³±q`dr HyAc lgR - Bajaj Allianz · g¥^¥qZW egWtAp£ AWy h}c H}Br `yTrHd E\HcV qOg ²¾¯¥ ^pAY qe§M Kc Yy A¥Yc E\a} ... gcOcr Yy Adpep Hp§g`±qRH Op£ \dpgqRH gcOcr ; \rdp^tcY,

^OpO ApqdAp£g

³±q`dr HyAc lgR

WthpTy AWy WthpTy \qcepc dBr qBH qB§Hdp gepgX ^r`p g`pZp²¾ !

· OyHc ²¾er²¾rHcV dBr \ogWpqeW ^rq`W cpfr ¡OvYp ^rq`W cpfr ²¾pd~ e§Z h±, Wp£h \p§qdgr Yp ²¾er²¾rHcV gpTrAp£ hyS¾ qdIrAp£ OcvcWp£ ²¾¥ \vcp Hc²¾ epdy gY§g (Ap£) Yy AZr²¾ h}ByJr & ^rq`W cpfr qe§M qBg Wcªp£ Yy epZy ²¾¥ gerHpc Hc²¾ Yp AqZHpc H¥\²¾r Yy H}d gtc§qIAW h}ByJp &

· WthpTp \p§qdgr ²¾¥ ²¾er²¾rHcV Hc²¾ Yp AqZHpc q\Ndr \p§qdgr AeZr iW` h}V Wy 30 qY²¾p£ Yy A¥W Wy iW` h} OpByJp &

� hp§gq\RdpqBkyf²¾ dp_ dBr AgerqnWrAp

OyHc hp§gq\RdpqBkyf²¾ Op£ yTrHd IcMy Op£ Ypey hyS¾ qdIy qeM~ qHgy Wy X}\y JBy h²¾ Op£ ApZpqcW h²¾ Op£ E²¾ªp£ Yy HpcV h}By h²¾ Op£ qg§Zy Op£ Aqg§Zy cv\ qe§M g¥ ¥qZW h²¾ Wp£h Agr qHgy Wcªp£ Yy _tJWp²¾ dBr qO¥ yepc ²¾hs h}ep£Jy :i) hp§gq\RdpqBkyf²¾ AWy hg\Wpd YrAp£ gyepep£, qO²¾ªp£ Yp gtPpA TpHRc ²y¾ ²¾hs

qY§Wp h± Op£ TpHRc ²y¾ ¥Ovc ²¾hs HrWp h±;ii) Eh icMy O} epgWqeH Op£ yTrHd cv\ qe§M Ocvcr ²¾p h}V;iii) eO²¾ KRpEV Op£ eO²¾ eZpEV dBr E\Mpc;iv) A§Ip£ Yp \crIV, A§Ip£ Yy A\ecWH H`rAp£ AWy A±²¾Hp£, d|gp£, gtV²¾ Yy E\HcVp£

AWy \qhap HtcgrAp£ g yW E\HcVp£ Yp \opeZp²¾;v) Y¥Yp£ Yr H}Br YyI_pd Op£ Hp§g yqRH \oHpc Yy gcOcr, ²¾Hdr Y¥Y dJepEVp / Y¥Y

q²¾HdepEVp, qef Y¥Y Op£ Ap§cX}j²±¾qXH gcOcr, Op£ qHgy YtcKR²¾p Yy HpcV dJr g§R YtApcp OcvcW Yy Adpep R|\}c} |Tr tdc O}m qe§M H}Br Icp^r;

vi) ^p£P\²¾ Yy q²¾Yp²¾ dBr \crIV, ^p£P\²¾ Op£ ²¾\t¥gHWp dBr E\Mpc, qd¥J \qcecW²¾ Op£ EgYy ²¾pd g¥ ¥qZW h}c H}Br E\Mpc, Jc_\pW, ^p£P ^²¾pEV AWy Jc_q²¾c}ZH AWy EgYy ²¾pd g¥ ¥qZW h}c OqRdWpep£.

vii) Jc_pegXp ²¾pd g¥ ¥qZW E\Mpc, qOgYy qe§M AgXpq²¾H Jc_pegXp Yy Adpep O²y¾\p Op£ Jc_\pW (YtcKR²¾p Yy HpcV Yy Adpep) fpq`d h}ByJp.

viii) O²¾` Yy eydy ¡OvY fcrcr Icp^rAp£ g yW O²¾`OpW gqXWrAp£ dBr E\Mpc;ix) gpZpcV \o±HRrf²¾c ²¾¥ qYIpEV, q²¾aq`W gepgX \crIV, qBhqWApWr gyepep£,

A±Hat\¥HMc AWy A¥Ycv²¾r gope Yy MpcOyg, ³±q`dr TpHRc ²¾¥ c±lcd ³rg AWy qB²¾ - \yfzR Yy cv\ qe§M cqhV Op£ gcOcr HcepEV Yy Y¡cpV Ryqd³}²¾, Rydrqek²¾, Ai^pc AWy h}c Aa}J ²¾p§²¾ - yTrHd egWtAp£ dBr MpcOyg qe§M hyS¾ qdIy fpq`d h²¾ \c E²¾ªp£ WH grq`W ²¾hs h;

i. Ag¥ ¥qZW \crIVp£ / E\Mpcp£ Wy icM ii. CPAP, CAPD, qB²¾lavk²¾ \¥\ eJ±cp g yW q²¾Yp²¾ / E\Mpc dBr E\a}J

HrWy JBy qHgy \oHpc Yy ^phcr/qRHpGv yTrHd Op£ ²¾p§²¾ - yTrHd E\HcV iii. ep§Hc, ±gpIr, ±dR, Hp§dc, H±\, I\MrAp£, Jd\§RrAp£, \§RrAp£,

gRp§qH¥Jg, TpqBq^qRH OvWy, jdtH} rRc, Xc`p`rRc AWy qBgy Wcªp£ YrAp£ g¥ ¥qZW egWtAp£ AWy h}c H}Br yTrHd E\HcV qOg ²¾¥ ^pAY qe§M Kc Yy A¥Yc E\a}J HrWp Op g§HYp h±

iv. q²¾Or Apcp` / gtqeZp YrAp£ egWtAp£ qO¥ey qH ²¡¾Hcp²¾r (YyI_pd HcWp), ²¾pBr, q^GvRr YrAp£ gyepep£, Aphpc Yy MpcOyg, §My Yp Aphpc, Hp§g yqRHg, ²±¾\qH²¾g, \ogpZ²¾ Yp gp`p²¾, \ophtq²¾Ap£ YrAp£ gyepep£ eJ±cp

v. hg\Wpd YtApcp dJpBy JBy H}Br h}c Wcªp£ Yy gyep ftdH, AqZ_pc, Ypidy Yy MpcOyg, \¥OrHcV MpcOyg eJ±cp

x) t§I cv\ qe§M q²¾Yp²¾, A±Hg cy \crIV dBr hp§gq\RdpqBkyf²¾, hp§gq\RdpqBkyf²¾ AeZr Yy Y¡cpV nrApfrd E\Mpc YtApcp ¥qVAp ²¾p OpEV epdp gpZpcV fcrcH Op£ yTrHd M±H A\;

xi) Kcydv HpcVp£ Yy ²¾pd hg\Wpd qe§M cqhVp, qOgYy qe§M qHgy qefyf§J yTrHd \o±HRrf²¾c YtApcp H}Br nrApfrd q²¾aq`W E\Mpc ²¾p qY§Wp Op cqhAp h}e

xii) \opa}qJH Op£ Aqg§Z \onrApep£ Op£ E\Mpc, E\HcV Op£ qHgy eycey Yy lpc`pH}dp§qOHd q²¾a` (_pcWra yTrHd H|qgd YtApcp AgerqnW)

xiii) ²¾®gIy Wy ²¾p qdIrAp£ JBrAp£ YepBrAp£ Op£ yTrHd Ap\vcWrAp

xiv) A±d}\±qXH Yy Adpep qHgy h}c \oVpdr Yy WhW E\Mpcxv) Ocp qMqHWgp ( tqUAp£ Yp qBdpO), `p²¾qgH - Ocp qMqHWgp Op£ `²}¾qeqJApq²¾H

