diff --git "a/metadata.csv" "b/metadata.csv" new file mode 100644--- /dev/null +++ "b/metadata.csv" @@ -0,0 +1,10686 @@ +Source,Text +pdf1,"In a life with no guarantees, +get assured benefits +Single pay +option available +Higher deferment +period upto 10 years +Shorter Premium +Paying Terms for +Income Options +Guaranteed* +Benefit Payouts +An individual non-participating, non-linked savings +life insurance plan +Sanchay Plus +* Provided all due premiums have been paid and the policy is in force." +pdf1,"Life becomes more meaningful with the achievement of personal milestones which you +have planned for. But these milestones are often accompanied by added responsibilities, +expenses and the burden of any uncertainty happening. We do our best to ensure that +the financial security is achieved through meticulous planning for key life stages such as +marriage, parenthood, retirement, etc. Life Insurance plan can help you achieve such +goals whilst safeguarding the family’s future against the unforeseen events. +While there are many opportunities that come with respective benefits, the assurance +and convenience that a life insurance plan with guaranteed benefit offers is +irreplaceable. +We at HDFC Life bring to you “ HDFC Life Sanchay Plus ”, a plan that offers guaranteed +returns for you and your family. +KEY FEATURES OF HDFC LIFE SANCHAY PLUS + Guaranteed benefits – Rest assured of the returns + Tax benefits – You may be eligible for tax benefits as per prevailing tax laws + Flexibility – Guaranteed benefits as a lump sum or as regular income + Life Long Income option – Guaranteed income till age 99 years + Long Term Income option – Guaranteed Income for a fixed term of 25 to 30 years + Optional Riders – Enhance your protection coverage with rider options on payment + of additional premium" +pdf1,"ELIGIBILITY +Eligibility Criteria +Age at Entry +Age (years) +Age at Maturity +(years) +Minimum instalment +Premium +Maximum instalment +Premium +Riders +Guaranteed Income +Guaranteed Maturity +Life Long Income +Long Term Income +Guaranteed Income +Guaranteed Maturity +Life Long Income +Long Term Income +301 days +301 days +50 +31 +18 +18 +55 years +18 years +85 +80 +85 +75 +60 +60 +65 +65 +All Options +Single Pay: ` 30,000 +Annual : ` 30,000 +Half yearly: ` 15,000 +Quarterly: ` 7,500 +Monthly: ` 2,500 +No limit, subject to Board Approved +Underwriting Policy (BAUP) +HDFC Life Income Benefit on Accidental +Disability Rider – Non Linked +(101B041V01) +HDFC Life Protect Plus Rider – Non Linked +(101B040V01) +HDFC Life Health Plus Rider – Non Linked +(101B031V02) +HDFC Life Waiver of Premium Rider – +Non Linked (101B032V02) +All Options +All Options +Plan Option Minimum Maximum" +pdf1,"Premium payable at other than Annual frequency shall be calculated by multiplying the +Annual Premium by Conversion Factor: +Frequency +Half-yearly +Quarterly +Monthly +0.5100 +0.2600 +0.0875 +Conversion Factor +ELIGIBILITY CRITERIA For POSP Variant +Eligibility Criteria +Age at Entry +Age (years) +Age at Maturity +(years) +Minimum +instalment +Premium +Minimum +instalment +Premium +Guaranteed Income +Guaranteed Maturity +Life Long Income +Long Term Income +Guaranteed Income +Guaranteed Maturity +Life Long Income +Long Term Income +301 days +301 days +50 +31 +18 +18 +55 +18 +60 +60 +60 +60 +65 +All Options Annual: +Single Pay: ` 30,000 +` 30,000 +Half yearly: ` 15,000 +Quarterly: ` 7,500 +Monthly: ` 2,500 +Maximum premium is subject to maximum +Sum Assured on Death of ` 25,00,000. +The acceptance of any case is subject to +Board approved underwriting policy. +All Options +Riders NoneAll Options +Plan Option +1. Risk cover starts from date of commencement of policy for all lives including minors. In case of a +minor life, the policy will vest on the Life Assuredon attainment of age 18 years +All ages mentioned above are age last birthday. +The minimum premium amounts are exclusive of taxes and levies as applicable. +HOW THIS PLAN WORKS? +Options +Guaranteed +Maturity +Single Pay +5 years +6/ 7/ 8/ 9/ 10 years +5 to 20 years +10 to 20 years +12 to 20 years +Maturity benefit paid as +lump sum at the end of the +Policy Term +Policy Term Payout PeriodPremium Paying +Term +HDFC Life Sanchay Plus allows you to choose from four benefit options depending upon +your life stage and your priorities in life. The option once chosen cannot be altered. +MaximumMinimum" +pdf1,"Options +Guaranteed +Income +Life Long +Income +Long Term +Income +7 years +8 years +9 years +10 years +11 years +12 years +Single Pay 5 to 20 years +5 years 5 to 15 years +6 years 6 to 15 years +7 to 15 years +8 to 15 years +9 to 15 years +10 to 20 years +11 to 20 years +12 to 20 years +5 years 5 to 15 years +Single Pay 5 to 10 years +Policy Term Payout PeriodPremium Paying +Term +Maturity benefit paid as a +guaranteed income for a +fixed term of 10 or 12 years +starting from (Policy Term + +1)th year in arrears. +Single Pay +5 years +6 years +7 years +8 years +9 years +10 years +11 years +12 years +5 to 15 years + 5 to 15 years + 6 to 15 years +7 to 15 years +8 to 15 years +9 to 15 years +10 to 15 years +11 to 15 years +12 to 15 years +Maturity benefit paid as a +guaranteed income for a +fixed term of 25 or 30 years +starting from (Policy Term + +1)th year in arrears. +6 years 6 to 15 years +7 years 7 to 15 years +8 years 8 to 15 years +9 years 9 to 15 years +10 years 10 to 20 years +11 years 11 to 20 years +12 years 12 to 20 years +Maturity benefit paid as a +guaranteed income from +(Policy Term + 1)th year in +arrears till individual attains +age 99 years." +pdf1,"BENEFITS IN DETAIL +This section details the benefits payable during the policy term and payout period as per +the option chosen. Premium excludes taxes, extra premium on account underwriting or +payment frequency and rider premiums, if any. +PLAN OPTION – GUARANTEED MATURITY +Maturity Benefit: +This option offers a maturity benefit payable as lump sum at the end of policy term upon +payment of all due premiums and the life assured surviving the policy term. +Pay premium during the premium payment term +0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 +Get Guaranteed Benefit at maturity +The maturity benefit is equal to Sum Assured on Maturity plus accrued Guaranteed +Additions. +Where, Sum Assured on Maturity shall be equal to Single Premium in case of Single Pay +Policy and equal to total Annualized Premium payable under the policy during the +premium payment term in case of Limited Pay Policy. +Guaranteed Additions (GA) will accrue at every policy anniversary as detailed below +• For Single Pay; from year 2 onwards +• For PPT 5 years GA will start accruing from year 6 onwards +• For PPT 6, 7 & 8 GA will start accruing from year 7 onwards +• For PPT 9 & 10 GA will start accruing from year 8 onwards +Please refer Guaranteed Additions mentioned under section “TERMS & CONDITIONS” +below" +pdf1,"On the maturity date, you shall have an option to receive the Sum Assured on Maturity, +which under this option, shall be the present value of future payouts, discounted at a rate +of 9% p.a. This interest rate is not guaranteed. However, any change in the interest rate +will be subject to prior approval of the Authority and will be applicable only to the policies +sold after the date of change. +At any point of time during the Payout Period, you shall have an option to receive the +future income as a lump sum, which shall be the present value of future payouts, +discounted at a rate which is computed using the prevailing interest rates described +below. +On death of the Life Assured during the Payout Period, the nominee shall continue +receiving Guaranteed Income as per Income Payout Frequency & benefit option chosen +till the end of Payout Period. The nominee shall have an option to receive the future +income as a lump sum, which shall be the present value of future payouts, discounted at +a rate which is computed using the prevailing interest rates as described below. +Death Benefit: +In case of death of Life Assured during the policy term, the death benefit equal to Sum +Assured on Death shall be payable to the nominee. +Sum Assured on Death is the highest of: +10 times the Annualized Premium / 1.25 times the Single Premium,or +105% of Total Premiums paid, or +Premiums paid accumulated at an interest of 5% p.a. compounded annually, or +Sum Assured on Maturity, or +an absolute amount assured to be paid on death, which is equal to the Sum Assured +Sum Assured shall be equal to the applicable Death Benefit Multiple times the Annualized +/ Single Premium. The applicable Death Benefit Multiples are specified below. +Upon the payment of the death benefit, the policy terminates and no further benefits are +payable. +^An additional income is payable in case of higher premium amount, please refer to the Enhanced +Benefit for High Premium Policies +PLAN OPTION – LIFE LONG INCOME +Maturity Benefit: +This option offers a benefit of a guaranteed income up to age 99 years and a return of +premium at the end of payout period upon payment of all due premiums and life +assured surviving the policy term. +Get Guaranteed Income up to age 99 +Pay premium during the +premium payment term Return of Total premiums paid +0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 - - - - - - - - - - - - - - age 99 +The amount of guaranteed income^ shall be equal to the percentage of Annualized / +Single Premium depending on the Premium Payment Term and Policy Term." +pdf1,"Death Benefit: +In case of death of Life Assured during the policy term, the death benefit equal to Sum +Assured on Death plus Accrued Guaranteed Additions shall be payable to the nominee. +Sum Assured on Death is the highest of: +10 times the Annualized Premium1 / 1.25 times the Single Premium, or +105% of Total Premiums paid2, or +Sum Assured on Maturity, or +an absolute amount assured to be paid on death, which is equal to the Sum +Assured. +Sum Assured shall be equal to the applicable Death Benefit Multiple times the +Annualized/ Single Premium. The applicable Death Benefit Multiples are specified below. +Upon the payment of the death benefit, the policy terminates and no further benefits +are payable. +The amount of guaranteed income ^ shall be equal to the percentage of Annualized / Single Premium +depending on the Premium Payment Term and Policy Term. +^An additional income is payable in case of higher premium amount, please refer to the Enhanced +Benefit for High Premium Policies +PLAN OPTION – GUARANTEED INCOME +Maturity Benefit: +This option pays you a maturity benefit in the form of Guaranteed Income for fixed term +of 10 or 12 years upon payment of all due premiums and life assured surviving the policy +term. +0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 +Pay premium during the +premium payment term +Get Guaranteed Income +during the payout period +1 Annualized Premium shall be the premium amount payable in a year excluding taxes, rider premiums, +underwriting extra premiums and loadings for modal premiums +2 Total Premiums Paid means total of all the premiums paid under the base product, excluding any +extra premium and taxes, if collected explicitly." +pdf1,"At the end of the Payout Period, the policy terminates by returning Total Premiums paid. +On the maturity date, you shall have an option to receive the Sum Assured on Maturity, +which under this option, shall be the present value of future payouts, discounted at a rate +of 9% p.a. This interest rate is not guaranteed. However, any change in the interest rate +will be subject to prior approval of the Authority and will be applicable only to the policies +sold after the date of change. +At any point of time during the Payout Period, you shall have an option to receive the +future income as a lump sum, which shall be the present value of future payouts, +discounted at a rate which is computed using the prevailing interest rates described +below. +On death of the Life Assured during the Payout Period, the nominee shall continue +receiving Guaranteed Income as per Income Payout Frequency & benefit option chosen +till the end of Payout Period. The nominee shall have an option to receive the future +income as a lump sum, which shall be the present value of future payouts, discounted at +a rate which is computed using the prevailing interest rates as described below. +Death Benefit: +In case of death of Life Assured during the policy term, the death benefit equal to Sum +Assured on Death shall be payable to the nominee. +Sum Assured on Death is the highest of: +10 times the Annualized Premium / 1.25 times the Single Premium, or +105% of Total Premiums paid, or +Premiums paid accumulated at an interest of 5% p.a. compounded annually, or +Sum assured on Maturity, or +an absolute amount assured to be paid on death, which is equal to the Sum Assured. +Sum Assured shall be equal to the applicable Death Benefit Multiple times the Annualized/ +Single Premium. The applicable Death Benefit Multiples are specified below. +Upon the payment of the death benefit, the policy terminates and no further benefits are +payable. +PLAN OPTION – LONG TERM INCOME +The amount of guaranteed income ^ shall be equal to the percentage of Annualized / +Single Premium depending upon the Premium Payment Term and Policy Term. +Maturity Benefit: +This option offers a benefit of guaranteed income