SHORT WALKS. BIG BENEFITS.

Transcription

1 SHORT WALKS. BIG BENEFITS. Optima Restore with Stay Active benefit. SAVE 2% SAVE 5% SAVE 8%

2 Introducing Optima Restore Health Insurance Plan The Optima Restore isn`t just a regular health insurance plan. It is a plan that: Cares for You in illness Rewards You for Staying Healthy Now with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium. The more you walk, the healthier you and your family gets! Stay Active benefit comes along with the other Uncomplicated Benefits such as Auto restoration of sum insured if utilized during the year, 100% no claim bonus after 2 claim free years and much more! WALK FOR HEALTH

3 RESTORE BENEFIT A Health Plan which restores your Sum Insured when you need it the most. Instant addition of 100% Basic Sum Insured on complete or partial utilization of Your existing Policy Sum Insured and Multiplier Benefit (if applicable) during the Policy Year. This total amount (Basic sum insured, Multiplier benefit and Restore sum insured) will be available to all Insured Persons for all claims under In-patient Benefit during the current Policy Year. Too good to be true, here s how it will work: If you have a base Sum Insured of 5 lakhs, and you claim Rs.1,00,000 in the beginning of the year, we will restore the base Sum Insured of 5 lakhs to your remaining balance, i.e. you will now have Rs.9,00,000 which can be used for subsequent claims in the remaining policy year for all claims under In-patient Benefits. However, single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and Multiplier Benefit (if any). HEALTH CHECK UP 2X Optima Restore helps you keep track of your health status with its preventive health check up benefit offered at renewal irrespective of claim status. The health check up benefit available once in 2 years on sum insured of Rs 5 lakhs & once every year on sum insured of Rs 10 lackhs & above. The amazing restore benefit also comes with a never before renewal incentive. If you ve had a claim free year, we'll increase your basic sum insured by 50% as no claim bonus. If you don t claim even in the second year, we ll double your basic sum insured as no claim bonus i.e. 100% of the basic sum insured. So, if you have a 5 lakh policy and don t claim in the first year, we will increase your cover to 7.5 lakh for the second year and 10 lakh in the third year (if you don't claim in the second year), while you only pay a premium for a 5 lakh policy. What makes OptimaRESTORE really a game changing health plan is that the goodies don t just stop with the unique Restore and Multiplier benefits. OptimaRESTORE is packed with a bunch of fantastic features that truly uncomplicate healthcare and make it a plan that genuinely cares for you. Lifelong renewal: Renew your cover lifelong and stay covered forever. No sub-limit on room rent: : With this health plan you can get the room you like and the treatment you deserve without a hassle. Cashless transactions: OptimaRestore enables you to get treated on a cashless basis across 4000 hospitals in over 800 cities. No geography based sub-limits: No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional copays or sub-limits. No claim based loading: We will never load your renewal premium because you claimed or fell ill after taking our policy. Quick turnaround time: You don t have to worry about pre-authorization, 90% of pre-authorization is done within 2 hours. Quick claim payment: When it comes to claim settlement, we re one of the fastest in the industry to honor every genuine claim. Certified associates: When you deal with us you can be assured that all our field partners and sales executives are well trained. Easy upgrade: This health plan also comes with an easy upgrade option. You can upgrade your cover to the next slab at the time of your policy renewal. Tax benefits: You can avail tax benefits for the premium amount under Section 80 D of the Income Tax Act. OptimaRESTORE, offers you easy portability, so if you are insured under another Insurer s health insurance policy you can transfer to Apollo Munich with all your accrued benefits after due allowances for waiting periods and enjoy all the unbelievable benefits of OptimaRESTORE. WALK MORE EARN MORE

