Extra Care Extended Health Cover Health Insurance Plan - Bajaj Allianz

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Bajaj Allianz Extra Care Plus is a unique health insurance plan that allows you to extend your existing health insurance cover, in case you exhaust the limit of your regular health insurance policy

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 1 Wider Sum insured and Aggregate deductible Options Floater policy for proposer/ spouse/ dependent children/ dependent parents Emergency Air Ambulance Cover Free Medical Check-up Covers Maternity Expenses Extra Care Plus Bajaj Allianz Extra Care Plus A super top up plan to take care of higher medical expenses CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17

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2 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 ◼ INTRODUCTION In the times of rising medical costs Bajaj Allianz’s Extra Care Plus Policy acts as an additional cover to your existing health insurance cover and provides wider health protection for you and your family. In case of higher expenses due to illness or accidents Extra Care Plus policy takes care of the additional expenses. It is important to consider the fact that with rising infation the health insurance cover may not be adequate at the same time buying a large insurance cover may not be affordable. This policy is a perfect ft for a wider health insurance cover to take care of the rising health care expenses. A Simple and affordable solution to help ensure that you have an adequate Health Insurance Cover ◼ WHAT ARE THE SPECIAL FEATURES OF EXTRA CARE PLUS POLICY • Floater policy for proposer/ spouse/ dependent children/dependent parents dependent parents under same policy • Entry age 91 days to 80 years • Wide range of sum insured and aggregate deductible options • No pre-policy medical tests up to 55 years of age subject to clean proposal form • Pre-existing disease covered after 12 months from your frst Extra Care Plus policy • In patient Hospitalisation cover • Pre 60 days and post 90 days hospitalisation expenses cover • Emergency road ambulance cover • Option to opt for Air Ambulance Cover • Day care procedures as defned under the policy • Free health check up • Maternity expenses including complications of maternity • Income tax beneft under 80 D of the IT Act on premiums paid for this policy subject to changes in the tax laws ◼ COVERAGE ◼ What is covered under Extra Care Plus Policy 1 Medical Expenses If You are hospitalized on the advice of a Doctor because of Illness or Accidental Bodily Injury sustained or contracted during the Policy Period then We will pay You Reasonable and Customary Medical Expenses incurred subject to aggregate deductible as specifed on the policy document Aggregate deductible is a cost sharing requirement under this policy that provides that the company will not be liable for a specifed rupee amount of the covered expenses which will apply before any benefts are payable by the company. A deductible does not reduce the sum insured. The deductible is applicable in aggregate towards hospitalisation expenses incurred during the policy period a. In patient Hospitalisation expenses:- i. Room Rent/Boarding and Nursing Expenses ii. ICU Rent/ Boarding and Nursing Expenses iii. Fees of Medical Practitioner Surgeon Anaesthetist Nurses and Specialist Doctor iv. Operation theatre charges Anesthesia surgical appliances diagnostic tests medicines blood oxygen and cost of prosthetic and other devices or equipment if implanted internally like pacemaker during a surgical process b. Pre-hospitalisation expenses The medical expenses incurred in the 60 days immediately before you were hospitalised provided that: i. Such medical expenses were incurred for the same condition requiring subsequent Hospitalisation and ii. We have accepted the claim underIn-Patient Hospitalisation expenses

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 3 c. Post-hospitalisation expenses The medical expenses incurred in the 90 days immediately after you were discharged provided that: i. Such medical expenses were in fact incurred for the same condition requiring earlier Hospitalisation and ii. We have accepted the claim under In-Patient Hospitalisation expenses d. Day care treatment We will pay you the medical expenses as listed under In-patient Hospitalisation Expenses for Day care procedures / Surgeries taken as an inpatient in a hospital or day care centre but not in the outpatient department. List of Day Care Procedures is given in the annexure I of Policy wordings. 2. Maternity Expenses: We will pay the Medical Expenses related to pregnancy childbirth or medically recommended and lawful termination of pregnancy limited to maximum 2 deliveries or terminations or either during the lifetime of the insured person as below:-. i. We will cover the Medical expenses for maternity including complications of maternity over and above the aggregate deductible limit as specifed under the policy schedule ii. We will also cover expenses towards lawful medical termination of pregnancy during the Policy period. iii. In patient Hospitalization Expenses of pre-natal and post-natal hospitalization iv. Waiting Period of 12 months from the date of inception of the frst Extra Care Plus Policy with us. However this 12 months exclusion would not be applicable in case of continuous renewal of Extra Care Plus Policy without break in cover. 3. Ambulance Expenses If a claim under Medical Expenses is accepted We will also pay the ambulance expenses to a maximum of Rs3000/- per valid hospitalization claim for transferring You/Y our family members named in the schedule to or between Hospitals in the Hospital’s ambulance or in an ambulance provided by any ambulance service provider. 4. Organ Donor Expenses We will pay for Medical treatment of the organ donor for harvesting the organ i.e. including surgery to remove organs from a donor provided that i. The organ donor is any person whose organ has been made available in accordance and in compliance with THE TRANSPLANTATION OF HUMAN ORGANS AMENDMENT BILL 2011 ii. The organ donated is for the use of the Insured Person and iii. We have accepted an inpatient Hospitalisation claim for the insured member under Medical expenses section Specific exclusions: 1. Claims which have NOT been admitted under Medical expenses section 2. Claims not in compliance with THE TRANSPLANTATION OF HUMAN ORGANS AMENDMENT BILL 2011 3. The organ donors Pre and Post-Hospitalisation expenses. Additional benefits Additional benefits for which aggregate deductible is not applicable 1. Free Medical Check-up At the end of every continuous period of 3 years during which You have held Extra Care Plus policy with us We will reimburse the free medical checkup expenses as below • The actual amount of medical checkup expenses up to Rs. 1000/- for policy covering 1 member. • The actual amount of medical checkup expenses up to Rs. 2000/- for policies covering more than 1 member under the same policy. For the avoidance of doubt We shall only be liable for medical check up expenses and any other cost incurred such as for transportation accommodation food or sustenance shall not be payable by us.

