SHORT WALKS. BIG BENEFITS.

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

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

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

Basic Sum Insured per Insured Person per Policy Year (Rs. in Lakh) 3.00 5.00 10.00 15.00 20.00, 25.00, 50.00 1a) 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. 1500 Upto Rs. 2000 Upto Rs. 4000 Upto Rs. 5000 RESTORE FAMILY Basic Sum Insured per Policy per Policy Year (Rs. in Lakh) 3.00 5.00 10.00 15.00 20.00, 25.00, 50.00 1a) 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. 2500 Upto Rs. 5000 Upto Rs. 8000 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

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

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 8000 2% 8001 to 10000 5% Above 10000 8% 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

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 15,656 18-35 6,947 8,431 11,024 13,212 15,488 16,808 21,611 36-45 7,861 9,540 12,724 15,250 17,875 19,400 24,943 46-50 11,499 13,955 18,931 22,690 26,596 28,864 37,111 51-55 14,539 17,645 24,251 29,068 34,071 36,976 47,541 56-60 18,770 22,779 31,802 38,119 44,680 48,490 62,344 61-65 26,065 31,632 44,860 53,769 63,024 68,398 87,941 66-70 35,966 43,648 62,344 74,726 87,588 95,057 122,216 71-75 43,451 52,732 76,068 91,176 106,869 115,981 149,119 76-80 52,142 63,278 92,291 110,620 129,660 140,716 180,920 > 80 59,962 72,769 108,309 129,819 152,165 165,139 212,322 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 18-35 8,962 10,875 13,792 16,531 19,376 21,028 27,035 36-45 9,714 11,787 15,267 18,299 21,450 23,278 29,930 46-50 13,515 16,401 21,698 26,007 30,483 33,082 42,535 51-55 16,717 20,288 27,241 32,653 38,273 41,536 53,403 56-60 20,989 25,470 34,850 41,771 48,961 53,135 68,317 61-65 28,283 34,324 47,906 57,421 67,304 73,043 93,913 66-70 38,185 46,340 65,391 78,378 91,868 99,703 128,188 71-75 45,670 55,423 79,114 94,828 111,149 120,627 155,092 76-80 54,359 65,969 95,338 114,271 133,939 145,361 186,893 > 80 62,180 75,462 111,355 133,472 156,444 169,785 218,294 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 18-35 11,552 14,018 17,348 20,794 24,374 26,453 34,009 36-45 12,094 14,678 18,538 22,219 26,044 28,265 36,340 46-50 16,105 19,544 25,256 30,272 35,483 38,508 49,509 51-55 19,516 23,685 31,088 37,262 43,675 47,399 60,941 56-60 23,840 28,932 38,768 46,466 54,464 59,107 75,997 61-65 31,137 37,786 51,823 62,115 72,807 79,016 101,592 66-70 41,036 49,802 69,308 83,073 97,371 105,675 135,868 71-75 48,520 58,886 83,032 99,524 116,652 126,600 162,772 76-80 57,211 69,431 99,255 118,966 139,443 151,334 194,573 > 80 65,033 78,922 115,273 138,166 161,948 175,757 225,974 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 18-35 12,991 15,766 19,325 23,163 27,151 29,466 37,885 36-45 13,417 16,282 20,355 24,398 28,596 31,034 39,902 46-50 17,543 21,291 27,233 32,641 38,259 41,522 53,384 51-55 21,071 25,573 33,224 39,823 46,677 50,656 65,129 56-60 25,424 30,855 40,942 49,075 57,521 62,426 80,262 61-65 32,720 39,708 54,000 64,724 75,866 82,335 105,858 66-70 42,620 51,724 71,484 85,682 100,430 108,992 140,133 EVERY STEP COUNTS

71-75 50,106 60,808 85,208 102,131 119,710 129,918 167,037 76-80 58,796 71,353 101,430 121,575 142,502 154,652 198,838 > 80 66,617 80,847 117,449 140,775 165,005 179,076 230,239 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 18-35 15,637 18,977 22,958 27,519 32,255 35,007 45,008 36-45 16,063 19,492 23,988 28,753 33,701 36,575 47,024 46-50 20,190 24,502 30,866 36,997 43,364 47,063 60,507 51-55 23,718 28,784 36,857 44,178 51,782 56,198 72,251 56-60 28,071 34,065 44,576 53,430 62,626 67,967 87,385 61-65 35,367 42,919 57,634 69,080 80,970 87,876 112,980 66-70 45,267 54,935 75,118 90,038 105,534 114,533 147,256 71-75 52,753 64,019 88,841 106,487 124,815 135,459 174,160 76-80 61,443 74,564 105,064 125,931 147,606 160,193 205,961 >80 69,264 84,057 121,082 145,131 170,110 184,617 237,362 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 18-35 18,284 22,188 26,591 31,874 37,360 40,548 52,130 36-45 18,710 22,703 27,621 33,108 38,805 42,117 54,147 46-50 22,837 27,712 34,500 41,352 48,469 52,604 67,629 51-55 26,365 31,995 40,491 48,533 56,887 61,739 79,374 56-60 30,718 37,276 48,209 57,786 67,731 73,508 94,507 61-65 38,014 46,130 61,267 73,435 86,075 93,417 120,103 66-70 47,914 58,146 78,751 94,393 110,639 120,074 154,378 71-75 55,400 67,229 92,474 110,842 129,919 141,001 181,282 76-80 64,089 77,775 108,697 130,286 152,711 165,735 213,083 >80 71,910 87,268 124,715 149,486 175,215 190,158 244,484 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A 18-35 9,726 11,802 15,433 18,499 21,683 23,532 30,255 36-45 11,609 14,088 18,745 22,468 26,336 28,581 36,748 46-50 16,516 20,042 27,149 32,542 38,142 41,396 53,223 51-55 20,820 25,269 34,660 41,543 48,693 52,845 67,944 56-60 26,552 32,223 44,852 53,760 63,012 68,385 87,923 61-65 35,758 43,395 61,312 73,488 86,138 93,483 120,191 66-70 49,259 59,781 85,216 102,142 119,722 129,930 167,055 71-75 61,192 74,262 106,863 128,088 150,135 162,936 209,490 76-80 73,987 89,790 130,575 156,508 183,445 199,087 255,970 > 80 85,945 104,304 154,435 185,105 216,965 235,465 302,742 Age Group (Years) 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 18-35 11,740 14,247 18,202 21,815 25,571 27,751 35,680 36-45 13,461 16,336 21,288 25,518 29,909 32,459 41,733 46-50 18,530 22,488 29,917 35,859 42,030 45,615 58,648 51-55 22,998 27,911 37,649 45,128 52,896 57,406 73,808 56-60 28,770 34,915 47,899 57,411 67,293 73,030 93,896 WALK FOR HEALTH

