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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 an insurance 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.

41¼1½íÅðå ÇòµÚ, ÇÕÃÆ òÆ ÇòÁÕåÆ ù, íÅò¶º ÇÃµè¶ Ü» ÁÇõè¶, ÜÆòé Ü» ÜÅÇÂçÅç ÿì¿èÆ ÇÕö òÆ åð·» ç¶ ÷¯Öî ñËä Ü» ðÆÇéÀ± ÕðòÅÀ°ä Ü» ÜÅðÆ ðµÖä ñÂÆ ñÅñÚ ç¶ä çÆ ÁÅÇ×ÁÅ éÔƺ Ô¯ò¶×Æ Ü» ê¶ôÕô ù ÁÅÇ×ÁÅ éÔƺ Ô¯ò¶×Æ, êÈð¶ Ü» Áµè¶ í°×åÅéï¯× ÕÇîôé çÆ Û¯à Ü» êÅÇñÃÆ Òå¶ ÇçÖŶ êÌÆîÆÁî çÆ Û¯à, éÅñ ÔÆ Õ¯ÂÆ ÇòÁÕåÆ ÇÕö Û¯à ù îé÷Èð ÕðÕ¶ êÅÇñÃÆ ù ñË ÃÕ¶×Å Ü» ðÆÇéÀ± ÕðòÅ ÃÕ¶×Å Ü» ÜÅðÆ ðµÖ ÃÕ¶×Å, ÁÇÜÔÆÁ» ۯ໠寺 Çìé» ÇÜÃçÆ ìÆîÅèÅðÕ çÆ êµÇåÌÕÅ Ü» åÅÇñÕÅò» ÇòµÚ êÌÕÅÇôå ÕÆå¶ Áé°ÃÅð ÁÅÇ×ÁÅ Ô¯ò¶ÍêÌçÅé ÕÆåÅ Ü»çÅ ÔË ÇÕ ÜÆòé ìÆîÅ êÅÇñÃÆ Ã¿ì¿èÆ ÕÇîôé ç¶ ìÆܿà ç°ÁÅðÅ Ö°ç ÁÅêä¶ ÜÆòé Òå¶ ñÂÆ îé÷ÈðÆ ù êÌÆîÆÁî çÆ Û¯à çÆ îé÷ÈðÆ ç¶ ðÈê ÇòµÚ éÔƺ ÇòÚÅÇðÁÅ ÜÅò¶×Å, ÇÂà À°µê-ÃËÕôé çÅ îåñì ÔË ÇÕ Ü¶Õð ÁÇÜÔÆ îé÷ÈðÆ ç¶ Ã ìÆܿà åÜòÆ÷Æ êËçÅ Ô¯ ðÔÆÁ» ÔÅñÅå» çÆ Ã¿å°ôàÆ ÕðçÅ ÔË ÇÕ À°Ô ìÆîÅèÅðÕ ç°ÁÅðÅ Çéï°Õå ÕÆåÅ Ç×ÁÅ êÌîÅÇäÕ ìÆܿà ÔËÍ

¼2½ Õ¯ÂÆ òÆ ÇòÁÕåÆ ÇÂà ÃËÕôé çÆÁ» ðÃç» çÆ êÅñäÅ Õðé ÇòµÚ ÇâëÅñà êÅÇÂÁÅ Ü»çÅ ÔË å» Ôð÷Åé¶ ñÂÆ ÜòÅìç¶Ô Ô¯ò¶×Šܯ À°Ô çà ñµÖ ð°ê¶ 寺 Ç÷ÁÅçÅ Ô¯ ÃÕçÅ ÔËÍ

45.(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later 45 ¼1½ Õ¯ÂÆ òÆ ÜÆòé ìÆîÅ êÅÇñÃÆ çÆ ÇîåÆ å¯º Çå¿é ÃÅñ çÆ ÃîÅêåÆ ç¶ ìÅÁç ÇÕö òÆ Ã ÃòÅñ ÇòµÚ ÕÅñ éÔƺ ÕÆåÅ ÜÅò¶×Å íÅò êÅÇñÃÆ ÜÅðÆ Õðé çÆ ÇîåÆ å¯º Ü» ÷¯Öî ç¶ ÁÅð¿í çÆ ÇîåÆ Ü» êÅÇñÃÆ ç¶ î°ó-ÚÅñÈ Õðé çÆ ÇîåÆ å¯º Ü» êÅÇñÃÆ ðÅÂÆâð çÆ ÇîåÆ å¯º, ܯ òÆ ìÅÁç ÇòµÚ ÁÅò¶

(2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.