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4 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 ◼ OPTIONAL COVER: 1. Air Ambulance Cover In consideration of payment of additional premium by the Insured to the Company and realization thereof by the Company it is hereby agreed and declared that Extra Care Plus Policy is extended to pay the expenses incurred for ambulance transportation in an airplane or helicopter for rapid ambulance transportation from the site of frst occurrence of the illness / accident to the nearest hospital during policy period which directly and independently of all other causes results in emergency life threatening health conditions provided such hospitalization claim is admissible under the Extra Care Policy. The claim would be reimbursed up to the actual expenses subject to a maximum limit as specifed under the Air Ambulance Cover in the Policy Schedule subject otherwise to all other terms conditions and Exclusions of the Policy. Specific Conditions Applicable to Air Ambulance Cover: 1. Return transportation to the Insured’s home by air ambulance is excluded. 2. Such air ambulance should have been duly licensed to operate as such by competent authorities of the Government/s. 3. Deductible will not be applied on the claim admissible under Air Ambulance cover ◼ WHAT ARE THE EXCLUSIONS AND WAITING PERIOD UNDER THE POLICY 1. We are not liable for claims amount falling within Aggregate Deductible limit as opted and mentioned on the policy schedule. 2. Benefts will not be available for Any Pre-existing condition ailment or injury which is declared on proposal form and accepted by us until 12 months of continuous coverage have elapsed after the date of inception of the frst Extra Care Plus policy with us. In case of enhancement of sum insured this Exclusion shall apply afresh only to the extent of the amount by which the limit of indemnity has been increased i.e. enhanced sum insured if the policy is a renewal of Extra Care Plus Policy without break in cover. 3. Any disease contracted and /or medical expenses incurred in respect of any disease /illness by the insured during the frst 30 days from the commencement of the policy except for accidental injuries. 4. We will also not pay for claims arising out of or howsoever connected to the following for the frst 12 months of Extra Care Plus policy 1. Any types of gastric or duodenal ulcers 12. Cataracts 2. Benign prostatic hypertrophy 13. Hernia of all types 3. All types of sinuses 14. Fistulae Fissure in ano 4. Haemorrhoids 15. Hydrocele 5. Dysfunctional uterine bleeding 16. Fibromyoma 6. Endometriosis 17. Hysterectomy 7. Stones in the urinary and biliary systems 18. Surgery for any skin ailment 8. Surgery on ears/tonsils/adenoids/paranasal sinuses 19. Surgery on all internal or external tumours/ cysts/ nodules/polyps of any kind including breast lumps with exception of Malignant tumor or growth. 9. Hypertension its complications related disorders 20. Diabetes its complications related disorders 10. Cardiovascular disease its complications related disorders 21. All Joint Replacement surgeries 11. Surgery for intervertebral disc disorders