AegXp, \pJd\²¾, `p²¾qgH Op£ W¥Wt \oVpdr qe§M Icp^r / c}J Op£ Apcp` qMqHWgp dBr HrWy OpEV epdy E\Mpc;

xvi) gepgX dp_ HcepEV epdy HzYc ²¾cqg¥J h} g, HtYcWr E\Mpc Yy YepIp²y¾ AWy Eg Wcªp£ Yy HzYcp£ Wy drWrAp£ OpEV epdrAp£ gyepep£ dBr icMy;

xvii) fcp^ \rV Op£ ²¾frdy Wcd Yy qg§Zy Op£ Aqg§Zy E\a}J Op£ Oqhcrdp Wcd Op£ YepBrAp£ d±V Yy HpcV qHgy ^r`pcr Op£ YtcKR²¾p Yy HpcV d§Jr g§R Yy E\Mpc;

xviii) at§Z, h`dy, qeYyfr Ytf`Vp£ YrAp£ nrApep£, at§ZgqXWr (K}qfW at§Z h}ey Op£ ²¾p h}ey), Kcydv at§Z, ApW¥HepY, ^JpeW, hmWpd, Y¥Jy Op£ fqhcr Afp£Wr, np£Wr qe§M nrApfrd _pJrYpcr, cpOYo}h Op£ g±q²¾H Op£ q^²¾p AqZHpc qHgy Mrk ²¾¥ \op\W Hc²¾ Yr fHWr Op£ g±q²¾H ^dp£ qe§M \vcy g z WH gyep YyV Yy HpcV h}V epdp qg§Zp Op£ Aqg§Zp E\Mpc;

xix) A±HepacT qB`av²¾ T±³rqfBzgr qg¥To} (ByTg) AWy EgYy HpcV h}V epdy hat ±²¾ qB`at²}¾Tyq³qfBzgr epqBcg ²¾pd h}V epdy gpcy c}J Op£ ^r`pcrAp£

xx) a¡²¾ g¥ ¥Zp£ ²¾pd h}V epdy c}Jxxi) E²¾ªp£ gyepep£ Op£ E\Mpc dBr icM O} qHgy YvOy \§I YtApcp _tJWp²¾ HrWy Op£Yy h²¾

Op£ O} Hp`Jpc ^r`p a}O²¾p Yy WhW Ypep a}J ht¥Yy h²¾ ; qBg Wcªp£ Yy `p`dy qe§M, Agr Ap\Vy YtApcp _c\pBr HrWy OpEV a}J icMy qO²¾ªp£ qe§M H}Br h}c \§I Op£ Hp`Jpc ^r`p a}O²¾p fpq`d ²¾p ht¥Yr h}ey AWy h}c \§I Op£ Hp`Jpc ^r`p a}O²¾p YtApcp _c\pBr HrWr OpEV epdr Op£ _c\pBr HrWr Op Mt§Hr cpfr Yy A¥Wc Yr _c\pBr HrWr OpByJr &

xxii) qgcl YtcKR²¾p Yy HpcV d§Jr g§R Yy HpcV h}By ²¾®Hgp²¾ Yr `c§ W dBr Ocvcr gcOcr Yy Adpep Hp§g ±qRH Op£ \dpgqRH gcOcr ; \rdp tcY, geyY Jo¥Xr Ac tY, qH§d AWy J¥Oy\²¾ Yp E\Mpc;

xxiii) ²¾sYc qe§M gph Yr ctHpeR Yp AqZA±²¾ AWy E\Mpc;xxiv) Op²¾ vP Hy AgpZpcV IWcy Yy g¥\cH qe§M ApEVp (qHgy Yp Ore²¾ ^MpEV Yr

H}qff Yy Adpep);xxv) HzYcr qeg³}R, cyTrGZc`r \oYvfV AWy / Op£ HzYcr Op£ AVt g¥ ¥Zr EcOp Yp

qcgpA;xxvi) hyS¾ qdIy Yy HpcV ²¾pd Op£ E²¾ªp£ ²¾pd g¥ ¥qZW g§Rp£ : i. H`p£T} Op£ ¥ qTg\}k Hc²¾ Yr qTGvRr Op£ Royq²¥¾J, nrApfrd g±q²¾H AWy

\tqdg Yr qTGvRr qO¥ey Yyf Yr A¥Ycv²¾r fp£Wr ^²¾pBy cI²¾p, at§Z Yr gqXWr qe§M dr²¾ h}Vp, _pez at§Z K}qfW h}qBAp h}ey Op£ ²¾p h}qBAp h}ey, AWy g±q²¾Hp£ Yy hepBr OhpO Op£ g t¥Ycr OhpO qe§M apWcp Hc²¾p; Op

ii. fp£Wr ^²¾pBy cI²¾ Yy \oHpc Yr g±q²¾H qTGvRr qO¥ey qH gpZpcV Royq²¥¾J czO ecH Op£ g±q²¾H Aq_Apg

xxvii) YtcKR²¾p Yy HpcV d§Jr fcrcr g§R Op£ Op²¾ vP Hy Ap\Vy Ap\ ²¾¥ \ht¥MpBr JBr g§R Yy HpcV h}V epdp c}J; Op£ g`PYpc Op£ \pJd\²¾ Yr AegXp qe§M ItYHtfr Hc²¾ Yr H}qff dBr E\Mpc;

xxviii) YtcKR²¾p Yy HpcV d§Jr fcrcr g§R Op£ H¥²¾²¾r Ed¥KV Op£ Ed¥KV Yr H}qff Op£ H±Y h}V Yy \oqWc}Z Yy HpcV h}V epdy c}J dBr E\Mpc;

xxix) YtcKR²¾p Yy HpcV d§Jr fcrcr g§R Op£ qeegpqBH IyTp£, qHgy Wcªp£ Yr Y¡m, gHv p TpqBqe¥J, hepBr IyTp£, h|T jdpqBqT¥J, Jt§ pcy qe§M E§TV ecJrAp£ nrApep£ AWy qHgy Ipg ¥Ovcr YtApcp gerqnW H}Br h}c IWc²¾pH JWrqeZrAp£ Op£ IyTp£ Yy HpcV h}V epdy c}J dBr E\Mpc;

xxx) YtcKR²¾p Yy HpcV d§Jr fcrcr g§R Op£ qeegpqBH IyTp£, qHgy Wcªp£ Yr Y¡m, gHv p TpqBqe¥J, hepBr IyTp£, h|T jdpqBqT¥J, Jt§ pcy qe§M E§TV ecJrAp£ nrApep£ AWy qHgy Ipg ¥Ovcr YtApcp gerqnW H}Br h}c IWc²¾pH JWrqeZrAp£ Op£ IyTp£ Yy HpcV h}V epdy c}J dBr E\Mpc;

xxxi) qB¥WOpc AeZr Op£ gpTy YtApcp dpJv h}c fcWp£ AWy ctHpeRp£ qe§M ³§gy h}V Yy HpcV eydy Wy yTrHd gdph ²¾p q`d²¾ Yy ²¾pd Otmr AegXp

xxxii) IW²¾p ^fcWy c}J Yy E\Mpc dBr Ocvcr h}ey Op£ YtcKR²¾p Yy HpcV Ocvcr h}eyxxxiii) qUT / Mrm ³pm epdy hc²¾rAp Yy HpcV h}V epdy yTrHd icMy ^fcWy Agr \qhdy

Ap§\cyf²¾ dBr cH` MtHpBr h}eyxxxiv) hyS¾p£ Y§gy tWpq^H qB¥WOpc AeZr Yy A¥Yc q²¾Yp²¾, hg\Wpd qe§M Ypid h}Vp AWy

/ Op£ E\Mpc :

