LIC policy – A to D – Illness minimum waiting period – Arthritis – Abortion – Appendcitis – Conjunctivitis – Caesarian – Circumcision – Diarrhoea etc.,- Prerna Underwriting rules/ 43April 24, 2021 admin LIC policy - Illness minimum waiting period - Arthritis - Abortion - Appendcitis - Conjunctivitis - Caesarian - Circumcision - Diarrhoea etc. Fresh FMR and Proposal Form are to be obtained on resubmitting the proposal after the waiting period.