## Report on Amendment to Post Office Life Insurance Rules, 2011 for Defence Service Personnel
**1. Executive Summary:**
This report analyzes an amendment to the Post Office Life Insurance (POLI) Rules, 2011, specifically concerning procedures for Defence Service personnel, including Assam Rifles and Paramilitary Forces. The core purpose of this amendment is to streamline the application process for Postal Life Insurance policies for Defence personnel, particularly regarding medical examinations and premium payment methods. Key changes include exemptions from medical examinations for personnel in medical category SHAPE1 and clarifications regarding premium payment collection and updating procedures, especially for "Pay Recovery Policies." This report details these changes and their potential impact.
**2. Introduction:**
This report provides an overview and analysis of an amendment to the Post Office Life Insurance Rules, 2011, as it pertains to Defence Service personnel. The analysis is based solely on the provided policy text extract. The aim is to inform relevant stakeholders about the specific changes introduced by this amendment and their potential implications.
**3. Policy Overview:**
This report concerns an amendment to the existing Post Office Life Insurance Rules, 2011. The core objective of the amendment, as inferred from the provided text, is to revise the procedure for proposals submitted by Defence Service Personnel related to Post Office Life Insurance. This is likely aimed at simplifying the process and clarifying certain aspects specific to this group.
**4. Background and Rationale:**
This is an amendment, so the focus is on the reason for the *specific changes*. The amendment likely aims to address perceived complexities or inefficiencies in the existing POLI application process for Defence personnel. The changes related to medical examinations suggest a desire to expedite the process for medically fit personnel (SHAPE1). The detailed procedures regarding premium payments, particularly for Pay Recovery Policies, indicate a need for clarity and standardization in handling deductions from Defence personnel salaries.
**5. Key Provisions / Changes:**
This section focuses on the *specific* changes introduced by the amendment.
* **Change 1: Medical Examination Exemption:**
* **Original Policy Part Affected:** Procedure for Medical Examination (likely part of the broader POLI Rules, 2011).
* **New Rule:** Defence personnel (Officers, JCOs/NCOs/OR or equivalent) in medical category SHAPE1 are *exempted* from medical examination when applying for a Postal Life Insurance Policy. Those not in SHAPE1 are subject to standard medical examinations. Defence civilian proponents are subject to usual medical examination as prescribed in Post Office Life Insurance Rules, 2011.
* **Effect:** This streamlines the application process for personnel deemed medically fit, potentially reducing processing time and administrative burden.
* **Change 2: Premium Payment Procedures (Pay Recovery Policies):**
* **Original Policy Part Affected:** Procedure for Premium Payment collection.
* **New Rule:** Detailed procedures are defined for handling premium payments for "Pay Recovery Policies" where premiums are deducted directly from the Defence personnel's pay. This includes:
* If the CPC (Central Processing Center) is already mapped to the DDOPAOCDA (Drawing Disbursing Officer/Pay Account Officer/Controller of Defence Accounts) of the proposer, the acceptance letter and consent of the insurant are forwarded to the DDOPAOCDA for deduction.
* If the CPC is *not* mapped, the case file is forwarded to the mapped CPC, and a copy of the acceptance letter and consent form are sent to the DDOPAOCDA for deduction.
* **Effect:** This aims to standardize and clarify the process for managing premium deductions from Defence personnel salaries, ensuring accurate and timely payment collection.
* **Change 3: Monthly Schedules Premium payment in case of Pay Recovery Policies:**
* **Original Policy Part Affected:** Procedure for Premium Payment collection
* **New Rule:** The DDOs/PAO/CDA are required to send PLI recovery schedules for the renewal premia on monthly basis to the mapped CPC in the proforma prescribed by the Department along with premia recovered from the insurants in Cheque or through any other mode being accepted by the Department from time to time.
* **Effect:** Standardize and clarify the process for sending PLI recovery schedule on monthly basis to the mapped CPC for renewal premia.