^r`pcrAp£ / c}J / qeApZrAp£ Op£ E\Mpc /gcOcrAp£ /\onrApep£

H}Br er ^r`pcrAp£ / c}J / qeApZrAp£ Op£ E\Mpc /gcOcrAp£ / \onrApep£

qHgy er Wcªp£ Yp hy\yRpqBqRg, qHgy er Wcªp£ Yr Rr.^r

Rp§²¾qgd, JqS¾ap; q\§S¾, crm Op£ crm Yr h§Tr qe§M H}Br Icp^r (qB²¾ecRoy od qTgH c}J Yy Adpep) ; hc²¾rAp dBr E\Mpc (qB²¾jqe²¾d hc²¾rAp Yy Adpep)

qHgy er Wcªp£ Yp H|gc, O}mp£ Yy qHgy er c}J Yp E\Mpc (JS¾rap, g¥\vcV J}Ty AWy Hvdªy ²¾¥ ^Yd²¾ AWy ApcXo}gH}\r Yy Adpep), JtcYy qe§M \§Xcr/ vWc ²¾dr qe§M \§Xcr/ qdqXoqRo\gr, }Wrapq ¥Yt, §MyYp²¾r Yr gcOcr (qhgRyc}HR} r), q\§W qe§M \§Xcr, H}dyT}M}d}qXapqgg, qefpdtWp Yy Adpep ±Yy AWy q\§W ²¾qdHpep£ Yr gcOcr, AqhWHpcr \o}gRyR hpqB\cRop§³r Yr gcOcr, hc²¾rAp (qB²¾jqe²¾d), h± }cp§qBTg, JtYp qe§M q³§fc, JtYp qe§M q³gRtdp, A²¾®g¥Zp²¾ dBr qUT Yr Mrm ³pmp, d±\H}d, q²¾Yp²¾ dBr d±\o}gH}\r, H}Br h}c qBgWcrAp£ ²¾pd g¥ ¥qZW c}J, hpqBTo}qgd, lpqB op§qBTg

qB¥WOpc AeZr

30 qY²¾

N: `hr²y¾

qBH gpd

Y} gpd

· qB¥WOpc AeZr Yp AcX h± \p§qdgr ftcv h}V Op£ \p§qdgr Yy qcepqBed Yr Wpcri W~ ftcvApWr AeZr qOgYy Y¡cpV gY§g (Ap£) ²¾¥ gvMr §Z ^r`pcrAp£ Op£ E\Mpcp£ Yp qcgH Hpc ftcv h}V dBr ETrH Hc²¾r \|Yr h± &

· YtcKR²¾p Yy HpcV hg\Wpd qe§M Ypid h}V / gcOcr Wy qB¥WOpc AeZr dpJv ²¾hs ht¥Yr h± &

²¾er²¾rHcV HrWr JBr \p§qdgr dBr qB¥WOpc AeZr ²¾¥ gY§g (Ap£) Yy qBg \dp²¾ Op£ qBgYy ²¾pd q`dYy OtdYy \dp²¾ Yy WhW gpTy ²¾pd ^rq`W cqhV Yy gpdp£ Yr g¥qIAp YtApcp KRpqBAp Op g§HYp h± ^fcWy \p§qdgr ²¾¥ q\Ndr \p§qdgr AeZr iW` h}V Yy ^pAY 30 qY²¾p£ Yy A¥Yc ²¾er²¾rHcV Hc drWp h}ey &

� qgcl \qhdy ²¾er²¾rHcV Yy ^pAY Hec HrWy OpEV epdy c}J / E\Mpc* :

· Agr qgcl \qhdy ²¾er²¾rHcV Yr Wpcri Yy ^pAY h}V epdy qYd g¥ ¥Zr qHgy c}J qR`\±²}¾\dpgRr, ep§de ²¾¥ ^Yd²¾p; ep§de}R} r, gycy od h± cyO; A|qOa}Jop³rAp£, A|qOa}\dpgRr (gRzR Yy ²¾pd Op£ ^J±c), H}c}²¾cr ApcRcr ^pqB\pg JoplR ^fcWy YtcKR²¾p Yy ^pAY h}ey Wp£h EgYy IcqMAp£ Yr _c\pBr HrWr OpByJr &

· Agr qgcl \qhdy ²¾er²¾rHcV Yr Wpcri Yy ^pAY h}V epdy J}Ty Yr g¥\vcV W^Yrdr, g¥\vcV Hvdªy Yr W^Yrdr, qTgHyHR} r, ApcXo}gH}\r ^fcWy YtcKR²¾p Yy ^pAY h}ey Op£ fo}Vr \oYph c}J, eycrH}g ey²¾g, hpBr ^d§T \o±fc Yy ²¾pd Op£ EgW~ ^J±c TpqBq^Rrk AWy EgYy qg§Zy ²¾WrOy Yy cv\ qe§M Op£ EgYy dpd OtmrAp£ OqRdWpep£, JtcYp c}J, qOjc Yr HS}¾cWp, AgX`p dBr qB²¾ªp£ qeM~ hcyH E\Mpc /gcOcrAp£ / \onrApep£ Yy IcqMAp£ Yr _c\pBr gpTy YtApcp HrWr OpByJr &

· Agr \qhdy W~ ¡OvY ^r`pcrAp£ / c}J / qeApZrAp£ Yy HpcV HrWy OpEV epdy E\Mpc

/gcOcrAp£ / \onrApep£ Yy HpcV hg\Wpd qe§M Ypid h}V Wy h}V epdy IcqMAp£ Yr _c\pBr Hcp£Jy dyqH²¾ qBg Wcªp£ Yy E\Mpc /gcOcrAp£ / \onrApep£ \qhdy ²¾er²¾rHcV Yr Wpcri W~ qBH gpd ^pAY h}Vy MpqhYy h²¾ & \qhdy W~ ¡OvY c}Jp£ qe§M O²¾`OpW c}J Op£ Icp^rAp£ fpq`d ²¾hs h²¾ &

*\qhdp ²¾er²¾rHcV \p§qdgr ftcv h}V Yy 3 gpd ^pAY YyVa}J h}ByJp &

� Ypep Ypid Hc²¾p :

· qBg \p§qdgr Yy WhW Ypep Ypid Hc²¾ dBr, gY§g (Ap£) ²¾¥ 24 K¥qRAp£ W~ AqZH AeZr WH dJpWpc hg\Wpd qe§M qB²¾ - \yfzR Yy cv\ qe§M Ypid cqhVp h}ByJp & dyqH²¾ qBh g z gr`p Ty HyAc E\Mpcp£ Wy dpJv ²¾hs h± &

· OyHc Wtgr H¥\²¾r H}d~ H±f d±g gcqegyg (CLS) dBr Ap§X}cpqBkyf²¾ \p d|Yy qh, Wp£h hp§gq\RdpqBkyf²¾ Yy _c\pBr Hc²¾ a}J IcqMAp£ ²¾¥ ²y¾RecH hg\Wpdp£ (NWH) Yy ²¾pd qg§Zy q²¾\RpqBAp OpByJp, OyHc WthpTp CLS ¥Ovc ²¾hs HrWp Op£Yp h± Op£ Wtgr ²¾p§²¾ - NWH qe§M Ypid ht¥Yy h}, Wp£h h§H Ypep HrWy OpEV AWy gpTy YtApcp ¥Jy JBy gpcy Ocvcr YgWpeyO gpTy YlWc qe§M O`p HcepBy OpEV Yy 7 qY²¾p£ Yy A¥Yc _c\pBr Hc²¾ a}J IcqMAp£ Yp _tJWp²¾ Hc qY§Wp OpByJp &

· Wthp²¾¥ gpcy YgWpeyO AWy OpVHpcr qOgYy A¥Yc ¡qdH \p§qdgr, gpcrAp£ yTrHd qc\}cRp£, ¡qdH q §d AWy cgrYp£, A²¾®g¥Zp²¾ qc\}cRp£, E\Mpc Yy ²¾®gIy, qTgMpcO HpcT, hg\Wpd Yy gpcp£f, q²¾Yp²¾ AWy E\Mpc Yy eycey epdy TpHRc Yy \o pV \§Wc fpq`d h²¾ dyqH²¾ qBh qB§Xy WH hr grq`W ²¾hs, hg\Wpd qeM~ Nt§Rr q`d²¾ Yy 60 qY²¾p£ Yy A¥Yc O`p Hcep YyVy MpqhYy h²¾ &

� Hc dp_

qBg \dp²¾ Yy WhW _tJWp²¾ HrWp OpEV epdp \orq`a` ApaHc AqZq²¾a` 1961 Yr Zpcp 80D Yy WhW R±Hg dp_ Yy a}J h²¾ AWy Hc q²¾a` ^YdpA Yy AZr²¾ h²¾ &

� 15 qY²¾p£ Yr ³or dtH AeZr :

qBg \p§qdgr Yy YgWpeyk q`d²¾ Yr Wpcri W~ 15 qY²¾p£ Yy A¥Yc, \p§qdgr Yy q²¾a` AWy fcWp£ Yr g`rqIAp Hc²¾ AWy OyHc Wtgr qHgy q²¾a` AWy fcW ²¾pd Agqh`W h}, Wp£h H¥\²¾r ²¾¥ Ap\§Wr Yp HpcV Y§gYy h}By \p§qdgr ep\g Hc²¾ Yp qeHd\ WthpTy H}d h± & Wthp²¾¥ A\Vy _tJWp²¾ HrWy JBy \orq`a` Yr cpfr qcl¥T q`d OpByJr, qOg Yy A¥Yc Hec Yr AeZr Yy Y¡cpV EqMW O}i` \orq`a` AWy yqTHd \crIV Wy h}By icM AWy gR|\ TavRr MpcOyg eJ±cp Yr HR¡Wr Hc drWr OpByJr &

� ^OpO ApqdAp£g dpqBl qB²¾fa}c|g hr qH¥Gv ?

