OptimaRESTORE

Prospectus
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002

Suitability:
a) b) c) d) e) f) g) a) This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted upto 65 years. Child between 91 days and 5 years can be insured provided both parents are getting insured under this Policy. There is no maximum cover ceasing age in this policy. The policy will be issued for a period 1/2 years. This policy can be issued to an individual and/or family. The family includes spouse, dependent children and dependent parents. The policy offers option of covering on individual sum insured basis as well as on family oater basis. In-patient Treatment - Covers hospitalisation expenses due to an illness or accident. We will pay for the medical expenses for room rent, nursing, intensive care unit, medical practitioner(s), anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs and consumables, diagnostic procedures, cost of prosthetic & other devices or equipments if implanted internally during a surgical procedure. Pre-Hospitalisation - The medical expenses incurred in 60 days immediately before the insured person was hospitalised. Post-Hospitalisation - The medical expenses incurred in the 180 days immediately after the insured person was discharged post Hospitalisation. Day care procedures - The medical expenses for 140 enlisted Day care procedures which do not require 24 hours hospitalisation due to technological advancement. Domiciliary Treatment - The medical expenses incurred by an insured person for availing medical treatment at his home which would otherwise have required hospitalisation. Organ Donor - The Medical Expenses for harvesting the organ from the donor for organ transplantation. Emergency Ambulance - Expenses Upto Rs. 2,000 per hospitalisation for utilizing ambulance service for transporting Insured Person to Hospital in case of an emergency or from one hospital to another if medical services required are not available. Restore Benet - We will automatically re-instate the basic sum insured, if the basic sum insured and multiplier benet has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year. Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year. If the restore sum insured is not utilised in a policy year, it shall not be carried forward to any subsequent policy year. Please note the below example to understand the working of the Restore Benet For policy period 1st Jan 2011 to 31st Dec 2011 Details Sum Insured at beginning of policy year (Rs) Case A 3,00,000 Case B 3,00,000 None Case C 3,00,000 3,00,000 Case D 3,00,000 3,00,000

Salient Features & Benets:

b) c) d) e) f) g) h)

Multiplier benet (if any, please refer to section on None Renewal incentives)

Assuming the policy has had 2 claim free years enabling the insured person to be eligible to receive a multiplier benet of 100% of SI 3,00,000 6,00,000 6,00,000

Total eligible Sum Insured limit applicable for the 3,00,000 year Event 1: Individual undergoes a inpatient hospitalisation on 1st June 2011 Eligible claim amount (Rs) Restore benet triggered Additional Restore Sum Insured triggered (Rs) 2,00,000 No N.A

3,00,000 Yes 3,00,000 3,00,000

3,00,000 No N.A 3,00,000 (Existing Multiplier benet)

6,00,000 Yes 3,00,000 3,00,000

Sum Insured applicable for the remainder of the 1,00,000 policy year (Rs) i.e. 2nd June 2011 to 31st Dec 2011 Sum Insured at renewal in the next policy year (Rs.) 3,00,000

3,00,000

3,00,000 (Multiplier benet will reduce by 50% of basic Sum Insured due to claim made in previous year)

3,00,000

Basic Sum Insured:

Rs. 300,000; 500,000; 1,000,000; 1,500,000 on individual as well as on family oater basis.

Renewal Incentives:
Multiplier Benet: We will offer Bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%. In the event of a claim, the bonus

OptimaRESTORE
Prospectus
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002
shall be reduced by 50% of the Basic Sum Insured at the time of renewal. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.

Portability:
If you are insured continuously and without interruption under another Indian insurers individual health insurance policy for the reimbursement of medical costs for inpatient treatment in a hospital and you want to shift to us on renewal, Optima Restore policy offers you transfer of your accrued benets and make due allowances for waiting periods etc to the extent of sum of previous sum insured and accrued cumulative bonus and it shall not apply to any other additional increased sum insured.

Free Look Period:

You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, You have the option of canceling the Policy stating the reasons for cancellation and You shall be refunded the premium paid by You after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium. 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.

