Now ensure a worry-free & comprehensive life protection

Transcription

1 Now ensure a worry-free & comprehensive life protection Birla Sun Life Insurance Accidental Death & Disability Rider Critical Illness Rider Hospital Care Rider Surgical Care Rider Waiver of Premium Rider

2 Congratulations! You have taken the right decision to protect your loved ones with your choice of a BSLI insurance policy that covers you against any unfortunate event in life. Having secured your family's future, you should now take the second step that of protecting yourself against unforeseen events like personal accident, disability, critical illness, hospitalization or surgeries. Any one of them can affect your earning potential and stop you from enjoying life. Thankfully, you can easily cover yourself against these unforeseen events with the benefit of financial protection.

3 Birla Sun Life Insurance Accidental Death & Disability Rider Life is full of uncertainties; you never know what will happen next. Accidents are common now-a-days and an accident can prove to be fatal for an individual, affecting the family emotionally as well as economically. The severity is more if you are not prepared for it. BSLI Accidental Death and Disability rider is an easy, inexpensive way of providing additional financial security for your family in the event of your untimely accidental death or disability. ELIGIBILITY CRITERIA Entry Age Rider Term Pay Term Pay Mode years Maximum age at the end of rider term is 70 years Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier Same as base plan Same as base plan Sum Assured* Minimum Rs. 75,000 Maximum Rs. 50,00,000 subject to maximum of 100% sum assured of the base plan * Subject to the total rider premiums on the base plan being no more than 30% of the base plan premium. You may opt for this rider only at the time of policy issue. BENEFITS BSLI Accidental Death and Disability rider covers the following insured events. Accidental Death In the unfortunate event the death of the life insured occurs in an accident we will pay rider sum assured to the nominee. Accidental Disability In the event of disability due to accident, we will pay life insured a percentage of rider sum assured, based on the description of bodily injury as given below: 100% in case of Loss or total and permanent loss of use of both hands from the wrist joint

4 Loss or total and permanent loss of use of both feet from the ankle joint Total and permanent loss of sight in both eyes Loss or total and permanent loss of use of one hand from the wrist joint and of one foot from the ankle joint Loss or total and permanent loss of use of one hand from the wrist joint and total and permanent loss of sight in one eye Loss or total and permanent loss of use of one foot from the ankle joint and total and permanent loss of sight in one eye 50% in case of Total and permanent loss of speech and of hearing in both ears 25% in case of Total and permanent loss of hearing in both ears Loss or total and permanent loss of use of one hand from the wrist joint Loss or total and permanent loss of use of one foot from the ankle joint Total and permanent loss of sight in one eye 20% in case of Total and permanent loss of speech 5% in case of Total and permanent loss of hearing in one ear The benefit will continue in case of further disabilities occurring in the future subject to: A maximum of 100% is paid during the entire policy term of the rider The benefit will only be paid once in respect of each disability during the life insured's lifetime Following an Accidental Disability claim, the Death Benefit under this rider is reduced by the amount of claim paid. DEFINITIONS Accidental Death means traumatic death caused solely by external, violent, unforeseeable and visible means, occurring independently of any other causes and within 6 months of the trauma; but does not result from any of the causes listed in the exclusions. Accidental Disability must be a result of a traumatic event caused solely by external, violent, unforeseeable and visible means, occurring independently of any other causes and within ninety (90) days of such trauma, proved to the satisfaction of the insurer. The permanence of the disability will only be established 180 days following the date of the

5 event causing the disability except in the case of complete severance of the hand at or above the wrist or foot at or above the ankle joint. EXCLUSIONS The life insured will not be entitled to any benefits for any death directly or indirectly due to or caused, occasioned, accelerated or aggravated by any of the following: Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order Self-destruction or any attempted self-destruction or self-inflicted injury while sane or insane Accident occurring while or because the life insured is under the influence of alcohol or any non prescribed drug; unless taken in accordance with the lawful directions and prescription of a registered medical practitioner Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the life insured is on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route Arising or resulting from the life insured committing any breach of law with criminal intent War, terrorism, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion. War means any war whether declared or not Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a licensed doctor other than life insured Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping Any injury incurred before the effective date of the cover Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature Failure to seek or follow medical advice Death or disability as a result of any disease or infection