^OpO ApqdAp£g ^OpO q³²¾gce AWy ^OpO ApqdAp£g SE Yy qe§M qBH gp£Pp E§Z` h± & Y}hp£ Yy H}d A²¾®_e, gqXcWp AWy fHWr Y g²¾`p²¾ h± & qBh gp£Pp E§Z` H¥\²¾r gXp²¾H A²¾®_e Yy ²¾pd qefegWcra HtfdWp H¥ qe§M dJpE¤Yr h± & qeAp\H, Hd\²¾pfrd g`pZp²¾ 119 gpd \tcpVr ApqdAp£g SE Yr WH²¾rHr HtfdWp Wy A²¾®_e AWy _pcW qe§M ^OpO op£T Yp Jqhcp ^pkpc Yp qJApV AWy gpI Yp yd HcYy h²¾ & Wtd²¾pW`H t§d AWy OdYr Br`p²¾Ypc \oqWnrAp ²¾pd H¥\²¾r ^htW hr K§R g z qe§M JphH Yp qefepg AWy ^pkpc qe§M drTcqf\ hpqgd HrWr h± &

� cr yR Yp ecO h}Vp: ^r`p A±HR, 1938 Yp _pJ 41 q^Ap²¾ HcYp h± :

· H}Br er qeAHWr _pcW Yy qHgy er qeAHWr ²¾¥, Ore²¾ Op£ g¥\Wr ²¾pd g¥ ¥qZW qHgy er Wcp£ Yy O}i` dBr ^r`p HcepEV Op£ qBgYp ²¾er²¾rHcV HcepEV Op£ ^r`p \p§qdgr Opcr cIV dBr, qg§Zy Op£ Aqg§Zy cv\ qeM ²¾p Wy H}Br dpdM Yy gHYp h± , ²¾p hr Yy²¾a}J H`rf²¾ qeM~ \vcp Op£ Ap£qfH qh§gp Yy gHYp h±, ²¾p hr \p§qdgr qeM Y§gy JBy \orq`a` Wy qHgy Wcp£ Yr NvR Yy gHYp h±, ²¾p hr ^r`p \p§qdgr d±V epdp, qBgYp ²¾er²¾rHcV HcepEV Op£ qBg ²¾¥ Opcr cIV epdp H}Br er qeAHWr qHgy er Wcp£ Yr NvR gerHpc Hc gHYp h±, ^fcWy \oHpqfW \op§g\±HRg Op£ ^r`pHcWp Yr gvMr Yy tWpq^H qBg Wcp£ Yr NvR Yr A²¾® Wr qY§Wr JBr h± &

· qBg _pJ qe§M qB¥Wkp` ²¾pd \pd²¾p ²¾p HcV epdy qeAHWr ²¥¾v qBH Y¥T YtApcp gkp h}eyJr, O} \¥O g¡ ct\By W§H h} gHYr h±&

� _pJ 45

qBg AqZq²¾a` Yy dpJv h}²¾ W~ \qhdy drWr JBr H}Br er Ore²¾ ^r`p \p§qdgr, qBg AqZq²¾a` Yy dpJv h}²¾ Yr Wpcri Yy Y} gpd ^pAY, AWy AqZq²¾a` Yy \o_per h}²¾ Yy ^pAY drWr JBr Ore²¾ ^r`p \p§qdgr, \opc¥q_H Wpcri Yy 2 gpd ^pAY, qHgy er ^r`pHcWp YtApcp, qBg ApZpc Wy c§Y ²¾hr HrWr Op gHYr qH ^r`p \p§qdgr drWy JBy \ogWpe \W§c qeM qY§Wy JBy qeecV Op£ TpHRcr Op£M Yr qc\}cR qeM Op£ qHgy g¥Ycq_W qeAHWr Op£ \p§qdgrZpcH Yy Y}gW Op£ \p§qdgr Opcr Hc²¾ dBr qY§Wy JBy qHgy YgWpeyO qeM HtP er jdW Op£ PvS¾ HqhAp qJAp h±, OY~ WH qH ^r`pHcWp qBh gpq^W ²¾p Hc Yyey qH qeecV qBH `h§We\vcV `p`dy ²¾pd g¥ ¥qZW gr Op£ Eg²y¾ E²¾ªp W§Wp£ ²¾¥ dtHpqBAp, qO²¾ªp£ ²¾¥ Y§g²¾p Ocvcr gr AWy Eg g z \p§qdgrZpcH ²¾¥ qBh OpVHpcr gr qH Eh qeecV PvS¾ gr Op£ Eg²y¾ E²¾ªp W§Wp£ ²¾¥ dtHpqBAp qO²¾ªp£ ²¾¥ Y§g²¾p Ocvcr gr &

^OpO ApqdAp£g ³±q`dr HyAc lgR

h±dX qnRrHd qB§d²±¾g cpqBTc

Email: [email protected]: bajajallianzlife.co.in/chat

BSNL/MTNL(R}d ³or)

1800 22 5858 <Prefix City Code> 3030 58581800 209 5858

g¥\cH qeecV^OpO ApqdAp£g dpqBl qB²¾fa}c|g H¥\²¾r qdq`RyT,G.E. \dpPp, ByAc\}cR c}T, aceYp, \tVy-411006.Ryqd : (020) 6602 6777. ³±Hg : (020) 6602 6789.

www.bajajallianz.com

AqZH OpVHpcr dBr :AqZH OpVHpcr dBr : h}c AqZH eycey dBr, qHc\p HcHy gpTy ^r`p gdphHpc ²¾pd g¥\cH Hc} Op£ E§\c qY§Wy JBy gpTy R}d ³or ²¥¾^cp£ Wy Hp§d Hc} & dp_p£ Yr gvMr AWy \p§qdgr ²¾pd g¥^¥qZW q²¾fyYp£ dBr qBg ^o}fc ²¾¯¥ M¥Jr Wcªp£ ²¾pd \m} & qHc\p HcHy qBgYr `O`v²¾ g`yW `¥J Hc} &

12%

50%

50%

25,000

150,000

175,000

30,000

^OpO ApqdAp£g ³±q`dr HyAc lgR

� ³±q`dr HyAc lgR

WthpTy dBr Ap\Vy \qcepc Yp gepgX ^htW `h§We\vcV h± & OY~ qBH Op£ AqZH \qcepqcH gY§qgAp£ ²¾¥ hg\Wpd qe§M Ypid HcepEV ecJr gqXWr Yp gph`Vp Hc²¾p \|Yp h±, Wp£h

yTrHd q^d WthpTr §MW ²¾¥ Hp³r h§Y WH I}Idp Hc g§HYy h²¾ & hg\Wpd qe§M Ypid HcepEV Yp IcM Hp³r OpYp er h} g§HYp h± AWy qBg Wcªp£ Yr Ap\pW gqXWr dBr Wthp²¾¥ q^hWc WcrHy ²¾pd qWApc cqhV Yr d}m h± &

\qcepc Yy hcyH gY§g dBr yTrHd ^r`p IcrY²¾p }Pd AWy `qh¥Jp h} g§HYp h± & OyHc \vcy \qcepc ²¾¥ - gpqcAp£ ²¾¥ qB§HSy¾ Hec Hc²¾ epdy qg¥Jd gpZ²¾ Yy cv\ qe§M H}Br g`pZp²¾ q`d OpBy, Wp£h qHg Wcªp£ cqhey ?