Exclusions
a) b) c) Waiting Periods: We are not liable for any treatment which begins during waiting periods except if any Insured Person suffers an Accident. A waiting period of 30 days (or longer if specied in any benet) will apply to all claims unless: i) The Insured Person has been insured under an Optima Restore Policy continuously and without any break in the previous Policy Year, or ii) The Insured Person was insured continuously and without interruption for at least 1 year under any Indian insurers individual health insurance policy for the reimbursement of medical costs for in-patient treatment in a Hospital, and We have issued an endorsement for the same. iii) If the Insured person renews with Us or transfers from any other insurer and increases the Sum Insured (other than as a result of the application of Benet 3a) upon renewal with Us), then this exclusion will only apply in relation to the amount by which the Sum Insured has been increased. Specic Waiting Periods - The Illnesses and treatments listed below will be covered subject to a waiting period of 2 years as long as in the third Policy Year the Insured Person has been insured under an Optima Restore Policy continuously and without any break: Organ / Organ System ENT Illness Treatment

Any Benign ear, nose and throat (ENT) disorder All ear, nose and throat (ENT) surgery Example: Sinusitis, Rhinitis etc Example: Adenoidectomy, Mastoidectomy, Tonsillectomy, Tympanoplasty, Septoplasty, Functional endoscopic sinus surgery (FESS) Internal tumors, cysts, nodules, polyps Dilatation and curettage (D&C) including breast lumps (each of any kind Hysterectomy for menorrhagia or bromyoma unless malignant) or prolapse of uterus unless necessitated by Polycystic ovarian diseases malignancy Myomectomy for broids Non infective arthritis Gout and Rheumatism Age related Osteoporosis Joint replacement Surgery for prolapsed inter vertebral disk

Gynaecological

Orthopaedic

Gastrointestinal

Surgery of gallbladder and bile duct unless Calculus diseases of gall bladder necessitated by malignancy Fissure/stula in anus, hemorrhoids, pilonidal sinus Surgery of hernia Gastric and duodenal ulcers All forms of cirrhosis Calculus diseases of Urogenital system Any surgery of Urogenital system unless Example: Kidney stone, Urinary Bladder stone necessitated by malignancy etc. Surgery on prostate Surgery for Hydrocele Cataract Surgery of varicose veins and varicose ulcers Internal tumors, cysts, nodules, polyps, skin tumors (each of any kind unless malignant)

Urogenital

Others

d)

However, a waiting period of 2 years will not apply if the Insured Person was insured continuously and without interruption for at least 2 years under any Indian insurers individual health insurance policy for the reimbursement of medical costs for in-patient treatment in a Hospital, and We have issued an endorsement for the same. ii) If the Insured person renews with Us or transfers from any other insurer and increases the Sum Insured (other than as a result of the application of Benet 3a) upon renewal with Us), then this exclusion will only apply in relation to the amount by which the Sum Insured has been increased. Pre-existing Conditions will not be covered until 36 months of continuous coverage have elapsed, since inception of the rst Optima Restore policy with us, but 1) If the Insured Person is presently covered and has been continuously covered without any lapses under:

i)

OptimaRESTORE
Prospectus
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002
i) an individual health insurance plan with an Indian insurer for the reimbursement of medical costs for inpatient treatment in a Hospital , OR ii) any other similar health insurance plan from Us, then Section 4 d) of the Policy stands deleted and shall be replaced entirely with the following: i) The waiting period for all Pre-existing Conditions shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance policy ii) If the proposed Sum Insured for a proposed Insured Person is more than the Sum Insured applicable under the previous health insurance policy (other than as a result of the application of Benet 3a), then the reduced waiting period shall only apply to the extent of the Sum Insured under the previous health insurance policy. 2) The reduction in the waiting period specied above shall be applied subject to the following: i) We will only apply the reduction of the waiting period if We have received the database and claim history from the previous Indian insurance company (if applicable); ii) We are under no obligation to insure all Insured Persons or to insure all Insured Persons on the proposed terms, or on the same terms as the previous health insurance policy even if You have submitted to Us all documentation We shall consider only completed years of coverage for waiver of waiting periods. Policy Extensions if any sought during or for the purpose of porting insurance policy shall not be considered for waiting period waiver We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Policy: i) War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind. ii) Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane. iii) Any Insured Persons participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hanggliding, rock or mountain climbing. iv) The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies. v) Sleep-apnoea, Treatment of Obesity and any weight control program. vi) Psychiatric, mental disorders (including mental health treatments), Parkinson and Alzheimers disease, congenital internal or external diseases, defects or anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy. vii) Venereal disease, sexually transmitted disease or illness, AIDS (Acquired Immune Deciency Syndrome) and/or infection with HIV (Human immunodeciency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposis sarcoma, tuberculosis. viii) Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness), maternity or birth (including caesarean section) except in the case of ectopic pregnancy in relation to 1a) only. ix) Sterility, treatment whether to effect or to treat infertility, any fertility, sub-fertility or assisted conception procedure, surrogate or vicarious pregnancy, birth control, contraceptive supplies or services including complications arising due to supplying services. x) Dental treatment and surgery of any kind, unless requiring Hospitalisation. xi) Expenses for donor screening, or, save as and to the extent provided for in 1f) Organ Donor, the treatment of the donor (including surgery to remove organs from a donor in the case of transplant surgery). xii) Treatment and supplies for analysis and adjustments of spinal subluxation, diagnosis and treatment by manipulation of the skeletal structure, muscle stimulation by any means except for treatment of fractures (excluding hairline fractures) and dislocations of the mandible and extremities. xiii) Treatment of nasal concha resection, circumcisions (unless necessitated by illness or injury and forming part of treatment), treatment for correction of refractive error, aesthetic or change-of-life treatments of any description such as sex transformation operations, treatments to do or undo changes in appearance or carried out in childhood or at any other times driven by cultural habits, fashion or the like or any procedures which improve physical appearance. xiv) Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment certied by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns. xv) Experimental, investigational or unproven treatment, devices and pharmacological regimens, Medical Expenses relating to any hospitalisation primarily and specically for diagnostic, X-ray or laboratory examinations and investigations xvi) Convalescence, cure, rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodial care, general debility or exhaustion (run-down condition) xvii) Any non allopathic treatment. xviii) All preventive care, vaccination including inoculation and immunisations (except in case of post-bite treatment), any physical, psychiatric or psychological examinations or testing, enteral feedings (infusion formulae via a tube into the upper gastrointestinal tract) and other nutritional and electrolyte supplements, unless certied to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim. xix) Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge, administration, registration, documentation and ling. xx) Items of personal comfort and convenience including but not limited to television (wherever specically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patients diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service as well as similar incidental services and supplies, and vitamins and tonics unless vitamins and tonics are certied to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim. xxi) Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed, treatments rendered by a Medical

