Medical expenses incurred in the event of sudden illness or accident. Covers 30 days prior and 60 days post hospitalization expenses.

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1 ************************************************* Parents Health and Medical Insurance NRI Rishtey Policy Wordings ************************************************* Policy Coverage Rishtey Parents' Health insurance offers comprehensive Health Insurance Package for your loved ones. It offers the following specialised covers: Hospitalization expenses including - - Room charges - Diagnostic test(s) expenses - Doctor's / surgeon's fee - Cost of medicines Medical expenses incurred in the event of sudden illness or accident. Covers 30 days prior and 60 days post hospitalization expenses. Expenses on technologically advanced treatment which do not require hospitalization. Premium Table for 2 years cover Age Slab Plan 2 Plan 1 (Sum Insured per year Rs. 3 (Sum Insured per year Rs. 2 lacs) lacs) 3 months 35 years Rs. 6,750 Rs. 8, years 45 years Rs. 8,250 Rs. 10, years 55 years Rs. 12,500 Rs. 16, years 65 years Rs. 17,500 Rs. 22,500 Premium shown in the table is for 2 years and includes service tax and TPA fee. Sum Insured shown in table is the amount of cover available per person per year. Air ticket reimbursement benefit in Plan 1 and 2 is Rs. 10,000 and Rs. 20,000 respectively.

2 Coverage limit for specific ailments / conditions: Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured). Name of the Ailment/Surgery/Procedure Sub-limit (Rs.) Tonsilitis /Tonsillectomy Cataract (Each Operation) Tympanoplasty Fistula, Piles, Hydrocele, Sinusitis (FESS) Appendicitis, Hernia Benign Prostatic Hypertrophy (TURP), Hysterectomy Cholecystectomy, Lapchole Coronary Artery Disease /Ischemic Heart Disease requiring Angioplasty/PTCA Joint Replacement Surgery (Each Joint) All others ailment(s) / surgery(s)/ procedure(s) are covered up to the sum insured under the policy. Key Benefits A whole host of benefits that makes Rishtey Parents' Health Insurance the best and the most useful gift: Pre-existing illnesses can be covered after the 4th year provided the policy is renewed with us for four consecutive years. Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been

3 hospitalised due to specified medical emergencies -Stroke, Heart Attack (MI), Coronary Artery Bypass, Graft Surgery, Kidney Failure, End-stage Renal Failure, Endstage Liver Disease and Brain Tumour Surgery. Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the insured requires nursing care post discharge. Cashless claims facility at over 3,500 network hospitals across India. Every insured is provided a free health check-up post issuance of policy. For anyone above 55 years of age, cashless benefit will be activated as soon as the health check-up process is completed. Income tax benefit u/s 80 D for your income in India.* Rishtey - Parents' Health Policy offers a 2-year cover for your dependents against a single premium, with automatic renewal after the first year. The policy can be renewed up to the age of 75 years. You can pay through your ICICI Bank & Citibank Credit Card and avail of equal monthly installments (EMI) without any extra charges. (Conditions Apply. Providing EMI facility for ICICI Bank (upto 12 months), Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks). Note: EMI option subject to minimum annual premium of Rs Value added features We shall intimate you via and SMS when the Insured files a claim** We will call your dependants in India to explain the policy coverage and claims process Send as a Gift - Gift this policy to your loved ones along with a personalized message

4 *Optimum Tax Benefit of Rs 5099/- subject to the provisions of Section 80D of the Income Tax Act, 1961 and amendments made thereafter. (assuming highest tax bracket and premium of Rs. 15,000) **E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers. Eligibility You can gift Rishtey Parents' Health Insurance to your parents, grandparents, spouse and children: Minimum age of the insured should be 3 months and maximum age should be 65 years (as on last birthday). Applicant can buy the policy for self, spouse, children and parents. The insured should be in India for the purpose of claim. The policy can be renewed up to the age of 75 years. Policy Exclusions Any pre-existing illness will be excluded from scope of cover unless the insured has renewed the policy with us for a period of 4 consecutive years. Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment. Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury. War, riots, strike, terrorism acts, nuclear weapon induced treatment.

5 Other exclusions for first 2 years: Cataract Benign Prostatic Hypertrophy Congenital Internal Diseases Fistula in Anus Piles Hysterectomy for Menorrhagisa or Fibromyoma Hernia Sinusitis and related disorders Need for Policy Health care costs have been rising at more than 20 percent on an annualized basis and out of pocket spending on healthcare still continues to be around 75 percent. Source TOI Protect your family back home against unforeseen medical contingencies Individuals require to have an insurance that caters solely to their health needs, apart from life insurance and investments, that provides cover against expenses incurred during hospitalization, as well as before and after Avail cashless hospitalisation through ICICI Lombard's network of 3500 hospitals across India