6 TERMS AND CONDITIONS Termination of rider You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated, discontinued or made paid-up. The rider benefit will also cease when the total claims paid equals 100% of the sum assured. Current Tax Benefits As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10 (10D) of the Income Tax Act, Under Section 80C, premiums up to Rs. 1,00,000 are allowed as a deduction from your taxable income each year Under Section 10 (10D), the benefits you receive from this plan are exempt from tax, subject to mentioned exclusions

7 Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws. Prohibition of Rebates - Section 41 of the Insurance Act, 1938 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 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 insurer. Non-Disclosure - Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

8 Birla Sun Life Insurance Critical Illness Rider Today with the spiraling costs of medication, the financial burden of getting treated for any major illness or getting a surgery done, can be debilitating. You may not be able to prevent yourself from this uncertainty however with BSLI Critical Illness Rider you can protect yourself from its cost. ELIGIBILITY CRITERIA Entry Age Rider Term Pay Term Pay Mode years Maximum age at the end of rider term is 70 years Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier Same as base plan Same as base plan Sum Assured* Minimum Rs. 75,000 Maximum Rs. 50,00,000 subject to maximum of 100% sum assured of the base plan * Subject to the total rider premiums on the base plan being no more than 30% of the base plan premium. You may opt for this rider only at the time of policy issue. RIDER BENEFITS BSLI Critical Illness rider covers 4 major illnesses - 1. Heart Attack 2. Cancer 3. Stroke 4. Major Organ transplant In the unfortunate event the life insured is diagnosed to be suffering from any one of the above 4 critical illnesses, we will pay 100% of the rider sum assured on survival of 30 days following the date of confirmed diagnosis.

9 DEFINITIONS Heart Attack First occurrence of heart attack or myocardial infarction which means the death of a portion of the heart muscle as a result of an acute interruption of blood supply to the myocardium. The diagnosis must be based on a history of typical chest pain, new characteristic electrocardiographic changes proving infarction, and significant elevation of cardiac enzymes. Diagnosis must be confirmed by a consultant cardiologist. Angina is specifically excluded. Cancer A malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis must be histologically confirmed. The term cancer includes leukemia but the following cancers are excluded: All forms of lymphoma, Kaposi's sarcoma in the presence of any Human Immunodeficiency Virus Any skin cancer other than invasive malignant melanoma All tumors which are histologically described as pre-malignant, non-invasive or carcinoma in situ Stroke A cerebrovascular incident producing neurological sequelae of a permanent nature, having lasted not less than six months. Infarction of brain tissue, haemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. Excluded are: Transient ischemic attacks (TIA) Traumatic injury of the brain Vascular disease affecting only the eye or optic nerve or vestibular functions Major Organ Transplant Actual undergoing of a transplant as a recipient of: Human bone marrow using haematopoietic stem cells, preceded by total bone marrow ablation; or; One of the following human organs: heart, lung, liver, kidney that resulted from irreversible end - stage failure of the relevant organ; Other stem-cell transplants are excluded. The undergoing of a transplant must be confirmed by a specialist medical practitioner

10 EXCLUSIONS The life insured will be entitled to receive the benefit if the critical illness does not result either directly or indirectly from any one of the following causes listed in the exceptions below: Diseases in the presence of an HIV infection Any pre-existing or recurring disease which is diagnosed or which the life insured contracted prior to the policy issue date or the revival date of the policy, whichever is later Any disease occurring within 90 days of the start of coverage (i.e. during the waiting period) No payment will be made by us for any claim directly or indirectly caused by, based on, arising out of, or howsoever, to any critical illness for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted before the start of the policy period, or for which a claim has or could have been made under any earlier policy Any congenital condition Intentional self-inflicted injury, attempted suicide, while sane or insane Alcohol or solvent abuse or intake of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner Failure to seek or follow medical advice War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes Taking part in any naval, military or air force operation during peace time Where the life insured is engaged in aviation or aeronautics other than as a passenger on a licensed commercial aircraft operating on a scheduled route Participation by the life insured in a criminal or unlawful act Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungeejumping Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature

11 TERMS AND COMDITIONS Termination of rider You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated, discontinued or made paid-up. The rider benefit will also cease when a claim is paid. Current Tax Benefits As per extant tax laws, under Section 80D of the Income Tax Act,1961, premiums up to Rs. 15,000 (Rs. 20,000 for senior citizens) are allowed as a deduction from your taxable income each year. Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws.

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13 Prohibition of Rebates - Section 41 of the Insurance Act, 1938 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 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 insurer. Non-Disclosure - Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

14 Birla Sun Life Insurance Hospital Care Rider We all hope to go through life without any health problems, but we all know the importance of planning for such eventualities. If and when that time comes, the high costs of hospitalization and surgeries should be the least of your concerns. BSLI Hospital Care Rider ensures the only thing your family has to think at that hour is about you. ELIGIBILITY CRITERIA Entry Age Rider Term Pay Term Pay Mode years Maximum age at the end of rider term is 70 years Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier Same as base plan Same as base plan Sum Assured* Minimum Rs. 1,50,000 Maximum Rs. 15,00,000 subject to maximum of 100% sum assured of the base plan * Subject to the total rider premiums on the base plan being no more than 30% of the base plan premium. You may opt for this rider only at the time of policy issue. RIDER BENEFITS You can claim your daily cash benefit in case of hospitalization for medically necessary treatment of any Illness or Injury for a minimum period of 48 hours payable from the first day for the duration of hospitalization. Hospital Cash Benefit The minimum daily cash benefit amount is Rs. 600 per day and the maximum daily cash benefit amount is Rs. 6,000 per day. The rider sum assured will be 250 times this daily cash benefit amount. ICU Benefit An additional 100% of the chosen daily cash benefit amount per day is paid for each day of stay in the intensive care unit (ICU) subject to the daily cash benefit being payable at the time of hospitalization. This ICU benefit is payable for hospitalization up to 15 days per policy year. This benefit amount is fixed per day benefit and will be paid irrespective of actual hospitalization expenses.

15 Recuperating Benefit A recuperating benefit which is a lump sum benefit and is equivalent to 3 times the chosen daily cash benefit will be payable for 7 or more days of continuous hospitalization for the same injury or disease, subject to the daily cash benefit being payable at the time of hospitalization. This benefit will be paid once in a policy year. This benefit is payable irrespective of whether the life insured is admitted to one or more hospitals during one and the same episode. This benefit is not payable if the life insured dies during hospitalization. Policy Limits You can claim 100 times the chosen daily cash benefit amount in one policy year and 250 times the chosen daily cash benefit amount in the entire policy term. DEFINITIONS Hospital Hospital means any institution established for indoor or in-patient care and day care treatment of sickness and/or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under: Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock; Has fully qualified doctor(s) in charge round the clock; Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to us Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Intensive Care Unit (ICU) Intensive Care Unit (ICU) means a specially equipped and designated ward in any hospital that is used for the sole purpose of the treatment of patients with a critical or exigent condition, and where the patient is under 24 hour care and monitoring, by a physician and specially trained nursing staff.

