Response:
For a housewife
If husband is not covered/uninsurable (Uninsurable health condition or over age), maximum sum insured is allowable to the extent of Rs 300000.
Sum insured allowable may extend up to the amount of coverage on husband, if husband is covered under indemnity based individual health policy [coverage under group insurance will not be considered] with AMHI or any indemnity based individual health insurance policy with other insurer (supporting documents like schedule/renewal notice must be submitted)
For a student
Maximum sum insured allowable to the extent of parents/siblings sum insured, subject to equal or higher coverage on parents and equal amount of coverage on siblings (supporting documents like schedule/renewal notice must be submitted if sum insured requested for more than 3 lacs; else no documents required in this regard only declaration would suffice) OR if education loan taken then coverage may be allowed up to 75% of the loan amount irrespective of parent‟s or sibling‟s coverage, maximum of higher of above or 5 lacs (supporting documents like loan sanction letter and disbursement advise must be submitted) OR if getting stipend (PhD, MBBS/MD/MS, etc) coverage may be allowed as per eligibility irrespective of parent‟s or sibling‟s coverage (Refer financial underwriting section)
For a widow
Maximum sum insured allowable to the extent of Rs 300000 if not earning or unearned income only; as per eligibility in case if earning
For a non working female
Maximum sum insured allowable to the extent of parents/siblings sum insured, subject to equal or higher coverage on parents and equal amount of coverage on siblings (supporting documents like schedule/renewal notice must be submitted if sum insured requested for more than 3 lacs; else no documents required in this regard only declaration would suffice)