61-65 37,976 46,087 64,358 77,140 90,418 98,128 126,163 66-70 51,478 62,473 88,264 105,793 124,003 134,577 173,027 71-75 63,411 76,955 109,911 131,740 154,414 167,582 215,462 76-80 76,206 92,481 133,621 160,159 187,726 203,733 261,942 > 80 88,165 106,995 157,480 188,758 221,245 240,112 308,715 Age Group (Years) 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 18-35 14,330 17,391 21,759 26,080 30,569 33,176 42,653 36-45 15,842 19,226 24,559 29,437 34,503 37,446 48,145 46-50 21,121 25,632 33,474 40,124 47,029 51,040 65,622 51-55 25,798 31,308 41,496 49,736 58,298 63,268 81,346 56-60 31,622 38,377 51,815 62,106 72,795 79,002 101,574 61-65 40,827 49,547 68,276 81,835 95,921 104,100 133,843 66-70 54,331 65,934 92,182 110,488 129,505 140,549 180,705 71-75 66,263 80,415 113,829 136,435 159,918 173,554 223,142 76-80 79,058 95,943 137,538 164,854 193,229 209,706 269,622 > 80 91,017 110,456 161,398 193,453 226,750 246,084 316,393 Age Group (Years) 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 18-35 17,496 21,233 26,108 31,291 36,678 39,805 51,178 36-45 18,753 22,757 28,557 34,228 40,119 43,541 55,980 46-50 24,287 29,474 37,823 45,336 53,138 57,669 74,146 51-55 29,220 35,461 46,196 55,370 64,900 70,434 90,559 56-60 35,109 42,607 56,602 67,844 79,521 86,303 110,960 61-65 44,313 53,777 73,064 87,574 102,647 111,400 143,228 66-70 57,815 70,165 96,969 116,226 136,232 147,848 190,091 71-75 69,749 84,646 118,616 142,173 166,644 180,854 232,527 76-80 82,543 100,174 142,326 170,593 199,955 217,006 279,006 > 80 94,501 114,687 166,185 199,191 233,476 253,384 325,779 Age Group (Years) 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 18-35 20,143 24,444 29,741 35,647 41,783 45,346 58,300 36-45 21,399 25,968 32,190 38,584 45,224 49,082 63,103 46-50 26,934 32,685 41,456 49,691 58,242 63,210 81,269 51-55 31,867 38,672 49,829 59,726 70,005 75,975 97,682 56-60 37,755 45,818 60,235 72,199 84,626 91,844 118,083 61-65 46,959 56,988 76,698 91,929 107,752 116,942 150,351 66-70 60,462 73,376 100,602 120,582 141,337 153,389 197,213 71-75 72,395 87,857 122,249 146,529 171,749 186,395 239,650 76-80 85,190 103,385 145,959 174,948 205,059 222,547 286,129 >80 97,148 117,897 169,819 203,546 238,581 258,925 332,902 WALK MORE EARN MORE

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 15,506 18-35 6,282 7,971 10,615 12,724 15,340 16,649 21,405 36-45 7,110 9,020 12,252 14,686 17,705 19,215 24,704 46-50 10,399 13,194 18,230 21,850 26,344 28,589 36,757 51-55 13,149 16,683 23,353 27,991 33,747 36,625 47,088 56-60 16,974 21,536 30,625 36,706 44,254 48,027 61,751 61-65 22,665 28,757 41,537 49,787 60,023 65,141 83,753 66-70 31,275 39,680 57,726 69,190 83,417 90,531 116,396 71-75 37,784 47,938 70,433 84,422 101,780 110,459 142,018 76-80 45,340 57,525 85,454 102,426 123,486 134,015 172,305 > 80 52,141 66,154 100,286 120,203 144,918 157,275 202,212 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 18-35 8,104 10,281 13,281 15,918 19,192 20,827 26,778 36-45 8,784 11,144 14,702 17,621 21,245 23,057 29,644 46-50 12,221 15,505 20,894 25,043 30,193 32,767 42,130 51-55 15,118 19,181 26,233 31,443 37,909 41,141 52,895 56-60 18,981 24,081 33,559 40,224 48,494 52,629 67,667 61-65 24,595 31,204 44,357 53,167 64,099 69,565 89,440 66-70 33,204 42,127 60,547 72,572 87,493 94,955 122,084 71-75 39,713 50,385 73,254 87,804 105,857 114,882 147,707 76-80 47,268 59,972 88,276 105,807 127,562 138,439 177,994 > 80 54,070 68,602 103,107 123,585 148,995 161,700 207,899 SI in INR 300,000 500,000 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 18-35 10,448 13,254 16,706 20,025 24,142 26,201 33,685 36-45 10,936 13,877 17,851 21,396 25,796 27,994 35,994 46-50 14,565 18,478 24,321 29,151 35,145 38,141 49,037 51-55 17,649 22,393 29,937 35,883 43,259 46,947 60,361 56-60 21,560 27,355 37,332 44,744 53,945 58,545 75,272 61-65 27,075 34,351 47,985 57,514 69,340 75,253 96,754 66-70 35,683 45,274 64,174 76,919 92,735 100,642 129,398 71-75 42,192 53,532 76,882 92,151 111,097 120,571 155,020 76-80 49,749 63,119 91,902 110,154 132,803 144,128 185,307 > 80 56,550 71,748 106,735 127,932 154,237 167,388 215,213 SI in INR 300,000 500,000 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 18-35 11,748 14,906 18,610 22,306 26,892 29,185 37,524 36-45 12,133 15,394 19,601 23,494 28,324 30,739 39,522 46-50 15,865 20,130 26,224 31,433 37,895 41,125 52,876 51-55 19,056 24,178 31,993 38,348 46,232 50,174 64,509 56-60 22,992 29,172 39,426 47,257 56,974 61,831 79,498 61-65 28,452 36,099 50,000 59,930 72,253 78,413 100,817 66-70 37,061 47,022 66,190 79,335 95,647 103,802 133,460 EVERY STEP COUNTS