16 Medically Necessary Medically Necessary refers to a procedure, a treatment or a period of hospitalization which is ordered by a registered medical practitioner and Which is required for the treatment of a medical condition, and Appropriate and consistent with the symptoms and findings or diagnosis and Hospitalization Day treatment of the life insured medical condition, and Provided in accordance with generally accepted medical practice on a national basis, and Not of an experimental nature, not of an investigative nature and not in the nature of research If the life insured is hospitalized for medically necessary treatment of any illness or injury for a minimum period of 48 hours then the benefit will be payable from the first day for the duration of hospitalization. Day in hospital means a period of a full 24 hours during a period of confinement. The first day of confinement shall commence at the time of admission to the hospital and each subsequent Day shall commence 24 hours after the commencement of the previous day. In the event of the time of discharge of the life insured from the Hospital being more than 12 hours, but less than 24 hours from the end of the previous day, then the day of discharge shall also be regarded as a day. Pre-existing condition Pre-existing condition means a condition (illness or bodily injury) for which, prior to the issue date of the policy: The life insured had signs or symptoms, or Medical advice or treatment was recommended by or received from a physician, or The life insured had undergone medical tests or investigations Any congenital disorder, or related illness or complication arising out of or in connection with a pre-existing medical condition, shall be considered part of that pre-existing medical condition.

17 EXCLUSIONS The life assured will not be entitled to any benefits if a covered illness results either directly or indirectly from any one of the following causes: Any condition manifesting itself within 90 days from the policy issue date or revival thereof, whichever is later Any pre-existing disease and its complications AIDS, HIV related complications or any Sexually Transmitted Diseases Attempted suicide or self inflicted injury, irrespective of the mental condition Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc.

18 Any flying activity other than as a bonafide passenger Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner or as a result of abuse from any of these substances War, terrorism, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war Criminal, unlawful or illegal activity participation Exposure to radioactive or nuclear fuel Treatment taken outside India Psychiatric or mental illness Circumcision, any cosmetic procedures or plastic surgery

19 Pregnancy, childbirth or their complications, abortion, medical termination of pregnancy, infertility or sex change operation Organ donation (as a donor) Rehabilitation or convalescent care or length beyond customary length of stay Congenital conditions, genetic disorders or birth defects Dental Treatment except if arising from an accident Non-Allopathic treatment Purely investigative procedure not resulting in any treatment or elective procedures or unreasonable failure to seek medical advice Study and treatment of sleep apnoea Deliberate exposure to exceptional danger (except in an attempt to save human life) Excluded for first two policy years Specific waiting period of 2 years from policy issue date or revival date for conditions/ procedures mentioned below will apply for all benefits. Hernia Repair Corrective procedure for gall stones Corrective procedure for kidney or urinary tract stones Discectomy, Laminectomy Hemi / Partial Thyroidectomy Corrective procedure for anal fistula or anal fissure Removal of uterus, fallopian tubes and/or ovaries, except for malignancy Corrective procedure for fibroids, uterine prolapse, or dysfunctional uterine bleeding Corrective procedures for Haemorrhoids Cataract & joint replacement surgeries TERMS AND CONDITIONS Termination of rider You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated, discontinued or made paid-up. The rider benefit will also cease when the total claims paid equals 100% of the sum assured.

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21 Current Tax Benefits As per extant tax laws, under Section 80D of the Income Tax Act,1961, premiums up to Rs. 15,000 (Rs. 20,000 for senior citizens) are allowed as a deduction from your taxable income each year. Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws. Prohibition of Rebates - Section 41 of the Insurance Act, 1938 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 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 insurer. Non-Disclosure - Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

22 Birla Sun Life Insurance Surgical Care Rider We all hope to go through life without any health problems, but we all know the importance of planning for such eventualities. If and when that time comes, the high costs of hospitalization and surgeries should be the least of your concerns. BSLI Surgical Care Rider ensures the only thing your family has to think at that hour is about you. ELIGIBILITY CRITERIA Entry Age Rider Term Pay Term Pay Mode years Maximum age at the end of rider term is 70 years Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier Same as base plan Same as base plan Sum Assured* Minimum Rs. 1,50,000 Maximum Rs. 15,00,000 subject to maximum of 100% sum assured of the base plan * Subject to the total rider premiums on the base plan being no more than 30% of the base plan premium. You may opt for this rider only at the time of policy issue. RIDER BENEFITS If you are hospitalized for undergoing medically necessary surgery in India for a minimum period of 48 hours and actually undergo that surgery a lump sum benefit will be paid. You can choose your benefit amount from Rs. 3,000 to Rs. 30,000. The rider sum assured will be 50 times this benefit amount. Major Surgery For a surgery that directly involves brain, heart (including coronary arteries), liver or lung the benefit amount will be five times the chosen benefit amount. Other Surgery For any other valid surgical hospitalization the benefit will be equal to the chosen benefit amount. Policy Limits You can claim upto 10 times the chosen benefit amount in one policy year and upto 50 times the chosen benefit amount in the entire policy term.