e)

OptimaRESTORE
Prospectus
xxii) xxiii) xxiv) xxv) xxvi)

10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002

Practitioner who shares the same residence as an Insured Person or who is a member of an Insured Persons family, however proven material costs are eligible for reimbursement in accordance with the applicable cover. The provision or tting of hearing aids, spectacles or contact lenses including optometric therapy, any treatment and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products. Any treatment or part of a treatment that is not of a reasonable charge, not medically necessary, drugs or treatments which are not supported by a prescription. Articial limbs, crutches or any other external appliance and/or device used for diagnosis or treatment (except when used intra-operatively). Any exclusion mentioned in the Schedule or the breach of any specic condition mentioned in the Schedule. Any non medical expenses mentioned in Annexure II in policy wordings.

Pre-existing Condition means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the rst policy issued by the insurer. Claim Procedure: Specied Third Party Administrator (TPA) licensed by IRDA will process and settle all claims under this policy on behalf of Apollo Munich Health Insurance Company Limited. The nal decision on any claim solely rests with Apollo Munich Health Insurance Company Limited. Intimation & Assistance - Please contact our designated TPA atleast 7 days prior to an event which might give rise to a claim. For any emergency situations, kindly contact our TPA within 24 hours of the event. Procedure for Reimbursement of Medical Expenses Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of the Incident. *Please refer to claim form for complete documentation. If there is any deficiency in the documents/information submitted by you, the TPA will send the deficiency letter within 7 days of receipt of the claim documents. On receipt of the complete set of claim documents, your designated TPA will make the payment for the admissible amount, along with a settlement statement within 30 days. The payment will be made in the name of the proposer. Note: Payment will only be made for items covered under your policy and upto the limits therein. Procedure to avail Cashless facility For any emergency Hospitalisation, your designated TPA must be informed no later than 24 hours after hospitalization. For any planned hospitalization, kindly seek cashless authorization from your designated TPA atleast 48 hours prior to the hospitalization. TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents. Please pay the non-medical and expenses not covered to the hospital prior to the discharge. In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours. Note: Insured person is entitled for cashless coverage only in our empanelled hospitals. Please refer to the list of empanelled hospitals on our website or the list provided along with Policy kit or call us on our toll free number at 1800-102-0333. Rejection of cashless facility in no way indicates rejection of the claim. Terms of Renewal: We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the policy poses a moral hazard. Grace Period - Grace Period of 30 days for renewing the policy is provided under this policy. Maximum Age There is no maximum cover ceasing age in this policy. Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Optima Restore policy. Renewal premium are subject to change with prior approval from IRDA. 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 atleast 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 benets such as multiplier benet, waiver of waiting period etc. provided the policy has been maintained without a break as per portability guidelines issued by IRDA. Basic Sum Insured Enhancement - Basic sum insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured enhances the basic sum insured one grid up, no fresh medicals shall be required. In cases where the basic sum insured enhanced is more than one grid up, the case shall be subject to medicals. In case of enhancement in the basic sum insured waiting period will apply afresh in relation to the amount by which the basic sum insured has been enhanced. However the quantum of enhancement shall be at our sole discretion. 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 benets such as multiplier benet, waiver of waiting period etc. provided the policy has been maintained without a break as per portability guidelines issued by IRDA