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 5 In case of enhancement of Sum Insured at the time of renewal the waiting periods shall apply afresh only to the extent of the amount by which the limit of indemnity has been increased i.e. enhanced Sum Insured and if the policy is a renewal of Extra Care Plus policy with Us without break in cover. 5 We shall not be liable to make any payment under this Policy in connection with or in respect of maternity expenses within frst 12 months from the date of inception of the frst Policy with us. However the 12 months waiting period would not be applicable in case of continuous renewal of Extra Care Plus Policy without break in cover. 6. Any Medical Expenses of the new born baby 7. Dental treatment or surgery of any kind unless requiring hospitalisation and as a result of accidental Bodily Injury to natural teeth. 8. War invasion acts of foreign enemies hostilities whether war be declared or not civilwar commotion unrest rebellion revolution insurrection military or usurped powerorconfscation or nationalisation or requisition of or damage by or under the order ofany government or public local authority. 9. Circumcision unless required for the treatment of Illness or Accidental bodily injury cosmetic or aesthetic treatments of any description treatment or surgery for change of life/gender. 10. Any form of plastic surgery unless necessary for the treatment of cancer burns or accidental Bodily Injury 11. The cost of spectacles contact lenses hearing aids crutches dentures artifcial teeth and all other external appliances and/or devices whether for diagnosis or treatment except for intrinsic fxtures used for orthopedic treatments such as plates and K-wires. 12. External medical equipment of any kind used at home as post hospitalisation care including cost of instrument used in the treatment of Sleep Apnoea Syndrome C.P.A.P Continuous Peritoneal Ambulatory Dialysis C.P.A.D and Oxygen concentrator for Bronchial Asthmatic condition. 13. Convalescence general debility rest cure congenital external diseases or defects or anomalies genetic disorders stem cell implantation or surgery or growth hormone therapy. 14. Intentional self-injury including but not limited to the use or misuse of any intoxicating drugs or alcohol 15. Ailments requiring treatment due to use or abuse of any substance drug or alcohol and treatment for de- addiction. 16. Any condition directly or indirectly caused by or associated with Human Immunodefciency Virus or Variant/ mutant viruses and or any syndrome or condition of a similar kind commonly referred to as AIDS. 17. Medical Expenses relating to any hospitalisation primarily and specifcally for diagnostic X-ray or laboratory examinations and investigations 18. Vaccination or inoculation unless forming a part of post bite treatment or if medically necessary and forming a part of treatment recommended by the treating doctor. 19. Any fertility sub fertility Infertility sterility erectile dysfunction impotence assisted conception operation or sterilization procedure.

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6 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 20 Vitamins tonics nutritional supplements unless forming part of the treatment for injury or disease as certifed by the attending Doctor 21. Experimental unproven or non-standard treatment 22. Weight management services and treatment related to weight reduction programmes including treatment of obesity treatment for arising direct or indirect complications of Obesity. 23. Treatment for any mental illness or psychiatric illness Parkinson’s disease. 24. All non-medical Items as per Annexure II provided in Policy Wordings. 25. Any treatment received outside India. 26. Treatment for any other system other than modern medicine also known as Allopathy 27. Venereal disease or any sexually transmitted disease or sickness. ◼ WHAT IS AGGREGATE DEDUCTIBLE Aggregate deductible is a cost sharing requirement under this policy that provides that the company will not be liable for a specifed rupee amount of the covered expenses which will apply before any benefts are payable by the company. A deductible does not reduce the sum insured. The deductible is applicable in aggregate towards hospitalisation expenses incurred during the policy period ◼ HOW DOES EXTRA CARE PLUS POLICY BENEFIT ME • In times of rising medical infation Extra Care Plus acts as an additional cover to your existing health insurance cover. • This policy can be opted even if there is no existing health insurance policy. • Extra Care Plus policy pays the hospitalisation expenses incurred above the aggregate deductible opted by you. For Example- Case: Insured has opted a plan for 2 members Sum Insured is Rs-1000000 and Deductible of Rs. 200000. The Policy Period is from 01-April-2017 to 31-March-2018 Sum Insured: Rs. 10 Lacs Aggregate Deductible Opted: Rs. 2 Lacs Claim details Date of Hospitalisation T otal Claim AmountinRs. Deductible UtilizationinRs. Balance deductibleinRs. Payable by insuredif anyinRs. Payable under Extra Care PlusPolicyinRs. Claim 1 10-Aug-2017 150000 150000 50000 150000 0 Claim 2 10-Sep-2017 300000 50000 0 50000 250000 Claim 3 10-Oct-2017 750000 0 0 0 750000 ◼ WHO CAN BE COVERED UNDER THIS POLICY • Self spouse dependent children dependent parents can be covered under this policy. A maximum of six members can be covered under single foater policy. ◼ WHAT IS THE ENTRY AGE UNDER THIS POLICY • Minimum entry age for proposer/ spouse/ dependent parents - 18 years • Maximum Entry Age for proposer/ spouse/ dependent parents - 80 years • Minimum Entry age for dependent Children - 3 months • Maximum Entry Age for dependent Children - 25 years