4 Basic Sum Insured per Insured Person per Policy Year (Rs. in Lakh) , 25.00, a) In-patient Treatment Covered upto sum insured 1b) Pre-Hospitalization Covered upto 60 Days 1c) Post-Hospitalization Covered upto 180 Days 1d) Day Care Procedures All Day Care Treatments Covered 1e) Domiciliary Treatment Covered upto sum insured 1f) Organ Donor Covered upto sum insured 1g) Ambulance Cover Upto Rs. 2,000 / Hospitalisation 1h) Daily Cash for choosing Shared Accommodation 1i) E-Opinion in respect of a Critical Illness Rs.800 / day, Maximum Rs.4,800 One opinion per policy year Rs.1000 / day, Maximum Rs.6,000 1j) Emergency Air Ambulance Cover Not Covered Covered upto Rs. 2.5 Lacs per hospitalization and maximum upto sum insured in an year 2) Restore Benefit Equal to 100% of Basic Sum Insured 3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%.In case of claim, bonus will be reduced by 50% of the basic sum insured. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy 4) Health Checkup Not Applicable Upto Rs Upto Rs Upto Rs Upto Rs RESTORE FAMILY Basic Sum Insured per Policy per Policy Year (Rs. in Lakh) , 25.00, a) In-patient Treatment Covered upto sum insured 1b) Pre-Hospitalization Covered upto 60 Days 1c) Post-Hospitalization Covered upto 180 Days 1d) Day Care Procedures All Day Care Treatments Covered 1e) Domiciliary Treatment Covered upto sum insured 1f) Organ Donor Covered upto sum insured 1g) Ambulance Cover Upto Rs. 2,000 / Hospitalisation 1h) Daily Cash for choosing Shared Accommodation 1i) E-Opinion in respect of a Critical Illness Rs.800 / day, Maximum Rs.4,800 One opinion per policy year Rs.1000 / day, Maximum Rs.6,000 1j) Emergency Air Ambulance Cover Not Covered Covered upto Rs. 2.5 Lacs per hospitalization and maximum upto sum insured in an year 2) Restore Benefit Equal to 100% of Basic Sum Insured 3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%.In case of claim, bonus will be reduced by 50% of the basic sum insured. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy 4) Health Checkup Not Applicable Upto Rs Upto Rs Upto Rs Upto Rs. 10,000 Maximum Age: The maximum entry age is 65 years. There is no maximum cover ceasing age in this Policy. Minimum Age: The minimum entry age is 91 days. Children between 91 days and 5 years can be insured provided either parent is getting insured under this Policy. The cover will be valid for 1 or 2 year(s) as opted. An additional 7.5% discount is offered on the premium if you choose a 2 year Policy. An individual and/or his family members namely spouse, dependent children and dependent parents/parents-in-law are eligible for buying this cover on an individual or floater basis. EVERY STEP COUNTS

5 MAJOR EXCLUSIONS Any treatment within first 30 days of cover except any accidental injury. Any Pre-existing diseases/conditions will be covered after a waiting period of 3 years. 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc. Expenses arising from HIV or AIDS and related diseases. Abuse of intoxicant or hallucinogenic substance like drugs and alcohol. Pregnancy, dental treatment, external aids and appliances. Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation of any kind. Non-allopathic treatment, congenital external diseases, mental disorder, cosmetic surgery or weight control treatments. For complete exclusions please refer to the policy document. TERMS OF RENEWAL: LIFE-LONG RENEWAL Life-long Renewal: We offer life-long renewal regardless of your health status or previous claims made under your policy, unless the Insured Person or any one acting on behalf of an Insured Person acts in a dishonest or fraudulent manner or if there is any misrepresentation under or in relation to this policy or it poses a moral hazard. Waiting Period: The waiting periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your policy. Renewal premium are subject to change with prior approval from IRDAI. Any change in benefits or premium (other than due to change in Age) will be done with the approval of the Insurance Regulatory and Development Authority and will be intimated at least 3 months in advance. In the likelihood of this policy being withdrawn in future, intimation will be sent to insured person about the same 3 months prior to expiry of the policy. Insured Person will have the option to migrate to similar indemnity health insurance policy available with us at the time of renewal with all the accrued continuity benefits such as Multiplier Benefit, waiver of waiting period etc; provided the policy has been maintained without a break as per portability guidelines issued by IRDAI. Sum Insured Enhancement: Sum Insured can be enhanced only at the time of renewal subject to no claim having been lodged/paid under the Policy. If the insured increases the Sum Insured one grid up, no fresh medicals shall be required. In case where the Sum Insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured, waiting period will apply afresh for the amount by which the Sum Insured has been enhanced. However, the quantum of increase shall be at the discretion of the company. Any Insured Person in the policy has the option to migrate to similar indemnity health insurance policy available with us at the time of renewal subject to underwriting with all the accrued continuity benefits such as Multiplier Benefit, waiver of waiting period etc; provided the policy has been maintained without a break as per portability guidelines issued by IRDAI. Grace Period- Grace Period 30 days for renewing the policy is provided undue this policy. Any Diseases/condition contracted during the Grace Period will not be covered and will be treated as a Pre-existing condition. Child Dependent after attaining the age of 25years will be offered coverage under separate individual policy with all continuity benefits. FREE LOOK PERIOD: 15 DAYS TERMINATION You have a period of 15 days from the policy receipt date to revew your policy. If You have any objections to any of the terms and conditions, You have the option of cancelling the policy stating the reasons for cancellation and You shall be refunded the premium paid by You after adjusting the amounts spent on any medical check-up and stamp duty charges. You can cancel your policy only if You have not made any claims under the policy. All Your rights under this policy shall immediately stand extinguished on the free look cancellation of the policy. Free look provision is not applicable and available at the time of renewal of the policy. Termination (other than Free Look Period): The policyholder may terminate this policy at any time by giving us written notice or calling on our toll free number and the policy shall terminate when such written notice or call is received. If no claim has been made under the policy, then we will refund part of the premium paid after retaining premiums as applicable short period rates in accordance with the policy document. We may terminate this policy on grounds of misrepresentation, fraud, and nondisclosure of material facts or noncooperation by the policyholder or any insured person or anyone acting on the policyholder s behalf or on behalf of an insured person upon 30days notice by sending an endorsement to the policyholder s address shown in the schedule without refund of premium. TAX BENEFIT WALK FOR HEALTH

