metadata.csv

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."