for fixed term of 25 or 30 years and a +return of premium at the end of payout period upon payment of all due premiums and +life assured surviving the policy term. +Pay premium during the +premium payment term +Get Guaranteed Income up to 30 years +Return of Total premiums paid +0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 35 36- - - - - - - - - - - - - - - +^An additional income is payable in case of higher premium amount, please refer to the Enhanced +Benefit for High Premium Policies" +pdf1,"At the end of the Payout Period, the policy terminates by returning Total Premiums paid. +On the maturity date, you shall have an option to receive the Sum Assured on Maturity, +which under this option, shall be the present value of future payouts, discounted at a rate +of 9% p.a. This interest rate is not guaranteed. However, any change in the interest rate +will be subject to prior approval of the Authority and will be applicable only to the policies +sold after the date of change. +At any point of time during the Payout Period, you shall have an option to receive the +future income as a lump sum, which shall be the present value of future payouts, +discounted at a rate which is computed using the prevailing interest rates described +below. +On death of the Life Assured during the Payout Period, the nominee shall continue +receiving Guaranteed Income as per Income Payout Frequency & benefit option chosen +till the end of Payout Period. The nominee shall have an option to receive the future +income as a lump sum, which shall be the present value of future payouts, discounted at +a rate which is computed using the prevailing interest rates as described below. +Death Benefit: +In case of death of Life Assured during the policy term, the death benefit equal to Sum +Assured on Death shall be payable to the nominee. +Sum Assured on Death is the highest of: +10 times the Annualized Premium / 1.25 times the Single Premium, or +105% of Total Premiums paid, or +Premiums paid accumulated at an interest of 5% p.a. compounded annually, or +Sum Assured on Maturity, or +an absolute amount assured to be paid on death, which is equal to the Sum Assured. +Sum Assured shall be equal to the applicable Death Benefit Multiple times the Annualized +/ Single Premium. The applicable Death Benefit Multiples are specified below. +Upon the payment of the death benefit, the policy terminates and no further benefits are +payable." +pdf1,"Death Benefit Multiple (applicable for all plan options): +For Single Premium Policy - Sum Assured will be determined based on your entry age and +the Single Premium you commit to pay. +*Age will be entry age as on the last birthday. +Age* Age* Age* Death Benefit +Multiple +0 +1 +2 +3 +4 +5 +6 +7 +8 +9 +10 +11 +12 +13 +14 +15 +16 +Death Benefit +Multiple +1.50 +1.50 +1.49 +1.49 +1.48 +1.48 +1.47 +1.47 +1.46 +1.46 +1.45 +1.45 +1.44 +1.44 +1.43 +1.43 +1.42 +17 +18 +19 +20 +21 +22 +23 +24 +25 +26 +27 +28 +29 +30 +31 +32 +33 +1.42 +1.41 +1.41 +1.40 +1.40 +1.39 +1.39 +1.38 +1.38 +1.37 +1.37 +1.36 +1.36 +1.35 +1.35 +1.34 +1.34 +Age* Death Benefit +Multiple +34 +35 +36 +37 +38 +39 +40 +41 +42 +43 +44 +45 +46 +47 +48 +49 +50 +Death Benefit +Multiple +1.33 +1.33 +1.32 +1.32 +1.31 +1.31 +1.30 +1.30 +1.29 +1.29 +1.28 +1.28 +1.27 +1.27 +1.26 +1.26 +1.25 +51 +52 +53 +54 +55 +56 +57 +58 +59 +60 +61 +62 +63 +64 +65 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25 +1.25" +pdf1,"*Age will be entry age as on the last birthday. +Age* Age* Age* Death Benefit +Multiple +0 - 5 +6 +7 +8 +9 +10 +11 +12 +13 +14 +15 +16 +17 +18 +Death Benefit +Multiple +15.00 +14.90 +14.80 +14.70 +14.60 +14.50 +14.40 +14.30 +14.20 +14.10 +14.00 +13.90 +13.80 +13.70 +19 +20 +21 +22 +23 +24 +25 +26 +27 +28 +29 +30 +31 +32 +13.60 +13.50 +13.40 +13.30 +13.20 +13.10 +13.00 +12.90 +12.80 +12.70 +12.60 +12.50 +12.40 +12.30 +Age* Death Benefit +Multiple +33 +34 +35 +36 +37 +38 +39 +40 +41 +42 +43 +44 +45 +46 +Death Benefit +Multiple +12.20 +12.10 +12.00 +11.90 +11.80 +11.70 +11.60 +11.50 +11.40 +11.30 +11.20 +11.10 +11.00 +10.90 +47 +48 +49 +50 +51 +52 +53 +54 +55 +56 +57 +58 +59 +60 - 65 +10.80 +10.70 +10.60 +10.50 +10.45 +10.40 +10.35 +10.30 +10.25 +10.20 +10.15 +10.10 +10.05 +10.00 +For Limited / Regular Premium Policy - Sum Assured will be determined based on your +entry age and the Annualized Premium you commit to pay in a policy year. +Rider UIN +HDFC Life Income +Benefit on Accidental +Disability Rider – Non +Linked +It is a Non-Linked, Non- Participating, Pure risk +premium, Individual Life rider. A benefit equal to 1% +of Rider Sum Assured per month for the next 10 +years, in case of an Accidental Total Permanent +Disability. There is no maturity benefit available +under this rider. +Scope of Benefits** +101B041V01 +Rider Options: +We offer the following Rider options (as modified from time to time) to help you enhance +your protection" +pdf1,"The premiums are excluding applicable taxes & levies. The values shown are for illustrative purpose only. +^ Guaranteed Income Amount payable in arrears on annual frequency during the payout period (After the +policy term). +* Please refer to the Benefit Illustration for year wise Death Benefit. +Sample Illustration +Illustration of benefits for healthy male aged 30 years (50 years for Life Long Income +Option), who pays ` 1 Lac + Taxes per annum throughout the premium paying term and +survives the policy term. +HDFC Life Protect Plus +Rider – Non Linked +HDFC Life Health Plus +Rider – Non Linked +HDFC Life Waiver of +Premium Rider – +Non Linked +101B040V01 +101B031V02 +101B032V02 +Plan +Option +Guaranteed +Maturity +Guaranteed +Income +`1,000,000 +`1,250,000 +Sum +Assured +20 +`1,451,837 +`1,250,000 `2,227,460 paid as a lump +sum at Maturity +13 +Policy +Term +(years) +Death +Benefit at +Inception* +10 +12 +Premium +Paying +Term +(years) +Maturity Benefit (INR) +Guaranteed Income^ of ` 2,02,750 +p.a. from 14th year to 25th year +(payout period of 12 years) +Rider UIN +It is a Non-Linked, Non- Participating, Pure risk +premium, Individual Life/Health rider. +Option A: Personal Accident Cover Lump sum/ +income benefit on Accidental Death/ ATPD/ APPD +Option B: Accidental Death Cover +In an unforeseen event of death of the Life Assured +/ Scheme Member due to accident during the rider +term, 100% of the rider sum assured will be paid to +the nominee +Option C: Cancer Cover +A lump-sum benefit is payable on diagnosis of +cancer +Waiver of premiums for 3 years on diagnosis of +early stage cancer +It is a Non-Linked, Non- Participating, Pure risk +premium, Individual Health rider. A lump sum +benefit equivalent to Rider Sum Assured shall be +payable on diagnosis of any of the covered 60 +Critical Illnesses or benefit as a proportionate of +the Rider Sum Assured shall be payable on +diagnosis of Early Stage Cancer / Major Cancer +depending on the option chosen. No maturity +benefit is payable under this rider. +It is a Non-Linked, Non- Participating, Pure risk +premium, Individual Health rider. Waiver of +Premium for the outstanding premium of base +policy and all other riders attached to the base +policy at inception of this rider, on death, disability +or diagnosis of any listed critical illnesses of the +Rider Life Assured. Enjoy continued policy benefits +even in case of life's eventualities. +Scope of Benefits** +**For all details on Riders, kindly refer to the Rider Brochures available on our website" +pdf1,"NON-FORFEITURE BENEFITS +To enjoy the policy benefits, it is important that you pay all due premiums by the due +date. This section details the benefits and limitations in case premiums are not paid +during the term of the policy. +Grace period: +Grace period is not applicable for Single Premium Policy. For Limited / Regular Premium +Policy, you get a grace period of 15 days for monthly frequency of premium payment and +30 days for other frequencies to pay the premium without any penalty. If premium is not +received before the end of grace period, the policy will lapse or become paid-up. The +policy is considered to be in-force with the risk cover during the grace period without any +interruption. +In case of a valid claim during the grace period, before payment of due premium, the +claim shall be payable after deducting the due modal premium. +Lapse, Paid-up and Surrender: +(1) For Single Premium Policy – Lapse and Paid-Up not applicable. Refer below section for +surrender. +(2) For Limited / Regular Premium Policy - The policy shall acquire a Surrender Value +(cash value) after completion of first policy year provided one full year premium has +been received. +The premiums are excluding applicable taxes & levies. The values shown are for illustrative +purpose only. +^ Guaranteed Income Amount payable in arrears on annual frequency during the payout period +(After the policy term). +* Please refer to the Benefit Illustration for year wise Death Benefit. +Plan +Option +Long +Term +Income +`1,250,000 +Sum +Assured +`1,250,000 11 +Policy +Term +(years) +Death +Benefit at +Inception* +10 +Life Long +Income +`1,050,000 `1,050,000 11 10 +Premium +Paying +Term +(years) +Maturity Benefit (INR) +Guaranteed Income^ of ` 87,000 +p.a. from 12th year to 36th year +(payout period of 25 years) + +`10,00,000 at the end of payout +period (36th year) +Guaranteed Income^ of ` 80,250 +p.a. from 12th year till age 99 years +(38 years)+ ` 1,000,000 at the end +of payout period." +pdf1,"If a due premium is unpaid upon the expiry of the grace period, the policy shall: +lapse if it has not acquired a Surrender Value +become reduced paid-up if it has acquired a Surrender Value +In case of a lapsed policy, all the benefits shall cease and nothing is payable on death, +maturity or surrender +Once the policy becomes paid-up, the survival and death benefit payouts shall reduce +as defined below: +Paid-up Maturity/Death benefit: +For Limited / Regular Pay Policy - Once the policy becomes reduced paid-up, the +maturity and death benefit payouts shall be computed by multiplying the +death/maturity payouts as specified in “Benefits in detail” section to the ratio of the +premiums paid to the premiums payable under the policy. Under the Guaranteed +Maturity option, no further Guaranteed Additions shall accrue in the future. The +Guaranteed Additions accrued till the date of paid-up shall continue to remain +attached. +Surrender: +The Policyholder may surrender the policy during the Policy Term. +The Surrender Benefit will be higher of GSV (Guaranteed Surrender Value) and SSV +(Special Surrender Value). +The policy shall acquire a Guaranteed Surrender Value (GSV) immediately on the +payment of Single Premium and upon the payment of at least first two years’ premiums +in case of a Limited/ Regular Premium Policy. +The minimum GSV shall be the sum of: +a) the GSV of the total premiums paid and +b) the Surrender Value of the Guaranteed Additions, already accrued to the policy, if +applicable." +pdf1,"Where, +the GSV of the total premiums paid shall be determined as the applicable GSV factors +on total premiums paid at the time of surrender multiplied to the total premiums paid +to date. The premium is excluding any taxes and levies paid as applicable or any extra +premiums paid. +the Surrender Value of the Guaranteed Additions paid shall be determined as the +applicable GSV factors on the Guaranteed Addition at the time of surrender +multiplied to the Guaranteed Additions already accrued to the policy (applicable to +Plan Option: Guaranteed Maturity). +For details on GSV percentage, please refer “Terms and Conditions” section below. +Special Surrender Value (SSV) shall become payable after completion of first policy year +provided one full year premium has been received. For single premium policies, SSV shall +become payable immediately after receipt of single premium. On payment of the +Surrender Benefit, the policy will terminate and no more benefits will be payable. +Revival: +If your Policy has been discontinued due to the non-payment of Premium, it would be +revived /restored by the Insurer with all the benefits mentioned in the Policy document, +with or without rider benefits, if any, upon the receipt of all the Premiums due and other +charges/late fee, if any, during the revival period, as per the terms and conditions of the +Policy, upon being satisfied as to the continued insurability of the insured/Policyholder on +the basis of the information, documents and reports furnished by the Policyholder; in +accordance with Board approved Underwriting Policy. Currently, the application for the +revival should be made within five years from the due date of the first unpaid Premium +and before the expiry of the Policy Term. The current rate of interest for revival is 9.5% p.a. +Any change in the revival interest rates will be in accordance with the following formula: +Average Annualised 10-year benchmark G-Sec Yield (over last 6 months & rounded upto +the nearest 50 bps) + 2%, at the time of the review. The source of 10-year benchmark +G-sec yield shall be RBI Negotiated Dealing System-Order Matching segment (NDS-OM). +During revival campaigns, the Company may offer reduced interest rates, subject to the +rules of the special revival campaign. The reduced interest rates offered during the +revival campaign may vary from year to year. The maximum interest rate waiver may be +set up to