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 71.93 71.33 70.81 70.12 74.97 74.31 73.77 73.02 76.79 76.05 75.45 74.63 68.93 86.38 67.87 67.22 71.93 71.33 70.81 70.12 74.97 74.31 73.77 73.02 76.79 76.05 75.45 74.63 71.93 71.33 70.81 70.12 74.97 74.31 73.77 73.02 76.79 76.05 75.45 74.63 74.97 74.31 73.77 73.02 76.79 76.05 75.45 74.63 76.79 76.05 75.45 74.63" pdf1,"1\11 - - - 46-50 51-55 -56-60 <=45 1\12 - - - 46-50 51-55 -56-60 <=45 1\13 - - - 46-50 51-55 -56-60 <=45 1\14 - - - 46-50 51-55 -56-60 <=45 1\15 <=45 46-50 51-55 56-60 - - - - 1\16 <=45 46-50 51-55 56-60 - - - - 1\17 <=45 46-50 51-55 56-60 - - - - 1\18 <=45 46-50 51-55 56-60 - - - - PPT\ PT AGE BAND 1 324 5 6 7 89 1 0 Policy Years 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57" pdf1,"1\11 46-50 51-55 56-60 <=45 1\12 46-50 51-55 56-60 <=45 1\13 46-50 51-55 56-60 <=45 1\14 46-50 51-55 56-60 <=45 1\15 <=45 46-50 51-55 56-60 1\16 <=45 46-50 51-55 56-60 1\17 <=45 46-50 51-55 56-60 1\18 <=45 46-50 51-55 56-60 PPT\ PT AGE BAND 11 12 13 14 15 16 17 18 19 20 Policy Years 79.41 78.58 77.92 77.03 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 82.15 81.22 80.50 79.50 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 85.00 83.95 83.17 82.04 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 87.97 86.78 85.91 84.65 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 91.06 89.70 88.73 87.32 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 94.27 92.73 91.64 90.03 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 97.59 95.85 94.62 92.77 101.04 99.06 97.66 95.57 101.04 99.06 97.66 95.57" pdf1,"1\19 1\20 - - - - - - - - 46-50 51-55 56-60 <=45 46-50 51-55 56-60 <=45 PPT\ PT AGE BAND 1 32 45 67 8 9 1 0 Policy Years 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 1\19 1\20 46-50 51-55 56-60 <=45 46-50 51-55 56-60 <=45 PPT\ PT AGE BAND 11 12 13 14 15 16 17 18 19 20 Policy Years 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 104.62 102.36 100.78 98.37 108.33 105.75 103.94 101.52 108.33 105.75 103.94 101.52 2. For Limited Premium Policy PPT\ PT AGE BAND 1-5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Policy Years 5\10 <=45 46-50 51-55 56-60 - - - - 5\11 <=45 46-50 51-55 56-60 - - - - 60.60 55.76 50.93 46.07 68.50 64.77 61.23 55.64 60.60 55.76 50.93 46.07 68.50 64.77 61.23 55.64 60.60 55.76 50.93 46.07 68.50 64.77 61.23 55.64 60.60 55.76 50.93 46.07 68.50 64.77 61.23 55.64 60.60 55.76 50.93 46.07 68.50 64.77 61.23 55.64 68.50 64.77 61.23 55.64" pdf1,"PPT\PT AGE BAND 1-5 6 7 8 9 10 Policy Years 5\12 <=45 46-50 51-55 56-60 - - - - 5\13 <=45 46-50 51-55 56-60 - - - - 5\14 <=45 46-50 51-55 56-60 - - - - 5\15 <=45 46-50 51-55 56-60 - - - - 5\16 <=45 46-50 51-55 56-60 - - - - 5\17 <=45 46-50 51-55 56-60 - - - - 5\18 <=45 46-50 51-55 56-60 - - - - 5\19 <=45 46-50 51-55 56-60 - - - - 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12" pdf1,"PPT\ PT AGE BAND 11 12 13 14 15 16 17 18 19 20 Policy Years 5\12 <=45 46-50 51-55 56-60 5\13 <=45 46-50 51-55 56-60 5\14 <=45 46-50 51-55 56-60 5\15 <=45 46-50 51-55 56-60 5\16 <=45 46-50 51-55 56-60 5\17 <=45 46-50 51-55 56-60 5\18 <=45 46-50 51-55 56-60 5\19 <=45 46-50 51-55 56-60 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 70.87 67.21 63.91 58.43 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 74.10 70.47 67.34 61.87 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 78.08 74.42 71.46 65.94 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 86.90 83.20 79.81 74.25 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 87.59 83.79 80.30 74.63 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 88.58 84.67 81.08 75.25 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 89.84 85.81 82.09 76.09 