Explanation

If the policy was in force under the grace period at the date of the surgery, it will be considered in full force for this purpose provided the relevant premium was paid in full during the grace period, or advanced by State Life under the APL option.
A policy in force on December 31, 2007 which later on lapsed or became auto surrendered and was then revived before surgery will not be eligible for benefit in respect of surgery during January 1, 2008 to December 31, 2008. However, if the scheme is continued beyond December 31, 2008, to be decided after the actuarial valuation as at December 31, 2008, then such a policy may be eligible for surgery after December 31, 2008 subject to the terms and conditions decided after the 2008 actuarial valuation.
f. As at the date of the surgery, the life insured under the policy should be aged at least 20 years and not more than 65 years. For this purpose, actual dates of birth will be reckoned, not ‘nearest birthday’.