India Post
(Mumbai City West Division)
McCAMISH Help Document
Created by:
Go to Main Menu Page Gaurav Patel
SA, Mumbai City West Division
India Post
Mandatory Document Process
Survice Request Features
Required Flow
Revival & Reinstatement
Commutation
Reduced Paidup
Conversion
Surrender
Loan
Client Maintanace
Duplicate Policy Bond / PB
Change Nomination
Assignment
Death Claim
Maturity / Survival Claim
India Post
Revival & Reinstatement
Revival and Reinstatement: Mandatory Documents
Mandatory documents required for reviving a policy:
Revival Application Form
Medical Certificate from Authorised/Registered Medical Practitioner
Employer’s Certificate (For PLI customers only)
Declaration of Good Health
For a reinstatement request, Declaration of Good Health, is the only mandatory
document that is required. This document has to be submitted along with the
payment.
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Revival & Reinstatement
Revival and Reinstatement: Features
Policy revival involves activating a policy that has been void and not been
re-instated.
The revival is possible only if the policy has not reached the date of
maturity and the life assured is insurable at the time of revival.
For reinstatement of a policy, a customer has to only pay the premium
and interest due at the front desk. No approval is required for
reinstating the policy.
For revival of a policy, the customer can pay premium only after approval.
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Revival & Reinstatement
Process Flow: Revival
2 10
Customer
Receives information and submit
documents at PO/CPC for processing Receives the intimation
11
1 3
Post Office/CPC
Index the Revival request and send Customer pays the
Provide
the hard copies of the document to CPC required premium Yes
Revival
amount
Quote value No
4 5 8 6 9 7 10
Yes 68 7119
Hard copies will be scanned Data Entry Quality Will
Approver will
and request will go to the Operator enters Checker Provide Index Approver
the Surrender
Does Quality receive the
inbox of the Data Entry the required will in the requestapprove
Surrender
Checker send request the
and provide
Operator data and sends verify Quoteand
value requestrequest?
ID to
the request inbox request
request to the the data
CPC(HO)
to Approver? for missing customer
Quality Checker documents, if any
14 No
15 12 12 13
13
Rejection letter will be Intimations will be sent to the Reinstatement
issued and sent to Reject the request giving reasons Accounts department for passing letter generated
customer in the comment box necessary entries
The numbers indicate the sequence of steps within the process Steps 1 and 3 are common for PO and CPC
Expected path Alternate path
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Commutation
Commutation: Mandatory Documents
Commutation Request Form
Policy Bond
Premium Receipt Book
Disbursing Officer’s Certificate
Overloan Amount Repaid
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Commutation
Commutation: Features
The Commutation feature allows the customers to pay a lower
premium.
This feature allows the client to request for a reduced premium or
a reduced Sum Assured (SA).
At the end of the Commutation process, the SA or the Premium is
changed and policy is commuted.
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Commutation
Process Flow: Commutation
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Reduced Paidup
Reduced Paid-Up: Mandatory Documents
Duly filled Reduced Paid-Up Application Form
Policy Bond
Premium Receipt Book
Consent Letter
Disbursing Officer’s Certificate (DOC) for the last six months for
deduction of premium (in case of pay recovery policy)
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Reduced Paidup
Reduced Paid-Up: Features
The Reduced Paid-Up feature allows the policy holder to stop further
premium payments resulting in reduction in Sum Assured (SA).
The policy can be reduced paid up in Active and Active Lapse state.
The Sum Assured gets reduced as per the premium paid till date, and
the policy remains in the reduced paid up state till maturity.
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Reduced Paidup
Process Flow: Reduced Paid-Up
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Conversion
Conversion: Mandatory Documents
Conversion Request Form
Policy Bond
Premium Receipt Book
Consent Letter
Certificate of Good Health
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Conversion
Conversion: Features
Conversion means any change that affects the date of maturity of
an insurance contract.
Conversion also results in increase or decrease of the policy
premium.
The Whole Life Assurance product can be changed to
another Whole Life Assurance preceding the Premium
Ceasing Age.
At the time of Conversion, date of maturity can be ante-dated or
post-dated.
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Conversion
Process Flow: Conversion
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Surrender
Surrender
Surrender: Mandatory Documents
Surrender Request Form
Policy Bond
Premium Receipt Book
D.O.C for last one Year (in case of Pay Recovery)
Duplicate Policy Bond (in case of document lost)
Indemnity Bond (if duplicate bond not available)
Cancelled Cheque (in case of EFT disbursement type)
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Surrender
Surrender: Features
The Surrender value of a policy is the amount that is payable to a
client for which the contingent benefit of the policy is given up and is
surrendered for an immediate cash payment.
The Surrender value offered to the client depends on the
insurance product and how long the client have had it.
To surrender the policy, the policy should have been in place for a
minimum period of 3 years and the premiums paid up to date.
A client surrenders the policy and gets paid out for the same.
