Common use of Underwriting and Loadings Clause in Contracts

Underwriting and Loadings. We may apply a risk loading up to a maximum 100% per Insured Person, on the premium payable (excluding statutory xxxxx & taxes) based on declarations on proposal form, your health status. Loadings will be applied from Inception Date of the first Policy including subsequent renewal(s). There will be no loadings based on individual claims experience. We will inform You about the applicable risk loading or special condition through a counter offer letter and We will only issue the Policy once We receive your consent on the applicable additional premium. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 100% of Premium excluding applicable Taxes In case policies are accepted with loadings, waiting period for Pre- Existing Disease Waiting Period (Section 3.1) as well as 2 Year Waiting Period (Section 3.3) shall continue to be applicable.

Underwriting and Loadings. We may apply a risk loading up to a maximum 100of 200 % per Insured Person, Person on the premium payable (excluding statutory xxxxx levies & taxes) based on the declarations on made in the proposal form, your form and the health statusstatus of the persons proposed for insurance. Loadings will be applied from Inception Date of the first Policy including subsequent renewal(s). There will be no loadings based on individual claims experience. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 200% of Premium excluding applicable Taxes. We will inform You about the applicable risk loading or special condition through a counter offer letter and We will only issue the Policy once We receive your consent on the applicable additional premium. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 100% of Premium excluding applicable Taxes In case policies are accepted with loadings, waiting period for Pre- Existing Disease Waiting Period (Section 3.1) as well as 2 Year Waiting Period (Section 3.3) shall continue to be applicable.

Underwriting and Loadings. We may apply a risk loading up to a maximum 100% per Insured Person, on the premium payable (excluding statutory xxxxx levis & taxes) based on declarations on proposal form, your health status. Loadings will be applied from Inception Date of the first Policy including subsequent renewal(s). There will be no loadings based on individual claims experience. We will inform You about the applicable risk loading or special condition through a counter offer letter and We will only issue the Policy once We receive your consent on the applicable additional premium. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 100% of Premium excluding applicable Taxes Taxes. In case policies are accepted with loadings, waiting period for Pre- Pre-existing disease's as well as 2 year waiting period shall be applicable. In case policies accepted with loadings, waiting period for Pre-Existing Disease Waiting Period (Section 3.1) as well as 2 Year Waiting Period (Section 3.3) shall continue to be applicable.

Underwriting and Loadings. We may apply a risk loading up to a maximum 100of 200 % per Insured Person, Person on the premium payable (excluding statutory xxxxx levies & taxes) based on the declarations on made in the proposal form, your form and the health statusstatus of the persons proposed for insurance. Loadings will be applied from Inception Date of the first Policy including subsequent renewal(s). There will be no loadings based on individual claims experience. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 200% of Premium excluding applicable Taxes. We will inform You about the applicable risk loading or special condition through a counter offer letter and We will only issue the Policy once We receive your consent on the applicable additional premium. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 100% of Premium excluding applicable Taxes In case policies are accepted with loadings, waiting period for Pre- Pre Existing Disease Waiting Period (Section 3.1) as well as 2 Year Waiting Period (Section 3.3) shall continue to be applicable.

Underwriting and Loadings. We may apply a risk loading up to a maximum 100% per Insured Person, on the premium payable (excluding statutory xxxxx levis & taxes) based on declarations on proposal form, your health status. Loadings will be applied from Inception Date of the first Policy including subsequent renewal(s). There will be no loadings based on individual claims experience. We will inform You about the applicable risk loading or special condition through a counter offer letter and We will only issue the Policy once We receive your consent on the applicable additional premium. In case of loading on 2 or more ailments, the loadings shall apply in conjunction, however maximum risk loading per individual shall not exceed 100% of Premium excluding applicable Taxes Taxes. In case policies are accepted with loadings, waiting period for Pre- Pre-existing disease's as well as 2 year waiting period shall be applicable. In case policies accepted with loadings, waiting period for Pre-Existing Disease Waiting Period (Section 3.1) as well as 2 Year Waiting Period (Section 3.3) shall continue to be applicable.. Kotak Health Care UIN: IRDAI / HLT / KMGI / P - H / V.I / 28 / 2015 - 16