71-75 43,570 55,279 78,896 94,566 114,009 123,731 159,083 76-80 51,127 64,867 93,917 112,570 135,715 147,288 189,370 > 80 57,927 73,496 108,749 130,348 157,148 170,548 219,276 SI in INR 300,000 500,000 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 18-35 14,141 17,942 22,108 26,500 31,947 34,673 44,579 36-45 14,526 18,430 23,100 27,688 33,380 36,227 46,577 46-50 18,258 23,166 29,723 35,627 42,951 46,614 59,931 51-55 21,449 27,214 35,492 42,543 51,289 55,662 71,565 56-60 25,385 32,208 42,925 51,452 62,030 67,319 86,553 61-65 30,753 39,018 53,364 63,963 77,114 83,690 107,601 66-70 39,362 49,941 69,554 83,368 100,509 109,079 140,244 71-75 45,871 58,199 82,260 98,600 118,871 129,008 165,867 76-80 53,428 67,786 97,282 116,603 140,577 152,565 196,154 > 80 60,228 76,416 112,113 134,381 162,009 175,825 226,060 SI in INR 300,000 500,000 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 18-35 16,534 20,978 25,607 30,694 37,004 40,161 51,634 36-45 16,919 21,467 26,598 31,882 38,436 41,715 53,632 46-50 20,651 26,202 33,222 39,821 48,007 52,102 66,986 51-55 23,842 30,250 38,991 46,736 56,345 61,150 78,620 56-60 27,778 35,244 46,424 55,646 67,087 72,807 93,608 61-65 33,054 41,937 56,729 67,996 81,976 88,967 114,384 66-70 41,663 52,860 72,918 87,401 105,370 114,356 147,028 71-75 48,172 61,118 85,624 102,633 123,732 134,285 172,651 76-80 55,729 70,706 100,646 120,636 145,439 157,842 202,938 > 80 62,529 79,335 115,477 138,414 166,871 181,102 232,844 SI in INR 300,000 500,000 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 18-35 8,796 11,159 14,861 17,814 21,476 23,307 29,967 36-45 10,498 13,320 18,050 21,636 26,085 28,309 36,397 46-50 14,936 18,950 26,144 31,336 37,779 41,000 52,715 51-55 18,829 23,890 33,376 40,004 48,229 52,341 67,298 56-60 24,013 30,465 43,190 51,768 62,411 67,733 87,086 61-65 31,093 39,450 56,770 68,045 82,036 89,031 114,468 66-70 42,834 54,346 78,904 94,576 114,021 123,743 159,099 71-75 53,211 67,511 98,948 118,599 142,985 155,177 199,514 76-80 64,337 81,627 120,903 144,915 174,710 189,607 243,781 > 80 74,735 94,821 142,995 171,394 206,633 224,253 288,326 SI in INR 300,000 500,000 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 18-35 10,616 13,470 17,527 21,008 25,328 27,487 35,340 36-45 12,174 15,444 20,500 24,572 29,625 32,150 41,335 46-50 16,757 21,261 28,809 34,532 41,630 45,181 58,089 51-55 20,799 26,388 36,256 43,456 52,392 56,858 73,105 WALK FOR HEALTH

56-60 26,018 33,011 46,124 55,284 66,651 72,335 93,002 61-65 33,022 41,897 59,591 71,427 86,112 93,455 120,156 66-70 44,763 56,793 81,726 97,957 118,098 128,168 164,787 71-75 55,140 69,959 101,769 121,981 147,061 159,602 205,202 76-80 66,265 84,074 123,723 148,295 178,787 194,031 249,469 > 80 76,665 97,269 145,815 174,776 210,710 228,678 294,015 SI in INR 300,000 500,000 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 18-35 12,959 16,442 20,953 25,115 30,278 32,859 42,248 36-45 14,326 18,177 23,650 28,347 34,175 37,090 47,686 46-50 19,101 24,234 32,235 38,637 46,581 50,554 64,998 51-55 23,330 29,600 39,958 47,894 57,742 62,666 80,570 56-60 28,597 36,284 49,895 59,805 72,102 78,251 100,607 61-65 35,501 45,043 63,219 75,774 91,353 99,142 127,470 66-70 47,244 59,939 85,353 102,304 123,338 133,856 172,101 71-75 57,619 73,105 105,396 126,328 152,303 165,290 212,516 76-80 68,746 87,221 127,350 152,642 184,027 199,720 256,782 > 80 79,145 100,414 149,442 179,123 215,952 234,366 301,327 SI in INR 300,000 500,000 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 18-35 15,823 20,074 25,140 30,132 36,329 39,426 50,690 36-45 16,959 21,516 27,499 32,960 39,737 43,127 55,447 46-50 21,963 27,866 36,422 43,656 52,633 57,120 73,441 51-55 26,425 33,527 44,485 53,319 64,282 69,764 89,697 56-60 31,750 40,283 54,507 65,331 78,764 85,480 109,903 61-65 38,533 48,889 67,652 81,087 97,759 106,095 136,408 66-70 50,274 63,786 89,786 107,617 129,745 140,808 181,039 71-75 60,651 76,951 109,830 131,642 158,709 172,242 221,454 76-80 71,777 91,067 131,784 157,956 190,433 206,672 265,721 > 80 82,175 104,260 153,876 184,436 222,358 241,318 310,266 SI in INR 300,000 500,000 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 18-35 18,216 23,110 28,639 34,327 41,385 44,914 57,746 36-45 19,352 24,552 30,997 37,155 44,793 48,615 62,502 46-50 24,356 30,902 39,921 47,851 57,688 62,608 80,496 51-55 28,818 36,563 47,984 57,514 69,338 75,252 96,752 56-60 34,143 43,319 58,005 69,526 83,820 90,969 116,958 61-65 40,834 51,808 71,016 85,120 102,621 111,372 143,192 66-70 52,575 66,705 93,150 111,650 134,606 146,085 187,823 71-75 62,952 79,871 113,194 135,675 163,570 177,519 228,238 76-80 74,078 93,986 135,148 161,989 195,295 211,949 272,504 > 80 84,476 107,179 157,240 188,470 227,220 246,595 317,049 WALK MORE EARN MORE