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Surrender
Process Flow: Surrender
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Loan
Loan: Mandatory Documents
Duly filled Loan Application Form
Policy Bond
Premium Receipt Book( in case of Cash Policy)
Loan Repayment Receipt Book (in case of second or subsequent
Loan)
D.O.C for the last six months for deduction of premium (pay recovery
policy)
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Loan
Loan: Features
Loan clause of the PLI policies allow the client to get a low interest loan. Loan
is approved for applied amount if all the eligibility criteria are met.
The Loan feature is available for the PLI products. The loan is sanctioned
against the policy.
Loan against a policy gives a great advantage to the client because it is
very low interest rate.
The maximum loan amount that can be issued is 90% of the Surrender
value provided the policy has been in place for more than 3 years.
The insurance policy is assigned to the President of India until such time as the
loan is fully paid up.
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Loan
Process Flow: Loan
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Client Maintanance
Client Maintenance: Mandatory Documents
Service Request Application Form
Address Proof
Employer’s Certificate
ID Proof – PAN Card, Driving License, Passport
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Client Maintanance
Client Maintenance: Features
The Client Maintenance system allows the users to process change requests
such as name, address, billing, frequency and bank details of a client.
Customers in this context are also known as policy holders. They are
classified into five types of entities based on their roles and functions.
Customer entities are Insured, Proposer Nominee, Appointee, Assignee and
Trustee.
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Client Maintanance
Client Maintenance Process
Logging in to the Application
Generating a Quote
Indexing the request
Scanning the documents
Reserving the request
Entering details for the request
Checking quality of the details submitted for the request
Approving the request
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Duplicate Policy Bond / Premium Receipt Book
Duplicate Policy Bond Duplicate Premium Receipt:
Mandatory Documents
Duplicate Policy Document Application Form
Indemnity Bond
Advertisement in Newspaper
Original Receipt of Duplicate Policy Fee
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Duplicate Policy Bond / Premium Receipt Book
Duplicate Policy Bond and Duplicate Premium
Receipt: Features
If customers have lost or misplaced their policy documents, they can request
for a Duplicate Policy Bond.
A nominal fee of Rs. 50/- is charged to the customer to issue a Duplicate
Policy Bond. A nominal fee of Rs.10/- is charged to the customer to issue a
Duplicate Premium Receipt.
A Duplicate Premium Receipt can be issued at the post office level also;
hence it can be generated and provided to the customer immediately.
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Duplicate Policy Bond / Premium Receipt Book
Process Flow: Duplicate Policy Bond
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Change Nomination
Change Nomination: Mandatory Documents
Nomination Change Request Form
Age Proof/Address Proof (if required)
Other Supporting Documents (if requested)
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Change Nomination
Nomination: Features
Nomination is a privilege given to a policy holder to choose a person(s) or a Trust(s) to
receive the death claim under a policy.
Nomination does not transfer any financial interest to the Nominee during the
policy holder's lifetime.
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Change Nomination
Process Flow: Nomination
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Assignment
Assignment : Mandatory Documents
Assignment Form
Written Consent from Assignee (in case of Reassignment - Type
Absolute)
Other Supporting Documents (if requested)
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Assignment
Assignment and Nomination:
Features
Assignment of a policy transfers rights, title and interest to a person(s),
Trust(s) or company(ies).
An Assignor refers to the policy holder who assigns or transfers the policy
in favor of another..
An Assignee refers to a person to whom the policy is assigned by the
Assignor
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Assignment
Process Flow: Assignment
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Death Claim
Compulsory Documents/Information
Claim Intimation
Death Certificate
Dispute
Date of Death
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Death Claim
Steps In the Processing of Death Claims
• Intimation
Stage 1
• Processing
Stage 2
• Adjudication
Stage 3
• Payment/Denial
Stage 4
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Death Claim
Death Claim Intimation – Process Overview
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Death Claim
Death Claim Processing – Process Overview
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Maturity /Survival Claim
Compulsory Documents
Discharge Voucher
Policy Document/Indemnity Bond
ID Proof
Assignment/Reassignment (If Any)
Copy of Policy Premium Passbook
Cancelled Cheque
D.D.O Certificate (In case Pay Recovery)
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Maturity /Survival Claim
Steps In the Processing of Maturity/Survival Claims
• A customer can submit documents at PO/CPC under Maturity and Survival Claim
processing, 60 days before the maturity/survival due date. The system does not
accept documents for a policy where the Maturity/Survival is after 60 days (from the
Step 1 current date).
• The Indexer can search and retrieve the policy details on the Indexing screen. After
clicking Submit on the screen, a reference number (Ticket Number) is generated by
the system for the indexed case on successful indexing. The system displays a
Step 2 message confirming the same.
• After a Ticket ID is generated, the system creates a claim case and populates it in the
Group Inbox. The Indexing process is the same for both Maturity and Survival Claims.
However, while there can be multiple instances of Indexing under Survival Claim
during the policy life cycle (only one Active Survival Claim during the policy life cycle at
Step 3 stipulated time), there can be only one Maturity Claim process initiated for a policy.
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Maturity /Survival Claim
Maturity/Survival Claim – Process Overview
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