**6. Target Audience and Stakeholders:**
* **Directly Affected:**
* Defence Service personnel (including Assam Rifles and Paramilitary Forces) seeking to purchase Postal Life Insurance policies.
* Drawing and Disbursing Officers (DDOs), Pay Account Officers (PAOs), and Controllers of Defence Accounts (CDAs) responsible for salary deductions.
* Central Processing Centers (CPCs) handling POLI applications.
* **Other Stakeholders:**
* Department of Posts (Directorate of Postal Life Insurance).
**7. Implementation Aspects (Inferred):**
* **Responsible Agency/Bodies:**
* Directorate of Postal Life Insurance.
* Central Processing Centers (CPCs).
* Drawing and Disbursing Officers (DDOs), Pay Account Officers (PAOs), and Controllers of Defence Accounts (CDAs).
* **Timelines/Procedures:**
* The amendment specifies procedures to be followed during the application process and for subsequent premium payments, particularly for Pay Recovery Policies.
* DDOs/PAOs/CDAs are required to send PLI recovery schedules for the renewal premia on monthly basis to the mapped CPC.
* **Specific to the Amendment:** Implementation requires coordination between CPCs and DDOPAOCDAs to ensure correct mapping and proper handling of premium deductions. The success of this amendment hinges on effective communication and adherence to the defined procedures by all parties involved.
**8. Expected Outcomes / Impact of Changes:**
The expected outcomes of these changes include:
* **Faster Processing:** The exemption from medical examinations for SHAPE1 personnel should lead to quicker processing of POLI applications.
* **Reduced Administrative Burden:** Streamlined procedures for premium payment collection should reduce administrative workload for both the Department of Posts and Defence finance offices.
* **Improved Accuracy:** Standardized processes for Pay Recovery Policies should minimize errors in premium deductions and reconciliation.
* **Increased POLI Uptake:** A simpler and more efficient process may encourage more Defence personnel to subscribe to Postal Life Insurance policies.
**9. Conclusion:**
The amendment to the Post Office Life Insurance Rules, 2011, regarding Defence Service personnel represents a targeted effort to improve the efficiency and accessibility of POLI. The changes focus on streamlining medical examination requirements and clarifying premium payment procedures. Successful implementation of these amendments will require effective coordination between the Department of Posts, CPCs, and Defence finance offices. The anticipated outcomes include faster processing times, reduced administrative burdens, and potentially increased participation in POLI among Defence personnel.
Key Entities Referenced
NEW DELHI: Capital of India, place of publication for the gazette notification
MINISTRY OF COMMUNICATIONS: The Indian government ministry under which the Department of Posts falls.
Department of Posts: The department within the Ministry of Communications responsible for postal services.
DIRECTORATE OF POSTAL LIFE INSURANCE: The directorate within the Department of Posts responsible for Postal Life Insurance.
Post Office Life Insurance Rules2011: Rules governing the Post Office Life Insurance.
Defence Service Personnel: Members of the armed forces of India, a specific group targeted by this notification.
Assam Rifles: A paramilitary force of India.
Paramilitary Forces: Forces that are not part of a country's official military forces.
Postal life Insurance Policy: A life insurance policy offered through the postal service.