^OpO ApqdAp£g ³±q`dr HyAc lgR \ogWtW HcYp h± WthpTy §qMAp£ AWy `pWp q\Wp g yW WthpTy \vcy \qcepc dBr ²¾ep£ h}V Yy ^peOvY qeehpqcH h±dX HyAc \dp²¾ & qBh hg\Wpd qe§M Ypid Hc²¾ epdr A²}¾Ir a}O²¾p WthpTy \vcy \qcepc ²¾¥ 3 gpdp£ dBr gepgX gtc§qIAp \oYp²¾ HcYr h± AWy Ap\Vy \qcepc ²¾¥ 74 gpd Yr E`c WH gtc§qIAp \oYp²¾ Hc²¾ dBr Eg²¾¥ hc 3 gpdp£ qe§M ²¾er²¾rHcV Hc²¾ Yr ghvdW qY¥Yp h± & qBg dBr hcyH gY§g dBr H}Br e§Icp IpWp ²¾hs, ^pc ^pc HpJOr HpcepBr Op£ _tJWp²¾ Yr A±TOgR |R ²¾hs & Ap\Vy \vcy \qcepc ²¾¥ qBH hr epcr qe§M gtc§qIAW Hc} &

� qBh \dp²¾ Wcp£ H¥ HcYp h± ?

qBh \dp²¾ 1.5 d§I ct. W~ 10 d§I Yy qe§M hg\Wpd qe§M Ypid h}V Yy IcM ²¾¥ Hec HcYp h± & qBgYp `Wd^ h± qH OyHc Wtgr Ap\Vy \qcepc dBr 5 d§I ct. Yr ^rq`W cpfr Yp Mt²¾pA HcYy h}, Wp£h Wtgr AWy WthpTp \qcepc hc gpd hg\Wpd qe§M Ypid h}V Yy IcM \vcy Hc²¾ dBr qBH ²¾pd 5 d§I ct. WH \op\W Hc g§HYy h}, O} qH IcqMAp£ Yr _c\pBr Yr gr`p, qB¥WOpc AeZr AWy hyS¾p£ Y§grAp£ JBrAp£ AgerqnWrAp£ Yy AZr²¾ h± &

qBg \p§qdgr Yy WhW Hec HrWy JBy gpcy ^rq`W qeAHWrAp£ ²¾¥ gY§g (Ap£) HqhAp OpByJp &

\o\}kc Op£ EgYp/EgYr Ore²¾gpXr, OyHc fpq`d HrWy JBy h²¾, Wp£h Y}hp£ qeM~ qOgYr E`c OpYp h}ByJr, Eg²¾¥ \o t§I gY§g AWy ^pHr ^rq`W qeAHWrAp£ ²¾¥ ApfqcW gY§g HqhAp OpByJp &

\o t§I gY§g Yy §qMAp£ ²¾¥ Hec HrWp OpByJp ^fcWy qH Eh ApcqXH cv\ qe§M `pWp q\Wp Wy ApfqcW h}V AWy qeAph ²¾p h}qBAp h}ey &

� t§I dp_ :· q²¾fqMW ²¾er²¾rHcVp£ Yy ²¾pd 3 `hr²y¾ W~ d± Hy 74 gpd Yr E`c WH HecyO· hcyH \p§qdgr AeZr dBr 3 gpdp£ dBr qHfW Yr Jpc¥Rr· Yyf _c Yy \o t§I hg\Wpdp£ qe§M hp§gq\RdpqBkyf²¾ Hec· hcyH ²¾er²¾rHcV Wy \oMqdW qHfW Wy 15% NvR· ²}¾ Hdy }²¾g Yy cv\ qe§M hc gpd 5% Yr Yc Wy ^rq`W cpfr qe§M epZp· 140 Ty HyAc \onrApep£ dBr Ty HyAc E\Mpc· \or - hp§gq\RdpqBkyf²¾ AWy \}gR - hp§gq\RdpqBkyf²¾ dp_· A| td|g Wy HrWy JBy IcqMAp£ Yr _c\pBr· h±dX qnRrHd qB§d²±¾g cpqBTc Yp Mt²¾pA Hc²¾ Yp qeHd\· Ap\Vy Ore²¾gpXr, §qMAp£ AWy `pWp q\Wp ²¾¥ fpq`d Hc²¾ Yp qeHd\· Yyf _c Yy \o t§I hg\Wpdp£ qe§M H±fd±g gyep gtqeZp

� hp§gq\RdpqBkyf²¾ Hec

qBg \p§qdgr Yy WhW qB²¾ - \yfzR E\Mpc dBr hg\Wpd qe§M Ypid (dJpWpc K§R W~ K§R 24 K¥qRAp£ Yr AeZr WH) cqhV Yy Y¡cpV HrWy JBy q²¾`²¾qdqIW icMy Hec HrWy Op£Yy h²¾ &· H`cy Yp qHcpqBAp AWy cqhV Yp icM· ²¾cqg¥J Yy icM· TpHRc Yr ³rg

· Ap§\cyf²¾ qXByRc Yy MpcOyg· A±²y¾gXrqgap, Iv²¾, Ap§HgrO²¾, YepqBAp£ AWy A¡fZrAp£, q²¾Yp²¾ gp`JorAp£, A±Hg cy,

gcqOHd E\HcVp£, qHgy qTg\}ky d gcqOHd g`p²¾, TpqBdrqgg, cyTrGXycy\r, ²¾Hdr A¥Jp£, gRzRg AWy qB¥\dp£Rg AWy \yg yHc Yr Hr`W

� Ty HyAc E\Mpc

qBh \dp²¾ hyS¾p£ Y§gy A²¾®gpc 140 c}Jp£ Op£ E\Mpcp£ ²¾¥ Hec HcYp h± qO²¾ªp£ qe§M Wthp²¾¥ dJpWpc 24 K¥qRAp£ WH hg\Wpd qe§M Ypid h}V Yr d}m ²¾hs \|Yr ; qBg²¾¥ EqMW hp§gq\RdpqBkyf²¾ ep£J ¥qVAp OpByJp &

� \or - hp§gq\RdpqBkyf²¾ AWy \}gR - hp§gq\RdpqBkyf²¾ dp_

\or - hp§gq\RdpqBkyf²¾ AWy \}gR - hp§gq\RdpqBkyf²¾ icqMAp£ dBr hcyH hp§gq\RdpqBkyf²¾ Ypey dBr _c\pBr HrWy OpEV epdy icqMAp£ Yp 3% ld±R dp_ qY§Wp OpByJp &

� A| td|g MpcOyg

OyHc hg\Wpd qe§M Ypid HcYy eydy A| td|g Yr d}m \|Yr h±, Wp£h \p§qdgr gpd qe§M gY§g

