My actual date of birth is 22 November 1977, but the date mentioned on all documents is 22 November 1975. Can I have an insurance policy issued to me on the basis of my actual date of birth? I do not have a birth certificate.
Sadanand Mallya, Bangalore
This problem is faced by many people, but you cannot get a policy for a date other than what is stated in documentary proof. Insurers require documentary proof of the date of birth of the insured before issuing a life cover because his age at the time of taking the policy forms the basis for determining his eligibility to take the policy and affects the premium amount. Mortality charges also depend on the age of the insured. Only documents such as the matriculation certificate, driving licence, passport and PAN card are accepted as proofs of age. Also, in the absence of a birth certificate that validates your actual date of birth, insurers will take into account the date of birth given on other available documents.