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 0-16 10,758 13,054 14,775 17,708 20,758 22,526 28,964 17 11,805 14,326 17,584 21,076 24,705 26,811 34,472 18-34 12,851 15,598 20,394 24,443 28,652 31,095 39,979 35 13,697 16,624 21,966 26,328 30,860 33,493 43,062 36-44 14,543 17,650 23,539 28,213 33,068 35,891 46,144 45 17,908 21,733 29,281 35,095 41,135 44,645 57,400 46-49 21,273 25,816 35,022 41,977 49,203 53,398 68,655 50 24,085 29,229 39,943 47,876 56,117 60,902 78,303 51-54 26,897 32,642 44,865 53,776 63,032 68,406 87,951 55 30,811 37,392 51,850 62,148 72,845 79,056 101,644 56-59 34,725 42,141 58,834 70,520 82,657 89,706 115,337 60 41,473 50,330 70,913 84,996 99,626 108,121 139,013 61-64 48,220 58,520 82,991 99,473 116,594 126,535 162,690 65 57,379 69,634 99,164 118,858 139,316 151,196 194,395 66-69 66,538 80,749 115,337 138,243 162,038 175,856 226,100 70 73,461 89,152 128,031 153,459 179,873 195,210 250,985 71-74 80,385 97,554 140,725 168,676 197,708 214,565 275,870 75 88,424 107,309 155,732 186,662 218,789 237,445 305,286 76-79 96,462 117,063 170,739 204,648 239,870 260,325 334,702 80 103,696 125,843 185,555 222,406 260,687 282,916 363,749 >80 110,929 134,623 200,371 240,165 281,504 305,506 392,796 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 18-34 16,580 20,119 25,515 30,582 35,845 38,901 50,015 35 17,275 20,962 26,879 32,218 37,764 40,983 52,692 36-44 17,970 21,806 28,244 33,854 39,683 43,064 55,370 45 21,486 26,074 34,192 40,984 48,038 52,133 67,030 46-49 25,002 30,342 40,141 48,113 56,393 61,203 78,691 50 27,964 33,937 45,269 54,261 63,600 69,022 88,743 51-54 30,927 37,532 50,397 60,408 70,806 76,842 98,796 55 34,878 42,326 57,435 68,842 80,691 87,571 112,591 56-59 38,829 47,120 64,473 77,276 90,577 98,300 126,387 60 45,577 55,310 76,549 91,753 107,544 116,715 150,063 61-64 52,324 63,499 88,625 106,229 124,512 135,130 173,738 65 61,483 74,614 104,799 125,614 147,234 159,790 205,443 66-69 70,642 85,729 120,973 144,999 169,955 184,450 237,148 70 77,565 94,131 133,667 160,216 187,790 203,805 262,034 71-74 84,489 102,533 146,361 175,432 205,626 223,159 286,920 75 92,526 112,288 161,368 193,417 226,707 246,038 316,336 76-79 100,564 122,043 176,375 211,402 247,788 268,917 345,752 80 107,799 130,824 191,192 229,163 268,605 291,510 374,798 >80 115,033 139,605 206,008 246,923 289,422 314,103 403,844 EVERY STEP COUNTS

Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 18-34 21,372 25,934 32,094 38,469 45,092 48,938 62,916 35 21,873 26,544 33,195 39,787 46,637 50,614 65,073 36-44 22,374 27,154 34,295 41,106 48,181 52,289 67,230 45 26,084 31,656 40,509 48,554 56,912 61,765 79,411 46-49 29,794 36,157 46,723 56,003 65,643 71,240 91,592 50 32,949 39,987 52,118 62,469 73,221 79,464 102,167 51-54 36,105 43,817 57,513 68,935 80,799 87,689 112,741 55 40,104 48,671 64,617 77,448 90,779 98,519 126,667 56-59 44,103 53,525 71,720 85,962 100,759 109,349 140,594 60 50,853 61,715 83,797 100,438 117,726 127,764 164,270 61-64 57,603 69,904 95,873 114,913 134,693 146,180 187,945 65 66,759 81,019 112,047 134,299 157,415 170,839 219,650 66-69 75,916 92,134 128,221 153,685 180,137 195,499 251,355 70 82,839 100,536 140,915 168,902 197,972 214,854 276,241 71-74 89,763 108,938 153,609 184,119 215,807 234,210 301,127 75 97,802 118,693 168,615 202,103 236,888 257,089 330,543 76-79 105,841 128,448 183,621 220,088 257,969 279,968 359,959 80 113,076 137,227 198,438 237,848 278,787 302,559 389,005 >80 120,312 146,006 213,255 255,607 299,604 325,151 418,051 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 18-34 24,033 29,167 35,751 42,852 50,229 54,512 70,087 35 24,427 29,644 36,704 43,994 51,566 55,962 71,953 36-44 24,821 30,121 37,657 45,136 52,903 57,413 73,818 45 28,638 34,754 44,019 52,761 61,841 67,114 86,290 46-49 32,455 39,388 50,381 60,386 70,779 76,815 98,761 50 35,718 43,349 55,923 67,029 78,566 85,265 109,625 51-54 38,982 47,310 61,465 73,672 86,353 93,714 120,489 55 43,008 52,196 68,604 82,230 96,384 104,601 134,487 56-59 47,035 57,081 75,744 90,789 106,415 115,487 148,485 60 53,784 65,271 87,822 105,264 123,383 133,903 172,161 61-64 60,532 73,460 99,901 119,740 140,352 152,319 195,837 65 69,690 84,575 116,073 139,126 163,073 176,977 227,542 66-69 78,848 95,690 132,246 158,512 185,795 201,635 259,247 70 85,772 104,092 144,940 173,728 203,629 220,992 284,133 71-74 92,697 112,494 157,634 188,943 221,463 240,348 309,019 75 100,735 122,249 172,640 206,929 242,545 263,227 338,435 76-79 108,772 132,004 187,646 224,914 263,628 286,106 367,851 80 116,007 140,785 202,463 242,674 284,444 308,698 396,897 >80 123,241 149,566 217,281 260,434 305,260 331,290 425,943 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 18-34 28,929 35,107 42,472 50,910 59,672 64,763 83,264 35 29,323 35,584 43,425 52,051 61,009 66,214 85,129 36-44 29,717 36,061 44,378 53,193 62,346 67,664 86,995 45 33,534 40,694 50,741 60,818 71,285 77,366 99,466 WALK FOR HEALTH

46-49 37,351 45,328 57,103 68,444 80,223 87,067 111,938 50 40,615 49,289 62,644 75,086 88,010 95,516 122,801 51-54 43,878 53,250 68,186 81,729 95,797 103,965 133,665 55 47,905 58,135 75,326 90,288 105,827 114,852 147,664 56-59 51,931 63,021 82,465 98,846 115,858 125,739 161,662 60 58,680 71,211 94,544 113,322 132,827 144,154 185,338 61-64 65,429 79,400 106,622 127,797 149,795 162,570 209,014 65 74,587 90,515 122,795 147,183 172,517 187,228 240,718 66-69 83,744 101,630 138,968 166,569 195,239 211,886 272,423 70 90,669 110,032 151,662 181,785 213,073 231,243 297,309 71-74 97,593 118,434 164,356 197,000 230,907 250,600 322,196 75 105,631 128,189 179,362 214,986 251,989 273,479 351,611 76-79 113,669 137,944 194,368 232,972 273,071 296,358 381,027 80 120,903 146,725 209,185 250,732 293,887 318,949 410,073 >80 128,138 155,506 224,002 268,492 314,703 341,541 439,119 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 18-34 33,826 41,047 49,194 58,967 69,116 75,014 96,441 35 34,220 41,524 50,147 60,109 70,453 76,465 98,306 36-44 34,614 42,001 51,100 61,251 71,790 77,916 100,171 45 38,431 46,634 57,462 68,876 80,728 87,617 112,643 46-49 42,248 51,268 63,824 76,501 89,667 97,318 125,114 50 45,511 55,229 69,366 83,144 97,453 105,767 135,978 51-54 48,775 59,190 74,907 89,787 105,240 114,217 146,842 55 52,801 64,075 82,047 98,345 115,271 125,103 160,840 56-59 56,828 68,961 89,186 106,904 125,302 135,990 174,839 60 63,577 77,150 101,265 121,379 142,270 154,406 198,514 61-64 70,325 85,340 113,344 135,855 159,239 172,822 222,190 65 79,483 96,455 129,516 155,241 181,961 197,480 253,895 66-69 88,641 107,570 145,689 174,627 204,682 222,138 285,600 70 95,565 115,972 158,383 189,842 222,516 241,494 310,486 71-74 102,490 124,374 171,077 205,058 240,350 260,851 335,372 75 110,527 134,129 186,083 223,044 261,433 283,730 364,788 76-79 118,565 143,884 201,089 241,029 282,515 306,609 394,204 80 125,800 152,665 215,906 258,789 303,331 329,201 423,250 >80 133,034 161,446 230,723 276,549 324,147 351,793 452,296 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A 18-34 17,992 21,834 28,551 34,223 40,113 43,533 55,972 35 19,734 23,949 31,615 37,895 44,418 48,204 61,978 36-44 21,476 26,063 34,679 41,567 48,722 52,874 67,983 45 26,016 31,571 42,453 50,885 59,643 64,728 83,223 46-49 30,555 37,078 50,226 60,203 70,563 76,582 98,462 50 34,536 41,913 57,174 68,529 80,322 87,173 112,080 51-54 38,517 46,747 64,121 76,855 90,081 97,763 125,697 55 43,819 53,180 73,549 88,155 103,327 112,137 144,177 56-59 49,122 59,613 82,976 99,455 116,572 126,511 162,658 60 57,637 69,947 98,201 117,704 137,963 149,728 192,506 61-64 66,151 80,280 113,426 135,953 159,355 172,944 222,354 WALK MORE EARN MORE