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 7 ◼ WHAT WILL BE THE RENEWAL AGE • For proposer/ spouse/ dependent parents: Life time Renewal • For dependent children policy is renewable up to 35 years In both the cases renewal will not be denied except on the grounds of Y our moral hazard misrepresentation non- cooperation or fraud ◼ ELIGIBILITY • Indian nationals residing in India would be considered for this policy. • This policy can be opted by Non-Resident Indians also provided premium is paid in Indian currency by Indian Account only ◼ WHAT IS THE POLICY PERIOD • This is an annual policy ◼ IS THERE ANY PRE-POLICY CHECKUP FOR ENROLLING UNDER THE POLICY Pre-policy Medical Examination criteria for new Proposals Portability proposals • No Medical tests up to 55 years subject to no adverse health conditions • Medical tests are applicable for members 56 years and above. • The validity of the test reports would be 30 days from date of medical examination. • If pre-policy checkup is conducted 50 of the medical tests charges would be reimbursed subject to acceptance of proposal and policy issuance. Age of the person to be insured Sum Insured Medical Examination Up to 55 years All Sum Insured options No Medical T ests 56 years to 80 years All Sum Insured options Medical T ests required as listed below: Full Medical Report CBC Urine R ECG Lipid profle Fasting BSL HbA1c SGOT SGPT Sr Creatinine Subject to no adverse health conditions ◼ WHEN CAN I ENHANCE MY SUM INSURED • Sum Insured enhancement will be allowed only at the time of renewals. ◼ FREE LOOK PERIOD You have a period of 15 days from the date of receipt of the frst policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions You have the option of canceling the Policy stating the reasons for cancellation. If you have not made any claim during the Free look period you shall be entitled to refund of premium subject to • A deduction of the expenses incurred by Us on Your medical examination stamp duty charges if the risk has not commenced • A deduction of the stamp duty charges medical examination charges proportionate risk premium for period on cover If the risk has commenced • A deduction of such proportionate risk premium commensurating with the risk covered during such period where only a part of risk has commenced • Free look period is not applicable for renewal policies. ◼ RENEWAL i. Under normal circumstances renewal will not be refused except on the grounds of Your moral hazard misrepresentation non- cooperation or fraud.

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8 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 ii. In case of Our own renewal a grace period of 30 days is permissible and the Policy will be considered as continuous for the purpose of 12 month waiting period. However any treatment availed for an Illness or Accident sustained or contracted during the break period will not be admissible under the Policy. iii. For dependent children Policy is renewable up to 35 years. After the completion of maximum renewal age of dependent children the policy would be renewed for lifetime Subject to Separate proposal form to be submitted to us at the time of renewal with the insured member as proposer and subsequently the policy should be renewed with us annually and within the Grace period of 30 days from date of Expiry. Suitable credit of continuity/waiting periods for all the previous policy years would be extended in the new policy provided the policy has been maintained without a break. iv. Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDAI. ◼ CANCELLATION i. We may cancel this insurance by giving You at least 15 days written notice and if no claim has been made then We shall refund a pro-rata premium for the unexpired Policy Period. Under normal circumstances Policy will not be cancelled except for reasons of mis-representation fraud non-disclosure of material facts or Your non- cooperation. ii. You may cancel this insurance by giving Us at least 15 days written notice and if no claim has been made then We shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below. Period in Risk Premium Refund Up to 15 days As per free look period clause Exceeding 15 days but less than 2 months 75.00 Exceeding 2 months but less than 4 months 60.00 Exceeding 4 months but less than 6 months 45.00 Exceeding 6 months but less than 8 months 30.00 Exceeding 8 months but less than 10 months 15.00 Exceeding 10 months but less than 12 months 0.00 ◼ GRACE PERIOD • The grace period is 30 days • If hospitalisation of the member occurs during this grace period the company will not be liable to make any payments if claims are made due to any treatment of illness/ailment/disease diagnosed or hospitalisation taking place. • If the premium is not paid within 30 days of the due date of the frst unpaid premium then the policy will be terminated. ◼ PORTABILITY CONDITIONS I. Retail Policies: As per the Portability Guidelines issued by IRDAI applicable benefts shall be passed on to insured persons who were holding similar retail health insurance policies of other non-life and health insurers. The pre- policy medical examination requirements and provisions for such cases shall remain similar to non-portable cases. II. Group Policies: As per the Portability Guidelines issued by IRDAI applicable benefts shall be passed on to insured persons who were insured under Our Group Health Policy and are availing Our individual Health Plan. However such benefts shall be applicable only in the event of discontinuation/ non-renewal of the Group Health Policy applicable for both employer-employee relationships and non-employer-employee relationships and/or the particular insured person leaving the group on account of resignation/ retirement applicable for employer- employee relationships or termination of relationship with the Group Administrator applicable for non-