the prevailing revival interest rate. Once the Policy is revived, you are entitled to +receive all contractual Benefits." +pdf1,"TERMS & CONDITIONS +We recommend that you read and understand this product brochure & customised +benefit illustration and understand what the plan is, how it works and the risks involved +before you purchase. +A) Risk Factors: + HDFC Life Insurance Company Limited is the name of our Insurance Company and +“HDFC Life Sanchay Plus” is the name of this plan. The name of our company and +the name of our plan do not, in any way, indicate the quality of the plan, its future +prospects or returns. + Please know the associated risks and the applicable charges, from your Insurance +agent or the Intermediary or policy document issued by insurance company. +B) Suicide Exclusions: +In case of death due to suicide within 12 months from the date of commencement of +risk under the policy or from the date of revival of the policy, as applicable, the +nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total +premiums paid till the date of death or the surrender value available as on the date of +death whichever is higher, provided the policy is in force. +C) Tax Benefits +Tax Benefits may be available as per prevailing tax laws. You are requested to consult +your tax advisor. +D) Cancellation in the Free-Look period: +In case you are not agreeable to the any of the policy terms and conditions, you have +the option of returning the policy to us stating the reasons thereof, within 30 days from +the date of receipt of the policy. On receipt of your letter along with the original policy +document, we shall arrange to refund the premium paid by you, subject to deduction +of the proportionate risk premium for the period on cover and the expenses incurred +by us on medical examination (if any) and stamp duty charges." +pdf1,"H) Income Payout : +The policyholder can choose to receive the Annual income under the Guaranteed +Income, Lifelong Income and Long Term Income option at less frequent intervals. +Income for other than annual frequencies shall be allowed. The amount of income +shall be as given below: +Frequency Income (per frequency) +Semi-annual +Quarterly +Monthly +98% of Annual Income x 1/2 +97% of Annual Income x 1/4 +96% of Annual Income x 1/12 +Note: Annual Income refers to the guaranteed income paid in respect of annual frequency. +E) Alterations: +• Change of Premium Payment frequency is allowed. +• Change of Income Payout frequency is allowed. +• Plan Option, once chosen at inception cannot be changed throughout the policy +term. Such alteration will be in accordance with the Board approved underwriting +policy. +F) Policy Loan: Once your policy has acquired the surrender value, you may avail of a +policy loan upto 80% of the surrender value of your policy subject to applicable terms +and conditions +G) Enhanced Benefit for High Premium Policies +We also offer enhanced benefit for the policies with Annual/Single Premium more than +Rs. 1.5 lakhs." +pdf1,"I) Guaranteed Additions (Applicable for Maturity Option only) + Guaranteed Addition per 1000 Sum Assured on Maturity +1. For Single Premium Policy +1\5 +<=45 - +46-50 - +51-55 +56-60 +1\6 +<=45 +1\7 +- +- +- +- +- +- +- +- +- +46-50 +51-55 +56-60 +46-50 +51-55 +-56-60 +<=45 +1\8 +- +- +- +46-50 +51-55 +56-60 +<=45 +1\9 +- +- +- +- +46-50 +51-55 +- +- +56-60 +<=45 +1\10 +-46-50 +51-55 +- +- +56-60 +<=45 +PPT\ +PT +AGE +BAND 1 324 5 6 7 8 9 1 0 +Policy Years +62.81 62.81 62.81 62.81 +62.34 62.34 62.34 62.34 +61.86 61.86 61.86 61.86 +61.23 61.23 61.23 61.23 +65.92 65.92 65.92 65.92 +65.42 65.42 65.42 65.42 +64.93 64.93 64.93 64.93 +64.29 64.29 64.29 64.29 +68.93 68.93 68.93 68.93 +86.38 86.38 86.38 86.38 +67.87 67.87 67.87 67.87 +67.22 67.22 67.22 67.22 +71.93 71.93 71.93 71.93 +71.33 71.33 71.33 71.33 +70.81 70.81 70.81 70.81 +70.12 70.12 70.12 70.12 +74.97 74.97 74.97 74.97 +74.31 74.31 74.31 74.31 +73.77 73.77 73.77 73.77 +73.02 73.02 73.02 73.02 +76.79 76.79 76.79 76.79 +76.05 76.05 76.05 76.05 +75.45 75.45 75.45 75.45 +74.63 74.63 74.63 74.63 +65.92 +65.42 +64.93 +64.29 +68.93 +86.38 +67.87 +67.22 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Factors as percentage of total premiums paid +Note: This would only be payable once the policy has acquired a guaranteed surrender +value. +Single Premium Policy - +Policy +Year +Policy Term +5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 +1 +2 +3 +4 +5 +6 +7 +8 +9 +10 +11 +12 +13 +14 +15 +16 +17 +18 +19 +20 +Limited / Regular Premium Policy – +For Guaranteed Maturity option +75% +80% +85% +90% +90% +75% +80% +85% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +75% +80% +85% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% +90% 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Branch. There +is a Grievance Redressal Officer at the respective branch to address the customer’s +complaint. To know more about branch address and timing's you can visit this link: +https://www.hdfclife.com/contact-us#BranchLocator Please note, branches are +closed on Sundays, national holidays and region-specific public holidays. +Option 2: Write to us from your registered email ID at service@hdfclife.com. +Option 3: Visit us at our website https://www.hdfclife.com/ +customer-service/grievance-redressal +You may refer to the escalation matrix in case there is no response to a grievance +within the prescribed timelines +If you are still not satisfied with our response, you may approach the Insurance +Ombudsman located in your region. +For more information on our Grievance Redressal Mechanism and the detailed +address of the Insurance Ombudsman, please refer Part G of the policy document +given to you. +L) Nomination as per Section 39 of the Insurance Act 1938 as amended from time to +time: +1) The policyholder of a life insurance on his own life may nominate a person or +persons to whom money secured by the policy shall be paid in the event of his +death. +2) Where the nominee is a minor, the policyholder may appoint any person to +receive the money secured by the policy in the event of policyholder’s death +during the minority of the nominee. The manner of appointment to be laid down +by the insurer. +3) Nomination can be made at any time before the maturity of the policy. +4) Nomination may be incorporated in the text of the policy itself or may be +endorsed on the policy communicated to the insurer and can be registered by the +insurer in the records relating to the policy. +5) Nomination can be cancelled or changed at any time before policy matures, by +an endorsement or a further endorsement or a will as the case may be. +6) A notice in writing of Change or Cancellation of nomination must be delivered to +the insurer for the insurer to be liable to such nominee. Otherwise, insurer will not +be liable if a bonafide payment is made to the person named in the text of the +policy or in the registered records of the insurer. +7) Fee to be paid to the insurer for registering change or cancellation of a" +pdf1,"nomination can be specified by the Authority through Regulations. +8) A transfer or assignment made in accordance with Section 38 shall automatically +cancel the nomination except in case of assignment to the insurer or other +transferee or assignee for purpose of loan or against security or its reassignment +after repayment. In such case, the nomination will not get cancelled to the extent +of insurer’s or transferee’s or assignee’s interest in the policy. The nomination will +get revived on repayment of the loan. +9) The provisions of Section 39 are not applicable to any life insurance policy to +which Section 6 of Married Women’s Property Act, 1874 applies or has at any +time applied except where before or after Insurance Laws (Amendment) Act 2015, +a nomination is made in favour of spouse or children or spouse and children +whether or not on the face of the policy it is mentioned that it is made under +Section 39. Where nomination is intended to be made to spouse or children or +spouse and children under Section 6 of MWP Act, it should be specifically +mentioned on the policy. In such a case only, the provisions of Section 39 will not +apply. +M) Assignment as per Section 38 of the Insurance Act 1938 as amended from time to +time: +1) This policy may be transferred/assigned, wholly or in part, with or without +consideration. +2) An Assignment may be effected in a policy by an endorsement upon the policy +itself or by a separate instrument under notice to the Insurer. +3) The instrument of assignment should indicate the fact of transfer or assignment +and the reasons for the assignment or transfer, antecedents of the assignee and +terms on which assignment is made. +4) The assignment must be signed by the transferor or assignor or duly authorized +agent and attested by at least one witness. +5) The transfer or assignment shall not be operative as against an Insurer until a +notice in writing of the transfer or assignment and either the said endorsement or +instrument itself or copy there of certified to be correct by both transferor and +transferee or their duly authorized agents have been delivered to the Insurer. +6) Fee to be paid for assignment or transfer can be specified by the Authority +through Regulations. +7) On receipt of notice with fee, the Insurer should Grant a written acknowledgement +of receipt of notice. Such notice shall be conclusive evidence against the insurer +of duly receiving the notice. +8) The Insurer may accept or decline to act upon any transfer or assignment or +endorsement, if it has sufficient reasons to believe that it is (a) not bonafide or (b) +not in the interest of the policyholder or (c) not in public interest or (d) is for the +purpose of trading of the insurance policy." +pdf1,"9) In case of refusal to act upon the endorsement by the Insurer, any person +aggrieved by the refusal may prefer a claim to IRDAI within 30 days of receipt of +the refusal letter from the Insurer. + Section L (Nomination) and M (Assignment or Transfer) are simplified versions +prepared for general information only and hence are not comprehensive. For full +texts of these sections please refer to Section 38 and Section 39 of the Insurance +Act, 1938 as amended by The Insurance Laws (Amendment) Act, 2015. +N) Prohibition of Rebates: In accordance with Section 41 of the Insurance Act, 1938 as +amended from time to time: +1) No person shall allow or offer to allow, either directly or indirectly, as an +inducement to any person to take out or renew or continue an insurance in +respect of any kind of risk relating to lives or property in India, any rebate of the +whole or part of the commission payable or any rebate of the premium shown on +the policy, nor shall any person taking out or renewing or continuing a policy +accept any rebate, except such rebate as may be allowed in accordance with the +published prospectuses or tables of the insurer. +2) Any person making default in complying with the provisions of this section shall +be liable for a penalty which may extend to ten lakh rupees. +O) Non-Disclosure: In accordance with Section 45 of the Insurance Act, 1938 as +amended from time to time: +1) No policy of life insurance shall be called in question on any ground whatsoever +after the expiry of three years from the date of the policy, i.e., from the date of +issuance of the policy or the date of commencement of risk or the date of revival +of the policy or the date of the rider to the policy, whichever is later. +2) A policy of life insurance may be called in question at any time within three years +from the date of issuance of the policy or the date of commencement of risk or the +date of revival of the policy or the date of the rider to the policy, whichever is later, +on the ground of fraud: Provided that the insurer shall have to communicate in +writing to the insured or the legal representatives or nominees or assignees of the +insured the grounds and materials on which such decision is based. +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 +mis-statement of or suppression of a material fact was true to the best of his +knowledge and belief or that there was no deliberate intention to suppress the +fact or that such mis-statement of or suppression of a material fact are within the +knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies +upon the beneficiaries, in case the policyholder is not alive. +4) A policy of life insurance may be called in question at any time within three years +from the date of issuance of the policy or the date of commencement of risk or the +date of revival of the policy or the date of the rider to the policy, whichever is later, +on the ground that any statement of or suppression of a fact material to the +expectancy of the life of the insured was incorrectly made in the proposal or other" +pdf1,"document on the basis of which the policy was issued or revived or rider issued: +Provided that the insurer shall have to communicate in writing to the insured or +the legal representatives or nominees or assignees of the insured the grounds +and materials on which such decision to repudiate the policy of life insurance is +based: Provided further that in case of repudiation of the policy on the ground of +misstatement or suppression of a material fact, and not on the ground of fraud, +the