¼2½ Õ¯ÂÆ òÆ ÜÆòé ìÆîÅ êÅÇñÃÆ ù ÜÅðÆ Õðé çÆ ÇîåÆ å¯º Ü» ÷¯Öî ç¶ ÁÅð¿í çÆ ÇîåÆ Ü» êÅÇñÃÆ ç¶ î°ó-ÚÅñÈ Õðé çÆ ÇîåÆ å¯º Ü» êÅÇñÃÆ ðÅÂÆâð çÆ ÇîåÆ å¯º, ܯ òÆ ìÅÁç ÇòµÚ ÁÅò¶, è¯Ö¶ ç¶ Ã Çå¿é ÃÅñ ç¶ Á¿çð ÇÕö òÆ Ã ÃòÅñ ÇòµÚ ÕÅñ éÔƺ ÕÆåÅ ÜÅ ÃÕçÅ ÔËêÌçÅé ÕÆåÅ Ü»çÅ ÔË ÇÕ ìÆîÅèÅðÕ ù ×ðÅÀ°ºâ Áå¶ êçÅðæ» Òå¶ ñ¶ ÁÇÜÔ¶ ëËÃñ¶ ç¶ ÁÅèÅð Òå¶ ìÆîÅÇÕÌå Ü» ÕÅùéÆ êÌÇåÇéè Ü» éÅî÷ç Ü» ÜÅÇÂçÅç-íÅ×Æ ù ÇñÖåÆ Ã¿ÚÅð ÕðéÅ Ô¯ò¶×ÅÍ

(3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer:Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive

¼3½ ìÅòÜÈç ÇÂÃç¶ ÇÕ À°µê-ÃËÕôé (B) ÇòµÚ ôÅÇîñ Õ¯ÂÆ òÆ ÚÆ÷, Õ¯ÂÆ òÆ ìÆîÅèÅðÕ è¯ÖÅèóÆ Òå¶ ÜÆòé ìÆîÅ êÅÇñÃÆ ù ðµç éÔƺ Õð Ãն׊ܶÕð ìÆîÅÇÕÌå ÃÅìå Õð ÃÕçÅ ÔË ÇÕ êçÅðæÆ åµå çÅ ×ñå-ÇìÁÅé Ü» çîé À°Ãç¶ Ç×ÁÅé Áå¶ ïÕÆé Áé°ÃÅð ÃÔÆ ÃÆ Ü» Õ¯ÂÆ ÜÅä-ì°µÞ Õ¶ åµå çÅ çîé Õðé çÅ ÇÂðÅçÅ éÔƺ ÃÆ Ü» ÇÂÔ ÇÕ ÁÇÜÔÅ êçÅðæÆ åµå çÅ ×ñå-ÇìÁÅé Ü» çîé ìÆîÅèÅðÕ ù êåÅ ÔËÍêÌçÅé ÕÆåÅ Ü»çÅ ÔË è¯ÖÅèóÆ ç¶ îÅîñ¶ ÇòµÚ, ñÅíÕðåÅò» À°µêð ÞÈá» çÅ Ö¿âé Õðé çÆ Ç÷¿î¶òÅðÆ Ô°¿çÆ ÔË, ܶÕð êÅÇñÃÆÔ¯ñâð Ç÷¿çÅ éÔƺ ÔË

(4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued:Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based:Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.

¼4½ Õ¯ÂÆ òÆ ÜÆòé ìÆîÅ êÅÇñÃÆ ù ÜÅðÆ Õðé çÆ ÇîåÆ å¯º Ü» ÷¯Öî ç¶ ÁÅð¿í çÆ ÇîåÆ Ü» êÅÇñÃÆ ç¶ î°ó-ÚÅñÈ Õðé çÆ ÇîåÆ å¯º Ü» êÅÇñÃÆ ù ÚñÅÀ°ä çÆ ÇîåÆ å¯º, ܯ òÆ ìÅÁç ÇòµÚ ÁÅò¶, è¯Ö¶ ç¶ Ã Çå¿é ÃÅñ ç¶ Á¿çð ÇÕö òÆ Ã ÃòÅñ ÇòµÚ ÕÅñ éÔƺ ÕÆåÅ ÜÅ ÃÕçÅ ÔË ÇÕ ìÆîÅÇÕÌå ç¶ ÜÆòé çÆ À°îÆç ñÂÆ åµå êçÅðæ çÅ Õ¯ÂÆ òÆ ÇìÁÅé Ü» çîé êÌÃåÅò ÇòµÚ Ü» Ô¯ð çÃåÅò¶÷ ÇòµÚ ×ñå éÔƺ ÃÆ ÇÜÃ ç¶ ÁÅèÅð Òå¶ êÅÇñÃÆ ÜÅðÆ ÕÆåÆ ×ÂÆ Ü» î°ó-ÚÅñÈ ÕÆåÆ ×ÂÆ Ü» ðÅÂÆâð ÜÅðÆ ÕÆåÅ Ç×ÁÅ:êÌçÅé ÕÆåÅ Ü»çÅ ÔË ÇÕ ìÆîÅèÅðÕ ù ×ðÅÀ°ºâ Áå¶ êçÅðæ» Òå¶ ñ¶ ÁÇÜÔ¶ ëËÃñ¶ ç¶ ÁÅèÅð Òå¶ ìÆîÅÇÕÌå Ü» ÕÅùéÆ êÌÇåÇéè Ü» éÅî÷ç Ü» ÜÅÇÂçÅç-íÅ×Æ ù ÇñÖåÆ Ã¿ÚÅð ÕðéÅ Ô¯ò¶×Å ÇÜà Òå¶ ÜÆòé ìÆîÅ êÅÇñÃÆ ù ðµç Õðé çÅ ëËÃñÅ ÁÅèÅÇðå Ô°¿çÅ ÔË:êÌçÅé ÕÆåÅ Ü»çÅ ÔË ÇÕ êçÅðæ åµå ç¶ ×ñå ÇìÁÅé Ü» çîé ç¶ ÁèÅð Òå¶, éÅ ÇÕ è¯ÖÅèóÆ ç¶ ÁÅèÅð Òå¶, êÅÇñÃÆ ù ðµç ÕÆå¶ ÜÅä ç¶ îÅîñ¶ ÇòµÚ êÅÇñÃÆ Òå¶ ðµç ÕÆå¶ ÜÅä çÆ ÇîåÆ åµÕ ǵÕåð ÕÆåÆ ÇÕôå ìÆîÅÇÕÌå Ü» ÕÅùéÆ êÌÇåÇéè Ü» éÅî÷ç Ü» ìÆîÅèÅðÕ ç¶ ÜÅÇÂçÅçÅ-íÅ×Æ ù ÁÇÜÔ¶ ðµç ÕÆå¶ ÜÅä çÆ ÇîåÆ å¯º éµì¶ Ççé» ç¶ Á¿çð í°×åÅé Õð ÇçµåÅ ÜÅò¶×ÅÍ