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 9 employer-employee relationships. The pre-policy medical examination requirements and provisions for such cases shall remain similar to non-portable cases. ◼ REVISION/ MODIFICATION OF THE POLICY: There is a possibility of revision/ modifcation of terms conditions coverages and/or premiums of this product at any time in future with appropriate approval from IRDAI. In such an event of revision/modifcation of the product intimation shall be set out to all the existing insured members at least 3 months prior to the date of such revision/modifcation comes into the effect ◼ WITHDRAWAL OF POLICY There is possibility of withdrawal of this product at any time in future with appropriate approval from IRDAI as We reserve Our right to do so with a intimation of 3 months to all the existing insured members. In such an event of withdrawal of this product at the time of Your seeking renewal of this Policy You can choose among Our available similar and closely similar Health insurance products. Upon Your so choosing Our new product You will be charged the Premium as per Our Underwriting Policy for such chosen new product as approved by IRDAI. Provided however if Y ou do not respond to Our intimation regarding the withdrawal of the product under which this Policy is issued then this Policy shall be withdrawn and shall not be available to You for renewal on the renewal date and accordingly upon Your seeking renewal of this Policy You shall have to take a Policy under available new products of Us subject to Your paying the Premium as per Our Underwriting Policy for such available new product chosen by Y ou and also subject to Portability condition. ◼ WHAT ARE THE SUM INSURED OPTIONS UNDER THE POLICY Sum Insured in INR Aggregate Deductible Options in INR 300000 200000 - - - 500000 200000 300000 - - 1000000 200000 300000 500000 - 1500000 - 300000 500000 - 2000000 - 300000 500000 1000000 2500000 - 300000 500000 1000000 5000000 - 300000 500000 1000000 Air Ambulance Sum Insured options Optional Cover Base SI In INR Air Ambulance SI In INR 300000 200000 500000 500000 1000000 500000 1500000 1000000 2000000 1000000 2500000 1000000 5000000 1000000

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10 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 ◼ PREMIUM CHART Note: In case of policy issued on Floater Basis age of the oldest member of the family will be considered for premium calculation. Premium Amount in INR Exclusive of applicable taxes FAMILY SIZE: 1 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 Upto 20 1783 1916 1184 2869 2072 1418 2734 2026 3278 2536 1758 3745 2809 2055 5466 4640 3854 21-25 2170 2315 1441 3370 2423 1658 3157 2332 3759 2895 1998 4275 3197 2326 6178 5222 4316 26-30 2397 2556 1590 3720 2673 1828 3483 2571 4148 3193 2201 4717 3526 2563 6816 5759 4757 31-35 2533 2700 1679 3929 2822 1930 3678 2714 4380 3371 2322 4981 3722 2705 7196 6079 5021 36-40 2885 3074 1910 4472 3211 2193 4185 3086 4983 3834 2638 5667 4232 3073 8185 6912 5705 41-45 2982 3195 1968 4779 3442 2346 4547 3359 5452 4206 2902 6227 4657 3394 9079 7694 6377 46-50 3952 4229 2601 6325 4551 3097 6013 4438 7210 5558 3828 8235 6153 4477 12002 10165 8417 51-55 5129 5485 3371 8200 5896 4009 7792 5746 9344 7198 4951 10672 7968 5792 15550 13163 10893 56-60 6305 6739 4139 10075 7241 4919 9571 7054 11477 8838 6074 13108 9782 7105 19095 16159 13368 61-65 7902 8443 5183 12619 9067 6156 11985 8830 14372 11064 7599 16415 12245 8889 23908 20227 16728 66-70 9088 9708 5958 14509 10422 7074 13778 10149 16522 12716 8731 18870 14073 10213 27482 23248 19223 More than 70 10827 11562 7095 17279 12410 8420 16406 12082 19674 15139 10390 22470 16754 12155 32721 27677 22881 FAMILY SIZE: 2 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 21-25 3469 3701 2303 5387 3873 2651 5047 3728 6009 4629 3194 6834 5111 3719 9877 8349 6900 26-30 3832 4087 2542 5947 4274 2923 5569 4111 6631 5105 3519 7542 5637 4098 10897 9208 7606 31-35 4049 4317 2684 6282 4512 3085 5881 4340 7002 5390 3713 7964 5950 4324 11505 9720 8027 36-40 4613 4915 3053 7150 5133 3506 6691 4934 7967 6129 4218 9061 6766 4912 13087 11051 9122 41-45 4768 5107 3146 7641 5503 3751 7269 5371 8716 6725 4640 9956 7446 5426 14516 12301 10195 46-50 6319 6761 4159 10112 7276 4952 9613 7095 11527 8886 6120 13166 9837 7158 19189 16251 13457 51-55 8200 8768 5389 13110 9427 6409 12458 9187 14939 11508 7916 17062 12739 9259 24860 21044 17416 56-60 10081 10775 6618 16107 11577 7865 15301 11278 18348 14130 9711 20956 15639 11360 30528 25834 21373 61-65 12634 13498 8287 20175 14495 9842 19161 14117 22978 17688 12149 26243 19576 14211 38223 32339 26745 66-70 14530 15520 9526 23196 16663 11310 22027 16225 26415 20330 13958 30169 22500 16329 43937 37168 30734 More than 70 17309 18485 11342 27625 19840 13462 26229 19315 31454 24204 16611 35924 26786 19432 52313 44248 36581