6 DISCOUNTS Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan. An additional 7.5% discount is offered on the premium if you choose a 2 year policy. STAY ACTIVE We will offer a discount at each renewal if the insured member achieves the average step count target on our mobile app Health Jinn. In an individual policy, the average step count would be calculated per adult member and in a floater policy it would be an average of all adult members covered. Dependent children covered either in individual or floater plan will not be considered for calculation of average steps. In individual policies the discount percentage (%) would be applied on premium applicable per insured member (Dependent Children are not eligible for this stay active discount in an individual policy) and in a floater policy it would be applied on premium applicable on policy. The discount provided would be as per the table below: Average Step Count Renewal Discount 5000 or below 0% 5001 to % 8001 to % Above % The mobile app must be downloaded within 30 days of the policy risk start date to avail this benefit. The average step count completed by an Insured member would be tracked on this mobile application. We reserve the right to remove or reduce any count of steps if found to be achieved in unfair manner by manipulation. DISCLAIMER This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification. STATUTORY WARNING Section 41 of Insurance Act 1938 as amended by Insurance Laws Amendment Act, 2015 (Prohibition of Rebates): 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 insurers. Any person making default in complying with the provision of this section shall be liable for a penalty which may extend to 10 lakh rupees. WALK MORE EARN MORE

7 Optima Restore (OR) - Individual Premium inclusive of GST (Delhi NCR/Mumbai MMR) Age Group (Years) 1A 1A 1A 1A 1A 1A 1A 91d-17 5,815 7,056 7,986 9,572 11,221 12,176 15, ,947 8,431 11,024 13,212 15,488 16,808 21, ,861 9,540 12,724 15,250 17,875 19,400 24, ,499 13,955 18,931 22,690 26,596 28,864 37, ,539 17,645 24,251 29,068 34,071 36,976 47, ,770 22,779 31,802 38,119 44,680 48,490 62, ,065 31,632 44,860 53,769 63,024 68,398 87, ,966 43,648 62,344 74,726 87,588 95, , ,451 52,732 76,068 91, , , , ,142 63,278 92, , , , ,920 > 80 59,962 72, , , , , ,322 Optima Restore (OR) - Floater Premium inclusive of GST (Delhi NCR/Mumbai MMR) Age Group (Years) 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,962 10,875 13,792 16,531 19,376 21,028 27, ,714 11,787 15,267 18,299 21,450 23,278 29, ,515 16,401 21,698 26,007 30,483 33,082 42, ,717 20,288 27,241 32,653 38,273 41,536 53, ,989 25,470 34,850 41,771 48,961 53,135 68, ,283 34,324 47,906 57,421 67,304 73,043 93, ,185 46,340 65,391 78,378 91,868 99, , ,670 55,423 79,114 94, , , , ,359 65,969 95, , , , ,893 > 80 62,180 75, , , , , ,294 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,552 14,018 17,348 20,794 24,374 26,453 34, ,094 14,678 18,538 22,219 26,044 28,265 36, ,105 19,544 25,256 30,272 35,483 38,508 49, ,516 23,685 31,088 37,262 43,675 47,399 60, ,840 28,932 38,768 46,466 54,464 59,107 75, ,137 37,786 51,823 62,115 72,807 79, , ,036 49,802 69,308 83,073 97, , , ,520 58,886 83,032 99, , , , ,211 69,431 99, , , , ,573 > 80 65,033 78, , , , , ,974 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,991 15,766 19,325 23,163 27,151 29,466 37, ,417 16,282 20,355 24,398 28,596 31,034 39, ,543 21,291 27,233 32,641 38,259 41,522 53, ,071 25,573 33,224 39,823 46,677 50,656 65, ,424 30,855 40,942 49,075 57,521 62,426 80, ,720 39,708 54,000 64,724 75,866 82, , ,620 51,724 71,484 85, , , ,133 EVERY STEP COUNTS