91.36 87.15 83.32 77.12 91.36 87.15 83.32 77.12" pdf1,"PPT\ PT AGE BAND 1-5 6 7 8 9 10 11 Policy Years 5\20 <=45 46-50 51-55 56-60 - - - - 6\12 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 6\13 <=45 46-50 51-55 56-60 - - - - 6\14 <=45 46-50 51-55 56-60 - - - - 6\15 <=45 46-50 51-55 56-60 - - - - 6\16 <=45 46-50 51-55 56-60 - - - - 6\17 <=45 46-50 51-55 56-60 - - - - 6\18 <=45 46-50 51-55 56-60 - - - - - - - - - - - - - - - - - - - - - - - - 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30" pdf1,"PPT\PT AGE BAND 12 13 14 15 16 17 18 19 20 Policy Years 5\20 <=45 46-50 51-55 56-60 6\12 <=45 46-50 51-55 56-60 6\13 <=45 46-50 51-55 56-60 6\14 <=45 46-50 51-55 56-60 6\15 <=45 46-50 51-55 56-60 6\16 <=45 46-50 51-55 56-60 6\17 <=45 46-50 51-55 56-60 6\18 <=45 46-50 51-55 56-60 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 93.05 88.71 84.73 78.32 78.05 74.23 70.48 64.61 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 85.01 81.73 79.97 73.28 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 84.44 81.05 79.07 74.07 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 92.10 88.21 84.63 78.81 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 92.14 88.18 84.55 78.62 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 92.62 88.57 84.85 78.82 93.48 89.31 85.50 79.30 93.48 89.31 85.50 79.30" pdf1,"PPT \PT AGE BAND 1-5 6 7 8 9 10 11 12 13 Policy Years 6\19 <=45 46-50 51-55 56-60 - - - - 6\20 <=45 46-50 51-55 56-60 - - - - 7\12 <=45 46-50 51-55 56-60 - - - - 7\13 <=45 46-50 51-55 56-60 - - - - 7\14 <=45 46-50 51-55 56-60 - - - - 7\15 <=45 46-50 51-55 56-60 - - - - 7\16 <=45 46-50 51-55 56-60 - - - - 7\17 <=45 46-50 51-55 56-60 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 78.74 73.15 68.17 61.17 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 82.20 77.48 75.78 69.47 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49" pdf1,"PPT\PT AGE BAND 14 15 16 17 18 19 20 Policy Years 6\19 <=45 46-50 51-55 56-60 6\20 <=45 46-50 51-55 56-60 7\12 <=45 46-50 51-55 56-60 7\13 <=45 46-50 51-55 56-60 7\14 <=45 46-50 51-55 56-60 7\15 <=45 46-50 51-55 56-60 7\16 <=45 46-50 51-55 56-60 7\17 <=45 46-50 51-55 56-60 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 94.64 90.34 86.40 80.04 96.07 91.61 87.55 80.99 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49 91.66 87.99 84.40 79.49 86.72 82.07 78.31 72.51 90.55 87.07 83.64 78.94 90.89 87.33 83.84 79.02 91.66 87.99 84.40 79.49" pdf1,"PPT\ PT AGE BAND 1-5 6 7 8 9 10 11 12 13 Policy Years 7\18 <=45 46-50 51-55 56-60 - - - - - - - - 7\19 <=45 46-50 51-55 56-60 - - - - - - - - 7\20 <=45 46-50 51-55 56-60 - - - - - - - - 8\12 <=45 46-50 51-55 56-60 - - - - - - - - 8\13 <=45 46-50 51-55 56-60 - - - - - - - - 8\14 <=45 46-50 51-55 56-60 - - - - - - - - 8\15 <=45 46-50 51-55 56-60 - - - - - - - - 8\16 <=45 46-50 51-55 56-60 - - - - - - - - 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52" pdf1,"PPT\ PT AGE BAND 1-5 6 7 8 91 01 1 1 2 Policy Years 8\17 <=45 46-50 51-55 56-60 - - - - - - - - 8\18 <=45 46-50 51-55 56-60 - - - - - - - - 8\19 <=45 46-50 51-55 56-60 - - - - - - - - 8\20 <=45 46-50 51-55 56-60 - - - - - - - - 9\12 <=45 46-50 51-55 56-60 - - - - - - - - 9\13 <=45 46-50 51-55 56-60 - - - - - - - - 9\14 <=45 46-50 51-55 56-60 - - - - - - - - 9\15 <=45 46-50 51-55 56-60 - - - - - - - - - - - - - - - - - - - - - - - - 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 83.33 77.53 74.47 67.15 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 83.33 77.53 74.47 67.15 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 83.33 77.53 74.47 67.15 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 83.33 77.53 74.47 67.15 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 