1 Oi` Yr gcqOHd glpBr 2 Xycp\atqRH A±qgqRH R±q\¥J 3 Xycp\atqRH \dvcd R±q\¥J 4 Xycp\atqRH Op§qB¥R A±gq\cyf²¾

5 AdRopgpE¤T q²¾cYyf Yy WhW A¥Ycv²¾r ³}my ²¾¥ gtHpEVp

6 hy pR} p ²¾¥ gtHpEVp

7 A|T}gH}q\H ³p§cy²¾ ^p§Tr cr ved RopHrAp/³pqc¥Hg/ d±csHg / op§¥Hg/ A±g}³±Jg/ gR§ H/ c±HR`

8 Rcv H§R ^pa}\gr - o±gR /qdec/ qHT²¾r qd¥³ ²}¾T / \dvcp/ d¥J/ §gd ^pa}\gr / ²¾ce ^pa}\gr/ qg²}¾qead ^pa}\gr /

}²¾ RoylpqB²¾ ^pa}\gr / \yqcHpmTrad ^pa}\gr

9 gHydyc}Xycy\r

10 TpqBO±gqRe Ro±HR gqRoHRMcg Yp TpqBdpRyf²¾

11 A|T}gH}q\H AdRop g}²}¾Jop³r AWy ^pa}\gr

12 qhapR§g hc²¾rAp/ J±gRo} A±g}³±Jd qcld§Hg qTgrk dBr q²¾gy²¾ l¥T}\drHyf²¾

13 A|T}gH}q\H \dyg |R / gRzRg ²¾¥ hRpEVp

14 A|T}gH}q\H J±gRo}gR} r

15 J±gRo}gR} r Rav Yr cr\dyg |R

16 A|T}gH}q\H \p§dr\yHR} r

17 H}d}²¾ Yp A|T}gH}q\HTrH¥\o±f²¾

18 Xycp\atqRH ERCP

19 ^drqT¥J dyk²¾ Yr op§¥H}gH}q\H RorR |R

20 qlgRtdp / gRyqR¥J Yr op§¥H}gH}q\H RorR |R

21 op§¥HGByde}dc d±eyO AWy ^pa}\gr

22 A±Ty²¾p§qBHR} r Yy ^J±c Rp§¥qgdyHR} r

23 A±Ty²¾p§qBHR} r Yy ²¾pd Rp§¥qgdyHR} r

24 qd¥JtAd Rp§¥qgd Yp A±Hgrf²¾ AWy qTgRoHf²¾

25 `pqBqc¥J}R} r

26 Jo} ±R qB²¾gcf²¾ Yy ²¾pd `pqBqc¥J}R} r

27 `pqBqc¥J}\dpgRr / qR`\±²}¾\dpgRr

28 LA Yy WhW A± Rod ep§f

29 Hqe¥gr Toy²y¾O

30 ^pa}\gr Yy ²¾pd TpqBcyHR d±qc¥J}gH}\r

31 ²y¾kd ³o±HMc Yp qcTHf²¾

32 ±gR}TyHR} r

33 qR`\±q²¾H Toy²¾ ²¾¥ hRpEVp

34 q`Td Brac Yp crH¥gRoHf²¾

35 ±gRp§qBT \o}g±g AWy q`Td Brac Yp qB²¾grf²¾

36 ²}¾k Jo±²¾®d} p Yp A±Hgrf²¾

37 Xycp\atqRH ldy }R} r

38 h± } TpqBdrqgg / \yqcR}q²¾ad TpqBdrqgg

39 Hy }Xycy\r

40 cyTrGXycy\r

41 H}c}²¾cr A|qOa}\dpgRr (\rRrgrBy)

42 \yqcHpcqTGgzRyqgg

43 qB²¾³rqcac ey²¾p Hpep qe§M q³dRc Yp qB²¾gcf²¾

44 ApcRcr Op£ ey²¾ qe§M O±d ³} Yp qB²¾gcf²¾

45 H±c}qRT A|qOa}\dpgRr

46 cr²¾d A|qOa}\dpgRr

47 Rav c A| }qdf²¾

48 \}cRd hpqB\cR|f²¾ dBr RrApBr\rA±g \o}grkc

49 gavT}\±²¾qnyByqRH qggR Yr A|T}gH}q\H Toy²y¾O

50 qdX}qRo\gr

51 PCNS (\cgtRyq²¾ag ²±¾³o}gR} r)

52 PCNL (\cgtRyq²¾ag ²±¾³o}qdX}R} r)

53 gt\op\atq^H qggR}gR} r

54 ^d±Tc Rav c Yp Rop£g avcyXod crgyHf²¾

55 hpqBTo}qgd gcOcr

56 A±q\qTTpqB yHR} r

57 ApcqHTyHR} r

58 hcq²¾a}c±³r

59 hcq²¾a}\dpgRr

60 \yqcA²¾d crO²¾ Yy qR§fv Yp qB²¾grf²¾ AWy A±Hgrf²¾

61 A±²¾d q³gRtdp Yr gcqOHd RorR |R

62 hy }cp§qBTg Yr gcqOHd RorR |R

63 gq³¥HRyc}R} r / q³fcyHR} r

64 d±\o}gH}q\H A\|TrgyHR} r

65 d±\o}gH}q\H H}dyqggRyHR} r

66 TURP (A|T}gH}q\H crgyHf²¾ \o}gRyR)

67 eyqcH}g ey²¾ gqRoq\¥J Op£ qdJyf²¾

68 Tt\taRoy² Yy Hp§²¾Ro±HMc Yp A±Hgrf²¾

69 Hpc\yd R²¾d TrHp§ \oyf²¾

70 ApcqXogH}q\H Xycy\r

71 qdJp zR RyAc Yr gcOcr

72 yq²¾gH§g RyAc Yr gcOcr

73 hy }cXo}qgg /\pqBcXo}qgg Yr gcOcr

74 ³o±HMc q\²¾g/ ²y¾dg ²¾¥ hRpEVp

75 ±Rd epqBc ²¾¥ hRpEVp

76 }²¾, gy\qRH AWy Agy\qRH Yp qB²¾grf²¾

77 GgyR}qg¥Xyqgg Yy ²¾pd ³o±HMc, g^dHgyf²¾ Op£ A±q\lpqBd}qgg Yp Hd}kT qcTHf²¾

78 RzT²¾g AWy RzT²¾ frX Yy gRoHMc AWy h}cAp§\cyf²¾g

79 GA Yy WhW qTgd}Hyf²¾ ²¾¥ K§R Hc²¾p

80 }Wrapq ¥Yt Yr gcOcr

81 d±nr`d qggR Yp A±Hgrf²¾

82 RycrqJa` Yp A±Hgrf²¾

83 JdvH¡ p Yr gcOcr

84 cyqR²¾d qTR±M |R dBr gcOcr

85 H±dpqka²¾ hRpEVp (A§I)

86 d±nr`d jd|Tg Yp qB²¾grf²¾

87 c}Jr ApqB qd§Tg Yp qB²¾grf²¾

88 ApqB qd§T Jo±²¾atd} p Yp A±Hgrf²¾

89 H|X§g AWy A±q\H|X§g Wy Ap§\cyf²¾

90 A|Ro}q\a²¾ AWy A±HRo}q\a²¾ dBr HcyHqRe gcOcr

91 ^dylpc}\R}qgg dBr HcyHqRe gcOcr

92 H¥kHqRep qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

n`p£H Ty HyAc \onrAp n`p£H Ty HyAc \onrAp

93 Hp§c²¾rap qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

94 Hp§c²¾rap Yp qB²¾grf²¾

95 A§I Yy d|g qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

96 A§I Yy \}gRrqcac M| c qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

97 Ap§cq^R AWy ApqB^p§d qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

98 o±gR d¥\ / lpqB o} A±Ty²}¾`p Yp A±Hgrf²¾

99 q²§¾\d Yy Ap§\cyf²¾g Hc²¾p

100 o±gR A± g± g Yp qB²¾grf²¾ / Toy²y¾O

101 q\d}q²¾Td gpqB²§¾g Yp qB²¾grf²¾

102 M`mr AWy g^HatRy²y¾qfag qR§fv Yy c}Jr qR§fv Yp d}Hd A±Hgrf²¾

103 M`mr AWy g^HatRy²y¾qfag qR§fv Yr gc³yg H¥Rrq²¾GvRr Yp qg¥\d crgR}cyf²¾

104 T}²¾c gpqBR WH M`mr Yp Rop£g\}cRyf²¾ tlW

105 cyqgq\A|R gpqBR WH M`mr Yp Rop£g\}cRyf²¾ tlW

106 gqH§²¾ \dpgRr A±Hgy\qR¥J ^c²¾k / qB¥Ocrg Yr qcerk²¾

107 M`mr AWy g^HatRy²y¾qfag qR§fv Yy c}Jr qR§fv Yp qTgRoHf²¾

108 K^p²¾ Yy c}Jr qR§fv Yp qB²¾grf²¾, A±Hgrf²¾, qTgRoHf²¾

109 gdpqBecr jd|T AWy gdpqBecr THR Yp qB²¾grf²¾ Ap§l dp£qg¥J

110 gdpqBecr THR Yp crgyHf²¾

111 qBH gdpqBecr jd|T AWy gdpqBecr THR Yp crH¥gRoHf²¾

112 t¥h, O^my AWy qMhcy Yy IyWc qe§M ^phcr qB²¾grf²¾ AWy Toy²y¾O

113 qYd AWy gp§lR \±dyR Yp qB²¾grf²¾

114 c}Jr qYd AWy gp§lR \±dyR Yp A±Hgrf²¾, qTgRoHf²¾

115 t¥h qe§M qB²¾grf²¾, A±Hgrf²¾, qTgRoHf²¾

116 t¥h Yr gWqh Wy gcOcr

117 \±d±R}\dpgRr

118 ³±coc¥Jd A± g± g Yp Rop£g}cd qB²¾grf²¾ AWy Toy²y¾O

119 qTdyRyf²¾ AWy qHGvcyRyO, `a} yHR} r, qhgRcgH}q\H Op£ d±\cpgH}q\H ^pa}\gr Op£ cr ved

120 e±Hgr²y¾f²¾ / qB²}¾qHGvdyf²¾ lp§cq ¥J \}gR ^pqBR RorR |R Yp qBH qh§gp

121 H}c}²¾cr A|qOa}\dpgRr

122 YtcKRVp Yy HpcV Y¥Yp£ Yr gcOcr

123 OT Yr d}m epdr Oc²¾d A±²y¾gXrqgap Yy WhW H}Br gcOcr

124 O±q²¾Rd gcOcr

125 d±\o}gH}q\H Xycp\atqRH gcOcrg

126 LA Op£ GA Yy WhW - gRatqc¥J CLW

127 qB²¾grf²¾ AWy Toy²y¾O

128 A|T}gH}q\H qdJyf²¾ / |qT¥J

129 ²§¾H qeM~ ³p§cy²¾ ^p§Tr ²¾¥ hRpEVp

130 ²}¾k Jo±²¾®d} p qe§M fpq`d Jo±²¾®d} p Yp A±Hgrf²¾

131 Jdp§gyHR} r

132 K^p²¾ Yp crH¥gRoHf²¾

133 `pqB yHR} rk

134 qg¥\d Gv³}cyHR} rk

135 ±Hatdc TrOy²¾cyf²¾ dBr qB¥RcpqeRyq²¾ag qB¥O±Hf²¾ AepgqR²¾

136 hy\yRpqBqRg B Yy qBdpO dBr qB¥Rcper²¾g qB¥O±Hf²¾ \yJpqgg

137 cyqR²¾d qTR±M |R dBr npa}\yHgr AWy dykc ³}R}H}ByJtdyf²¾

138 qeRoyHR} r

139 egHtdc qTgrgyk dBr qMdyf²¾ Xycy\r

140 gRrcp§qBT A±Tq`q²¾gRcT qB¥Rop ApcqRqHGvdc, qB¥RopecqR od

dBr gpTy YtApcp _c\pBr Yr 1,000 ct. Yr AqZHW` gr`p Yy WhW A| td|g dBr h}By icM Yp _tJWp²¾ HrWp OpByJp, ^fcWy gY§g hg\Wpd qe§M dJpWpc 24 K¥Ry W~ AqZH g z dBr Ypid HrWp qJAp h}ey &