65 78,640 95,437 135,538 162,458 190,420 206,657 265,703 66-69 91,129 110,595 157,650 188,963 221,485 240,370 309,052 70 102,168 123,990 177,673 212,963 249,617 270,900 348,304 71-74 113,206 137,385 197,697 236,962 277,750 301,431 387,557 75 125,041 151,748 219,631 263,251 308,562 334,871 430,551 76-79 136,876 166,111 241,564 289,540 339,374 368,311 473,545 80 147,938 179,536 263,634 315,993 370,380 401,961 516,809 >80 158,999 192,962 285,704 342,445 401,386 435,611 560,073 Age Group (Years) 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 18-34 21,719 26,358 33,673 40,357 47,306 51,340 66,007 35 23,311 28,289 36,528 43,782 51,319 55,695 71,607 36-44 24,904 30,221 39,384 47,207 55,333 60,050 77,206 45 29,592 35,913 47,365 56,773 66,544 72,219 92,853 46-49 34,280 41,604 55,346 66,339 77,756 84,388 108,499 50 38,413 46,619 62,498 74,913 87,807 95,294 122,522 51-54 42,547 51,634 69,651 83,487 97,857 106,201 136,544 55 47,885 58,114 79,132 94,848 111,175 120,653 155,126 56-59 53,224 64,593 88,612 106,209 124,492 135,106 173,708 60 61,740 74,927 103,838 124,459 145,882 158,321 203,555 61-64 70,255 85,261 119,063 142,709 167,272 181,536 233,402 65 82,744 100,418 141,176 169,213 198,339 215,251 276,751 66-69 95,233 115,575 163,288 195,717 229,405 248,967 320,100 70 106,272 128,971 183,312 219,718 257,535 279,497 359,352 71-74 117,310 142,367 203,336 243,719 285,665 310,027 398,605 75 129,145 156,728 225,267 270,007 316,479 343,467 441,599 76-79 140,980 171,090 247,199 296,294 347,293 376,906 484,593 80 152,043 184,516 269,269 322,748 378,299 410,557 527,858 >80 163,105 197,941 291,339 349,201 409,304 444,208 571,123 Age Group (Years) 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C 2A +2C 18-34 26,510 32,173 40,255 48,249 56,553 61,375 78,909 35 27,909 33,870 42,845 51,354 60,192 65,325 83,989 36-44 29,307 35,568 45,435 54,459 63,831 69,275 89,069 45 34,190 41,493 53,681 64,344 75,417 81,849 105,235 46-49 39,074 47,419 61,927 74,229 87,003 94,423 121,401 50 43,400 52,669 69,347 83,120 97,427 105,735 135,945 51-54 47,727 57,919 76,767 92,011 107,851 117,046 150,489 55 53,113 64,459 86,313 103,453 121,261 131,600 169,201 56-59 58,500 70,998 95,858 114,896 134,671 146,154 187,913 60 67,015 81,330 111,084 133,146 156,063 169,369 217,761 61-64 75,530 91,662 126,311 151,395 177,454 192,584 247,609 65 88,021 106,820 148,423 177,899 208,519 226,300 290,957 66-69 100,512 121,977 170,536 204,403 239,584 260,015 334,305 70 111,549 135,372 190,560 228,404 267,717 290,545 373,558 71-74 122,586 148,767 210,583 252,405 295,849 321,076 412,812 75 134,421 163,131 232,515 278,693 326,661 354,516 455,806 76-79 146,257 177,495 254,446 304,980 357,473 387,956 498,800 80 157,319 190,920 276,516 331,434 388,480 421,606 542,064 >80 168,381 204,344 298,586 357,888 419,487 455,256 585,328 EVERY STEP COUNTS

Age Group (Years) 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 18-34 32,367 39,281 48,299 57,889 67,854 73,639 94,679 35 33,530 40,691 50,565 60,606 71,037 77,095 99,121 36-44 34,692 42,101 52,831 63,322 74,220 80,551 103,564 45 39,811 48,314 61,401 73,597 86,262 93,619 120,367 46-49 44,931 54,527 69,972 83,871 98,305 106,688 137,171 50 49,494 60,065 77,717 93,153 109,185 118,495 152,353 51-54 54,058 65,604 85,462 102,435 120,065 130,303 167,534 55 59,504 72,214 95,088 113,973 133,590 144,982 186,405 56-59 64,951 78,824 104,714 125,512 147,115 159,660 205,276 60 73,464 89,156 119,942 143,761 168,506 182,875 235,124 61-64 81,978 99,488 135,169 162,011 189,897 206,090 264,973 65 94,468 114,646 157,281 188,516 220,963 239,804 308,321 66-69 106,958 129,805 179,393 215,020 252,029 273,520 351,668 70 117,997 143,200 199,416 239,020 280,161 304,049 390,922 71-74 129,035 156,595 219,440 263,021 308,292 334,580 430,175 75 140,870 170,958 241,371 289,309 339,104 368,020 473,169 76-79 152,705 185,321 263,303 315,596 369,916 401,460 516,162 80 163,766 198,746 285,373 342,050 400,923 435,110 559,426 >80 174,828 212,170 307,443 368,503 431,931 468,760 602,691 Age Group (Years) 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 2A + 4C 18-34 37,264 45,221 55,020 65,946 77,298 83,891 107,855 35 38,426 46,631 57,286 68,663 80,481 87,346 112,298 36-44 39,589 48,041 59,552 71,380 83,663 90,802 116,740 45 44,708 54,254 68,123 81,654 95,706 103,870 133,544 46-49 49,827 60,467 76,693 91,928 107,749 116,939 150,348 50 54,391 66,005 84,438 101,210 118,629 128,747 165,529 51-54 58,954 71,543 92,184 110,493 129,509 140,555 180,711 55 64,401 78,154 101,810 122,031 143,033 155,233 199,582 56-59 69,847 84,764 111,436 133,569 156,558 169,912 218,453 60 78,361 95,096 126,663 151,819 177,949 193,127 248,301 61-64 86,875 105,428 141,891 170,069 199,341 216,342 278,149 65 99,365 120,587 164,002 196,573 230,407 250,056 321,497 66-69 111,855 135,745 186,114 223,076 261,473 283,770 364,845 70 122,893 149,140 206,137 247,077 289,604 314,301 404,098 71-74 133,931 162,535 226,161 271,078 317,736 344,831 443,352 75 145,767 176,898 248,092 297,366 348,548 378,271 486,345 76-79 157,602 191,261 270,024 323,654 379,360 411,712 529,338 80 168,663 204,686 292,094 350,107 410,367 445,361 572,603 >80 179,724 218,110 314,164 376,561 441,374 479,011 615,868 Optima Restore (OR) - Individual Premium inclusive of GST (Rest of India) Age Group (Years) 1A 1A 1A 1A 1A 1A 1A 0-16 9,728 12,342 14,228 17,052 20,560 22,313 28,688 17 10,675 13,544 16,933 20,296 24,470 26,556 34,143 18-34 11,622 14,745 19,639 23,539 28,379 30,799 39,598 35 12,386 15,716 21,153 25,353 30,567 33,173 42,651 WALK FOR HEALTH