83.33 77.53 74.47 67.15 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73" pdf1,"PPT\ PT AGE BAND 1-5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Policy Years 7\18 <=45 46-50 51-55 56-60 - - - - - - - - 7\19 <=45 46-50 51-55 56-60 - - - - - - - - 7\20 <=45 46-50 51-55 56-60 - - - - - - - - 8\12 <=45 46-50 51-55 56-60 - - - - - - - - 8\13 <=45 46-50 51-55 56-60 - - - - - - - - 8\14 <=45 46-50 51-55 56-60 - - - - - - - - 8\15 <=45 46-50 51-55 56-60 - - - - - - - - 8\16 <=45 46-50 51-55 56-60 - - - - - - - - 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 92.77 88.99 85.29 80.22 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 94.14 90.24 86.41 81.20 95.79 91.72 87.77 82.38 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 74.03 68.85 64.16 57.68 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 77.73 73.25 71.64 65.72 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 82.17 77.97 74.25 68.79 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 86.16 82.87 79.65 75.20 86.76 83.39 80.07 75.52 86.76 83.39 80.07 75.52" pdf1,"PPT\ PT AGE BAND 13 14 15 16 17 18 19 20 Policy Years 8\17 <=45 46-50 51-55 56-60 8\18 <=45 46-50 51-55 56-60 8\19 <=45 46-50 51-55 56-60 8\20 <=45 46-50 51-55 56-60 9\12 <=45 46-50 51-55 56-60 9\13 <=45 46-50 51-55 56-60 9\14 <=45 46-50 51-55 56-60 9\15 <=45 46-50 51-55 56-60 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 87.71 84.23 80.82 76.15 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 88.95 85.36 81.85 77.03 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 90.46 86.74 83.09 78.11 92.19 88.31 84.54 79.39 85.52 80.63 78.87 72.83 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 89.40 86.68 81.53 75.00 94.48 90.96 87.48 82.73 94.48 90.96 87.48 82.73" pdf1,"PPT\ PT AGE BAND Policy Years 9\16 <=45 46-50 51-55 56-60 9\17 <=45 46-50 51-55 56-60 9\18 <=45 46-50 51-55 56-60 9\19 <=45 46-50 51-55 56-60 9\20 <=45 46-50 51-55 56-60 10\12 <=45 46-50 51-55 56-60 10\13 <=45 46-50 51-55 56-60 10\14 <=45 46-50 51-55 56-60 1-5 6 7 8 9 10 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 77.95 72.56 69.70 62.89 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 77.95 72.56 69.70 62.89 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 77.95 72.56 69.70 62.89 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00" pdf1,"PPT\ PT AGE BAND 11 12 13 14 15 16 17 18 19 20 Policy Years 9\16 <=45 46-50 51-55 56-60 9\17 <=45 46-50 51-55 56-60 9\18 <=45 46-50 51-55 56-60 9\19 <=45 46-50 51-55 56-60 9\20 <=45 46-50 51-55 56-60 10\12 <=45 46-50 51-55 56-60 10\13 <=45 46-50 51-55 56-60 10\14 <=45 46-50 51-55 56-60 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 77.95 72.56 69.70 62.89 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 77.95 72.56 69.70 62.89 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 94.31 90.73 87.20 82.37 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 94.70 91.03 87.43 82.50 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 95.53 91.77 88.06 82.99 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 96.72 92.82 89.02 83.80 98.21 94.19 90.24 84.86 84.53 81.98 77.14 71.00 80.49 75.91 74.28 68.62 84.53 81.98 77.14 71.00" pdf1,"PPT\ PT AGE BAND 1-5 6 7 8 91 01 11 2 Policy Years 10\15 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 10\16 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 10\17 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 10\18 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 10\19 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 10\20 <=45 46-50 51-55 56-60 - - - - - - - - - - - - 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 PART 1" pdf1,"PPT\ PT AGE BAND 13 14 15 16 17 18 19 20 