LIC policy – I to P – Illness minimum waiting period – Indigestion – Insanity – Hernia – Jaundice – Kidney removal – Kidney stone – and others – underwrting rules/44April 24, 2021 admin LIC policy - Illness minimum waiting period - Indigestion - Insanity - Hernia - Jaundice - Kidney removal - Kidney stone - and others - underwrting rules/44 Fresh FMR and Proposal Form are to be obtained on resubmitting the proposal after the waiting period.