premiums collected on the policy till the date of repudiation shall be paid to +the insured or the legal representatives or nominees or assignees of the insured +within a period of ninety days from the date of such repudiation. +5) Nothing in this section shall prevent the insurer from calling for proof of age at any +time if he is entitled to do so, and no policy shall be deemed to be called in +question merely because the terms of the policy are adjusted on subsequent +proof that the age of the Life Insured was incorrectly stated in the proposal. +P) In case of fraud or misrepresentation including non-disclosure of any material facts, +the Policy shall be cancelled immediately and the Surrender Value shall be payable, +subject to the fraud or misrepresentation being established in accordance with +Section 45 of the Insurance Act, 1938, as amended from time to time. +Q) This is not a comprehensive list of amendments of Insurance Laws (Amendment) +Ordinance, 2014 and only a simplified version prepared for general information. Policy +Holders are advised to refer to Original Ordinance Gazette Notification dated +December 26 , 2014 for complete and accurate details +R) Taxes: +Indirect Taxes +Taxes and levies as applicable shall be levied as applicable. Any taxes, statutory levy +becoming applicable in future may become payable by you by any method +including by levy of an additional monetary amount in addition to premium and or +charges. +Direct Taxes +Tax will be deducted at the applicable rate from the payments made under the +policy, as per the provisions of the Income Tax Act, 1961, as amended from time to +time. +S) A policyholder can now have his life insurance policies in dematerialized form +through a password protected online account called an electronic Insurance +Account (eIA). This eIA can hold insurance policies issued from any insurer in +dematerialized form, thereby facilitating the policy holder to access his policies on a +common online platform. Facilities such as online premium payment, changes in +address are available through the eIA. Furthermore, you would not be required to +provide any KYC documents for any future policy purchase with any insurer. For more +information on eIA visit http://www.hdfclife.com/customer-service/ +life-insurance-policy-dematerialization" +pdf1,"Contact us today +To buy: 1800-266-9777 (Toll free) +(Available all days 10am to 7pm) +Visit us at www.hdfclife.com +HDFC Life Insurance Company Limited (""HDFC Life""). CIN: L65110MH2000PLC128245, IRDAI +Registration No. 101. +Registered Of fice: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, +Mahalaxmi, Mumbai - 400 011. +Email: service@hdfclife.com,Tel No: 022-6844-6530 (Local charges apply). Website: +www.hdfclife.com +The name/letters ""HDFC"" in the name/logo of HDFC Life Insurance Company Limited (HDFC Life) +belongs to HDFC Bank Limited and is used by HDFC Life under licence from HDFC Bank Limited. +HDFC Life Sanchay Plus (101N134V24) is a non-participating, non-linked savings insurance +plan. Life Insurance Coverage is available in this product. HDFC Life Income Bene fit on +Accidental Disability Rider – Non Linked (101B041V01) is a Non-Linked, Non- Participating, Pure +risk premium, Individual Life rider. HDFC Life Protect Plus Rider – Non Linked (101B040V01) is a +Non-Linked, Non- Participating, Pure risk premium, Individual Life rider. HDFC Life Health Plus +Rider – Non Linked (101B031V02) is a Non-Linked, Non- Participating/Participating, Pure risk +premium, Individual Health rider. HDFC Life Waiver of Premium Rider – Non Linked (101B032V02) +is a Non-Linked, Non- Participating/Participating, Pure risk premium, Individual Health rider. This +version of the product brochure invalidates all previous printed versions for this particular +plan. This Product brochure is indicative of the terms, warranties, conditions and exclusions +contained in the insurance policy. Please know the associated risk and applicable charges from +your insurance agent or the intermediary or policy document of the insurer. +ARN: PP/12/24/19137. +BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS +• IRDAI or its officials do not involve in any activities of insurance business like selling +insurance policies, announcing bonus or investment of premiums,refund of amounts. +Policyholders or the prospects receiving such phone calls are requested to +lodge a police complaint" +pdf2,"ICICI +LOMBARD +COMPLETE +HEALTH +INSURANCE +The revamped version of +our health insurance is here, +packed with +new features and plans +for enhanced protection" +pdf2,"At ICICI Lombard, we believe that health insurance is not just a matter of saving tax or +getting the protection you need. It can be so much more. It’s about partnering with you +to find precisely what works for you based on your needs and then going the extra mile +to deliver more than what we promise. With countless features and benefits that +include Donor Expenses, Emergency Assistance, World Wide Coverage, Unlimited +Reset, Air Ambulance, Super No Claim Bonus, +ASI Protector, Sum Insured Protector, +Claim protector and a lot more, +we’re redefining the way you stay protected. +World Wide Cover: +In case the customer has opted for this cover, Hospitalization expenses incurred abroad shall +be paid with a co-pay of 10%. This benefit is available for Sum Insured of 10 Lacs and above. +Claim Protector: +In case the customer has opted for this cover, the IRDAI list of non-payable items shall +become payable in case of a claim. +Super No Claim Bonus: +In case the customer has opted for this cover, there will be a 50% bonus awarded for every +claim free year subject to a maximum of 100% for SI options up to 10L and up to 200% for SI +options 15L and above. +Emergency Services: +i. Domestic Road Ambulance - Expenses incurred on road ambulance services will be +covered. Coverage limit under this shall be 1% of the SI up to a maximum of `10,000 +ii. Assistance for ambulance +iii. Tele-consultation +Unlimited Reset Benefit: +We will reset up to 100% of the base Sum Insured unlimited times in a policy year in case +the Sum Insured including accrued additional Sum Insured (if any), Super No Claim Bonus +(if any) and Sum Insured protector (if any) is insufficient as a result of previous claims in that +policy year. +Upgrade your protection with additional* covers" +pdf2,"INSURANCE +POLICY +ASI Protector: +ASI accrued by the customer shall not be impacted if any one claim or multiple claims +admissible in the previous year does not exceed the overall amount of `50,000. +This benefit is available for Sum Insured of 5 Lakhs and above. +Sum Insured Protector: +In case the customer has opted for this cover, the SI will be ncreased at renewal on the +basis of inflation rate of previous year. +Air Ambulance Cover: +Coverage up to the base Sum Insured for Air Ambulance expenses incurred to transfer the +Insured Person following an emergency to the nearest Hospital. +Donor Expenses: +Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, +provided the organ donated is for the insured person’s use. +Domicillary Hospitalisation: +Coverage for medical expenses in a situation where the Insured Person is in such a state +that he/she cannot be moved to a hospital or the treatment is taken at home if there's a +non-availability of room in the hospital. +*These are add-on covers except for Emergency Services. Add-covers are available by paying extra premium." +pdf2,"The Coverage Entails: +Hospitalisation Cover: All expenses pertaining to in - patient hospitalisation such as room rent, +intensive care unit charges, surgeon’s and doctor’s fee, anesthesia, blood, oxygen, operation +theatre charges etc. incurred during hospitalisation for a minimum period of 24 consecutive hours +are covered under the basic hospitalisation cover. +Day Care Surgeries / Treatments Coverage: All the medical expenses incurred while +undergoing Day Care Procedures / Treatment which require less than 24 hours hospitalisation are +covered. Due to Technological advancement of Medical. +Pre and Post Hospitalisation Expenses: Medical expenses incurred, immediately, 30 days +before and 60 days after hospitalisation will be covered. +In Patient AYUSH Treatment: Expenses for Ayurveda, Yoga and Naturapthy, Unani, Siddha and +Homeopathy (AYUSH) treatment only when it has been undergone in a AYUSH hospital or in +AYUSH Day Care Center on Re - imbursement basis. +Unlimited Reset Benefit: We will reset up to 100% of the base Sum Insured unlimited times in +a policy year in case the Sum Insured including accrued additional Sum Insured (if any), Super No +Claim Bonus (if any) and Sum Insured protector (if any) is insufficient as a result of previous +claims in that policy year. +Emergency Services: +1. Domestic Road Ambulance: Reimbursement up to 1% of Sum Insured maximum up to +`10,000 per hospitalisation for reasonable expenses incurred on availing an ambulance +service offered by a hospital /ambulance service provider in an emergency condition. +2. Ambulance Assistance: Ground medical transportation assistance by a Service provider to +transport the Insured Person to the nearest Hospital or any clinic or nursing home for +medically necessary treatment on cashless basis. +3. Tele Consultation: Consultations and recommendations for routine health issues by a qualified +Medical Practitioner or health care professional. +ASI: An Additional Sum Insured of 10% of Annual Sum Insured provided on each renewal for +every claim free year up to a maximum of 50%. In case of a claim under the policy, the +accumulated Additional Sum Insured will be reduced by 10% of the Annual Sum Insured in the +following year. +Wellness Program: The wellness points so accrued by You can be redeemed against out-patient +medical expenses like consultation charges, medicines and drugs, diagnostics etc +Free Health Check-up: The customer is entitled for a Free Health Check-up at designated +centres. The coupons would be provided to each Insured for every policy year, subject to a +maximum of 2 coupons per year for floater policies." +pdf2,"Hospital Daily Cash Allowances*: A certain amount (as per the plan chosen) will be paid for +each and every completed day of hospitalisation, if such hospitalisation is atleast for a minimum +of 3 consecutive days and subject to maximum of 10 consecutive days. +Convalescence Benefit*: A benefit amount of `10,000 per insured once during the policy +period will be paid in case of hospitalisation arising out of any injury or illness as covered under +the policy, for a period of consecutive 10 days or more. +Nursing At Home*: A certain amount (as per the plan chosen) per day for a maximum of up to +15 days post hospitalisation for the medical services of a nurse at your residence. +Compassionate Visit*: In the event of hospitalisation exceeding 5 days, the cost of economy +class air ticket up to a certain amount (as per the plan chosen) incurred by the customer’s +“immediate family member” while traveling to place of hospitalisation from the place of origin / +residence and back will be reimbursed. “Immediate family member” would mean spouse, +children and dependant parents. +Maternity Benefit*: Reimbursement for medical expenses incurred for delivery, including a +cesarean section, during hospitalisation or lawful medical termination of pregnancy during the +policy period. The waiting period for maternity cover is 3 years. The cover shall be limited to 2 +deliveries / terminations during the period of insurance. Pre - natal and Post - natal expenses shall +be covered under this benefit. This cover is applicable only for floater plan having Self and Spouse +in the same policy. (Inbuilt under Health Elite and Health Elite Plus plans only) +New Born Baby Cover*: The new born child can be covered under this policy during +hospitalisation for a maximum period up to 91 days from the date of birth of the child. This cover +will be provided only if maternity cover is opted. (Inbuilt under Health Elite and Health Elite Plus +plans only) +Out-patient Treatment Cover*: Reimbursement for the medical expenses incurred as an +Outpatient (OPD). +Critical Illness*: The customer can opt for Critical Illness Cover covering specified Critical +Illnesses / medical procedures like Cancer of Specified Severity, First Heart Attack - of Specified +Severity, Open Chest Cabg, Stroke Resulting in Permanent Symptoms, Permanent Paralysis of +Limbs, Kidney Failure Requiring Regular Dialysis, Major Organ / Bone Marrow Transplant, Multiple +Sclerosis with Persisting Symptoms, Open Heart Replacement or Repair of Heart Valves, Coma of +specified severity. A benefit amount is paid up on the diagnosis of the chosen critical illness. +Personal Accident Cover*: The customer can also opt for a Personal Accident Cover where a +fixed sum is paid upon the unfortunate event of Accidental Death or Permanent Total Disablement +resulting from an accident. This cover can be availed only once during your lifetime. Once a claim +becomes payable under this cover, no benefit will be provided under the same thereafter. +*Add on not mandatory and are available for a nominal extra cost. Critical Illness and Personal Accident available only for adults, +subject to maximum of 2 Adults only up to 60 years of age." +pdf2,"Introducing 4 new plans under our