IndiaFirst Money Back Health Insurance Plan Vs IndiaFirst Secure Save Plan

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1 Vs Hospitalisation Benefit 1. Hospitalization of insured is covered up to 1 % of the annual Sum Insured, maximum of Rs. 5000/ per day. 2. Room, boarding and nursing expenses as charged by the hospital where the insured availed medical treatment subject to the limit mentioned above. 3. ICU / ICCU is covered up to 2% of the annual Sum Insured or Rs. 10,000 / per day whichever is less. 4. Pre & Post Hospitalization Cover - 30days/60days Day Care Procedures 195 Maturity Benefit Fund Value as lump sum or defer the maturity period through Settlement Option Sum Assured + Simple Reversionary Bonus + Terminal Bonus(if any) Death Benefit Fund value as well as the proportionate morbidity charge for the uncovered period, in case of unfortunate demise of primary life assured, and the plan terminates. Sum Assured + Simple Reversionary Bonus(if any) + Terminal Bonus Proportionate morbidity charge for the uncovered period will be added back to

2 the fund and the plan will continue to be in force for the other life assured. Need Fulfillment Comprehensive unit linked health insurance plan, where you can cover yourself and your family under one plan. This plan also has a savings part attached to it, where you can invest in a variety of funds for optimum returns. This money accumulates in your fund and comes back to you on maturity or when you may need it over and above your insurance limits for health expenses you may incur beyond the reimbursable amounts or for ineligible hospital expenses. Secure your dreams with an insurance plan that offers you an assured amount plus additional returns in the form of bonus declared by the company, all tax free. The family is ensured of the sum assured plus all bonuses paid till date in case of the life assured s untimely demise, ensuring the financial security of his/ her loved ones. Type of Plan Unit Linked Health Traditional Plan(Online) Retirement Benefits Additional Rider No additional rider IndiaFirst Term Rider Minimum Sum Assured Rs 1,50,000 (Individual/ Family Floater) Rs. 1,00,000 Plan Term Regular Premium: 10 years Single Premium: 5 years Regular Premium: 10 to 30 years Minimum Premium Primary Life Assured: Regular Premium: Up to age 45 years Rs 10,000 ; Between 46 and 60 years Rs 14,200 Rs. 12,000 (Yearly)

3 Single Premium: Up to age 45 years last birthday Rs 30,000 ; Between 46 and 60 years Rs 37,500 Minimum Age At Entry Additional Life Assured: Regular Premium: Rs 900 Single Premium: Rs 9400 Primary Life Assured: 18 years as on Spouse and Parents: 18 years as on Children: 90 days 5 years as on Loan Facility Before 5 years: Maximum loan amount - a) 40% of the surrender value in those policies where equity accounts for more than 60% of the total share b) 50% of the surrender value of those policies where debt instrument accounts for more than 60% of total share After 5 years: Not allowed Maximum upto 90% of surrender value Partial Withdrawal Maximum Age At Entry Maximum Age At Maturity Withdraw partially after the fifth plan year. Partial Withdrawal is not allowed prior to completion of 5 plan years. However, in case of any hospitalization or day care benefit exceeds the sum assured eligible or in case of any ineligible hospitalization benefit, the balance amount or applicable the amount as the case may be can be taken from the fund value subject to withdrawal cap of up to cap of 10% of the fund value in a year. Primary Life Assured: 60 years as on Spouse and Parents: 65 years as on Children: 24 years Primary Life Assured: 70 years as on 65 years as on 75 years as on

4 Spouse and Parents: 75 years as on Children: 25 years Premium Paying Modes Regular Premium - Yearly Single Premium - One time Maximum Sum Assured Rs 5,00,000 (Individual); Rs 1,000,000 (Family Floater) Regular Premium: Monthly, Six monthly and yearly Rs. 20,00,00,000 Debt (Max) Balanced1 Fund: 30% to 50% Debt1 Fund: 70% to 100% Equity (Max) Equity1 Fund: 80% to100% Index Tracker Fund: 90% to 100% Balanced1 Fund: 50% to 70% Value Fund: 70% to 100% Money Market (Max) Equity1 Fund: 0% to 20% Balanced1 Fund: 0% to 20% Debt1 Fund: 0% to 30% Index Tracker Fund: 0% to 10% Value Fund: 0% to 30% Investment Funds Equity1 Fund, Debt1 Fund, Balanced1 Fund, Value Fund, Index Tracker Fund, Liquid1 Fund. Policy Administration Regular premium - 1.8% of first year s

5 Charges premium p.a inflating by 5% every plan year, subject to a maximum of Rs. 6,000 per annum. Single premium % of the single premium for the first ten years and 0% thereafter, subject to a maximum of Rs. 6,000 Fund Management Charges 1.35 % pa Premium Allocation Charges Premium Redirection Charges Regular Premium: 1 st year 13% 2 nd year onwards 2% Single Premium: 2% No charges Switching Charges Free for 24 switches a year Discontinuance/Surrender Charges Plan Discontinuance charge for plans having annualised premium up to Rs. 25,000 Yr1- Lower of 20%* (AP or FV) subject to max. of Rs.3000; Yr2- Lower of 15%* (AP or FV) subject to max of Rs.2000 Yr3 -Lower of 10%* (AP or FV) subject to max of Rs.1500 Yr4 -Lower of 5%* (AP or FV) subject to maximum of Rs.1000 Yr5- & above Nil GSV(Gross Surrender Value): 30% of total premium paid Less: i. First year premium ii. Any extra premium and rider premium, if any SSV(Special Surrender Value): Paid up value * SSV factor at the time of surrender The SSV factor will be determined by us from time to time

6 Discontinuance charge for plans having annualised premium above Rs. 25,000 Yr1-Lower of 6%* (AP or FV) subject to maximum of Rs.6000 Yr2-Lower of 4%* (AP or FV) subject to maximum of Rs.5000 Yr3-Lower of 3%* (AP or FV) subject to maximum of Rs.4000 Yr4-Lower of 2%* (AP or FV) subject to maximum of Rs.2000 Yr5 - Nil Partial Withdrawal Charges No Charges Minimum Partial Withdrawals Rs. 5,000 (after completion of 5 policy years) Maximum Partial Withdrawals Regular Premium: Up to 25% of the fund value, only if your fund is left with a minimum balance equal to 110% of your annual premium after the withdrawal Single Premium:

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