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 11 FAMILY SIZE: 3 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 21-25 4256 4550 2826 6679 4808 3291 6289 4650 7504 5788 3999 8546 6397 4663 12389 10485 8679 26-30 4572 4885 3033 7166 5156 3527 6744 4983 8045 6202 4282 9161 6854 4992 13275 11232 9293 31-35 4761 5085 3157 7457 5364 3668 7015 5182 8368 6449 4451 9528 7127 5189 13804 11677 9659 36-40 5251 5605 3478 8212 5904 4035 7719 5699 9207 7092 4889 10482 7836 5700 15179 12835 10611 41-45 5654 6050 3737 8987 6469 4415 8515 6291 10192 7860 5423 11628 8697 6336 16917 14326 11865 46-50 7161 7656 4722 11379 8185 5577 10781 7957 12907 9947 6852 14728 11005 8006 21424 18134 15009 51-55 8891 9502 5853 14131 10159 6914 13390 9876 16035 12351 8498 18299 13664 9932 26620 22525 18635 56-60 10527 11246 6922 16737 12029 8180 15862 11694 19000 14630 10059 21686 16186 11758 31549 26691 22075 61-65 12992 13874 8534 20653 14837 10083 19571 14421 23445 18046 12398 26760 19965 14494 38928 32926 27222 66-70 14708 15717 9651 23493 16882 11466 22315 16444 26759 20603 14155 30563 22803 16558 44518 37669 31158 More than 70 17799 19014 11671 28418 20416 13859 26988 19881 32363 24911 17106 36963 27569 20010 53834 45543 37661 FAMILY SIZE: 4 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 21-25 5010 5361 3326 7906 5695 3899 7466 5523 8918 6882 4759 10163 7610 5553 14756 12498 10354 26-30 5298 5667 3515 8350 6013 4114 7880 5827 9411 7260 5017 10724 8027 5853 15565 13178 10914 31-35 5470 5849 3628 8615 6202 4242 8127 6008 9705 7485 5171 11058 8276 6032 16047 13584 11247 36-40 5917 6324 3921 9303 6694 4576 8769 6479 10470 8071 5571 11928 8922 6498 17300 14640 12115 41-45 6284 6729 4157 10010 7210 4923 9495 7018 11368 8772 6057 12973 9707 7078 18884 15999 13258 46-50 7902 8446 5217 12508 8996 6134 11828 8731 14147 10902 7512 16134 12057 8772 23444 19839 16416 51-55 9710 10372 6399 15371 11049 7525 14537 10722 17392 13395 9218 19837 14814 10768 28825 24385 20168 56-60 11200 11962 7373 17746 12753 8680 16790 12380 20095 15472 10641 22924 17113 12432 33318 28182 23304 61-65 13671 14595 8989 21660 15559 10581 20492 15101 24529 18879 12973 27984 20880 15159 40671 34393 28430 66-70 15236 16275 10008 24249 17424 11841 22993 16945 27550 21210 14575 31451 23468 17041 45767 38717 32017 More than 70 18115 19356 11886 28933 20791 14120 27482 20251 32956 25373 17432 37640 28082 20391 54825 46390 38370

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12 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 FAMILY SIZE: 5 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 21-25 5768 6177 3830 9136 6584 4507 8642 6395 10330 7975 5517 11777 8822 6440 17118 14504 12022 26-30 6039 6465 4007 9553 6882 4709 9031 6680 10793 8330 5760 12304 9214 6723 17877 15143 12548 31-35 6200 6636 4113 9802 7060 4830 9263 6851 11069 8542 5904 12618 9447 6891 18330 15525 12861 36-40 6620 7081 4388 10449 7523 5144 9866 7293 11788 9093 6280 13435 10054 7329 19508 16516 13677 41-45 6966 7462 4610 11112 8007 5469 10548 7800 12632 9751 6737 14417 10792 7873 20996 17793 14751 46-50 8486 9075 5606 13459 9685 6607 12740 9409 15243 11752 8103 17387 13000 9465 25280 21401 17718 51-55 10549 11266 6958 16656 11972 8158 15731 11604 18809 14485 9971 21445 16017 11642 31139 26338 21780 56-60 11950 12760 7874 18887 13573 9243 17848 13162 21348 16437 11308 24345 18177 13206 35360 29906 24726 61-65 14352 15319 9444 22688 16298 11089 21442 15804 25652 19744 13571 29256 21833 15852 42495 35932 29699 66-70 15822 16897 10402 25121 18050 12274 23792 17536 28491 21933 15076 32513 24263 17620 47282 39994 33069 More than 70 18736 20015 12304 29845 21445 14571 28310 20863 33928 26120 17948 38736 28902 20987 56381 47698 39446 FAMILY SIZE: 6 MEMBER Sum Insured in INR 300000 500000 1000000 1500000 2000000 2500000 5000000 Age/ deduc- tible 200000 200000 300000 200000 300000 500000 300000 500000 300000 500000 1000000 300000 500000 1000000 300000 500000 1000000 21-25 6544 7011 4345 10389 7490 5127 9839 7283 11767 9087 6289 13419 10054 7343 19518 16543 13717 26-30 6803 7286 4515 10789 7775 5321 10212 7556 12211 9427 6521 13924 10429 7613 20246 17155 14221 31-35 6958 7451 4616 11027 7946 5436 10434 7719 12475 9630 6659 14225 10653 7774 20680 17521 14521 36-40 7360 7877 4880 11647 8389 5737 11013 8143 13164 10158 7020 15008 11235 8194 21808 18471 15302 41-45 7691 8242 5092 12283 8853 6049 11666 8629 13972 10788 7458 15949 11942 8715 23234 19694 16331 46-50 9147 9788 6047 14531 10461 7139 13766 10170 16474 12705 8766 18794 14057 10241 27338 23151 19174 51-55 11345 12114 7488 17880 12852 8762 16872 12448 20165 15530 10692 22985 17169 12481 33358 28213 23329 56-60 12687 13546 8365 20018 14386 9801 18901 13940 22597 17400 11973 25763 19238 13980 37402 31631 26152 61-65 14988 15998 9870 23660 16997 11570 22344 16471 26721 20568 14141 30469 22741 16514 44238 37405 30916 66-70 16526 17647 10873 26190 18818 12802 24782 18268 29663 22836 15699 33841 25258 18344 49189 41603 34397 More than 70 19396 20717 12746 30836 22156 15061 29222 21537 35020 26948 18520 39996 29822 21650 58244 49264 40728