36-44 13,152 16,686 22,667 27,170 32,754 35,549 45,704 45 16,196 20,547 28,196 33,796 40,744 44,219 56,852 46-49 19,239 24,408 33,726 40,423 48,735 52,890 68,001 50 21,782 27,636 38,464 46,104 55,583 60,323 77,557 51-54 24,325 30,863 43,205 51,784 62,431 67,756 87,112 55 27,863 35,353 49,931 59,846 72,151 78,304 100,675 56-59 31,403 39,842 56,655 67,908 81,870 88,852 114,238 60 36,667 46,520 66,749 80,006 96,456 104,680 134,591 61-64 41,931 53,200 76,844 92,105 111,043 120,510 154,942 65 49,895 63,303 91,818 110,054 132,682 143,997 185,138 66-69 57,858 73,408 106,792 128,003 154,320 167,482 215,333 70 63,879 81,046 118,546 142,092 171,307 185,915 239,033 71-74 69,900 88,684 130,302 156,180 188,293 204,349 262,733 75 76,890 97,553 144,196 172,835 208,370 226,138 290,748 76-79 83,879 106,422 158,091 189,489 228,449 247,927 318,764 80 90,170 114,403 171,809 205,932 248,273 269,444 346,428 >80 96,460 122,386 185,529 222,376 268,098 290,959 374,092 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 18-34 14,993 19,020 24,570 29,448 35,504 38,529 49,539 35 15,622 19,819 25,884 31,023 37,404 40,592 52,190 36-44 16,251 20,617 27,199 32,600 39,303 42,655 54,842 45 19,431 24,651 32,927 39,465 47,580 51,637 66,392 46-49 22,610 28,686 38,654 46,330 55,856 60,620 77,940 50 25,289 32,085 43,593 52,250 62,993 68,364 87,898 51-54 27,968 35,485 48,530 58,170 70,130 76,110 97,855 55 31,541 40,017 55,308 66,292 79,923 86,737 111,519 56-59 35,116 44,551 62,085 74,414 89,714 97,365 125,183 60 40,308 51,139 72,073 86,387 104,149 113,029 145,324 61-64 45,501 57,727 82,061 98,359 118,583 128,694 165,464 65 53,463 67,831 97,036 116,309 140,223 152,180 195,661 66-69 61,427 77,935 112,012 134,259 161,863 175,667 225,856 70 67,448 85,574 123,767 148,348 178,849 194,099 249,556 71-74 73,469 93,212 135,521 162,438 195,835 212,532 273,257 75 80,458 102,081 149,415 179,090 215,912 234,322 301,273 76-79 87,446 110,948 163,311 195,743 235,989 256,112 329,288 80 93,738 118,931 177,030 212,188 255,815 277,628 356,951 >80 100,030 126,913 190,748 228,632 275,641 299,145 384,614 Age Group (Years) 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 18-34 19,327 24,519 30,905 37,045 44,662 48,471 62,318 35 19,780 25,096 31,965 38,313 46,192 50,131 64,453 36-44 20,233 25,673 33,025 39,583 47,722 51,790 66,589 45 23,588 29,928 39,008 46,756 56,370 61,176 78,654 46-49 26,944 34,185 44,993 53,930 65,018 70,562 90,720 50 29,799 37,805 50,188 60,155 72,523 78,707 101,193 WALK MORE EARN MORE