� H±f d±g gyep gtqeZp

· H±fd±g gcqegyg (CLS) Wthp²¾¥ hg\Wpd qe§M H}Br _tJWp²¾ HrWy ^J±c hp§gq\RdpqBkyf²¾ Yy dp_ d±V qe§M ghpqBWp Hc²¾ JrAp£ AWy ²y¾RecH hg\Wpdp£ (NWH) Yy OcrBy ²¾pd gyepep£ OdYr \op\W Hc²¾ Yr gtqeZp YyeyJr &

· \p§qdgr Opcr HrWy OpEV Yy g z, H¥\²¾r gY§g (Ap£) ²¾¥ qBH ³}R} \qhMpV HpcT AWy qBH JpqBT t§H \oYp²¾ HcyJr, qOgYy A¥Yc NWH Yr gvMr, CLS Yy ApeyY²¾ epgWy \onrApep£ g`PpEV epdp eycep AWy NWH qe§M Ypidy dBr E\gqXW TpHRc YtApcp _qcAp OpEV epdp hp§gq\RdpqBkyf²¾ qB¥Rr yf²¾ lpc` / \or Ap§X}cpqBkyf²¾ lpc` h}ByJp &

· qHgy yTrHd Ap\pW d}m ²¾¥ \vcp Hc²¾ dBr H¥\²¾r R}d ³or ²¥¾^c Wy 24/7 h±d\dpqB²¾ MdpEV Yy ²¾pd ²¾pd } pqBd ²¥¾^c Yr gtqeZp er \oYp²¾ HcyJr &

· CLS gtqeZp \op\W Hc²¾ dBr Wthp²¾¥ Ap\Vr gtqeZp Yy tWpq^H gpTy qHgy qBH Ap§q³g Wy H¥\²¾r ²¾pd g¥\cH Hc²¾p h± AWy hp§gq\RdpqBkyf²¾ qB¥Rr yf²¾ lpc` / \or Ap§X}cpqBkyf²¾ lpc` O`p HcepEVp h± &

· qHgy Ap\pW gqXWr Yy `p`dy qe§M, gY§g ²¾¥ NWH qe§M Ypidp \pEV dBr ³}R} \qhMpV HpcT qYIpEVp h}ByJp AWy CLS Ap§X}cpqBkyf²¾ \pEV dBr hg\Wpd qe§M Ypid h}V Yy 48 K¥qRAp£ Yy A¥Yc H¥\²¾r ²¾pd g¥\cH Hc²¾p h}ByJp & OyHc CLS Ap§X}cpqBkT h} Op£Yr h±, Wp£h _c\pBr HrWy OpEV Yy gW§c WH Yy NWH Yy ²¾pd WthpTy hp§gq\RdpqBkyf²¾ Yy icMy qg§Zy H¥\²¾r YtApcp q²¾\RpBy OpEV Jy AWy hp§gq\RdpqBkyf²¾ Yy ^pHr icqMAp£ Yp _tJWp²¾ qTgMpcO Yy eydy Wthp²¾¥ Hc²¾p h}ByJp &

� ²}¾ Hdy }²¾g (Ypep }²¾g ²¾hs£)

· OyHc q\Ndy \p§qdgr gpd Yy Y¡cpV H}Br er gY§g Ypep ²¾hs HcYp h±, Wp£h AJdy \p§qdgr gpd qe§M \dp²¾ Yy WhW ^rq`W cpfr tq²¾apYr ^rq`W cpfr Yy 5% Yy ^cp^c cpfr eZp qY§Wr OpByJr, qBh ²¾er²¾rHcVp£ g yW \p§qdgr Yr g¥\vcV AeZr qe§M

tq²¾apYr ^rq`W cpfr Yy AqZHW` 25% epZy Yy AZr²¾ h±, qOgYy A¥Yc tq²¾apYr ^rq`W cpfr Yp `Wd^ \p§qdgr ftcv h}V Yr Wpcri Wy Mt²¾r JBr ^rq`W cpfr h± &

· \c OyHc qBg \opeZp²¾ Yy dpJv h}V Yy ^pAY qHgy gY§g (Ap£) YtApcp Ypep HrWp Op£Yp h±, Wp£h AJdy \p§qdgr gpd qe§M qBg \p§qdgr Yy WhW ^rq`W cpfr ³yc W~ KRp Hy \p§qdgr ftcv h}V Yr Wpcri Wy Mt²¾r JBr ^rq`W cpfr Hc qY§Wr OpByJr &

� WthpTy H}d E\d^Z qeHd\

· h±dX qnRrHd qB§d²±¾g cpqBTc · qBh Hec yTrHd icqMAp£ Yr _c\pBr Yr gqXWr Wy J¡c HrWy ^J±c qnRrHd

qB§d²±¾g Yp q²¾Yp²¾ h}V Wy Mt²¾r JBr ^rq`W cpfr Yy ^cp^c qBH tfW dp_ \oYp²¾ HcYp h± &

· qgcl \o t§I gY§g AWy EgYp Ore²¾gpXr Hec HrWy OpEVJy &(h}c eycey dBr qHc\p HcHy h±dX qnRrHd qB§d²±¾g cpqBTc o}fc \m dG)

· \qcepc Yy gY§qgAp£ ²¾¥ fpq`d Hc²¾p · \p§qdgr Yy qHgy er O²¾`qY²¾ Wy, WthpTy H}d ³±q`dr \p§qdgr Yy WhW Ap\Vy

Ore²¾gpXr, `pWp q\Wp Op£ §qMAp£ ²¾¥ fpq`d Hc²¾ Yp qeHd\ h± & · ²¾ez gY§g ²¾¥ \p§qdgr Yy qe§M fpq`d Hc²¾p hyS¾ qdIy Yy WhW h}ByJp ²¾ez gY§g Yr

A¥TccpqBqR¥J AWy ²¾ez gY§qgAp£ dBr qB¥WOpc AeZr E²¾ªp£ YtApcp fpq`d h}V

epdy \p§qdgr Yy O²¾`qY²¾ W~ qBHY` ²¾ez W¡c Wy dpJv HrWr OpByJr & · ²¾ez gY§qgAp£ ²¾¥ fpq`d HrWy OpEV Wy, g¥f}qZW qHfWp£ dpJv h}V JrAp£ &

· d±Rcd qflR (^pAY qe§M ^Yd²¾p) · qBg \dp²¾ qe§M \o\}kc ^rq`W qeAHWr Yy H}d qBgy \dp²¾ ecJy qHgy h}c q²¾Or /

\pqcepqcH h±dX crqB`^cg |R \dp²¾ (Op£ Wy gpTr H¥\²¾r Yy Op£ qHgy h}c H¥\²¾r Yy) qe§M ^Yd²¾ (qflR h}V) Yp qeHd\ h± ^fcWy qBg \p§qdgr epgWy ApeyY²¾ HcYy eydy q\Ndr \p§qdgr Opcr h}ey & \o\}kc ^rq`W qeAHWr Yy H}d qBh qeHd\ qHgy h}c ²¾ez gY§g (Ap£) ²¾¥ fpq`d Hc²¾ Wy h± &

· qBgYy dBr H¥\²¾r YtApcp hcyH `p`dy Yy tWpq^H gerHpc HrWy OpEV Yp ³|gdp drWp OpByJp AWy qBgy Yy A²¾®gpc qB¥WOpc AeZrAp£ KR g§HYrAp£ h²¾ &