Complete Health Insurance - Health Shield, Health Shield +Plus, Health Elite and Health Elite Plus, which offer a host of benefits to cater to all your +healthcare needs. +Plan Name Health Elite Plus +Sum Insured Cover Type 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs +In Patient Treatment +Pre Hospitalisation +Post Hospitalisation +Daycare Procedures and Treatment +PED waiting period +(Declared & Accepted) +In Patient AYUSH hospitalisation +Donor Expenses +Unlimited Reset benefit +Domicillary hospitalisation +Air Ambulance Cover +ASI Protector +Additional Sum Insured (ASI) +Emergency Services +Domestic Road Ambulance +Ambulance Assisstance +Tele Consultation +Value Added Service (VAS) +Health Check-up +Online Chat with Doctor +E-Second Opinion +Dietician & Nutrition e-consultation +Health Assistance +Wellness Program +Claim Protector +Sum Insured Protector +World Wide Cover +(Planned; 10% Copay) +Super No Claim Bonus +Hospital Daily Cash +Convalescence Benefit +Maternity with +New Born Baby Cover +(3 years waiting period) +Outpatient Treatment Cover +Nursing at Home +Compassionate Visit +Critical Illness +Personal Accident +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +Optional Add On +Optional Add On + +30 days +60 days + +2 years + +Upto 10 lakhs + + + + + +`10,000 + + + + + + + + + + + + +`3,000 per day +`10,000 +`20,000 +`3,000 per day +`20,000 +Upto 50% of SI +Upto SI +Normal: `25,000; +Cesarean: `50,000 +Pre post Natal: `2,000 each +New Born: `100,000" +pdf2,"HEALTH ELITE PLUS - PREMIUM CHART +2,000,000 +Indiv. + 26,668 + 27,769 + 35,019 + 35,160 + 45,839 + 66,787 + 78,517 + 118,103 + 152,951 + 165,905 + 184,117 + 200,459 +2A + 42,549 + 44,157 + 51,486 + 51,699 + 70,872 + 104,281 + 123,252 + 187,162 + 264,799 + 287,599 + 319,652 + 348,413 +1A+2K + 43,817 + 44,499 + 48,994 + 49,111 + 59,190 + 73,435 + 81,670 + 109,081 + 161,947 + 173,088 + 188,750 + 202,804 +1A+1K + 35,671 + 36,474 + 41,767 + 41,885 + 52,786 + 69,502 + 79,094 + 111,140 + 150,970 + 162,370 + 178,397 + 192,777 +2A+2K + 61,669 + 63,034 + 68,769 + 68,927 + 86,692 + 115,159 + 131,385 + 185,863 + 287,041 + 309,323 + 340,648 + 368,755 +2A+3K + 72,598 + 73,963 + 79,698 + 79,855 + 98,380 + 126,846 + 143,072 + 197,550 + 301,006 + 323,288 + 354,613 + 382,719 +2A+1K + 50,729 + 52,094 + 57,829 + 58,041 + 75,113 + 103,591 + 119,939 + 174,570 + 273,471 + 295,752 + 327,078 + 355,184 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +1,500,000 +Indiv. + 25,551 + 26,566 + 33,218 + 33,348 + 43,136 + 62,299 + 73,011 + 109,276 + 141,188 + 153,002 + 169,646 + 184,435 +1A+2K + 41,737 + 42,366 + 46,490 + 46,598 + 55,831 + 68,861 + 76,382 + 101,494 + 149,890 + 160,051 + 174,364 + 187,083 +1A+1K + 34,041 + 34,782 + 39,638 + 39,746 + 49,734 + 65,026 + 73,786 + 103,144 + 139,613 + 150,010 + 164,657 + 177,671 +2A + 40,916 + 42,397 + 48,854 + 49,049 + 66,559 + 97,120 + 114,445 + 172,995 + 244,084 + 264,878 + 294,171 + 320,200 +2A+1K + 48,642 + 49,901 + 54,894 + 55,088 + 70,671 + 96,721 + 111,651 + 161,700 + 252,251 + 272,573 + 301,199 + 326,637 +2A+2K + 58,891 + 60,149 + 65,142 + 65,287 + 81,503 + 107,543 + 122,361 + 172,270 + 264,901 + 285,223 + 313,850 + 339,288 +2A+3K + 69,128 + 70,387 + 75,380 + 75,525 + 92,434 + 118,474 + 133,292 + 183,201 + 277,913 + 298,235 + 326,861 + 352,299 +2,500,000 +Indiv. + 27,684 + 28,854 + 36,679 + 36,833 + 48,347 + 70,970 + 83,578 + 126,305 + 163,874 + 177,777 + 197,317 + 214,899 +2A + 44,036 + 45,745 + 53,915 + 54,145 + 74,875 + 110,954 + 131,347 + 200,329 + 284,035 + 308,504 + 342,895 + 373,839 +1A+2K + 45,710 + 46,436 + 51,287 + 51,414 + 62,282 + 77,665 + 86,518 + 116,105 + 173,108 + 185,065 + 201,869 + 216,990 +1A+1K + 37,154 + 38,008 + 43,720 + 43,848 + 55,602 + 73,655 + 83,966 + 118,555 + 161,500 + 173,734 + 190,930 + 206,402 +2A+3K + 75,756 + 77,207 + 83,655 + 83,826 + 103,857 + 134,599 + 152,041 + 210,844 + 322,394 + 346,307 + 379,916 + 410,157 +2A+2K + 64,199 + 65,650 + 72,098 + 72,269 + 91,482 + 122,224 + 139,666 + 198,468 + 307,563 + 331,476 + 365,086 + 395,326 +2A+1K + 52,629 + 54,080 + 60,529 + 60,758 + 79,224 + 109,978 + 127,552 + 186,519 + 293,159 + 317,072 + 350,681 + 380,922 +5,000,000 +Indiv. + 31,080 + 32,313 + 41,974 + 42,169 + 56,311 + 84,662 + 99,922 + 152,941 + 199,172 + 215,858 + 239,085 + 261,234 +1A+2K + 52,039 + 52,804 + 58,794 + 58,954 + 72,331 + 91,609 + 102,340 + 139,068 + 209,377 + 223,727 + 243,702 + 262,751 +1A+1K + 42,110 + 43,010 + 50,063 + 50,224 + 64,678 + 87,301 + 99,794 + 142,726 + 195,632 + 210,315 + 230,755 + 250,247 +2A + 49,007 + 50,807 + 61,657 + 61,949 + 87,579 + 132,793 + 157,486 + 243,101 + 346,200 + 375,566 + 416,446 + 455,430 +2A+1K + 58,982 + 60,511 + 69,236 + 69,527 + 92,392 + 130,933 + 152,227 + 225,422 + 356,887 + 385,586 + 425,537 + 463,635 +2A+3K + 86,314 + 87,843 + 96,568 + 96,784 + 121,593 + 160,119 + 181,246 + 254,231 + 391,798 + 420,498 + 460,448 + 498,546 +2A+2K + 72,656 + 74,185 + 82,910 + 83,126 + 106,918 + 145,444 + 166,571 + 239,556 + 374,073 + 402,772 + 442,722 + 480,820 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +Rates are exclusive of GST, Policy Tenure: 1 year" +pdf2,"Rates are inclusive of GST, Policy Tenure: 1 year +HEALTH ELITE PLUS - PREMIUM CHART +2,000,000 +Indiv. + 31,468 + 32,767 + 41,322 + 41,489 + 54,090 + 78,809 + 92,650 + 139,362 + 180,482 + 195,768 + 217,258 + 236,542 +2A + 50,208 + 52,105 + 60,753 + 61,005 + 83,629 + 123,052 + 145,437 + 220,851 + 312,463 + 339,367 + 377,189 + 411,127 +1A+2K + 51,704 + 52,509 + 57,813 + 57,951 + 69,844 + 86,653 + 96,371 + 128,716 + 191,097 + 204,244 + 222,725 + 239,309 +1A+1K + 42,092 + 43,039 + 49,285 + 49,424 + 62,287 + 82,012 + 93,331 + 131,145 + 178,145 + 191,597 + 210,508 + 227,477 +2A+2K + 72,769 + 74,380 + 81,147 + 81,334 + 102,297 + 135,888 + 155,034 + 219,318 + 338,708 + 365,001 + 401,965 + 435,131 +2A+3K + 85,666 + 87,276 + 94,044 + 94,229 + 116,088 + 149,678 + 168,825 + 233,109 + 355,187 + 381,480 + 418,443 + 451,608 +2A+1K + 59,860 + 61,471 + 68,238 + 68,488 + 88,633 + 122,237 + 141,528 + 205,993 + 322,696 + 348,987 + 385,952 + 419,117 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +1,500,000 +Indiv. + 30,150 + 31,348 + 39,197 + 39,351 + 50,900 + 73,513 + 86,153 + 128,946 + 166,602 + 180,542 + 200,182 + 217,633 +1A+2K + 49,250 + 49,992 + 54,858 + 54,986 + 65,881 + 81,256 + 90,131 + 119,763 + 176,870 + 188,860 + 205,750 + 220,758 +1A+1K + 40,168 + 41,043 + 46,773 + 46,900 + 58,686 + 76,731 + 87,067 + 121,710 + 164,743 + 177,012 + 194,295 + 209,652 +2A + 48,281 + 50,028 + 57,648 + 57,878 + 78,540 + 114,602 + 135,045 + 204,134 + 288,019 + 312,556 + 347,122 + 377,836 +2A+1K + 57,398 + 58,883 + 64,775 + 65,004 + 83,392 + 114,131 + 131,748 + 190,806 + 297,656 + 321,636 + 355,415 + 385,432 +2A+2K + 69,491 + 70,976 + 76,868 + 77,039 + 96,174 + 126,901 + 144,386 + 203,279 + 312,583 + 336,563 + 370,343 + 400,360 +2A+3K + 81,571 + 83,057 + 88,948 + 89,120 + 109,072 + 139,799 + 157,285 + 216,177 + 327,937 + 351,917 + 385,696 + 415,713 +2,500,000 +Indiv. + 32,667 + 34,048 + 43,281 + 43,463 + 57,049 + 83,745 + 98,622 + 149,040 + 193,371 + 209,777 + 232,834 + 253,581 +2A + 51,962 + 53,979 + 63,620 + 63,891 + 88,353 + 130,926 + 154,989 + 236,388 + 335,161 + 364,035 + 404,616 + 441,130 +1A+2K + 53,938 + 54,794 + 60,519 + 60,669 + 73,493 + 91,645 + 102,091 + 137,004 + 204,267 + 218,377 + 238,205 + 256,048 +1A+1K + 43,842 + 44,849 + 51,590 + 51,741 + 65,610 + 86,913 + 99,080 + 139,895 + 190,570 + 205,006 + 225,297 + 243,554 +2A+3K + 89,392 + 91,104 + 98,713 + 98,915 + 122,551 + 158,827 + 179,408 + 248,796 + 380,425 + 408,642 + 448,301 + 483,985 +2A+2K + 75,755 + 77,467 + 85,076 + 85,277 + 107,949 + 144,224 + 164,806 + 234,192 + 362,924 + 391,142 + 430,801 + 466,485 +2A+1K + 62,102 + 63,814 + 71,424 + 71,694 + 93,484 + 129,774 + 150,511 + 220,092 + 345,928 + 374,145 + 413,804 + 449,488 +5,000,000 +Indiv. + 36,674 + 38,129 + 49,529 + 49,759 + 66,447 + 99,901 + 117,908 + 180,470 + 235,023 + 254,712 + 282,120 + 308,256 +1A+2K + 61,406 + 62,309 + 69,377 + 69,566 + 85,351 + 108,099 + 120,761 + 164,100 + 247,065 + 263,998 + 287,568 + 310,046 +1A+1K + 49,690 + 50,752 + 59,074 + 59,264 + 76,320 + 103,015 + 117,757 + 168,417 + 230,846 + 248,172 + 272,291 + 295,291 +2A + 57,828 + 59,952 + 72,755 + 73,100 + 103,343 + 156,696 + 185,833 + 286,859 + 408,516 + 443,168 + 491,406 + 537,407 +2A+1K + 69,599 + 71,403 + 81,698 + 82,042 + 109,023 + 154,501 + 179,628 + 265,998 + 421,127 + 454,991 + 502,134 + 547,089 +2A+3K + 101,851 + 103,655 + 113,950 + 114,205 + 143,480 + 188,940 + 213,870 + 299,993 + 462,322 + 496,188 + 543,329 + 588,284 +2A+2K + 85,734 + 87,538 + 97,834 + 98,089 + 126,163 + 171,624 + 196,554 + 282,676 + 441,406 + 475,271 + 522,412 + 567,368 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80" +pdf2,"Plan Name Health Elite +Sum Insured Cover Type +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On + +30 days +60 days + +2 years + + + + + + + + + + + + + + + +`10,000 +Optional +Optional +Optional +Upto SI +In Patient Treatment +Pre Hospitalisation +Post Hospitalisation +Daycare Procedures and Treatment +PED waiting period +(Declared & Accepted) +In Patient AYUSH hospitalisation +Donor Expenses +Unlimited Reset benefit +Domicillary hospitalisation +Air Ambulance Cover +ASI Protector +Additional Sum Insured (ASI) +Emergency Services +Domestic Road Ambulance +Ambulance Assisstance +Tele Consultation +Value Added Service (VAS) +Health Check-up +Online Chat with Doctor +E-Second Opinion +Dietician & Nutrition e-consultation +Health Assistance +Wellness Program +Hospital Daily Cash +Convalescence Benefit +Maternity with +New Born Baby Cover +(3 years waiting period) +Outpatient Treatment Cover +Claim Protector +Sum Insured Protector +World Wide Cover +(Planned; 10% Copay) +Super No Claim Bonus +Nursing at Home +Compassionate Visit +Critical Illness +Personal Accident +Normal: +`15,000; +Cesarean: +`25,000 +Pre post Natal: +`2,000 each +New Born: +`10,000 +5 Lakhs +Upto SI +1% of SI +`1,000 per day +`5,000 +NA +`2,000 per day +Upto SI +`10,000 +Normal: +`25,000; +Cesarean: +`50,000 +Pre post Natal: +`2,000 each +New Born: +`100,000 +15, 20, 25 & +50 Lakhs +`20,000 +Optional +`3,000 per day +Upto 50% of SI +`20,000 +Upto 10 lakhs +`10,000 +`3,000 per day +Normal: +`25,000; +Cesarean: +`50,000 +Pre post Natal: +`2,000 each +New Born: +`10,000 +7 & 10 Lakhs +Upto SI +1% of SI +`2,000 per day +`10,000 +Optional (for SI +10 lakhs only) +`3,000 per day +Upto SI +`20,000" +pdf2,"Rates are exclusive of GST, Policy Tenure: 1 year +HEALTH ELITE - PREMIUM CHART +1,000,000SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +500,000 +Indiv. + 9,599 + 10,152 + 11,136 + 11,136 + 14,468 + 19,793 + 25,957 + 34,802 + 44,810 + 49,486 + 56,336 + 64,851 +1A+2K + 16,527 + 16,870 + 17,479 + 17,479 + 20,872 + 24,494 + 28,685 + 34,700 + 50,947 + 54,968 + 60,859 + 68,182 +1A+1K + 13,303 + 13,707 + 14,425 + 14,425 + 18,003 + 22,263 + 27,194 + 34,271 + 46,013 + 50,128 + 56,156 + 63,649 +2A + 15,771 + 16,579 + 16,230 + 16,230 + 22,267 + 30,787 + 40,648 + 54,801 + 77,367 + 85,596 + 97,653 + 112,639 +2A+1K + 18,995 + 19,681 + 19,115 + 19,115 + 24,551 + 31,794 + 40,176 + 52,206 + 81,596 + 89,639 + 101,421 + 116,067 +2A+3K + 27,971 + 28,657 + 28,091 + 28,091 + 34,217 + 41,460 + 49,842 + 61,872 + 93,331 + 101,374 + 113,157 + 127,802 +2A+2K + 23,483 + 24,169 + 23,603 + 23,603 + 29,384 + 36,627 + 45,009 + 57,039 + 87,463 + 95,506 + 107,289 + 121,934 +Indiv. + 13,934 + 14,596 + 15,890 + 15,890 + 20,127 + 26,659 + 34,220 + 45,055 + 57,229 + 63,000 + 71,420 + 81,077 +2A + 23,212 + 24,179 + 22,813 + 22,813 + 30,092 + 40,543 + 52,641 + 69,976 + 97,479 + 107,635 + 122,456 + 139,451 +1A+2K + 23,017 + 23,428 + 24,230 + 24,230 + 28,463 + 32,905 + 38,047 + 45,414 + 65,188 + 70,151 + 77,393 + 85,698 +1A+1K + 18,749 + 19,233 + 20,177 + 20,177 + 24,664 + 29,890 + 35,939 + 44,606 + 58,906 + 63,984 + 71,395 + 79,892 +2A+3K + 39,034 + 39,855 + 38,204 + 38,204 + 45,524 + 54,408 + 64,691 + 79,426 + 117,739 + 127,665 + 142,149 + 158,758 +2A+2K + 33,257 + 34,078 + 32,428 + 32,428 + 39,336 + 48,220 + 58,502 + 73,237 + 110,317 + 120,243 + 134,727 + 151,336 +2A+1K + 27,480 + 28,302 + 26,651 + 26,651 + 33,148 + 42,031 + 52,314 + 67,049 + 102,895 + 112,821 + 127,304 + 143,914 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +2,500,000 +Indiv. + 21,897 + 22,756 + 24,459 + 24,459 + 29,892 + 38,393 + 48,398 + 62,665 + 78,762 + 86,173 + 97,114 + 109,854 +1A+2K + 33,983 + 34,516 + 35,572 + 35,572 + 41,037 + 46,817 + 53,621 + 63,322 + 89,355 + 95,728 + 105,137 + 116,094 +1A+1K + 28,277 + 28,905 + 30,148 + 30,148 + 35,931 + 42,732 + 50,736 + 62,150 + 81,014 + 87,535 + 97,163 + 108,375 +2A + 35,107 + 36,362 + 35,593 + 35,593 + 45,168 + 58,769 + 74,777 + 97,605 + 133,896 + 146,938 + 166,195 + 188,617 +2A+1K + 40,813 + 41,879 + 40,735 + 40,735 + 49,314 + 60,875 + 74,482 + 93,885 + 141,099 + 153,846 + 172,665 + 194,577 +2A+3K + 56,177 + 57,242 + 56,099 + 56,099 + 65,755 + 77,316 + 90,923 + 110,327 + 160,775 + 173,521 + 192,340 + 214,252 +2A+2K + 48,495 + 49,561 + 48,417 + 48,417 + 57,534 + 69,095 + 82,702 + 102,106 + 150,937 + 163,683 + 182,502 + 204,415 +5,000,000 +Indiv. + 24,318 + 25,407 + 27,564 + 27,564 + 34,449 + 45,221 + 57,899 + 75,979 + 96,376 + 105,767 + 119,631 + 135,775 +2A + 38,653 + 40,243 + 40,138 + 40,138 + 52,467 + 69,702 + 89,988 + 118,914 + 164,901 + 181,429 + 205,830 + 234,243 +1A+2K + 38,509 + 