PLICPC: Abbreviation, likely refers to a center/unit within the Postal Life Insurance system responsible for policy processing and related tasks (Postal Life Insurance CPC)
Drawing Disbursing Officer: Officer responsible for drawing and disbursing funds. (DDO)
Pay Account Officer: Officer responsible for managing pay accounts. (PAO)
Controller of Defence Accounts: The authority controlling the defence accounts. (CDA)
Mayapuri, New Delhi: Location of the Government of India Press
Delhi: Location of Controller of Publications
SHAPE1: Medical category for Officers and JCOsNCOsOR
रजजस्ट्री स.ं डी.एल.- 33004/99 REGD. No. D. L.-33004/99
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असाधारण
EXTRAORDINARY
भाग I—खण्ड 1
PART I—Section 1
प्राजधकार स ेप्रकाजित
PUBLISHED BY AUTHORITY
स.ं 177] नई ददल्ली, िुििार, जुलाई 15, 2022/आषाढ़ 24, 1944
No. 177] NEW DELHI, FRIDAY, JULY 15, 2022/ASHADHA 24, 1944
सचं ार मत्रं ालय
(डाक जिभाग)
(डाक जीिन बीमा जनदेिालय)
अजधसचू ना
नई ददल्ली, 4 जुलाई, 2022
फा. स.ं 25-05/2020-एलआई (पार्)ट .—राष्ट्रपजत, भारत के राजपत्र संख्या 85 (भाग-I खंड-I असाधारण) में 28
अप्रैल 2011 को प्रकाजित "डाकघर जीिन बीमा जनयम, 2011" के "रक्षा सेिा द्वारा प्रस्ट्तुत प्रस्ट्तािों के संबंध में अपनाई
जाने िाली प्रदिया" स ेसम्बंजधत पररजिष्ट म ेंजनम्नानुसार संिोधन करते ह:ैं
रक्षा सिे ा कार्ममकों (असम राइफल्स और अर्धदसट जै नक बल के कार्ममकों सजहत) द्वारा प्रस्ट्ततु प्रस्ट्तािों के सबं धं म ेंअपनाई जान े
िाली प्रदिया:
रक्षा सेिा का कोई भी सदस्ट्य जो डाक जीिन बीमा पॉजलसी िय का इच्छुक है, उसके जलए िय प्रदिया
जनम्नजलजखत को छोड़कर, अन्य प्रस्ट्तािकों के समान “डाकघर जीिन बीमा जनयम, 2011” और समय-समय पर जारी दकए
गए संिोधनों में उपलब्ध प्रदिया के अनुसार जनयंजत्रत होगी: -
1. ऐसे अजधकारी एिं जेसीओ/एनसीओ/ओआर अथिा समकक्ष रक्षा कार्ममक जो 'SHAPE-1' जचदकत्सा श्रेणी म ें ह,ैं
उन्ह ें डाक जीिन बीमा पॉजलसी लेने के जलए प्रस्ट्ताि प्रस्ट्तुत करते समय जचदकत्सा परीक्षण से छूर् दी जाएगी िे रक्षा
4727 GI/2022 (1)2 THE GAZETTE OF INDIA : EXTRAORDINARY [PART I—SEC.1]
कार्ममक जो दक 'SHAPE-1' श्रेणी में नहीं ह,ैं उन्ह ें अन्य जसजिल प्रस्ट्तािकों के समान जनधाटररत प्रदिया के अनुसार
जचदकत्सा परीक्षण से गुजरना होगा
2. रक्षा जसजिल प्रस्ट्तािकों की "डाकघर जीिन बीमा जनयम, 2011" में जनधाटररत प्रदिया अनुसार संबंजधत जचदकत्सा
अजधकाररयों द्वारा जचदकत्सा जांच की जाएगी जचदकत्सा जांच के िेष सभी जनयम और ितें "डाकघर जीिन बीमा
जनयम, 2011" के जनयमों के अनुसार लागू होंगी
3. प्रीजमयम भगु तान:- प्रथम प्रीजमयम का भुगतान अन्य प्रस्ट्तािकों के समान “डाकघर जीिन बीमा जनयम, 2011” म ें
जनधाटररत प्रािधान के अनुसार हमेिा नकद या चेक के मार्धयम से दकया जाएगा हालांदक, बाद के प्रीजमयम की
कर्ौती का तरीका प्रस्ट्तािक द्वारा नकद (चेक/ऑनलाइन अथिा समय-समय पर जिभाग द्वारा अजधकृत दकसी अन्य
भुगतान प्रणाली सजहत) या िेतन से कर्ौती के रूप में चनु ा जा सकता ह ै
4. रक्षा कार्ममकों की नकद/िते न िसलू ी पॉजलसी के जलए अनिु ती/भजिष्य के प्रीजमयम के सग्रं हण और अद्यतनीकरण के
जलए पीएलआई-सीपीसी द्वारा की जान ेिाली कारटिाई की प्रदिया जनम्नानसु ार ह:ै -