23 IMPORTANT TO NOTE Hospital Hospital means any institution established for indoor or inpatient care and day care treatment of sickness and/or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under: Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock; Has fully qualified doctor(s) in charge round the clock; Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to us Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Medically Necessary Medically Necessary refers to a procedure, a treatment or a period of hospitalization which is ordered by a registered medical practitioner and Which is required for the treatment of a medical condition, and Appropriate and consistent with the symptoms and findings or diagnosis and treatment of the life insured medical condition, and Provided in accordance with generally accepted medical practice on a national basis, and Not of an experimental nature, not of an investigative nature and not in the nature of research Hospitalization If the life insured is hospitalized for medically necessary treatment of any illness or injury for a minimum period of 48 hours. Surgery Medically necessary procedure or intervention performed under the influence of general or spinal anesthesia by a qualified medical professional and as a result of reason for Hospitalization for minimum 48 hours and carried out through a natural orifice or

24 approached by the cutting or penetration of any part of the body to treat a disease, deformity or injury. Procedures which are only diagnostic or investigative in nature will be excluded from the scope of this definition. Pre-existing condition Pre-existing condition means a condition (illness or bodily injury) for which, prior to the issue date of the policy: The life insured had signs or symptoms, or Medical advice or treatment was recommended by or received from a physician, or The life insured had undergone medical tests or investigations Any congenital disorder, or related illness or complication arising out of or in connection with a pre-existing medical condition, shall be considered part of that pre-existing medical condition. EXCLUSIONS The life insured will not be entitled to any benefits if a covered surgery results either directly or indirectly from any one of the following causes: Any condition manifesting itself within 90 days from the policy issue date or revival thereof, whichever is later Any pre-existing disease and its complications AIDS, HIV related complications or any Sexually Transmitted Diseases Attempted suicide or self inflicted injury, irrespective of the mental condition Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc. Any flying activity other than as a bonafide passenger Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner or as a result of abuse from any of these substances War, terrorism, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war Criminal, unlawful or illegal activity participation Exposure to radioactive or nuclear fuel Treatment taken outside India Psychiatric or mental illness Circumcision, any cosmetic procedures or plastic surgery

25 Pregnancy, childbirth or their complications, abortion, medical termination of pregnancy, Infertility or sex change operation Organ donation (as a donor) Rehabilitation or convalescent care or length beyond customary length of stay Congenital conditions, genetic disorders or birth defects Dental treatment except if arising from an accident Non-Allopathic treatment Purely investigative procedure not resulting in any treatment or elective procedures or unreasonable failure to seek medical advice Study and treatment of sleep apnoea Deliberate exposure to exceptional danger (except in an attempt to save human life)

26 Excluded for first two policy years Specific waiting period of 2 years from policy issue date or revival date for conditions/ procedures mentioned below will apply for all benefits. Hernia Repair Corrective procedure for gall stones Corrective procedure for kidney or urinary tract stones Discectomy, Laminectomy Hemi / Partial Thyroidectomy Corrective procedure for anal fistula or anal fissure Removal of uterus, fallopian tubes and/or ovaries, except for malignancy Corrective procedure for fibroids, uterine prolapse, or dysfunctional uterine bleeding Corrective procedures for Haemorrhoids Cataract & Joint replacement surgeries TERMS AND CONDITIONS Termination of rider You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated, discontinued or made paid-up. The rider benefit will also cease when the total claims paid equals 100% of the sum assured.

