Q. What does the proposer agree to when authorizing the insurer to seek medical information from hospitals or medical practitioners?

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Q. What is the purpose of the medical questionnaire in case of adverse medical history in the proposal form?

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Q. What role does the company's panel doctor play in the underwriting process?

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Q. What does the declaration signed by the proposer indicate?

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Q. What is the purpose of the standard declaration in the health insurance proposal?

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Q. When does the insurance policy come into force based on the information provided in the declaration?

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Q. Why is it important for the proposer to notify the insurance company of any changes in the occupation or general health of the life to be insured?

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Q. What does the proposer authorize the insurance company to do regarding seeking information?

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Q. Why is the sum insured indicated in all proposal forms?

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Q. In personal lines of insurance like health, what kind of information is typically collected in proposal forms?

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Q. Why is it important to gather information about the proposer's profession, occupation, or business in health insurance proposal forms?

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Q. Give an example of why a proposer's profession or occupation is important in the context of insurance.

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Q. Why does the proposer need to inform the insurance company about his previous insurances?

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Q. What does the proposer need to declare regarding any past insurer actions, like policy refusals or premium increases?

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Q. In the context of personal accident insurance, why does the insurer want to know about other personal accident policies taken by the same insured?

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Q. What information does the proposer need to declare about his claim experience?

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Q. How does the insurance company use the information gathered from the proposal form in the underwriting process?

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Q. What does a Prospectus serve as in the context of health insurance?

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Q. How are premiums usually collected for health insurance policies according to the Insurance Act, 1938?

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Q. When and under what circumstances did the IRDAI allow insurers to collect health insurance premiums in instalments?

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