4.1 नकद पॉजलजसयों के मामल े में: - ऐसी पॉजलजसयााँ अन्य जसजिल प्रस्ट्तािकों की नकद पॉजलसी के समान ही
जनयंजत्रत होगी
4.2 िते न िसलू ी पॉजलजसयों के मामल ेम:ें-
4.2.1 उन सीपीसी म ें प्राप्त पीएलआई प्रस्ट्ताि के मामल े में, जो पहल े स े ही प्रस्ट्तािक के संबजं धत
डीडीओ/पीएओ/सीडीए के साथ मपै दकए गए ह:ैं -संबंजधत सीपीसी िेतन से अनुिती प्रीजमयम की कर्ौती के
जलए पॉजलसी स्ट्िीकृजत पत्र तथा प्रस्ट्तािक के सहमजत पत्र को प्रस्ट्तािक के आहरण एिं संजितरण अजधकारी
(डीडीओ)/िेतन लेखा अजधकारी (पीएओ)/रक्षा लेखा जनयंत्रक (सीडीए) को अग्रेजषत करेगा
4.2.2 उन सीपीसी म ें प्राप्त पीएलआई प्रस्ट्ताि के मामल े म ें जो प्रस्ट्तािक के सबं जं धत डीडीओ/पीएओ/सीडीए के
साथ मपै नहीं दकए गए ह:ैं -
सीपीसी, पॉजलसी िय प्रदिया के पूरा होन े के पश्चात प्रस्ट्ताि से सम्बंजधत मलू केस फाइल को संबंजधत सीपीसी जजस े
प्रस्ट्तािक के डीडीओ/पीएओ/सीडीए के साथ मैप दकया गया ह,ै को अग्रेजषत करेगा तथा जिभाग द्वारा जनधाटररत प्रारूप म ें
बीमाकताट के सहमजत पत्र और स्ट्िीकृजत पत्र की प्रजत को अनुिती प्रीजमयम की कर्ौती करन े हते ु एिं सीपीसी को प्रीजमयम
िेड्यूल भेजन े के जलए प्रस्ट्तािक के डीडीओ/पीएओ/सीडीए को प्रेजषत करेगाI
5. िते न िसलू ी पाजलसी के मामल े म ें माजसक अनसु जू चयां(िड्ये लू ) और प्रीजमयम भगु तान: - संबंजधत
डीडीओ/पीएओ/सीडीए, माजसक आधार पर अनुिती प्रीजमयम भुगतान के जलए जिभाग द्वारा जनधाटररत प्रोफामाट में,
मैप दकए गए सीपीसी को चेक से या दकसी अन्य प्रणाली जजस े जिभाग द्वारा समय-समय पर स्ट्िीकार दकया जाता है,
के मार्धयम से बीमाकताट(ओं) के िेतन से िसूल दकए गए प्रीजमयम के जििरण के साथ प्रेजषत करेंगे
सीपीसी द्वारा संबंजधत डीडीओ/पीएओ/सीडीए स े प्राप्त होन े िाले प्रीजमयम भुगतान िड्ये ूल के समय पर प्राप्त होन े की
जनगरानी रखी जाएगी तथा िड्ये ूल में जिसंगजतया,ं यदद कोई हो, तो संबंजधत डीडीओ/पीएओ/सीडीए के परामिट स े उनका
उजचत समाधान दकया जाएगा और उसके पश्चात प्रीजमयम िड्ये ूल तदनुसार अपलोड दकया जाएगा
अंजू जनगम, मुख्य महाप्रबंधक (पीएलआई)
अजतररक्त सजचि के समकक्ष
MINISTRY OF COMMUNICATIONS
(Department of Posts)
(DIRECTORATE OF POSTAL LIFE INSURANCE)
NOTIFICATION
New Delhi,the 4th July, 2022
F. No. 25-05/2020-LI(Pt).—The President is pleased to amend and revise the APPENDIX having
“Procedure to be followed in connection with proposals submitted by Defence Service Personnel” of “Post[भाग I—खण् ड 1] भारत का राजपत्र : असाधारण 3
Office Life Insurance Rules-2011” published on 28th April 2011 in the Gazette of India No. 85 (Part-I
Section-I Extraordinary) as under: -
PROCEDURE TO BE FOLLOWED IN CONNECTION WITH PROPOSALS SUBMITTED BY
DEFENCE SERVICE PERSONNEL (INCLUDING PERSONNEL OF ASSAM RIFFLES AND
PARAMILITARY FORCES)
Any member of the Defence Services wishing to purchase a Postal life Insurance Policy shall
be governed at par with other proponents as per “Post Office Life Insurance Rules, 2011” and
amendments issued from time to time, except for the following: -
1. Defence personnel who are in medical category „SHAPE-1‟ for Officers and JCOs/NCOs/OR or
equivalent, will be exempted from Medical Examination while submitting the proposal for taking
Postal Life Insurance Policy. Defence Personnel who are not in „SHAPE-1‟ category shall undergo