8 ,106 60,808 85, , , , , ,796 71, , , , , ,838 > 80 66,617 80, , , , , ,239 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C ,637 18,977 22,958 27,519 32,255 35,007 45, ,063 19,492 23,988 28,753 33,701 36,575 47, ,190 24,502 30,866 36,997 43,364 47,063 60, ,718 28,784 36,857 44,178 51,782 56,198 72, ,071 34,065 44,576 53,430 62,626 67,967 87, ,367 42,919 57,634 69,080 80,970 87, , ,267 54,935 75,118 90, , , , ,753 64,019 88, , , , , ,443 74, , , , , ,961 >80 69,264 84, , , , , ,362 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C ,284 22,188 26,591 31,874 37,360 40,548 52, ,710 22,703 27,621 33,108 38,805 42,117 54, ,837 27,712 34,500 41,352 48,469 52,604 67, ,365 31,995 40,491 48,533 56,887 61,739 79, ,718 37,276 48,209 57,786 67,731 73,508 94, ,014 46,130 61,267 73,435 86,075 93, , ,914 58,146 78,751 94, , , , ,400 67,229 92, , , , , ,089 77, , , , , ,083 >80 71,910 87, , , , , ,484 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A ,726 11,802 15,433 18,499 21,683 23,532 30, ,609 14,088 18,745 22,468 26,336 28,581 36, ,516 20,042 27,149 32,542 38,142 41,396 53, ,820 25,269 34,660 41,543 48,693 52,845 67, ,552 32,223 44,852 53,760 63,012 68,385 87, ,758 43,395 61,312 73,488 86,138 93, , ,259 59,781 85, , , , , ,192 74, , , , , , ,987 89, , , , , ,970 > 80 85, , , , , , ,742 Age Group (Years) 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C ,740 14,247 18,202 21,815 25,571 27,751 35, ,461 16,336 21,288 25,518 29,909 32,459 41, ,530 22,488 29,917 35,859 42,030 45,615 58, ,998 27,911 37,649 45,128 52,896 57,406 73, ,770 34,915 47,899 57,411 67,293 73,030 93,896 WALK FOR HEALTH

9 ,976 46,087 64,358 77,140 90,418 98, , ,478 62,473 88, , , , , ,411 76, , , , , , ,206 92, , , , , ,942 > 80 88, , , , , , ,715 Age Group (Years) 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C ,330 17,391 21,759 26,080 30,569 33,176 42, ,842 19,226 24,559 29,437 34,503 37,446 48, ,121 25,632 33,474 40,124 47,029 51,040 65, ,798 31,308 41,496 49,736 58,298 63,268 81, ,622 38,377 51,815 62,106 72,795 79, , ,827 49,547 68,276 81,835 95, , , ,331 65,934 92, , , , , ,263 80, , , , , , ,058 95, , , , , ,622 > 80 91, , , , , , ,393 Age Group (Years) 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C ,496 21,233 26,108 31,291 36,678 39,805 51, ,753 22,757 28,557 34,228 40,119 43,541 55, ,287 29,474 37,823 45,336 53,138 57,669 74, ,220 35,461 46,196 55,370 64,900 70,434 90, ,109 42,607 56,602 67,844 79,521 86, , ,313 53,777 73,064 87, , , , ,815 70,165 96, , , , , ,749 84, , , , , , , , , , , , ,006 > 80 94, , , , , , ,779 Age Group (Years) 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C ,143 24,444 29,741 35,647 41,783 45,346 58, ,399 25,968 32,190 38,584 45,224 49,082 63, ,934 32,685 41,456 49,691 58,242 63,210 81, ,867 38,672 49,829 59,726 70,005 75,975 97, ,755 45,818 60,235 72,199 84,626 91, , ,959 56,988 76,698 91, , , , ,462 73, , , , , , ,395 87, , , , , , , , , , , , ,129 >80 97, , , , , , ,902 WALK MORE EARN MORE