39,185 + 40,522 + 40,522 + 47,448 + 54,773 + 63,394 + 75,688 + 108,675 + 116,751 + 128,675 + 142,558 +1A+1K + 31,823 + 32,618 + 34,193 + 34,193 + 41,522 + 50,139 + 60,282 + 74,745 + 98,649 + 106,913 + 119,114 + 133,320 +2A+2K + 54,530 + 55,881 + 55,301 + 55,301 + 67,051 + 81,701 + 98,943 + 123,531 + 185,408 + 201,560 + 225,407 + 253,174 +2A+3K + 63,721 + 65,071 + 64,492 + 64,492 + 76,925 + 91,574 + 108,817 + 133,404 + 197,331 + 213,483 + 237,329 + 265,097 +2A+1K + 45,339 + 46,690 + 46,111 + 46,111 + 57,177 + 71,827 + 89,070 + 113,657 + 173,486 + 189,638 + 213,485 + 241,252" +pdf2,"Rates are inclusive of GST, Policy Tenure: 1 year +HEALTH ELITE - PREMIUM CHART +1,000,000SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +500,000 +Indiv. + 11,327 + 11,979 + 13,140 + 13,140 + 17,072 + 23,356 + 30,629 + 41,066 + 52,876 + 58,393 + 66,476 + 76,524 +1A+2K + 19,502 + 19,907 + 20,625 + 20,625 + 24,629 + 28,903 + 33,848 + 40,946 + 60,117 + 64,862 + 71,814 + 80,455 +1A+1K + 15,698 + 16,174 + 17,022 + 17,022 + 21,244 + 26,270 + 32,089 + 40,440 + 54,295 + 59,151 + 66,264 + 75,106 +2A + 18,610 + 19,563 + 19,151 + 19,151 + 26,275 + 36,329 + 47,965 + 64,665 + 91,293 + 101,003 + 115,231 + 132,914 +2A+1K + 22,414 + 23,224 + 22,556 + 22,556 + 28,970 + 37,517 + 47,408 + 61,603 + 96,283 + 105,774 + 119,677 + 136,959 +2A+3K + 33,006 + 33,815 + 33,147 + 33,147 + 40,376 + 48,923 + 58,814 + 73,009 + 110,131 + 119,621 + 133,525 + 150,806 +2A+2K + 27,710 + 28,519 + 27,852 + 27,852 + 34,673 + 43,220 + 53,111 + 67,306 + 103,206 + 112,697 + 126,601 + 143,882 +Indiv. + 16,442 + 17,223 + 18,750 + 18,750 + 23,750 + 31,458 + 40,380 + 53,165 + 67,530 + 74,340 + 84,276 + 95,671 +2A + 27,390 + 28,531 + 26,919 + 26,919 + 35,509 + 47,841 + 62,116 + 82,572 + 115,025 + 127,009 + 144,498 + 164,552 +1A+2K + 27,160 + 27,645 + 28,591 + 28,591 + 33,586 + 38,828 + 44,895 + 53,589 + 76,922 + 82,778 + 91,324 + 101,124 +1A+1K + 22,124 + 22,695 + 23,809 + 23,809 + 29,104 + 35,270 + 42,408 + 52,635 + 69,509 + 75,501 + 84,246 + 94,273 +2A+3K + 46,060 + 47,029 + 45,081 + 45,081 + 53,718 + 64,201 + 76,335 + 93,723 + 138,932 + 150,645 + 167,736 + 187,334 +2A+2K + 39,243 + 40,212 + 38,265 + 38,265 + 46,416 + 56,900 + 69,032 + 86,420 + 130,174 + 141,887 + 158,978 + 178,576 +2A+1K + 32,426 + 33,396 + 31,448 + 31,448 + 39,115 + 49,597 + 61,731 + 79,118 + 121,416 + 133,129 + 150,219 + 169,819 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +2,500,000 +Indiv. + 25,838 + 26,852 + 28,862 + 28,862 + 35,273 + 45,304 + 57,110 + 73,945 + 92,939 + 101,684 + 114,595 + 129,628 +1A+2K + 40,100 + 40,729 + 41,975 + 41,975 + 48,424 + 55,244 + 63,273 + 74,720 + 105,439 + 112,959 + 124,062 + 136,991 +1A+1K + 33,367 + 34,108 + 35,575 + 35,575 + 42,399 + 50,424 + 59,868 + 73,337 + 95,597 + 103,291 + 114,652 + 127,883 +2A + 41,426 + 42,907 + 42,000 + 42,000 + 53,298 + 69,347 + 88,237 + 115,174 + 157,997 + 173,387 + 196,110 + 222,568 +2A+1K + 48,159 + 49,417 + 48,067 + 48,067 + 58,191 + 71,833 + 87,889 + 110,784 + 166,497 + 181,538 + 203,745 + 229,601 +2A+3K + 66,289 + 67,546 + 66,197 + 66,197 + 77,591 + 91,233 + 107,289 + 130,186 + 189,715 + 204,755 + 226,961 + 252,817 +2A+2K + 57,224 + 58,482 + 57,132 + 57,132 + 67,890 + 81,532 + 97,588 + 120,485 + 178,106 + 193,146 + 215,352 + 241,210 +5,000,000 +Indiv. + 28,695 + 29,980 + 32,526 + 32,526 + 40,650 + 53,361 + 68,321 + 89,655 + 113,724 + 124,805 + 141,165 + 160,215 +2A + 45,611 + 47,487 + 47,363 + 47,363 + 61,911 + 82,248 + 106,186 + 140,319 + 194,583 + 214,086 + 242,879 + 276,407 +1A+2K + 45,441 + 46,238 + 47,816 + 47,816 + 55,989 + 64,632 + 74,805 + 89,312 + 128,237 + 137,766 + 151,837 + 168,218 +1A+1K + 37,551 + 38,489 + 40,348 + 40,348 + 48,996 + 59,164 + 71,133 + 88,199 + 116,406 + 126,157 + 140,555 + 157,318 +2A+2K + 64,345 + 65,940 + 65,255 + 65,255 + 79,120 + 96,407 + 116,753 + 145,767 + 218,781 + 237,841 + 265,980 + 298,745 +2A+3K + 75,191 + 76,784 + 76,101 + 76,101 + 90,772 + 108,057 + 128,404 + 157,417 + 232,851 + 251,910 + 280,048 + 312,814 +2A+1K + 53,500 + 55,094 + 54,411 + 54,411 + 67,469 + 84,756 + 105,103 + 134,115 + 204,713 + 223,773 + 251,912 + 284,677" +pdf2,"Plan Name Health Shield Plus +Sum Insured Cover Type 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs +In Patient Treatment +Pre Hospitalisation +Post Hospitalisation +Daycare Procedures and Treatment +PED waiting period +(Declared & Accepted) +In Patient AYUSH hospitalisation +Donor Expenses +Unlimited Reset benefit +Domicillary hospitalisation +Air Ambulance Cover +ASI Protector +Additional Sum Insured (ASI) +Emergency Services +Domestic Road Ambulance +Ambulance Assisstance +Tele Consultation +Value Added Service (VAS) +Health Check Up +Online Chat with Doctor +E-Second Opinion +Dietician & Nutrition e-consultation +Health Assistance +Wellness Program +Claim Protector +Sum Insured Protector +World Wide Cover +(Planned; 10% Copay) +Super No Claim Bonus +Hospital Daily Cash +Convalescence Benefit +Nursing at Home +Compassionate Visit +Critical Illness +Personal Accident +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On + +30 days +60 days + +2 years + +Upto 10 lakhs + + + + + +`10,000 + + + + + + + + + + + +Optional +`3,000 per day +`10,000 +`3,000 per day +`20,000 +Upto 50% of SI +Upto SI" +pdf2,"Rates are exclusive of GST, Policy Tenure: 1 year +HEALTH SHIELD PLUS - PREMIUM CHART +Indiv. + 11,447 + 11,799 + 17,774 + 17,905 + 26,507 + 44,847 + 53,673 + 86,974 + 115,255 + 124,618 + 137,205 + 151,729 +1A+2K + 21,423 + 21,641 + 25,345 + 25,453 + 33,641 + 46,112 + 52,351 + 75,447 + 118,773 + 126,825 + 137,650 + 150,141 +1A+1K + 16,806 + 17,063 + 21,425 + 21,533 + 30,356 + 44,989 + 52,241 + 79,227 + 111,706 + 119,946 + 131,022 + 143,804 +2A + 16,850 + 17,364 + 26,088 + 26,283 + 42,320 + 71,566 + 85,873 + 139,680 + 202,928 + 219,407 + 241,560 + 267,123 +2A+1K + 21,498 + 21,934 + 29,344 + 29,538 + 43,924 + 68,856 + 81,222 + 127,239 + 208,122 + 224,226 + 245,875 + 270,857 +2A+2K + 28,475 + 28,911 + 36,321 + 36,465 + 51,433 + 76,354 + 88,608 + 134,485 + 217,290 + 233,395 + 255,044 + 280,026 +2A+3K + 35,441 + 35,877 + 43,287 + 43,432 + 59,040 + 83,961 + 96,215 + 142,092 + 226,821 + 242,925 + 264,574 + 289,556 +Indiv. + 12,500 + 12,890 + 19,415 + 19,557 + 28,963 + 49,030 + 58,738 + 95,146 + 126,102 + 136,428 + 150,294 + 166,342 +2A + 18,392 + 18,961 + 28,487 + 28,699 + 46,240 + 78,239 + 93,975 + 152,800 + 222,030 + 240,204 + 264,609 + 292,853 +1A+2K + 23,385 + 23,627 + 27,672 + 27,789 + 36,748 + 50,393 + 57,253 + 82,503 + 129,933 + 138,813 + 150,739 + 164,539 +1A+1K + 18,343 + 18,628 + 23,391 + 23,509 + 33,160 + 49,172 + 57,146 + 86,649 + 122,201 + 131,288 + 143,491 + 157,613 +2A+2K + 31,097 + 31,580 + 39,671 + 39,829 + 56,202 + 83,469 + 96,945 + 147,101 + 237,745 + 255,506 + 279,357 + 306,958 +2A+3K + 38,715 + 39,198 + 47,289 + 47,446 + 64,523 + 91,790 + 105,266 + 155,422 + 248,174 + 265,935 + 289,785 + 317,387 +2A+1K + 23,467 + 23,951 + 32,041 + 32,254 + 47,990 + 75,268 + 88,866 + 139,175 + 227,710 + 245,472 + 269,322 + 296,924 +2,000,000SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +1,500,000 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +5,000,000 +Indiv. + 16,923 + 17,454 + 26,398 + 26,592 + 39,477 + 66,957 + 80,218 + 130,095 + 172,478 + 186,564 + 205,491 + 227,363 +1A+2K + 31,627 + 31,956 + 37,502 + 37,662 + 49,931 + 68,617 + 77,988 + 112,580 + 177,515 + 189,629 + 205,906 + 224,716 +1A+1K + 24,798 + 25,185 + 31,714 + 31,876 + 45,094 + 67,021 + 77,914 + 118,333 + 167,008 + 179,404 + 196,059 + 215,307 +2A + 24,864 + 25,639 + 38,697 + 38,989 + 63,014 + 106,833 + 128,328 + 208,916 + 303,703 + 328,496 + 361,806 + 400,301 +2A+2K + 42,110 + 42,768 + 53,859 + 54,075 + 76,499 + 113,839 + 132,248 + 200,960 + 325,061 + 349,290 + 381,843 + 419,463 +2A+1K + 31,740 + 32,398 + 43,489 + 43,780 + 65,332 + 102,688 + 121,264 + 190,185 + 311,403 + 335,631 + 368,185 + 405,805 +2A+3K + 52,464 + 53,121 + 64,212 + 64,428 + 87,814 + 125,154 + 143,563 + 212,275 + 339,260 + 363,489 + 396,042 + 433,662 +Indiv. + 13,463 + 13,882 + 20,941 + 21,095 + 31,265 + 52,957 + 63,428 + 102,797 + 136,253 + 147,378 + 162,325 + 179,601 +2A + 19,801 + 20,412 + 30,719 + 30,949 + 49,913 + 84,502 + 101,475 + 165,084 + 239,907 + 259,488 + 285,794 + 316,201 +1A+2K + 25,179 + 25,439 + 29,816 + 29,943 + 39,627 + 54,377 + 61,777 + 89,080 + 140,339 + 149,907 + 162,761 + 177,619 +1A+1K + 19,748 + 20,054 + 25,207 + 25,335 + 35,769 + 53,076 + 61,678 + 93,581 + 132,005 + 141,795 + 154,948 + 170,151 +2A+2K + 33,494 + 34,014 + 42,768 + 42,938 + 60,638 + 90,114 + 104,650 + 158,885 + 256,848 + 275,984 + 301,692 + 331,408 +2A+3K + 41,708 + 42,227 + 50,981 + 51,151 + 69,611 + 99,086 + 113,622 + 167,857 + 268,097 + 287,233 + 312,941 + 342,657 +2A+1K + 25,268 + 25,788 + 34,541 + 34,771 + 51,783 + 81,271 + 95,938 + 150,339 + 246,026 + 265,161 + 290,869 + 320,585 +2,500,000" +pdf2,"Rates are inclusive of GST, Policy Tenure: 1 year +HEALTH SHIELD PLUS - PREMIUM CHART +Indiv. + 13,507 + 13,923 + 20,973 + 21,128 + 31,278 + 52,919 + 63,334 + 102,629 + 136,001 + 147,049 + 161,902 + 179,040 +1A+2K + 25,279 + 25,536 + 29,907 + 30,035 + 39,696 + 54,412 + 61,774 + 89,027 + 140,152 + 149,654 + 162,427 + 177,166 +1A+1K + 19,831 + 20,134 + 25,282 + 25,409 + 35,820 + 53,087 + 61,644 + 93,488 + 131,813 + 141,536 + 154,606 + 169,689 +2A + 19,883 + 20,490 + 30,784 + 31,014 + 49,938 + 84,448 + 101,330 + 164,822 + 239,455 + 258,900 + 285,041 + 315,205 +2A+1K + 25,368 + 25,882 + 34,626 + 34,855 + 51,830 + 81,250 + 95,842 + 150,142 + 245,584 + 264,587 + 290,133 + 319,611 +2A+2K + 33,601 + 34,115 + 42,859 + 43,029 + 60,691 + 90,098 + 104,557 + 158,692 + 256,402 + 275,406 + 300,952 + 330,431 +2A+3K + 41,820 + 42,335 + 51,079 + 51,250 + 69,667 + 99,074 + 113,534 + 167,669 + 267,649 + 286,652 + 312,197 + 341,676 +Indiv. + 14,750 + 15,210 + 22,910 + 23,077 + 34,176 + 57,855 + 69,311 + 112,272 + 148,800 + 160,985 + 177,347 + 196,284 +2A + 21,703 + 22,374 + 33,615 + 33,865 + 54,563 + 92,322 + 110,891 + 180,304 + 261,995 + 283,441 + 312,239 + 345,567 +1A+2K + 27,594 + 27,880 + 32,653 + 32,791 + 43,363 + 59,464 + 67,559 + 97,354 + 153,321 + 163,799 + 177,872 + 194,156 +1A+1K + 21,645 + 21,981 + 27,601 + 27,741 + 39,129 + 58,023 + 67,432 + 102,246 + 144,197 + 154,920 + 169,319 + 185,983 +2A+2K + 36,694 + 37,264 + 46,812 + 46,998 + 66,318 + 98,493 + 114,395 + 173,579 + 280,539 + 301,497 + 329,641 + 362,210 +2A+3K + 45,684 + 46,254 + 55,801 + 55,986 + 76,137 + 108,312 + 124,214 + 183,398 + 292,845 + 313,803 + 341,946 + 374,517 +2A+1K + 27,691 + 28,262 + 37,808 + 38,060 + 56,628 + 88,816 + 104,862 + 164,227 + 268,698 + 289,657 + 317,800 + 350,370 +2,000,000SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +1,500,000 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +5,000,000 +Indiv. + 19,969 + 20,596 + 31,150 + 31,379 + 46,583 + 79,009 + 94,657 + 153,512 + 203,524 + 220,146 + 242,479 + 268,288 +1A+2K + 37,320 + 37,708 + 44,252 + 44,441 + 58,919 + 80,968 + 92,026 + 132,844 + 209,468 + 223,762 + 242,969 + 265,165 +1A+1K + 29,262 + 29,718 + 37,423 + 37,614 + 53,211 + 79,085 + 91,939 + 139,633 + 197,069 + 211,697 + 231,350 + 254,062 +2A + 29,340 + 30,254 + 45,662 + 46,007 + 74,357 + 126,063 + 151,427 + 246,521 + 358,370 + 387,625 + 426,931 + 472,355 +2A+1K + 37,453 + 38,230 + 51,317 + 51,660 + 77,092 + 121,172 + 143,092 + 224,418 + 367,456 + 396,045 + 434,458 + 478,850 +2A+2K + 49,690 + 50,466 + 63,554 + 63,809 + 90,269 + 134,330 + 156,053 + 237,133 + 383,572 + 412,162 + 450,575 + 494,966 +2A+3K + 61,908 + 62,683 + 75,770 + 76,025 + 103,621 + 147,682 + 169,404 + 250,485 + 400,327 + 428,917 + 467,330 + 511,721 +Indiv. + 15,886 + 16,381 + 24,710 + 24,892 + 36,893 + 62,489 + 74,845 + 121,300 + 160,779 + 173,906 + 191,544 + 211,929 +2A + 23,365 + 24,086 + 36,248 + 36,520 + 58,897 + 99,712 + 119,741 + 194,799 + 283,090 + 306,196 + 337,237 + 373,117 +1A+2K + 29,711 + 30,018 + 35,183 + 35,333 + 46,760 + 64,165 + 72,897 + 105,114 + 165,600 + 176,890 + 192,058 + 209,590 +1A+1K + 23,303 + 23,664 + 29,744 + 29,895 + 42,207 + 62,630 + 72,780 + 110,426 + 155,766 + 167,318 + 182,839 + 200,778 +2A+2K + 39,523 + 40,137 + 50,466 + 50,667 + 71,553 + 106,335 + 123,487 + 187,484 + 303,081 + 325,661 + 355,997 + 391,061 +2A+3K + 49,215 + 49,828 + 60,158 + 60,358 + 82,141 + 116,921 + 134,074 + 198,071 + 316,354 + 338,935 + 369,270 + 404,335 +2A+1K + 29,816 + 30,430 + 40,758 + 41,030 + 61,104 + 95,900 + 113,207 + 177,400 + 290,311 + 312,890 + 343,225 + 378,290 +2,500,000" +pdf2,"In Patient Treatment +Pre Hospitalisation +Post Hospitalisation +Daycare Procedures and Treatment +PED waiting period +(Declared & Accepted) +In Patient AYUSH hospitalisation +Donor Expenses +Unlimited Reset benefit +Domicillary hospitalisation +Air Ambulance Cover +ASI Protector +Additional Sum Insured (ASI) +Emergency Services +Domestic Road Ambulance +Ambulance Assisstance +Tele Consultation +Value Added Service (VAS) +Health Check-up +Online Chat with Doctor +E-Second opinion +Dietician & Nutrition e-consultation +Health Assistance +Wellness Program +Claim Protector +Sum Insured Protector +World Wide Cover +(Planned; 10% Copay) +Super No Claim Bonus +Hospital Daily Cash +Convalescence Benefit +Nursing at Home +Compassionate Visit +Critical Illness (for adults only) +Personal Accident (for adults only) +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +In built +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Optional