`2251/- ` 31,351

`150,000 `1,000,000

Ypidy Yy g z E`c*

\o t§I gY§g AWy \o t§I gY§g Yp Ore²¾gpXr

`pWp-q\Wp ²¾es \p§qdgr dBr 61 gpd²¾er²¾rHcV \p§qdgr dBr 71 gpd

gyep Hc Yy ^J±c qHfW (qg¥Jd Ore²¾ dBr)

^rq`W cpfr

qcgH Hec iW` h}V Yr AqZHW` E`c*

\p§qdgr AeZr

_tJWp²¾ Yp WcrHp

3 gpd

\o t§I gY§g, \o t§I gY§g Yy Ore²¾gpXr AWy `pWp q\Wp dBr 74 gpdOyHc h±dX qnRrHd qB§d²±¾g cpqBTc Yp Mt²¾pA HrWp h± Wp£h 65 gpd §qMAp£ dBr 21 gpd

epcqfH, N:`phr, qW`phr Op£ `pqgH`pqgH Yr A²¾® Wr qgcl W²¾Iph qeM~ HR¡Wr AWy ECS

YtApcp _tJWp²¾ dBr h±

§My 18 gpd

18 gpd

3`hr²y¾

²¾es \p§qdgr dBr 56 gpdOyHc h±dX qnRrHd qB§d²±¾g cpqBTc Yp Mt²¾pA HrWp h± Wp£h 50 gpd²¾er²¾rHcV \p§qdgr dBr 71 gpdOyHc h±dX qnRrHd qB§d²±¾g cpqBTc Yp Mt²¾pA HrWp h± Wp£h ²¾er²¾rHcV \p§qdgr dBr 62 gpd

* E`c Yr qJVWr q\Ndy O²¾`qY²¾ Yy A²¾®gpc HrWr Op£Yr h± &* * ^rq`W cpfr hp§gq\RdpqBkyf²¾ Yy dp_ ²¾pd g¥ ¥qZW h²¾ & qBg \dp²¾ Yy WhW H}Br T±X Hec ²¾hs h± &

� icqMAp£ Yr _c\pBr dBr gr`p

· qBH \p§qdgr gpd qe§M, \p§qdgr Yy WhW qHgy h}c _tJWp²¾ Yy dp_ g yW yTrHd

icqMAp£ Yr _c\pBr dBr gpTr Htd YyVYpcr ^rq`W cpfr WH grq`W chyJr &· OyHc hyS¾p£ qdIrAp£ q^`pcrAp£ / c}Jp£ / \onrApep£ / q^`pcrAp£ Yy g vh Yy HpcV ²¾pd

hg\Wpd qe§M Ypid h}Vp \|Yp h±, Wp£h hyS¾p£ qY§Wr JBr gvMr Yy tWpq^H \oqW gY§g

AqZHW` _c\pBr gr`p Yy WhW yqTHd icqMAp£ Yy 95% Yr yqTHd icqMAp£ HrWr

OpByJr :

n`p£H q^`pcrAp£ / c}Jp£ / \onrApep£ / q^`pcrAp£ Yy g vh

1 }WrApq ¥Yt

2 J}Tp ^Yd²¾p

3 Hvdªp ^Yd²¾p

4 Jc_\pW (YtcKR²¾p Yy HpcV ) Op£ Jc_pZp²¾ EqMW gXp²¾ Wy ²¾p h}Vp

· OyHc E§\c E§dyI HrWrAp£ JBrAp£ q^`pcrAp£ / c}Jp£ / \onrApep£ / q^`pcrAp£ Yy g vh Yy Adpep qHgy h}c HpcV ²¾pd hg\Wpd qe§M Ypid h}Vp \|Yp h±, Wp£h Agr hyS¾p£ qdIy icqMAp£ Yy 95% Yr _c\pBr Hcp£Jy :

²¾p§²¾ qB²¾g|qRe HyAc atq²¾R (ICU) dBr ^rq`W cpfr Yp AqZHW` 1.5% AWy qB²¾g|qRe HyAc atq²¾R (ApBrgrav) dBr ^rq`W cpfr Yp AqZHW` 3%H`cy Yy qHcpBy AWy cqhV Yy icM qe§M \¥OrqnW yTrHd AqZHpcr Yy McOyg, ApBrer Wcd / Iv²¾ MmpEVp / qB²¾O±Hf²¾ qY§Wy OpEV Yy McOyg fpq`d h²¾

qB²¾ - \yfzR E\Mpc Wy HrWy JBy Htd yTrHd icM Yp AqZHW` 25%

Ap§\cyf²¾ qXByRc Yy epgWqeH icM²¾cqg¥J Yy epgWqeH icMA±²y¾gXrqgap, Iv²¾, Ap§HgrO²¾, YepqBAp£ AWy A¡fZrAp£, q²¾Yp²¾ gp`JorAp£, A±Hg cy, gcqOHd E\HcVp£, qHgy qTg\}ky d gcqOHd g`p²¾, TpqBdrqgg, cyTrGXycy\r, ²¾Hdr A¥Jp£, gRzRg AWy qB¥\dp£Rg AWy \yg yHc Yy epgWqeH icM

\oqWqY²¾ Yp H`cy Yp qHcpqBAp AWy cqhV Yp icM

TpHRc Yr ³rg

h}c

� AqWqcHW AeZr, c§YrHcV AWy ^hpdr

· OyHc qHgy qHfW Yr \vcr cpfr Apicr Wpcri WH \op\W ²¾hs ht¥Yr h±, Wp£h Agr \vcr qHfW \op\W Hc²¾ dBr qHfW _tJWp²¾ Yy gpcy WcrqHAp£ Yy WhW 15 qY²¾p£ Yr AqWqcHW AeZr \oYp²¾ Hcp£Jy & OyHc AqWqcHW AeZr Yy Y¡cpV er qHfW \op\W ²¾hs ht¥Yr h±, H}Br er gczTc e±dav Op£ \yT A\ e±dav \op\W HrWy ^J±c \p§qdgr c§Y h} OpByJr &

· OyHc gY§g (Ap£) ²¾¥ qBg AqWqcHW AeZr Yy Y¡cpV hg\Wpd qe§M Ypid HcepEVp \|Yp h±, Wp£h \p§qdgr ²¾¥ Opcr ¥qVAp OpByJp AWy Agr gpTy YtApcp \p§qdgrZpcH ²¾¥ YyVa}J qHgy er dp_ qeM~ qHfW Yr Apicr Wpcri WH _tJWp²¾ ²¾p HrWr JBr ^HpqBAp qHfW H§R drWr OpByJr &

· OyHc d}m h}ey Wp£h WthpTy icM Wy yTrHd \crIV HcepEV AWy ^HpqBAp qHfWp£ Yy _tJWp²¾ Yy WhW \qhdy _tJWp²¾ ²¾p HrWr JBr ^HpqBAp qHfW Yr Apicr Wpcri Yy 30 qY²¾p£ Yy A¥Yc c§Y \p§qdgr ²¾¥ qcepqBe HrWp Op g§HYp h± & \p§qdgr Yp qcepqBed \p§qdgr ftcv h}V Yr Wpcri Wy Op£ EgYy ^pAY ²¾er²¾rHcV Yr Wpcri Wy dpJv fcWp£ Yy ^Ydy Eg g z YrAp£ \oMqdW fcWp£ Wy HrWp OpByJp & OyHc \qhdy _tJWp²¾ ²¾p HrWr JBr ^HpqBAp qHfW Yr Apicr Wpcri Yy 30 qY²¾p£ Yy A¥Yc c§Y \p§qdgr ²¾¥ qcepqBe HrWp Op£Yp h±, Wp£h \p§qdgr qHgy ^pHr / gczTc e±dav Yy ^J±c c§Y h} OpByJr &

� ²¾er²¾rHcV :

· \p§qdgr Yy ²¾er²¾rHcV Yy g z \oMqdW q²¾a`p£ AWy fcWp£ AWy qHfW Ycp£ Yy tWpq^H ¡OvYp \p§qdgr Yp AeZr iW` h}V Wy 30 qY²¾p£ Yy A¥Yc ²¾er²¾rHcV HrWp Op

g§HYp h± &· hcyH ²¾er²¾rHcV Wy, qO§Xy q\Ndr \p§qdgr AeZr iW` h}V Wy 30 qY²¾p£ Yy A¥Yc

²¾er²¾rHcV HcepqBAp Op£Yp h±, Wp£h ²¾es \p§qdgr Wy dpJv qHfW Wy 15% Yr NvR qY§Wr OpByJr & IRDA Yr ¥Ovcr Yy WhW _qe§I qe§M NvR Yr Yc qe§M ^YdpA HrWp Op g§HYp h± &

AqZH OpVHpcr dBr :