10 Optima Restore (OR) - Individual Premium inclusive of GST (Rest of India) Age Group (Years) 1A 1A 1A 1A 1A 1A 1A 91d-17 5,258 6,671 7,691 9,217 11,113 12,061 15, ,282 7,971 10,615 12,724 15,340 16,649 21, ,110 9,020 12,252 14,686 17,705 19,215 24, ,399 13,194 18,230 21,850 26,344 28,589 36, ,149 16,683 23,353 27,991 33,747 36,625 47, ,974 21,536 30,625 36,706 44,254 48,027 61, ,665 28,757 41,537 49,787 60,023 65,141 83, ,275 39,680 57,726 69,190 83,417 90, , ,784 47,938 70,433 84, , , , ,340 57,525 85, , , , ,305 > 80 52,141 66, , , , , ,212 Optima Restore (OR) - Floater Premium inclusive of GST (Rest of India) Age Group (Years) 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,104 10,281 13,281 15,918 19,192 20,827 26, ,784 11,144 14,702 17,621 21,245 23,057 29, ,221 15,505 20,894 25,043 30,193 32,767 42, ,118 19,181 26,233 31,443 37,909 41,141 52, ,981 24,081 33,559 40,224 48,494 52,629 67, ,595 31,204 44,357 53,167 64,099 69,565 89, ,204 42,127 60,547 72,572 87,493 94, , ,713 50,385 73,254 87, , , , ,268 59,972 88, , , , ,994 > 80 54,070 68, , , , , ,899 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,448 13,254 16,706 20,025 24,142 26,201 33, ,936 13,877 17,851 21,396 25,796 27,994 35, ,565 18,478 24,321 29,151 35,145 38,141 49, ,649 22,393 29,937 35,883 43,259 46,947 60, ,560 27,355 37,332 44,744 53,945 58,545 75, ,075 34,351 47,985 57,514 69,340 75,253 96, ,683 45,274 64,174 76,919 92, , , ,192 53,532 76,882 92, , , , ,749 63,119 91, , , , ,307 > 80 56,550 71, , , , , ,213 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,748 14,906 18,610 22,306 26,892 29,185 37, ,133 15,394 19,601 23,494 28,324 30,739 39, ,865 20,130 26,224 31,433 37,895 41,125 52, ,056 24,178 31,993 38,348 46,232 50,174 64, ,992 29,172 39,426 47,257 56,974 61,831 79, ,452 36,099 50,000 59,930 72,253 78, , ,061 47,022 66,190 79,335 95, , ,460 EVERY STEP COUNTS

11 ,570 55,279 78,896 94, , , , ,127 64,867 93, , , , ,370 > 80 57,927 73, , , , , ,276 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C ,141 17,942 22,108 26,500 31,947 34,673 44, ,526 18,430 23,100 27,688 33,380 36,227 46, ,258 23,166 29,723 35,627 42,951 46,614 59, ,449 27,214 35,492 42,543 51,289 55,662 71, ,385 32,208 42,925 51,452 62,030 67,319 86, ,753 39,018 53,364 63,963 77,114 83, , ,362 49,941 69,554 83, , , , ,871 58,199 82,260 98, , , , ,428 67,786 97, , , , ,154 > 80 60,228 76, , , , , ,060 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C ,534 20,978 25,607 30,694 37,004 40,161 51, ,919 21,467 26,598 31,882 38,436 41,715 53, ,651 26,202 33,222 39,821 48,007 52,102 66, ,842 30,250 38,991 46,736 56,345 61,150 78, ,778 35,244 46,424 55,646 67,087 72,807 93, ,054 41,937 56,729 67,996 81,976 88, , ,663 52,860 72,918 87, , , , ,172 61,118 85, , , , , ,729 70, , , , , ,938 > 80 62,529 79, , , , , ,844 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A ,796 11,159 14,861 17,814 21,476 23,307 29, ,498 13,320 18,050 21,636 26,085 28,309 36, ,936 18,950 26,144 31,336 37,779 41,000 52, ,829 23,890 33,376 40,004 48,229 52,341 67, ,013 30,465 43,190 51,768 62,411 67,733 87, ,093 39,450 56,770 68,045 82,036 89, , ,834 54,346 78,904 94, , , , ,211 67,511 98, , , , , ,337 81, , , , , ,781 > 80 74,735 94, , , , , ,326 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C ,616 13,470 17,527 21,008 25,328 27,487 35, ,174 15,444 20,500 24,572 29,625 32,150 41, ,757 21,261 28,809 34,532 41,630 45,181 58, ,799 26,388 36,256 43,456 52,392 56,858 73,105 WALK FOR HEALTH

12 ,018 33,011 46,124 55,284 66,651 72,335 93, ,022 41,897 59,591 71,427 86,112 93, , ,763 56,793 81,726 97, , , , ,140 69, , , , , , ,265 84, , , , , ,469 > 80 76,665 97, , , , , ,015 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C ,959 16,442 20,953 25,115 30,278 32,859 42, ,326 18,177 23,650 28,347 34,175 37,090 47, ,101 24,234 32,235 38,637 46,581 50,554 64, ,330 29,600 39,958 47,894 57,742 62,666 80, ,597 36,284 49,895 59,805 72,102 78, , ,501 45,043 63,219 75,774 91,353 99, , ,244 59,939 85, , , , , ,619 73, , , , , , ,746 87, , , , , ,782 > 80 79, , , , , , ,327 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C ,823 20,074 25,140 30,132 36,329 39,426 50, ,959 21,516 27,499 32,960 39,737 43,127 55, ,963 27,866 36,422 43,656 52,633 57,120 73, ,425 33,527 44,485 53,319 64,282 69,764 89, ,750 40,283 54,507 65,331 78,764 85, , ,533 48,889 67,652 81,087 97, , , ,274 63,786 89, , , , , ,651 76, , , , , , ,777 91, , , , , ,721 > 80 82, , , , , , ,266 SI in INR 300, ,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 Age Group (Years) 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C ,216 23,110 28,639 34,327 41,385 44,914 57, ,352 24,552 30,997 37,155 44,793 48,615 62, ,356 30,902 39,921 47,851 57,688 62,608 80, ,818 36,563 47,984 57,514 69,338 75,252 96, ,143 43,319 58,005 69,526 83,820 90, , ,834 51,808 71,016 85, , , , ,575 66,705 93, , , , , ,952 79, , , , , , ,078 93, , , , , ,504 > 80 84, , , , , , ,049 WALK MORE EARN MORE