Add On +Plan Name Health Shield +Sum Insured Cover Type 5 Lakhs + +30 days +60 days + +2 years + + + + + + + + + + + + + + +Optional +Optional +Optional + +`10,000 + +7 & 10 Lakhs 15, 20, 25 & +50 Lakhs +Upto SI Upto SI Upto 10 lakhs +1% of SI 1% of SI `10,000 +NA Optional (For SI +10 lakhs only) +Optional +`1,000 per day `2,000 per day `3,000 per day +`2,000 per day `3,000 per day `3,000 per day +`10,000 `20,000 `20,000 +Upto SI +Upto SI +Upto SI +Upto SI +Upto 50% of SI +Upto SI" +pdf2,"Rates are exclusive of GST, Policy Tenure: 1 year +HEALTH SHIELD - PREMIUM CHART +Indiv. + 6,265 + 6,819 + 7,802 + 7,802 + 11,134 + 16,460 + 22,623 + 31,468 + 41,476 + 46,152 + 53,003 + 61,517 +1A+2K + 11,776 + 12,119 + 12,729 + 12,729 + 16,122 + 19,743 + 23,934 + 29,949 + 46,196 + 50,217 + 56,109 + 63,431 +1A+1K + 9,261 + 9,665 + 10,383 + 10,383 + 13,961 + 18,221 + 23,152 + 30,228 + 41,971 + 46,086 + 52,114 + 59,607 +2A + 9,261 + 10,069 + 11,505 + 11,505 + 17,856 + 26,377 + 36,238 + 50,391 + 72,956 + 81,186 + 93,243 + 108,229 +2A+1K + 11,776 + 12,462 + 13,681 + 13,681 + 19,433 + 26,675 + 35,057 + 47,087 + 76,477 + 84,520 + 96,303 + 110,948 +2A+2K + 15,555 + 16,241 + 17,461 + 17,461 + 23,557 + 30,799 + 39,181 + 51,211 + 81,636 + 89,679 + 101,462 + 116,107 +2A+3K + 19,335 + 20,021 + 21,240 + 21,240 + 27,681 + 34,924 + 43,306 + 55,336 + 86,795 + 94,838 + 106,621 + 121,266 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 + Indiv. + 7,406 + 8,069 + 9,362 + 9,362 + 13,600 + 20,132 + 27,693 + 38,527 + 50,701 + 56,472 + 64,893 + 74,549 +2A + 10,944 + 11,911 + 13,800 + 13,800 + 21,814 + 32,265 + 44,363 + 61,698 + 89,200 + 99,357 + 114,178 + 131,173 +1A+2K + 13,935 + 14,345 + 15,147 + 15,147 + 19,381 + 23,822 + 28,964 + 36,331 + 56,105 + 61,068 + 68,310 + 76,615 +2A+1K + 13,935 + 14,756 + 16,360 + 16,360 + 23,592 + 32,476 + 42,759 + 57,494 + 93,339 + 103,265 + 117,749 + 134,358 +2A+2K + 18,434 + 19,255 + 20,859 + 20,859 + 28,503 + 37,386 + 47,669 + 62,404 + 99,484 + 109,410 + 123,893 + 140,503 +2A+3K + 22,933 + 23,754 + 25,358 + 25,358 + 33,413 + 42,297 + 52,580 + 67,315 + 105,629 + 115,555 + 130,038 + 146,647 +500,000 1,000,000 +1A+1K + 10,944 + 11,428 + 12,372 + 12,372 + 16,859 + 22,085 + 28,133 + 36,801 + 51,101 + 56,179 + 63,590 + 72,087 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +Indiv. + 9,550 + 10,410 + 12,112 + 12,112 + 17,546 + 26,046 + 36,052 + 50,319 + 66,416 + 73,827 + 84,768 + 97,508 +1A+2K + 17,943 + 18,476 + 19,532 + 19,532 + 24,997 + 30,778 + 37,581 + 47,283 + 73,315 + 79,688 + 89,098 + 100,054 +1A+1K + 14,084 + 14,712 + 15,955 + 15,955 + 21,738 + 28,539 + 36,543 + 47,957 + 66,821 + 73,342 + 82,970 + 94,182 +2A + 14,084 + 15,339 + 17,825 + 17,825 + 28,135 + 41,736 + 57,744 + 80,572 + 116,863 + 129,905 + 149,162 + 171,584 +2A+1K + 17,943 + 19,009 + 21,121 + 21,121 + 30,434 + 41,995 + 55,602 + 75,006 + 122,220 + 134,966 + 153,785 + 175,698 +2A+2K + 23,779 + 24,845 + 26,956 + 26,956 + 36,808 + 48,369 + 61,976 + 81,380 + 130,211 + 142,957 + 161,776 + 183,689 +2A+3K + 29,614 + 30,680 + 32,791 + 32,791 + 43,183 + 54,743 + 68,351 + 87,754 + 138,202 + 150,948 + 169,767 + 191,680 +Indiv. + 11,971 + 13,060 + 15,218 + 15,218 + 22,103 + 32,875 + 45,553 + 63,632 + 84,030 + 93,420 + 107,285 + 123,429 +2A + 17,630 + 19,220 + 22,370 + 22,370 + 35,434 + 52,669 + 72,954 + 101,881 + 147,868 + 164,395 + 188,797 + 217,210 +1A+2K + 22,470 + 23,145 + 24,483 + 24,483 + 31,408 + 38,733 + 47,354 + 59,648 + 92,636 + 100,712 + 112,635 + 126,519 +1A+1K + 17,630 + 18,425 + 20,000 + 20,000 + 27,329 + 35,946 + 46,089 + 60,552 + 84,456 + 92,720 + 104,921 + 119,127 +2A+2K + 29,814 + 31,165 + 33,840 + 33,840 + 46,325 + 60,975 + 78,217 + 102,805 + 164,682 + 180,834 + 204,681 + 232,448 +2A+3K + 37,158 + 38,509 + 41,184 + 41,184 + 54,352 + 69,002 + 86,244 + 110,832 + 174,758 + 190,910 + 214,757 + 242,524 +2A+1K + 22,470 + 23,820 + 26,496 + 26,496 + 38,298 + 52,947 + 70,190 + 94,778 + 154,606 + 170,758 + 194,605 + 222,372 +2,500,000 5,000,000" +pdf2,"Rates are inclusive of GST, Policy Tenure: 1 year +HEALTH SHIELD - PREMIUM CHART +Indiv. + 7,393 + 8,046 + 9,206 + 9,206 + 13,138 + 19,423 + 26,695 + 37,132 + 48,942 + 54,459 + 62,544 + 72,590 +1A+2K + 13,896 + 14,300 + 15,020 + 15,020 + 19,024 + 23,297 + 28,242 + 35,340 + 54,511 + 59,256 + 66,209 + 74,849 +1A+1K + 10,928 + 11,405 + 12,252 + 12,252 + 16,474 + 21,501 + 27,319 + 35,669 + 49,526 + 54,381 + 61,495 + 70,336 +2A + 10,928 + 11,881 + 13,576 + 13,576 + 21,070 + 31,125 + 42,761 + 59,461 + 86,088 + 95,799 + 110,027 + 127,710 +2A+1K + 13,896 + 14,705 + 16,144 + 16,144 + 22,931 + 31,477 + 41,367 + 55,563 + 90,243 + 99,734 + 113,638 + 130,919 +2A+2K + 18,355 + 19,164 + 20,604 + 20,604 + 27,797 + 36,343 + 46,234 + 60,429 + 96,330 + 105,821 + 119,725 + 137,006 +2A+3K + 22,815 + 23,625 + 25,063 + 25,063 + 32,664 + 41,210 + 51,101 + 65,296 + 102,418 + 111,909 + 125,813 + 143,094 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 + Indiv. + 8,739 + 9,521 + 11,047 + 11,047 + 16,048 + 23,756 + 32,678 + 45,462 + 59,827 + 66,637 + 76,574 + 87,968 +2A + 12,914 + 14,055 + 16,284 + 16,284 + 25,741 + 38,073 + 52,348 + 72,804 + 105,256 + 117,241 + 134,730 + 154,784 +1A+2K + 16,443 + 16,927 + 17,873 + 17,873 + 22,870 + 28,110 + 34,178 + 42,871 + 66,204 + 72,060 + 80,606 + 90,406 +2A+1K + 16,443 + 17,412 + 19,305 + 19,305 + 27,839 + 38,322 + 50,456 + 67,843 + 110,140 + 121,853 + 138,944 + 158,542 +2A+2K + 21,752 + 22,721 + 24,614 + 24,614 + 33,634 + 44,115 + 56,249 + 73,637 + 117,391 + 129,104 + 146,194 + 165,794 +2A+3K + 27,061 + 28,030 + 29,922 + 29,922 + 39,427 + 49,910 + 62,044 + 79,432 + 124,642 + 136,355 + 153,445 + 173,043 +500,000 1,000,000 +1A+1K + 12,914 + 13,485 + 14,599 + 14,599 + 19,894 + 26,060 + 33,197 + 43,425 + 60,299 + 66,291 + 75,036 + 85,063 +SI +Age / SI +0-25 +26-35 +36-40 +41-45 +46-50 +51-55 +56-60 +61-65 +66-70 +71-75 +76-80 +>80 +Indiv. + 11,269 + 12,284 + 14,292 + 14,292 + 20,704 + 30,734 + 42,541 + 59,376 + 78,371 + 87,116 + 100,026 + 115,059 +1A+2K + 21,173 + 21,802 + 23,048 + 23,048 + 29,496 + 36,318 + 44,346 + 55,794 + 86,512 + 94,032 + 105,136 + 118,064 +1A+1K + 16,619 + 17,360 + 18,827 + 18,827 + 25,651 + 33,676 + 43,121 + 56,589 + 78,849 + 86,544 + 97,905 + 111,135 +2A + 16,619 + 18,100 + 21,034 + 21,034 + 33,199 + 49,248 + 68,138 + 95,075 + 137,898 + 153,288 + 176,011 + 202,469 +2A+1K + 21,173 + 22,431 + 24,923 + 24,923 + 35,912 + 49,554 + 65,610 + 88,507 + 144,220 + 159,260 + 181,466 + 207,324 +2A+2K + 28,059 + 29,317 + 31,808 + 31,808 + 43,433 + 57,075 + 73,132 + 96,028 + 153,649 + 168,689 + 190,896 + 216,753 +2A+3K + 34,945 + 36,202 + 38,693 + 38,693 + 50,956 + 64,597 + 80,654 + 103,550 + 163,078 + 178,119 + 200,325 + 226,182 +Indiv. + 14,126 + 15,411 + 17,957 + 17,957 + 26,082 + 38,793 + 53,753 + 75,086 + 99,155 + 110,236 + 126,596 + 145,646 +2A + 20,803 + 22,680 + 26,397 + 26,397 + 41,812 + 62,149 + 86,086 + 120,220 + 174,484 + 193,986 + 222,780 + 256,308 +1A+2K + 26,515 + 27,311 + 28,890 + 28,890 + 37,061 + 45,705 + 55,878 + 70,385 + 109,310 + 118,840 + 132,909 + 149,292 +1A+1K + 20,803 + 21,742 + 23,600 + 23,600 + 32,248 + 42,416 + 54,385 + 71,451 + 99,658 + 109,410 + 123,807 + 140,570 +2A+2K + 35,181 + 36,775 + 39,931 + 39,931 + 54,664 + 71,951 + 92,296 + 121,310 + 194,325 + 213,384 + 241,524 + 274,289 +2A+3K + 43,846 + 45,441 + 48,597 + 48,597 + 64,135 + 81,422 + 101,768 + 130,782 + 206,214 + 225,274 + 253,413 + 286,178 +2A+1K + 26,515 + 28,108 + 31,265 + 31,265 + 45,192 + 62,477 + 82,824 + 111,838 + 182,435 + 201,494 + 229,634 + 262,399 +2,500,000 5,000,000" +pdf2,"Key Points To Note: +Wide Range of Sum Insured: The customer has option to choose from a wide range of Sum Insured starting +from `5 Lakhs to 50 Lakhs as per his / her needs. +Eligibility: The minimum entry age for the customer to receive the policy is 6 years and there is no +restriction on maximum entry age. Children between 3 months to 5 years can be insured under floater plan +only. +Floater Benefit: Floater cover to get family (self, spouse, dependent parents, dependent children, brothers +and sisters) covered for the same Sum Insured under a single policy by paying one premium amount. +Individual above 3 months of age can be covered under the policy provided 1 adult is also covered under +the same policy. +Pre-Existing Disease: All declared and accepted Pre-Existing conditions / diseases will be covered +immediately after 2 years of continuous coverage under the policy, if the policy is issued for the first time +with ICICI Lombard. Such waiting period shall reduce if the insured has been covered under a similar policy +before opting for this policy, subject however to portability regulations. +Life Long Renewability: The policy provides life - long renewal. Factors determining the renewal premium +are (i) age slab of the senior most insured member at the time of renewal (ii) any change in the renewing +policy. +Policy Period: Option of choosing 1, 2 or 3 year policy period under various plans offered. +Cashless Hospitalisation: Avail cashless hospitalisation at any of our network providers / hospitals. A list of +these hospitals / providers is available on our website www.icicilombard.com. +Tax Benefit: Avail tax deduction on premium paid under health insurance policy as per applicable provisions +of Section 80D of Income Tax Act, 1961 and amendments made thereto. +Pre-Policy Medical Check-up: No medical tests will be required for insurance cover below the age of 46 +years and Sum Insured up to `10 Lakhs. +Free Look Period: Policy can be cancelled by giving written notice within 15 days of receiving the policy. +Value Added Services: Avail Value Added Services like Free Health Check-up, Online chat with doctors, +specialist e-consultation, Dietician and Nutrition e-consultation, Provide information on offers related to +healthcare services like consultation, diagnostics, medical equipments and pharmacy." +pdf2,"*Disclaimer: Cashless approval is subject to pre-authorisation by the company. Only expenses relating to hospitalisation will be reimbursed as per the policy +coverage. Non-medical expenses will not be reimbursed. +All the claims have to be intimated 48 hours prior to hospitalisation and within 24 hours post +hospitalisation in case of emergency. +Standard List Of Documents +• Duly completed claim form signed by you and the medical practitioner. +• Original bills, receipts and discharge certificate / card from the hospital / medical practitioner. +• Original bills from chemists supported by proper prescription. +• Original investigation test reports and payment receipts. +• Indoor case papers. +• Medical Practitioner’s referral letter advising hospitalisation in non-accident cases. +• Any other document as required by ICICI Lombard Health Care to investigate the claim or our obligation +to make payment for the same. +How Do I Make A Claim? +1 +Cashless Claims Reimbursement Claims +Get admitted in any one of +our network hospital +Upon discharge, pay all hospital +bills and collect all original +documents of treatments and +expenses underdone +2 +HELP DESK HELP DESKFax the pre-authorsiation along +with relevant documents +(investigation reports, Previous +consultation papers if any, +Cashless ID, Photo ID) +Send the duly filled (and signed +by insured and treating doctor) +claim form and required calim +documents. +4 +ICICI Lombard Health Care +settles the claim (as per policy +terms and conditions) with the +hospital after completion of +all formalities +ICICI Lombard Health Care +Settles the claim (as per policy +terms and conditions) and +reimburses the approved +amount. +3 +ICICI Lombard Health Care +reviews your claim requested +and accordingly will approve, +query or reject the same +(as per policy terms and +conditions). +ICICI Lombard Health Care +reviews your claim requested +and accordingly will approve, +query or reject the same +(as per policy terms and +conditions)" +pdf2,"Major Permanent Exclusions +• Any illness / disease / injury pre-existing before the inception of the policy for the first 2 years. Such +waiting period shall reduce if the insured has been covered under a similar policy before opting for this +policy, subject however to portability regulations. +• Medical expenses incurred during the first 30 days of inception of the policy, except those arising out +of accidents. This exclusion doesn’t apply for subsequent renewals without a break. +• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide). +• Expenses arising out of or attributable to alcohol or drug use / misuse / abuse +• Cost of spectacles / contact lenses, dental treatment +• Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean +sections incurred during Hospitalisation) except ectopic pregnancy. +Claim Service Guarantee: ICICI Lombard guarantees on time claim service. +• For Reimbursement Claims: We shall make the payment of admissible claim (as per terms and +conditions of Policy) OR communicate non admissibility of claim within 14 days after You submit +complete set of documents and information in respect of the claims. In case We fail to make the +payment of admissible claims or to communicate non admissibility of claim within the time period, We +shall pay 2% interest over and above the rate defined as per IRDAI (Protection of Policyholder's interest) +Regulation 2017. +• For Cashless Claims: If you notify pre - authorisation request for cashless