51-54 32,652 41,426 55,382 66,382 80,029 86,854 111,668 55 36,268 46,016 62,223 74,580 89,914 97,580 125,461 56-59 39,885 50,605 69,063 82,778 99,799 108,307 139,254 60 44,988 57,078 78,917 94,590 114,039 123,763 159,124 61-64 50,089 63,549 88,771 106,402 128,280 139,219 178,995 65 58,051 73,653 103,747 124,351 149,920 162,703 209,190 66-69 66,014 83,758 118,722 142,301 171,560 186,189 239,385 70 72,034 91,396 130,477 156,390 188,545 204,623 263,087 71-74 78,056 99,034 142,231 170,479 205,530 223,057 286,787 75 85,045 107,903 156,125 187,133 225,608 244,846 314,803 76-79 92,035 116,770 170,019 203,785 245,685 266,636 342,818 80 98,327 124,752 183,739 220,229 265,512 288,151 370,481 >80 104,618 132,733 197,459 236,674 285,338 309,667 398,144 Age Group (Years) 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 18-34 21,733 27,575 34,428 41,266 49,750 53,993 69,419 35 22,091 28,027 35,345 42,364 51,074 55,429 71,267 36-44 22,447 28,479 36,261 43,463 52,399 56,867 73,115 45 25,899 32,859 42,388 50,806 61,253 66,475 85,469 46-49 29,350 37,240 48,515 58,149 70,105 76,083 97,821 50 32,303 40,985 53,850 64,546 77,817 84,453 108,581 51-54 35,254 44,730 59,188 70,943 85,530 92,822 119,342 55 38,895 49,349 66,063 79,184 95,466 103,605 133,207 56-59 42,537 53,967 72,938 87,425 105,402 114,388 147,072 60 47,586 60,375 82,719 99,147 119,534 129,726 166,791 61-64 52,636 66,782 92,500 110,870 133,667 145,064 186,511 65 60,600 76,886 107,476 128,819 155,307 168,550 216,707 66-69 68,564 86,991 122,451 146,770 176,947 192,034 246,902 70 74,584 94,629 134,204 160,859 193,932 210,468 270,602 71-74 80,605 102,267 145,958 174,948 210,917 228,902 294,304 75 87,595 111,136 159,852 191,601 230,996 250,692 322,319 76-79 94,585 120,004 173,747 208,253 251,073 272,482 350,335 80 100,876 127,986 187,467 224,698 270,899 293,998 377,998 >80 107,165 135,968 201,185 241,142 290,724 315,513 405,660 Age Group (Years) 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 1A + 4C 18-34 26,161 33,192 40,900 49,025 59,103 64,146 82,471 35 26,517 33,644 41,817 50,124 60,428 65,583 84,319 36-44 26,873 34,096 42,734 51,223 61,753 67,019 86,167 45 30,326 38,476 48,860 58,566 70,605 76,628 98,521 46-49 33,778 42,856 54,987 65,910 79,459 86,236 110,873 50 36,729 46,602 60,324 72,307 87,171 94,605 121,633 51-54 39,681 50,347 65,660 78,702 94,884 102,975 132,394 55 43,323 54,966 72,536 86,945 104,819 113,758 146,259 56-59 46,964 59,584 79,412 95,186 114,756 124,541 160,124 60 51,928 65,884 89,068 106,758 128,709 139,684 179,592 61-64 56,894 72,183 98,724 118,332 142,661 154,827 199,061 65 64,858 82,287 113,699 136,282 164,301 178,312 229,256 66-69 72,820 92,392 128,674 154,231 185,941 201,797 259,451 70 78,842 100,030 140,428 168,320 202,926 220,230 283,153 EVERY STEP COUNTS

71-74 84,862 107,668 152,181 182,409 219,911 238,666 306,853 75 91,852 116,536 166,076 199,062 239,990 260,454 334,869 76-79 98,842 125,405 179,971 215,716 260,067 282,244 362,884 80 105,132 133,387 193,690 232,160 279,892 303,760 390,547 >80 111,423 141,369 207,409 248,605 299,718 325,275 418,211 Age Group (Years) 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 1A + 5C 18-34 30,588 38,809 47,372 56,785 68,457 74,299 95,523 35 30,944 39,261 48,289 57,884 69,782 75,736 97,371 36-44 31,301 39,713 49,207 58,983 71,107 77,173 99,220 45 34,753 44,093 55,334 66,327 79,959 86,781 111,573 46-49 38,205 48,473 61,460 73,670 88,813 96,388 123,926 50 41,156 52,219 66,796 80,067 96,525 104,758 134,685 51-54 44,107 55,964 72,132 86,463 104,238 113,128 145,446 55 47,750 60,582 79,008 94,704 114,173 123,911 159,311 56-59 51,391 65,201 85,884 102,946 124,109 134,693 173,176 60 56,271 71,392 95,416 114,369 137,883 149,642 192,393 61-64 61,150 77,584 104,948 125,793 151,655 164,590 211,612 65 69,114 87,688 119,923 143,743 173,295 188,074 241,807 66-69 77,078 97,791 134,899 161,693 194,935 211,559 272,002 70 83,098 105,431 146,652 175,782 211,920 229,994 295,702 71-74 89,118 113,069 158,406 189,870 228,905 248,428 319,404 75 96,109 121,936 172,300 206,524 248,984 270,218 347,419 76-79 103,099 130,805 186,195 223,177 269,061 292,006 375,435 80 109,390 138,788 199,913 239,621 288,886 313,522 403,097 >80 115,679 146,770 213,633 256,066 308,712 335,039 430,760 Age Group (Years) 2A 2A 2A 2A 2A 2A 2A 18-34 16,271 20,644 27,494 32,956 39,731 43,118 55,439 35 17,848 22,643 30,444 36,492 43,994 47,745 61,387 36-44 19,423 24,642 33,394 40,028 48,258 52,372 67,336 45 23,527 29,849 40,881 49,001 59,074 64,112 82,430 46-49 27,632 35,055 48,367 57,972 69,891 75,852 97,523 50 31,232 39,626 55,056 65,990 79,558 86,342 111,012 51-54 34,834 44,197 61,746 74,008 89,223 96,832 124,499 55 39,628 50,279 70,824 84,889 102,343 111,069 142,805 56-59 44,423 56,360 79,901 95,771 115,462 125,305 161,109 60 50,974 64,671 92,464 110,827 133,614 145,007 186,438 61-64 57,523 72,982 105,025 125,882 151,767 164,708 211,766 65 68,382 86,761 125,499 150,424 181,353 196,816 253,050 66-69 79,243 100,541 145,973 174,966 210,939 228,925 294,334 70 88,841 112,718 164,513 197,187 237,731 258,001 331,718 71-74 98,440 124,896 183,053 219,409 264,523 287,077 369,102 75 108,732 137,953 203,361 243,750 293,868 318,926 410,048 76-79 119,024 151,009 223,670 268,092 323,213 350,773 450,995 80 128,642 163,214 244,105 292,586 352,742 382,820 492,199 >80 138,261 175,419 264,541 317,079 382,272 414,868 533,402 WALK FOR HEALTH