27 Current Tax Benefits As per extant tax laws, under Section 80D of the Income Tax Act,1961, premiums up to Rs.15,000 (Rs.20,000 for senior citizens) are allowed as a deduction from your taxable income each year. Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws. Prohibition of Rebates - Section 41 of the Insurance Act, 1938 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 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 insurer. Non-Disclosure - Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

28 Birla Sun Life Insurance Waiver of Premium Rider There are many compelling reasons to purchase life insurance, but what would happen to your coverage in the event of an accident or unexpected illness. BSLI Waiver of Premium rider ensures your insurance benefits continue if you are unable to pay the premiums in the event any unforeseen calamities. ELIGIBILITY CRITERIA Entry Age Rider Term Pay Term Pay Mode years Maximum age at the end of rider term is 70 years Same as that of the base plan or till the attained age 70 of the life insured, whichever is earlier Same as base plan Same as base plan The total rider premiums on the base plan must be no more than 30% of the base plan premium. You may opt for this rider only at the time of policy issue. BENEFITS If you are unable to pay your premium in the event of financial difficulties arising due to the following: Proposer becomes completely disabled due to an illness or accident Proposer is diagnosed with any of the specified critical illnesses Death of the proposer (if not the life insured) Then BSLI will waive off all the future premiums of the base plan and the attached riders throughout the rest of the policy term or until the termination of the policy or till the attained age 70 of the proposer whichever is earlier. The benefit under this rider is payable only when the base plan is in effect. The cover under this rider will cease after a claim under this rider is paid, however, the cover under the base plan / other rider/s will continue.

29 DEFINITIONS Total and Permanent Disability The proposer shall be regarded as disabled and entitled to this benefit if due to illness, disease, injury or surgical operations s/he is totally and permanently unable, even with reasonable training, rehabilitation and/or job accommodation to engage in gainful employment in any occupation whatsoever. This disability should last for at least 180 days before being eligible for total and permanent disability benefits. Critical Illnesses We cover 4 major illnesses under this benefit - Heart Attack First occurrence of heart attack or myocardial infarction which means the death of a portion of the heart muscle as a result of an acute interruption of blood supply to the myocardium. The diagnosis must be based on a history of typical chest pain, new characteristic electrocardiographic changes proving infarction, and significant elevation of cardiac enzymes. Diagnosis must be confirmed by a consultant cardiologist. Angina is specifically excluded. Cancer A malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis must be histologically confirmed. The term cancer includes leukemia but the following cancers are excluded - All forms of lymphoma, Kaposi's sarcoma in the presence of any Human Immunodeficiency Virus Any skin cancer other than invasive malignant melanoma All tumors which are histologically described as pre-malignant, non-invasive or carcinoma in situ Stroke A cerebrovascular incident producing neurological sequelae of a permanent nature, having lasted not less than six months. Infarction of brain tissue, haemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. Excluded are - Transient ischemic attacks (TIA) Traumatic injury of the brain Vascular disease affecting only the eye or optic nerve or vestibular functions

30 Major Organ Transplant Actual undergoing of a transplant as a recipient of: Human bone marrow using haematopoietic stem cells, preceded by total bone marrow ablation; or; One of the following human organs: heart, lung, liver, kidney that resulted from irreversible end - stage failure of the relevant organ; Other stem-cell transplants are excluded. The undergoing of a transplant must be confirmed by a specialist medical practitioner. EXCLUSIONS The life insured will not be entitled to any benefits if a covered critical illness or disability results either directly or indirectly due to, or caused, occasioned, accelerated or aggravated by any of the following: Diseases in the presence of an HIV infection Any pre-existing or recurring disease which is diagnosed or which the proposer contracted prior to the policy issue date or the revival date of the policy, whichever is later Any disease occurring during the waiting period No payment will be made by us for any claim directly or indirectly caused by, based on, arising out of, or howsoever, to any illness or accident for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted before the start of the policy period, or for which a claim has or could have been made under any earlier policy Any congenital condition Intentional self-inflicted injury, attempted suicide, while sane or insane Alcohol or solvent abuse or intake of drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner Failure to seek or follow medical advice War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes Taking part in any naval, military or air force operation during peace time Where the proposer is engaged in aviation or aeronautics other than as a passenger on a licensed commercial aircraft operating on a scheduled route Participation by the proposer in a criminal or unlawful act