facility through any of our +empanelled network hospitals along with complete set of documents and information, we shall respond +within 4 hours of the actual receipt of complete set of documents. + • Approval, or • Rejection, or • Query seeking further information +In case the request is for enhancement, i.e. request for increase in the amount already authorised, we shall +respond to it within 3 hours post receiving necessary documents. +What We Will Not Pay (Exclusions Under the Policy) +• Any Pre-Existing condition(s) until 24 months of Your continuous coverage has elapsed, since Period of +Insurance Start Date +• Any Expenses related to the treatment of Hypertension, Diabetes, cardiac conditions within 90 days +from the first policy start date. +• Any Medical Expenses incurred by You on treatment of following Illnesses within the first two (2) +consecutive years of Period of Insurance Start Date: + • Cataract* • All types of Hernia, Hydrocele + • Arthritis, gout, rheumatism and spinal disorders • Surgery on tonsils, adenoids and sinuses + • Dilatation and curettage, Endometriosis • Gastric and Duodenal erosions and ulcers + • Varicose Veins / Varicose Ulcers • Benign Prostatic Hypertrophy + • Joint replacements unless due to accident • Sinusitis and related disorders + • Stones in the urinary and billiary systems • Dialysis required for chronic renal failure + • Deviated Nasal Septum • Fissures / Fistula in anus, hemorrhoids / piles + • All types of internal congenital anomalies / illness / defects + • Myomectomy, Hysterectomy unless because of malignancy + • All types of Skin and internal tumors / cysts / nodules / polyps of any kind including breast lumps +unless malignant +*After two years of continuous coverage (subject to portability provisions), a Sub - Limit of 1 Lakh per eye will be applicable for Sum Insured +greater than 5 Lakhs and 20,000 for the Sum Insured 5 Lakhs and below." +pdf2,"How To Earn Wellness Points? +To earn wellness points, follow the appended below steps: +• Collect relevant reports / receipts and bills for the specific category of activity / activities under which +you want to earn your wellness points. +• Send the requisite documents along with dully filled submission form to ICICI Lombard Health Care, +ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad - 500 032. +• An acknowledgment will be sent and keep you updated regarding the status of your points +accumulation request. +• To track your earned points, Call our toll free no. 1800 2666 or send email to +ihealthcare@icicilombard.com. You can also access your earned points by simply log - on to +www.icicilombard.com -> claims and wellness management. +• Your total wellness points earned will be sent to your registered email - id once in every 3 months. +• Each wellness point is equivalent to 0.25 INR. +You can redeem your earned wellness points against reimbursement of medical expenses like consultation +charges, medicine and drugs, diagnostic expenses, dental expenses, wellness and preventive care and +other miscellaneous charges that are not covered under any medical insurance. +To redeem your wellness points under OPD, follow the appended below steps: +• Collect all original bills of medicines / consultations, expenses of which you would like to redeem +against the points accumulated. +• Send the original bills / invoices, test reports if any along with the duly completed redemption form to +ICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, +Gachibowli, Hyderabad - 500 032. +• We will acknowledge you once the documents are received and keep you updated regarding the status +of your redemption request. +• To track the status yourself, call on our toll free no. 1800 2666 or simply log - on to +www.icicilombard.com + > Claims and Wellness management ->Track your claims. Enter your Claim No. or AL No. and click on +search to know the status of your claim. +• You can also send in a email to ihealthcare@icicilombard.com to enquire about status of your +redemption request. +Maximum points that can be earned under each category are as mentioned in the Table 1." +pdf2,"Table 1. List of wellness activities +Activity +1. Health Risk Assessment +2. Medical Risk Assessment* +3. Heart related screening tests (under PRA**) + above 45 years. +4. HbA1c / Complete lipid profile (under PRA) any age +5. PAP Smear (under PRA) for females above age 45 +6. Mammogram (under PRA) for females above age 45 +9. Gym / Yoga membership for 1 year +12. Quit smoking - based on self declaration +13. Share your fitness success story +7. Prostate Specific Antigen (PSA) (under PRA) males + above age 45 +8. Any other test as suggested by our empanelled + Medical expert (under PRA) +10. Participation in professional sporting events like + Marathon / Cyclothon / Swimathon, etc. +11. Participation in any other health and fitness activity + / event organised by ICICI Lombard +14. On winning any Health quiz organized by us +500 +Points accumulated +per insured +250 +1000 +500 +500 +500 +500 +500 +2500 +2500 +2500 +100 +100 +100 +500 +Points accumulated +per floater policy +500 +2000 +500 +500 +500 +500 +500 +2500 +2500 +2500 +100 +100 +100 +*Under MRA from 2nd year onwards, if tests are within normal limits, additional 1000 / 2000 points will be awarded. +**PRA stands for Preventive Risk Assessment. +Note: For HRA and MRA, the customer doesn’t need to submit any form or documents as the points earned under those categories will +automatically be updated against the policy." +pdf2,"Cancellation Grid +Refund % for 1 year +tenure policyCancellation period Refund % for 2 year +tenure policy +Refund % for 3 year +tenure policy +In case of delay in response by us beyond the stipulated time period as stated above for cashless claims, +we shall be liable to pay 1,000 to the insured. Our maximum liability in respect of a single hospitalisation +shall, at no time exceed 1,000. +Cancellation / Termination +• Disclosure to information norm: The policy shall be void and all premium paid hereon shall be forfeited +to the company, in the event of misrepresentation, mis - description or non disclosure of any material. +• You may cancel the policy by giving us 15 days prior written notice for the cancellation of the policy by +registered post, and after which we shall refund the premium on short term rates for the unexpired +policy period as per the rates mentioned below, provided no claim has been payable on your behalf +under the Policy. +In case of re-alignment of your Health Booster policy we shall refund the premium on pro rata basis +for the balance tenure. +From 16 days to 1 month +From 1 month to 3 months +From 3 months to 6 months +From 6 months to 9 months +From 9 months to 12 months +From 12 months to 15 months +From 15 months to 18 months +From 18 months to 21 months +From 21 months to 24 months +From 24 months to 27 months +From 27 months to 30 months +From 30 months to 33 months +From 33 months to 36 months +80.00% +60.00% +40.00% +20.00% +0.00% +NA +NA +NA +NA +NA +NA +NA +NA +80.00% +70.00% +60.00% +50.00% +40.00% +30.00% +20.00% +10.00% +0.00% +NA +NA +NA +NA +80.00% +75.00% +67.50% +60.00% +52.50% +47.50% +40.00% +32.50% +25.00% +20.00% +12.50% +5.00% +0.00%" +pdf2,"1. Why do I need Health Insurance? + Healthcare is expensive. Technological advances, new procedures and more effective medicines have driven up the +cost of healthcare. This increase has to be borne by the consumer, making treatment unaffordable for too many. +Health Insurance overcomes these obstacles so that you remain free of anxiety regarding your health. Think for a +moment about the enormous medical costs you would incur if you suffered a major accident tomorrow or were +suddenly stricken by an illness. Uninsured people live with such risks everyday. Health insurance seeks to shield you +from that risk. It provides the much needed financial relief. You also get tax benefit under section 80D of the Income +Tax Act and amendments made thereto. +2. How will health insurance pay for my emergency medical expenses? + Your health insurance will either pay your hospital bills directly if opted for the cashless facility or it will reimburse +any payment made by you towards medical expenses incurred due to an illness or injury as per the policy terms. +3. What do you mean by Family Floater Policy? + Family Floater is one single policy that takes care of the hospitalization expenses of your entire family. The policy has +one single sum insured, which can be utilized by any/all insured persons in any proportion or amount subject to +maximum of overall limit of the policy sum insured, as per policy terms and conditions. +4. Will my health insurance cover begin from day one? + When you get a new policy, there will be a 30 days waiting period starting from the policy inception date, during +which period any hospitalization charges will not be payable by the insurance companies. However, this is not +applicable to any emergency hospitalization occurring due to an accident. This waiting period will not be applicable +for subsequent policies under renewal. Furthermore, in the case of a declared & accepted pre-existing disease or +specific diseases, you will have to serve the waiting period of 2 years for these diseases / conditions. +5. What is pre-existing condition in health insurance policy? + It is a medical condition/disease that existed before you obtained health insurance policy +6. If my policy is not renewed in time before expiry date, will it be denied for renewal? + The policy will be renewable provided you pay the premium within 30 days (called as Grace Period) of expiry date. +However, coverage would not be available for the period for which no premium is received by Us. The policy will +lapse if the premium is not paid within the grace period. +7. What happens to the policy coverage after a claim is filed? + After a claim is filed and settled, the policy coverage is reduced by the amount that has been paid out on settlement. +For Example: In January you start a policy with a coverage of `5 Lakh for the year. In April, you make a claim of `2 +Lakh. The coverage available to you for the May to December will be the balance of `3 Lakh. +8. What is Unlimited Reset Benefit? + It is a benefit that allows an insured to reinstate the entire sum insured in the policy year when it gets exhausted +due to incurred claims. In case the entire cover is exhausted, it gets replenished automatically for the next +hospitalization that occurs within the policy year. Reset will not trigger on first claim and cannot be used by same +person for same illness for which the claim has already been paid in the policy. +9. Does my policy offer worldwide cover? + Basis the plan and add on selected, Complete Health Insurance policy covers Hospitalization expenses incurred +abroad with a co-pay of 10% +10. What is covered under Domiciliary Hospitalization? + Domiciliary Hospitalization offers coverage for medical expenses in a situation where the Insured Person is in such +a state that he/she cannot be moved to a hospital or the treatment is taken at home if there's a non-availability of +room in the hospital. +11. What is Super No Claim Bonus? + In case the customer has opted for this additional cover with extra premium, there will be a 50% bonus awarded for +every claim free year subject to a maximum of 100% for SI options up to 10 Lakhs and up to 200% for SI options 15 +Lakhs and above. +12. What is the maximum Sum Insured under the new plans? + All plans come with multiple Sum Insured options up to a maximum of 50 Lakhs +13. Can I increase my Sum Insured at the time of renewal? + Yes, you can increase the Sum Insured at the time of renewal. However, fresh waiting period would apply for the +enhanced Sum Insured (this condition would not apply on the original sum insured including the accrued Additional +Sum insured) +Health Insurance FAQs" +pdf2,"Statutory Warning: Prohibition of Rebates (Under Section 41 of Insurance Act 1938). No person shall allow +or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or +continue an insurance in respect of any kind of risk relating to lives or property, in India, any rebate of the +whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any +person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be +allowed in accordance with the published prospectuses or tables of the Insurer. Any person making default +in complying with the provisions of this section shall be liable for a penalty which may extend to Ten Lakh +Rupees. +ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license +and Lombard logo belongs to ICICI Lombard GIC Ltd. The advertisement contains only an indication of the +cover offered. Add on cover is covered if insured opts for it by paying additional applicable premium. For +complete details on risk factors, terms, conditions, coverages and exclusions, please read the policy +document carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. +Registered Office: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivinayak Temple, Prabhadevi, +Mumbai - 400 025. IRDA Reg. No. 115. ICICI Lombard Complete Health Insurance. UIN: +ICIHLIP21383V052021. Misc 128. Toll Free No. 1800 2666. Fax No 02261961323. CIN +L67200MH2000PLC129408. Website: www.icicilombard.com. Email: customersupport@icicilombard.com. +ADV/10740."