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 13 AIR AMBULANCE COVER Base Sum Insured in INR Air Ambulance Sum Insured in INR Premium Amount in INR Exclusive of applicable taxes Family Size 1 Family Size 2 Family Size 3 Family Size 4 Family Size 5 Family Size 6 300000 200000 77 123 142 159 176 195 500000 500000 192 307 356 397 441 488 1000000 500000 192 307 356 397 441 488 1500000 1000000 385 615 712 794 882 976 2000000 1000000 385 615 712 794 882 976 2500000 1000000 385 615 712 794 882 976 5000000 1000000 385 615 712 794 882 976 ◼ WHAT WOULD BE THE PROCESS IN CASE OF A CLAIM All Claims will be settled by In house claims settlement team of the company and no TPA is engaged. a. Cashless Claims Procedure: Cashless treatment is only available at a Network Hospital. In order to avail cashless treatment following procedure must be followed by Y ou. i. Prior to taking treatment and/or incurring Medical Expenses at a Network Hospital You must call Us and request pre- authorization by way of the written form We will provide. Waiver of this condition shall be considered in case of emergency hospitalisation arising out of accidental bodily injury. In the event of : • Planned Hospitalization- Insured member should intimate such admission at least 72 hours prior to the planned admission. • Emergency Hospitalization- Insured member or his representative should intimate such admission within 24 hours of such admission ii. After considering Y our request and after obtaining any further information or documentation we have sought We may if satisfed send You or the Network Hospital a pre- authorization letter. The pre- authorization letter the ID card issued to Y ou along with this Policy and any other information or documentation that We have specifed must be produced to the Network Hospital identifed in the pre-authorization letter at the time of Your admission to the same. iii. If the procedure above is followed You will not be required to directly pay for the Medical Expenses above the Aggregate deductible in the Network Hospital that We are liable to indemnify under the policy and the original bills and evidence of treatment in respect of the same shall be left with the Network Hospital. Pre- authorization does not guarantee that all costs and expenses will be covered. We reserve the right to review each claim for Medical Expenses and accordingly coverage will be determined according to the terms and conditions of this Policy. You shall in any event be required to settle all other expenses directly. b. Reimbursement Claim Procedure If pre-authorization under Cashless Claim Procedure mentioned above is denied by Us or if treatment is taken in a Hospital other than a Network Hospital or if You do not wish to avail cashless facility then following procedure must be followed by Y ou: i. You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of hospitalisation in case of emergency hospitalisation and 48 hours prior to hospitalisation in case of planned hospitalisation