(5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.For a complete text of Section 45 please refer to Insurance Act, 1938 as amended from time to time

¼5½ ÇÂà ÃËÕôé ÇòµÚ Õ°µÞ òÆ ìÆîÅèÅðÕ ù ÇÕö òÆ Ã Òå¶ À°îð çÅ ÃìÈå ç¶ä ñÂÆ ì°ñŶ ÜÅä 寺 éÔƺ ð¯ÕçŠܶÕð À°Ô ÁÇÜÔÅ Õðé çÅ ÔµÕçÅð ÔË, Áå¶ éÅ ÔÆ Õ¯ÂÆ êÅÇñÃÆ ù ÃòÅñ ÇòµÚ ÕÅñ ÕÆå¶ ÜÅä ñÂÆ ÇòÚÅÇðÁÅ ÜÅò¶×Å ÇÕÀ°ºÇÕ êÅÇñÃÆ çÆÁ» ôðå» ÁÅ×ÅîÆ ÃìÈå Òå¶ Áé°ÕÈñ ÕÆåÆÁ» Ô°¿çÆÁ» Ôé ÇÕ êÌÃåÅò ÇòµÚ çµÃÆ ×ÂÆ ÜÆòé ìÆîÅÇÕÌå çÆ À°îð ×ñå ÃÆÍÃËÕôé DE ç¶ î°Õ¿îñ àËÕÃà ñÂÆ ÇÕðêÅ ÕðÕ¶ ìÆîÅ ÁËÕà, AICH Ã-Ã Òå¶ Ã¯è ÕÆå¶ ×¶ ù ç¶Ö¯

A Joint Venture between Dabur Invest Corp. and Aviva International Holdings Limited

5 of 5

SP/AP/Jan. 2015 Ver 1.3

7.

6.

ëÅðî ÇòµÚ ÁËñÅé ÇòÁÕåÆ ç°ÁÅðÅ íÇðÁÅ ÜÅò¶ (ܶÕð çÃåÖå, Á¿×Èá¶ ç¶ ÇéôÅé îÅå-íÅôÅ ÇòµÚ Ôé Áå¶/Ü» ê¶ôÕô ê¶ôÕðåÅ ç°ÁÅðÅ éÔƺ íðÆ ×ÂÆ)Í

î˺/ÁÃƺ ÁËñÅé Õðç¶ Ô» ÇÕ ìÆîÅ ñÂÆ ÇÂà çðÖÅÃå ç¶ ååÕð¶, î¶ð¶/ÃÅⶠñÂÆ êÈðé å½ð Òå¶ ÇòÁÅÇÖÁÅ ÕÆå¶ ×¶ Ôé Áå¶ î˺/ÁÃƺ êÈðé å½ð Òå¶ úô®Õô ÇÂÕðÅðéÅî¶ çÆ îÔµååÅ ù ÃîÞçÅ/ÃîÞç¶ Ô»Í ÇÂÔ ê¶ôÕô ëÅðî ÜÆòé ìÆîÅ êÅÇñÃÆ ÇÂÕðÅðéÅî¶ çÅ íÅ× Ô¯ò¶×Å, ܶÕð Õ¿êéÆ ç°ÁÅðÅ îé÷Èð ÕÆåÅ Ü»çÅ ÔËÍ

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