13 2 YEAR PREMIUM Optima Restore (OR) - Individual Premium inclusive of GST (Delhi NCR/Mumbai MMR) Age Group (Years) 1A 1A 1A 1A 1A 1A 1A ,758 13,054 14,775 17,708 20,758 22,526 28, ,805 14,326 17,584 21,076 24,705 26,811 34, ,851 15,598 20,394 24,443 28,652 31,095 39, ,697 16,624 21,966 26,328 30,860 33,493 43, ,543 17,650 23,539 28,213 33,068 35,891 46, ,908 21,733 29,281 35,095 41,135 44,645 57, ,273 25,816 35,022 41,977 49,203 53,398 68, ,085 29,229 39,943 47,876 56,117 60,902 78, ,897 32,642 44,865 53,776 63,032 68,406 87, ,811 37,392 51,850 62,148 72,845 79, , ,725 42,141 58,834 70,520 82,657 89, , ,473 50,330 70,913 84,996 99, , , ,220 58,520 82,991 99, , , , ,379 69,634 99, , , , , ,538 80, , , , , , ,461 89, , , , , , ,385 97, , , , , , , , , , , , , , , , , , , , , , , , , , ,749 >80 110, , , , , , ,796 Floater inclusive of GST (Delhi NCR/Mumbai MMR) Age Group (Years) 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,580 20,119 25,515 30,582 35,845 38,901 50, ,275 20,962 26,879 32,218 37,764 40,983 52, ,970 21,806 28,244 33,854 39,683 43,064 55, ,486 26,074 34,192 40,984 48,038 52,133 67, ,002 30,342 40,141 48,113 56,393 61,203 78, ,964 33,937 45,269 54,261 63,600 69,022 88, ,927 37,532 50,397 60,408 70,806 76,842 98, ,878 42,326 57,435 68,842 80,691 87, , ,829 47,120 64,473 77,276 90,577 98, , ,577 55,310 76,549 91, , , , ,324 63,499 88, , , , , ,483 74, , , , , , ,642 85, , , , , , ,565 94, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,798 >80 115, , , , , , ,844 EVERY STEP COUNTS

14 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,372 25,934 32,094 38,469 45,092 48,938 62, ,873 26,544 33,195 39,787 46,637 50,614 65, ,374 27,154 34,295 41,106 48,181 52,289 67, ,084 31,656 40,509 48,554 56,912 61,765 79, ,794 36,157 46,723 56,003 65,643 71,240 91, ,949 39,987 52,118 62,469 73,221 79, , ,105 43,817 57,513 68,935 80,799 87, , ,104 48,671 64,617 77,448 90,779 98, , ,103 53,525 71,720 85, , , , ,853 61,715 83, , , , , ,603 69,904 95, , , , , ,759 81, , , , , , ,916 92, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,005 >80 120, , , , , , ,051 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,033 29,167 35,751 42,852 50,229 54,512 70, ,427 29,644 36,704 43,994 51,566 55,962 71, ,821 30,121 37,657 45,136 52,903 57,413 73, ,638 34,754 44,019 52,761 61,841 67,114 86, ,455 39,388 50,381 60,386 70,779 76,815 98, ,718 43,349 55,923 67,029 78,566 85, , ,982 47,310 61,465 73,672 86,353 93, , ,008 52,196 68,604 82,230 96, , , ,035 57,081 75,744 90, , , , ,784 65,271 87, , , , , ,532 73,460 99, , , , , ,690 84, , , , , , ,848 95, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,897 >80 123, , , , , , ,943 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C ,929 35,107 42,472 50,910 59,672 64,763 83, ,323 35,584 43,425 52,051 61,009 66,214 85, ,717 36,061 44,378 53,193 62,346 67,664 86, ,534 40,694 50,741 60,818 71,285 77,366 99,466 WALK FOR HEALTH