31 Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping Nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature TERMS AND CONDITIONS Termination of rider You are not allowed to opt out of the rider once availed. However, the rider benefit will cease immediately if the base plan is terminated, discontinued or made paid-up. Current Tax Benefits As per extant tax laws, this plan offers tax benefits under Section 80C and Section 10 (10D) of the Income Tax Act, Under Section 80C, premiums up to Rs. 100,000 are allowed as a deduction from your taxable income each year Under Section 10 (10D), the benefits you receive from this plan are exempt from tax, subject to mentioned exclusions

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33 Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws. Prohibition of Rebates - Section 41 of the Insurance Act, 1938 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 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 insurer. Non-Disclosure - Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

34 BIRLA SUN LIFE INSURANCE A COMING TOGETHER OF VALUES About Birla Sun Life Insurance Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading international financial services organisation from Canada. With an experience of over a decade, BSLI has contributed significantly to the growth and development of the Indian life insurance industry and currently is one of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovations. BSLI offers a complete range of offerings comprising of protection solutions, children's future solutions, wealth with protection, health and wellness as well as retirement solutions and has an extensive distribution reach over 500 cities through its network of over 600 branches, close to 1,40,000 empanelled advisors and over 700 partnerships with Corporate Agents and Banks. This is well supported by the sound financials that the Company has. The AUM of Birla Sun Life Insurance is close to Rs. 16,000 crs and it has a robust capital base of over Rs. 2,450 crs as on March 31, For more information, please visit About Aditya Birla Financial Services Group (ABFSG) The Aditya Birla Financial Services Group (ABFSG) has a significant presence across various verticals, including life insurance, insurance broking, mutual funds, private equity, security based lending, factoring, insurance advisory services, retail broking and distribution of third party products. The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Capital Advisors Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd., Aditya Birla Finance Ltd. and Birla Insurance Advisory & Broking Services Ltd. The ABFSG is committed to being a leader and role model in a broad based and integrated financial services business. Its 7 lines of businesses, with over 5.5 million customers manages assets worth USD 18 billion approximately and prides itself for having a talent pool of over 16,000 committed employees. ABFSG has its wings spread across more than 500 cities in India through 1600 branches and over 2,00,000 channel partners. This allows ABFSG to offer its customers virtually anything other than a savings or current account. With over a billion dollar revenue, ABFSG is a significant non bank player and one of the few players who have a top 5 position in both life insurance and mutual funds.

35 ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 3 billion conglomerate having leadership position across its manufacturing as well as services sector businesses. ABNL is a part of the Aditya Birla Group, a USD 29 billion Indian business house operating in 25 countries across the globe. About Sun Life Financial Inc. Sun Life Financial is a leading international financial services organisation providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2010, the Sun Life Financial group of companies had total assets under management of $435 billion. For more information, please visit DISCLAIMERS These riders are underwritten by Birla Sun Life Insurance Company Limited (BSLI). This brochure contains only the salient features of the rider. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For further details, please refer to the policy contract or call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true.

36 Call Toll-free: Insurance is the subject matter of the solicitation. Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai Reg. No.109. Accidental Death & Disability Rider UIN: 109C018V01. Critical Illness Rider UIN: 109C019V01. Hospital Care Rider UIN: 109C016V01. Surgical Care Rider UIN: 109C015V01. Waiver of Premium Rider UIN: 109C017V01. ADV/9/10-11/4173 VER 1/Sept/ 2010