Policyholder Covenants, The Policyholder shall collect the valid and complete DOGH, if applicable, along with such other documents as it may require for the purpose of the insurance cover given to the Member. A Non-Linked Non-Participating One Year Renewable Group Term Insurance Plan. l) “IRDA” or “IRDAI” means the Insurance Regulatory and Development Authority. Any such form wherein the scribe portion is not completed will not be valid, and no benefit accruing pursuant to this Declaration (including insurance benefit) will. Only a one page DOGH (Declaration Of Good Health) form to be signed by the customer. (3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the.