15 ,351 45,328 57,103 68,444 80,223 87, , ,615 49,289 62,644 75,086 88,010 95, , ,878 53,250 68,186 81,729 95, , , ,905 58,135 75,326 90, , , , ,931 63,021 82,465 98, , , , ,680 71,211 94, , , , , ,429 79, , , , , , ,587 90, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,073 >80 128, , , , , , ,119 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C ,826 41,047 49,194 58,967 69,116 75,014 96, ,220 41,524 50,147 60,109 70,453 76,465 98, ,614 42,001 51,100 61,251 71,790 77, , ,431 46,634 57,462 68,876 80,728 87, , ,248 51,268 63,824 76,501 89,667 97, , ,511 55,229 69,366 83,144 97, , , ,775 59,190 74,907 89, , , , ,801 64,075 82,047 98, , , , ,828 68,961 89, , , , , ,577 77, , , , , , ,325 85, , , , , , ,483 96, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,250 >80 133, , , , , , ,296 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A ,992 21,834 28,551 34,223 40,113 43,533 55, ,734 23,949 31,615 37,895 44,418 48,204 61, ,476 26,063 34,679 41,567 48,722 52,874 67, ,016 31,571 42,453 50,885 59,643 64,728 83, ,555 37,078 50,226 60,203 70,563 76,582 98, ,536 41,913 57,174 68,529 80,322 87, , ,517 46,747 64,121 76,855 90,081 97, , ,819 53,180 73,549 88, , , , ,122 59,613 82,976 99, , , , ,637 69,947 98, , , , , ,151 80, , , , , ,354 WALK MORE EARN MORE

16 65 78,640 95, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,809 >80 158, , , , , , ,073 Age Group (Years) 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C ,719 26,358 33,673 40,357 47,306 51,340 66, ,311 28,289 36,528 43,782 51,319 55,695 71, ,904 30,221 39,384 47,207 55,333 60,050 77, ,592 35,913 47,365 56,773 66,544 72,219 92, ,280 41,604 55,346 66,339 77,756 84, , ,413 46,619 62,498 74,913 87,807 95, , ,547 51,634 69,651 83,487 97, , , ,885 58,114 79,132 94, , , , ,224 64,593 88, , , , , ,740 74, , , , , , ,255 85, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,858 >80 163, , , , , , ,123 Age Group (Years) 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C ,510 32,173 40,255 48,249 56,553 61,375 78, ,909 33,870 42,845 51,354 60,192 65,325 83, ,307 35,568 45,435 54,459 63,831 69,275 89, ,190 41,493 53,681 64,344 75,417 81, , ,074 47,419 61,927 74,229 87,003 94, , ,400 52,669 69,347 83,120 97, , , ,727 57,919 76,767 92, , , , ,113 64,459 86, , , , , ,500 70,998 95, , , , , ,015 81, , , , , , ,530 91, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,064 >80 168, , , , , , ,328 EVERY STEP COUNTS

17 Age Group (Years) 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C ,367 39,281 48,299 57,889 67,854 73,639 94, ,530 40,691 50,565 60,606 71,037 77,095 99, ,692 42,101 52,831 63,322 74,220 80, , ,811 48,314 61,401 73,597 86,262 93, , ,931 54,527 69,972 83,871 98, , , ,494 60,065 77,717 93, , , , ,058 65,604 85, , , , , ,504 72,214 95, , , , , ,951 78, , , , , , ,464 89, , , , , , ,978 99, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,426 >80 174, , , , , , ,691 Age Group (Years) 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C ,264 45,221 55,020 65,946 77,298 83, , ,426 46,631 57,286 68,663 80,481 87, , ,589 48,041 59,552 71,380 83,663 90, , ,708 54,254 68,123 81,654 95, , , ,827 60,467 76,693 91, , , , ,391 66,005 84, , , , , ,954 71,543 92, , , , , ,401 78, , , , , , ,847 84, , , , , , ,361 95, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,603 >80 179, , , , , , ,868 Optima Restore (OR) - Individual Premium inclusive of GST (Rest of India) Age Group (Years) 1A 1A 1A 1A 1A 1A 1A ,728 12,342 14,228 17,052 20,560 22,313 28, ,675 13,544 16,933 20,296 24,470 26,556 34, ,622 14,745 19,639 23,539 28,379 30,799 39, ,386 15,716 21,153 25,353 30,567 33,173 42,651 WALK FOR HEALTH