Tax Benet: The premium amount paid under this policy qualies for deduction under Section 80D of the Income Tax Act.

OptimaRESTORE
Prospectus
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002
Requirement: Completed proposal form Premium Rates: The premium under individual coverage will be charged on the completed age of the individual insured member. The premium under floater coverage will be charged on the completed age of the oldest insured member. Premium rates are subject to change with prior approval from IRDA. The premium for the policy will remain the same for the policy period as mentioned in the policy schedule. Please note that your premium at renewal may change due to a change in your age or changes in the applicable tax rate

Discounts: Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan. Loadings: We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person.These loadings are applied from Commencement Date of the policy including subsequent renewal(s) with us or on the receipt of the request of enhancement in sum insured (for the enhanced Sum Insured). We will not apply any additional loading on your policy premium at renewal based on claim experience We will inform you about the applicable risk loading through a counter offer letter. You need to revert to us with consent and additional premium (if any), within 15 days of the issuance of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 15 days, we shall cancel your application and refund the premium paid within next 7 days. Please note that we will issue policy only after getting your consent.

Termination (other than Free Look Period): You may terminate this Policy at any time by giving Us written notice, and the Policy shall terminate when such written notice is received. If no claim has been made under the Policy, then We will refund premium in accordance with the table below: 1 Year Policy Length of time Policy in force Upto 1 Month Upto 3 Months Upto 6 Months Exceeding 6 Months Refund of premium 75.00% 50.00% 25.00% Nil Length of time Policy in force Upto 1 Month Upto 3 Months Upto 6 Months Upto 12 Months Upto 15 Months Upto 18 Months Exceeding 18 Months 2 Year Policy Refund of premium 87.50% 75.00% 62.50% 50.00% 37.50% 25.00% Nil

We may at any time terminate this Policy on grounds of misrepresentation, fraud, non-disclosure of material facts or non-cooperation by You or any Insured Person or anyone acting on Your behalf or on behalf of an Insured Person upon 30 days notice by sending an endorsement to Your address shown in the Schedule without refund of premium.

Section 41 of Insurance Act1938 (Prohibition of Rebates): 1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take 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 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 prospectus or tables of the insurers. Any person making default in complying with the provision of this section shall be punishable with ne which may extend to ve hundred rupees.

2.

IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection of Policyholders Interests) Regulation. Note: Policy Term and Conditions & Premium rates are subject to change with prior approval from IRDA. Disclaimer: This is only a summary of the product features. The actual benets 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 clarication.

OptimaRESTORE
Prospectus
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002

Schedule of Benefits
Optima Restore Individual Basic Sum Insured per Insured Person per Policy Year (Rs. in Lakh) 1a) 1b) 1c) 1d) 1e) 1f) 1g) 2) 3) In-patient Treatment Pre-Hospitalization Post-Hospitalization Day Care Procedures Domiciliary Treatment Organ Donor Emergency Ambulance Restore Benet Multiplier Benet 3.00, 5.00, 10.00, 15.00

Covered Covered, upto 60 Days Covered, upto 180 Days Covered Covered Covered Upto Rs.2,000 per Hospitalisation Equal to 100% of Basic Sum Insured 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.

Optima Restore Family Basic Sum Insured per Policy per Policy Year (Rs. in Lakh) 1a) 1b) 1c) 1d) 1e) 1f) 1g) 2) 3) In-patient Treatment Pre-Hospitalization Post-Hospitalization Day Care Procedures Domiciliary Treatment Organ Donor Emergency Ambulance Restore Benet Multiplier Benet 3.00, 5.00, 10.00, 15.00

Covered Covered, upto 60 Days Covered, upto 180 Days Covered Covered Covered Upto Rs.2,000 per Hospitalisation Equal to 100% of Basic Sum Insured 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.

