A proposal form is the application used to request insurance and supply information for underwriting. It can ask about age, occupation, health, past claims, property construction, or business activities. Answers about a material fact may affect acceptance, premium, and the validity of coverage.
A Nepalese applicant should check every answer even if an insurance agent fills in the form. Do not sign blank forms or omit a known medical condition because someone says it is unimportant. Keep a copy of the completed application so the disclosure record can be checked if a claim is questioned.