18 ,152 16,686 22,667 27,170 32,754 35,549 45, ,196 20,547 28,196 33,796 40,744 44,219 56, ,239 24,408 33,726 40,423 48,735 52,890 68, ,782 27,636 38,464 46,104 55,583 60,323 77, ,325 30,863 43,205 51,784 62,431 67,756 87, ,863 35,353 49,931 59,846 72,151 78, , ,403 39,842 56,655 67,908 81,870 88, , ,667 46,520 66,749 80,006 96, , , ,931 53,200 76,844 92, , , , ,895 63,303 91, , , , , ,858 73, , , , , , ,879 81, , , , , , ,900 88, , , , , , ,890 97, , , , , , , , , , , , , , , , , , , ,428 >80 96, , , , , , ,092 Two Year Floater Premium inclusive of GST (Rest of India) Age Group (Years) 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,993 19,020 24,570 29,448 35,504 38,529 49, ,622 19,819 25,884 31,023 37,404 40,592 52, ,251 20,617 27,199 32,600 39,303 42,655 54, ,431 24,651 32,927 39,465 47,580 51,637 66, ,610 28,686 38,654 46,330 55,856 60,620 77, ,289 32,085 43,593 52,250 62,993 68,364 87, ,968 35,485 48,530 58,170 70,130 76,110 97, ,541 40,017 55,308 66,292 79,923 86, , ,116 44,551 62,085 74,414 89,714 97, , ,308 51,139 72,073 86, , , , ,501 57,727 82,061 98, , , , ,463 67,831 97, , , , , ,427 77, , , , , , ,448 85, , , , , , ,469 93, , , , , , , , , , , , , , , , , , , , , , , , , , ,951 >80 100, , , , , , ,614 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,327 24,519 30,905 37,045 44,662 48,471 62, ,780 25,096 31,965 38,313 46,192 50,131 64, ,233 25,673 33,025 39,583 47,722 51,790 66, ,588 29,928 39,008 46,756 56,370 61,176 78, ,944 34,185 44,993 53,930 65,018 70,562 90, ,799 37,805 50,188 60,155 72,523 78, ,193 WALK MORE EARN MORE

19 ,652 41,426 55,382 66,382 80,029 86, , ,268 46,016 62,223 74,580 89,914 97, , ,885 50,605 69,063 82,778 99, , , ,988 57,078 78,917 94, , , , ,089 63,549 88, , , , , ,051 73, , , , , , ,014 83, , , , , , ,034 91, , , , , , ,056 99, , , , , , , , , , , , , , , , , , , , , , , , , , ,481 >80 104, , , , , , ,144 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,733 27,575 34,428 41,266 49,750 53,993 69, ,091 28,027 35,345 42,364 51,074 55,429 71, ,447 28,479 36,261 43,463 52,399 56,867 73, ,899 32,859 42,388 50,806 61,253 66,475 85, ,350 37,240 48,515 58,149 70,105 76,083 97, ,303 40,985 53,850 64,546 77,817 84, , ,254 44,730 59,188 70,943 85,530 92, , ,895 49,349 66,063 79,184 95, , , ,537 53,967 72,938 87, , , , ,586 60,375 82,719 99, , , , ,636 66,782 92, , , , , ,600 76, , , , , , ,564 86, , , , , , ,584 94, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,998 >80 107, , , , , , ,660 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C ,161 33,192 40,900 49,025 59,103 64,146 82, ,517 33,644 41,817 50,124 60,428 65,583 84, ,873 34,096 42,734 51,223 61,753 67,019 86, ,326 38,476 48,860 58,566 70,605 76,628 98, ,778 42,856 54,987 65,910 79,459 86, , ,729 46,602 60,324 72,307 87,171 94, , ,681 50,347 65,660 78,702 94, , , ,323 54,966 72,536 86, , , , ,964 59,584 79,412 95, , , , ,928 65,884 89, , , , , ,894 72,183 98, , , , , ,858 82, , , , , , ,820 92, , , , , , , , , , , , ,153 EVERY STEP COUNTS

20 , , , , , , , , , , , , , , , , , , , , , , , , , , , ,547 >80 111, , , , , , ,211 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C ,588 38,809 47,372 56,785 68,457 74,299 95, ,944 39,261 48,289 57,884 69,782 75,736 97, ,301 39,713 49,207 58,983 71,107 77,173 99, ,753 44,093 55,334 66,327 79,959 86, , ,205 48,473 61,460 73,670 88,813 96, , ,156 52,219 66,796 80,067 96, , , ,107 55,964 72,132 86, , , , ,750 60,582 79,008 94, , , , ,391 65,201 85, , , , , ,271 71,392 95, , , , , ,150 77, , , , , , ,114 87, , , , , , ,078 97, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,097 >80 115, , , , , , ,760 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A ,271 20,644 27,494 32,956 39,731 43,118 55, ,848 22,643 30,444 36,492 43,994 47,745 61, ,423 24,642 33,394 40,028 48,258 52,372 67, ,527 29,849 40,881 49,001 59,074 64,112 82, ,632 35,055 48,367 57,972 69,891 75,852 97, ,232 39,626 55,056 65,990 79,558 86, , ,834 44,197 61,746 74,008 89,223 96, , ,628 50,279 70,824 84, , , , ,423 56,360 79,901 95, , , , ,974 64,671 92, , , , , ,523 72, , , , , , ,382 86, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,199 >80 138, , , , , , ,402 WALK FOR HEALTH