Policy Years 10\15 <=45 46-50 51-55 56-60 10\16 <=45 46-50 51-55 56-60 10\17 <=45 46-50 51-55 56-60 10\18 <=45 46-50 51-55 56-60 10\19 <=45 46-50 51-55 56-60 10\20 <=45 46-50 51-55 56-60 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.66 86.34 83.09 78.60 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 89.82 86.43 83.10 78.54 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 90.45 86.98 83.56 78.89 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 91.48 87.89 84.37 79.56 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 92.82 89.10 85.48 80.51 94.42 90.57 86.81 81.68 PART 2" pdf1,"J) Guaranteed Surrender Value Factors: Guaranteed Surrender Value 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% 90% 75% 80% 85% 90% 90% 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% 90% 90% 90% 75% 80% 85% 90% 90% 90% 90% 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% 90% 90% 90% 90% 90% Policy Year Policy Term 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 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 100% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 100% 100% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 100% 100% 100% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 100% 100% 100% 100% 100% 100% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 100% 100% 100% 100% 100% 100% 100% 100% 10 0% 30% 35% 50% 50% 50% 50% 75% 90% 90%" pdf1,"Guaranteed Surrender Value (GSV) Factor for Accrued Guaranteed Additions is 30%(applicable for Guaranteed Maturity Option) For Guaranteed Income Option Policy Year Policy Term 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 0% 30% 35% 90% 90% 0% 30% 35% 50% 90% 90% 0% 30% 35% 50% 50% 90% 90% 0% 30% 35% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 100 % 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 90% 100 % 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 90% 100% 100% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90 % 90% 90% 90 % 90 % 100% 100% 100% 10 11 12567 89 1 3 1 4 1 5 1 6 1 7 1 81 92 0" pdf1,"For Life Long Income option For Long Term Income Option Policy Year Policy Term 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 0% 30% 35% 90% 90% 0% 30% 35% 50% 90% 90% 0% 30% 35% 50% 50% 90% 90% 0% 30% 35% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 100% 10 11 125 6 7 8 9 13 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 14 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 100 % 15 Policy Year Policy Term 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 0% 30% 35% 90% 90% 0% 30% 35% 50% 90% 90% 0% 30% 35% 50% 50% 90% 90% 0% 30% 35% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 100% 10 11 1256789 1 3 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 100% 14 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 100 % 15 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 100% 16 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 100% 17 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 90% 100 % 18 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90% 90% 90% 90% 90% 100% 100% 19 0% 30% 35% 50% 50% 50% 50% 75% 75% 90% 90% 90% 90 % 90% 90% 90 % 90 % 100% 100% 100% 20" pdf1,"K) Grievance Redressal Mechanism You can contact us at any of the below touchpoints in case of any concern: Helpline number: 022-68446530 (Call Charges apply) | NRI Helpline number +91 89166 94100 (Call Charges apply) E-mail Address: service@hdfclife.com | nriservice@hdfclife.com (For NRI customers only) You can let us know of your concerns/grievances through any of below options: Option 1: Written letter duly signed by the policyholder at any HDFC Life 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."