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14 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 ii. You must immediately consult a Doctor and follow the advice and treatment that he recommends. iii. You must take steps or measure to minimize the quantum of any claim that may be made under this Policy. iv. You must have Y ourself examined by Our medical advisors if We ask for this at the insurers cost. v. You or someone claiming on Your behalf must promptly and in any event within 30 days of discharge from a Hospital give Us the documentation. vi. In the event of the death of the insured person someone claiming on his behalf must inform Us in writing immediately and send Us a copy of the post mortem report if any within 30 days. vii. We shall not indemnify you for any period of hospitalisation of less than 24 hrs except for Day Care Procedures. viii. We shall make claim payment in Indian Rupees only. ix. In event of a claim the original documents to be submitted after the completion of the claims assessment process the original documents may be returned if requested by the insured in writing however we will retain the Xerox copies of the claim documents. Note: Waiver of conditions i v and vi may be considered where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not possible from him or any other person to give notice or fle claimwithin the prescribed time limit. Documents to be submitted for Claims 1. First Consultation letter from the Doctor 2. Duly completed claim form and NEFT Form signed by the Claimant 3. Original Hospital Discharge Card 4. Original Hospital Bill giving detailed break up of all expense heads mentioned in the bill. Clear break ups have to be mentioned for OT Charges Doctor’s Consultation and Visit Charges OT Consumables Transfusions Room Rent etc. 5. Original Money Receipt duly signed with a Revenue Stamp 6. All original Laboratory and Diagnostic T est Reports. E.g. X-Ray E.C.G USG MRI Scan Haemogram etc. 7. In case of a Cataract Operation IOL Sticker will have to be enclosed 8. Claim settlement letter from any other insurer if any in case of partial settlement 9. In cases of suspected fraud / misrepresentation we may call for any additional documents in addition to the documents listed above. List of Claim Document Specific to Air Ambulance Cover if Opted 1. Duly completed claim form signed by the Claimant 2. Original bills and receipts paid for the transportation from Registered Ambulance Service Provider 3. In cases of suspected fraud / misrepresentation we may call for any additional documents in addition to the documents listed above. All documents related to claims should be submitted to: Health Administration T eam Bajaj Allianz General Insurance Co. Ltd 2nd Floor Bajaj Finserv Building Viman Nagar Pune 411014 T oll Free no: 1800 209 5858 c. Paying a Claim i. You agree that We need only make payment when You or someone claiming on Your behalf has provided Us with necessary documentation and information. ii. We will make payment to You or Your Nominee. If there is no Nominee and You are incapacitated or deceased We will pay Y our heir executor or validly appointed legal representative and any payment We make in this way will be a complete and fnal discharge of Our liability to make payment. iii. On receipt of all the documents and on being satisfed with regard to the admissibility of the claim as per policy terms and conditions we shall offer a settlement of the claim to the insured. Upon acceptance of an offer of settlement by the insured the payment of the amount due shall be made within 7 days from the date

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CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 15 of acceptance of the offer by the insured. We will settle the claim within thirty days of the receipt of the last necessary document. In the cases of delay in the payment the insurer shall be liable to pay interest at a rate which is 2 above the bank rate prevalent at the beginning of the fnancial year in which the claim is reviewed by it. iv. If the insurer for any reasons decides to reject the claim under the policy the reasons regarding the rejection shall be communicated to the insured in writing within 30 days of the receipt of documents. The insured may take recourse to the Grievance Redressal procedure stated under the policy wordings. ◼ HOW DO I BUY THIS POLICY 1. Discuss the policy benefts coverage and premium details with your insurance advisor or visit our website www.bajajallianz.com for details 2. Actively seek information on the charges and exclusions under the policy 3. Fill the proposal form stating your personal details and health profle 4. Ensure that the information given in the form is complete and accurate 5. The Policy Schedule Policy Wordings Cashless Cards and Health Guide will be sent to your mailing address mentioned on the proposal form Contact: Health Administration T eam Bajaj Allianz General Insurance Co. Ltd. 2nd foor Bajaj Finserv Building Behind Weikfeld IT Park Off Nagar RoadViman Nagar-Pune - 411 014. For sales and Renewal-1800- 209- 0144 For service-1800- 209- 5858 / 1800- 102- 5858 / 020-30305858 Cashless facility offered through network hospitals of Bajaj Allianz only.Cashless facility at 5500+ Network hospitals PAN India. Please visit our website for list of network hospitals and network Diagnostic Centers Website: www. bajajallianz.com or get in touch with 247 helpline number: 1800-103-2529 toll free / 020-30305858 Grievance Redressal Cell for Senior Citizens Senior Citizen Cellfor Insured Person who are Senior Citizens ‘Good things come with time’ and so for our customers who are above 60 years of age we have created special cell to address any health insurance related query. Our senior citizen customers can reach us through the below dedicated channels to enable us to service them promptly Health toll free number: 1800-103-2529 Exclusive Email address:customercarebajajallianz.co.in seniorcitizenbajajallianz.co.in Disclaimer: The above information is only indicative in nature and for more details on the coverage terms and exclusions please get in touch with nearest office of Bajaj Allianz General Insurance Co. Ltd

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16 CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.I/50/2016 -17 UIN: IRDAI/HLT/BAGI/P-H/V .I/50/2016 -17 BJAZ-B-0154/14-Apr-17 Disclaimer – The above information is only indicative in nature and for more details on the coverage terms and exclusions please get in touch with our nearest offce.  Bajaj Allianz General Insurance Co. Ltd. G.E. Plaza Airport Road Y erawada Pune - 411006. IRDA Reg No.: 113. For Any Query toll Free For Sales and Renewal-1800- 209- 0144 For service- 1800- 209- 5858 / 1800- 102- 5858 / 020-30305858 www.bajajallianz.com customercarebajajallianz.co.in   

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