OptimaRESTORE
Rate Card
10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002

Individual Health Insurance Plan

Sum Insured in INR Age Group (Yrs) 91D-17 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80* Plan 1 3 Lac 4,095 4,487 4,778 7,800 11,556 14,725 28,088 35,903 39,870 51,776 62,691 Plan 2 5 Lac 4,741 5,609 6,395 9,813 14,445 17,719 32,809 42,077 46,844 60,949 73,971 Plan 3 10 Lac 6,399 8,004 8,251 13,407 19,904 25,462 40,727 47,660 53,032 69,188 84,023 Plan 4 15 Lac 7,679 9,809 10,056 16,327 24,251 31,050 42,467 49,710 55,167 72,233 87,672

Family Floater Health Insurance Plan

Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80* Plan 1 300,000 1A + 1C 5,354 6,143 9,828 11,963 15,047 29,134 36,950 40,916 52,822 63,738 Plan 2 Plan 3 500,000 1,000,000 1A + 1C 1A + 1C 7,296 9,291 8,049 10,589 12,285 17,073 14,953 20,545 18,808 25,935 33,887 41,972 43,155 48,794 47,922 54,166 62,027 70,322 75,049 85,158 Plan 4 1,500,000 1A + 1C 11,334 12,902 20,830 25,020 31,609 43,770 50,897 56,353 73,420 88,859
Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80* Plan 1 Plan 2 Plan 3 Plan 4 300,000 500,000 1,000,000 1,500,000 1A + 2C 1A + 2C 1A + 2C 1A + 2C 6,764 9,185 11,590 14,110 7,426 9,695 12,664 15,404 10,784 15,380 18,482 22,499 14,321 17,901 24,596 29,953 16,274 20,342 27,850 33,903 32,112 37,182 45,953 47,933 39,928 46,450 52,421 54,690 43,894 51,216 57,793 60,146 55,800 65,321 73,949 77,213 66,716 78,344 88,785 92,652

Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80*

Plan 1 Plan 2 Plan 3 300,000 500,000 1,000,000 1A + 3C 1A + 3C 1A + 3C 8,410 12,022 14,351 9,233 13,157 15,727 13,409 18,091 23,069 16,762 20,744 28,814 18,601 23,251 31,853 35,015 40,389 49,825 42,830 49,657 55,950 46,797 54,424 61,321 58,703 68,528 77,477 69,618 81,551 92,313

Plan 4 1,500,000 1A + 3C 17,459 19,127 28,102 35,095 38,778 51,981 58,378 63,835 80,902 96,341

Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80*

Plan 1 300,000 2A 6,094 7,522 13,649 17,172 21,158 39,974 53,786 64,194 83,364 100,938

Plan 2 500,000 2A 7,687 9,317 17,218 21,465 26,447 46,549 62,931 75,351 98,039 118,987

Plan 3 1,000,000 2A 10,103 12,392 22,870 28,297 34,719 57,719 71,233 85,305 111,293 135,157

Plan 4 1,500,000 2A 12,314 15,087 27,923 34,456 42,254 60,207 74,297 88,799 116,271 141,122

*Premium rates only for renewal

Insurance is the subject matter of solicitation

E-mail : customerservice@apollomunichinsurance.com
OR/PP/V0.01/072013

toll free : 1800-102-0333 www.apollomunichinsurance.com

AMHI/PR/H/0016/0063/102010/P

Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80*

Plan 1 Plan 2 Plan 3 Plan 4 300,000 500,000 1,000,000 1,500,000 2A + 1C 2A + 1C 2A + 1C 2A + 1C 7,508 9,923 12,313 14,982 8,736 10,920 14,258 17,333 15,561 19,452 25,927 31,626 19,530 24,413 32,159 39,154 23,274 29,092 38,136 46,401 43,095 50,011 61,907 64,588 56,907 66,393 75,049 78,289 67,315 78,813 89,121 92,791 86,485 101,501 115,109 120,263 104,059 122,449 138,973 145,114

Sum Insured in INR Age Group (Yrs) 18-35 36-45 46-50 51-55 56-60 61-65 66-70* 71-75* 76-80* > 80*

Plan 1 300,000 2A + 2C 9,555 10,920 17,063 21,809 25,715 46,175 59,987 70,395 89,565 107,139

Plan 2 Plan 3 500,000 1,000,000 2A + 2C 2A + 2C 12,522 15,671 13,650 17,859 21,329 28,250 27,261 35,888 32,144 42,144 53,425 66,036 69,807 78,811 82,227 92,883 104,915 118,871 125,863 142,734

Plan 4 1,500,000 2A + 2C 19,068 21,718 34,425 43,689 51,278 68,907 82,224 96,726 124,198 149,049