medical examination as per the procedure prescribed for other civil proponents.
2. The Defence civilian proponents shall be subject to usual medical examination by the respective
Medical Officers as prescribed in “Post Office Life Insurance Rules, 2011”. All other terms and
conditions of medical examination shall also apply as mentioned in the rules concerned of “Post Office
Life Insurance Rules 2011”.
3. Premium Payment: -First premium shall always be paid by the proposer through cash or cheque at
par with other proponents as per the provision laid down in “Post Office Life Insurance Rules, 2011”.
However, mode of subsequent premium payment may be selected by the proponent as Cash (including
cheque/online or any other payment mode authorized by Department from time to time) or deduction
through Pay.
4. Nature of action to be taken by PLI-CPC for collection and updation of subsequent/future
premia for Cash/Pay Recovery Policies of Defence Personnel is as under: -
4.1 In case of Cash Policies: - Such policies shall be dealt at par with Cash policies, as of other
Civil Proponents.
4.2 In case of Pay Recovery Policies: -
4.2.1 In case of a PLI proposal received at a CPC, which is already mapped with the
DDO/PAO/CDA concerned of the proposer: -The CPC concerned shall forward the
acceptance letter along with consent of the insurant to the Drawing & Disbursing Officer
(DDO)/Pay Account Officer (PAO)/Controller of Defence Accounts (CDA) of the proposer,
for deduction of subsequent premia from the pay.
4.2.2 In case of a PLI proposal received at a CPC which is not mapped with the concerned
DDO/PAO/CDA of the proposer: - The CPC, after completion of the policy procurement
process, shall forward the case file in original to the concerned CPC which is mapped with the
DDO/PAO/CDA of the proposer and copy of acceptance letter and consent of the insurant in
the format prescribed by the Department shall be sent to the DDO/PAO/CDA concerned, for
deduction of subsequent premia & sending the schedule to the mapped CPC.
5. Monthly Schedules & Premium payment in case of Pay Recovery Policies: -The
DDOs/PAO/CDA concerned are required to send PLI recovery schedules for the renewal premia on
monthly basis to the mapped CPC in the proforma prescribed by the Department along with premia
recovered from the insurant(s) in Cheque or through any other mode being accepted by the
Department from time to time. The CPC shall keep watch over timely receipt of the schedules from
respective DDO/PAO/CDA concerned along with premia payment and the discrepancies, if any, shall
be got reconciled in consultation with DDO/PAO/CDA concerned and schedule may then be uploaded
accordingly.
ANJU NIGAM, Chief General Manager (PLI)
Equivalent to Addl. Secy.
Uploaded by Dte. of Printing at Government of India Press, Ring Road, Mayapuri, New Delhi-110064
and Published by the Controller of Publications, Delhi-110054.