kf'k;ksa ;k
leuqnsf'krh dks thou chek ikfylh ds vLohdkj djus ls lEcfU/kr
vk/kkjks ,oa dkj.kksa ls voxr djk;sA
vkxs] c'krsZ dh] fdlh Hkh ikfylh dks /kks[kk/kMh ds vk/kkj ij
ugha] vfirq v'kq) o.kZu ;k fdlh egRoiw.kZ rF; ds neu ds vk/kkj ij
vLohdkj djus dh n'kk esa] tks Hkh çhfe;e ikfylh esa ikfylh ds
vLohdkj fd;s tkus ds fnukad rd ,df=r fd;s x, gS] dks chek—r O;fä ;k
mlds fof/kd çfrfuf/k ;k çR;k'kh ;k leuqnsf'kfr dks vLoh—r djus dh
frfFk ls ‹å fnu ds Hkhrj okil djuk gksxkA ¼5½ bl mi&/kkjk esa
,slh dksbZ ckr chek daiuh] tks dh vk;q çek.k ekaxus dh ik= gks] dks
vk;q çek.k fdlh Hkh le; ekaxus ls çfrcaf/kr ugha djrh gS ,oa fdlh
Hkh ikfylh ij lansg dsoy bl vk/kkj ij djuk dh ikfylh ds 'krsZ
vuqorhZ çek.k ij lek;ksftr dh x;h gS fd chfer O;fä dh vk;q çLrko
esa vlR; crk;k x;k gSA
/kkjk 45 ds lEiw.kZ ewyikB ds fy;s le; le; ij la”kksf/kr (chek
vf/kfu;e, 1938) dks i