Star Health - Sathi

India's First Standalone Health Insurance Provider ñQ>ma hëo W AÊ° S> AbmBS© > BÝeaw Ýg H$§ nZr {b{‘Q>So > Amamo½¶ {då¶m{edm¶ OrdZ åhUOo... Protecting Health & Promoting Health JmS>rÀ¶m hoS>b°ån{edm¶ amÌr Ho$bobo ‘mJ©H«$‘U...! ’°${‘br hoëW Am°pßQ>‘m BÝewaÝg nm°{bgr AZ§V npãbHo$eZMo {g{ZAa {g{Q>PZ aoS> H$manoQ> nm°{bgr ¶§JñQ>ma BÝewaÝg nm°{bgr {ZdS>H$ ¶moOZm§Mr {dñV¥V ‘m§S>Ur ñQ>ma H$m°åàohopÝgìh BÝewaÝg nm°{bgr A°p³gS>|Q> Ho$Aa nm°{bgr A{^H$Vm© à{ejU hoVy ñQ>ma H$m{S>©¶mH$ Ho$Aa BÝewaÝg nm°{bgr ñQ>ma S>m¶~o{Q>H$ go’$ BÝewaÝg nm°{bgr (For Private Circulation Only) gwna ßbg JmoëS> ’°${‘br âbmoQ>a nm°{bgr ñQ>ma hm°pñnQ>b H°$e BÝewaÝg nm°{bgr Amamo½¶ g§OrdZr nm°{bgr ‘o{S>³bm{gH$ BÝewaÝg nm°{bgr tOLL fREE nOS. ñdmJV ‘ëy ¶ 1800-102-44-77 / 1800-425-22-55 200/- nmMdr Amd¥ËVr àOmgÎmmH$ {XZ {X. 26 OmZdo mar 2022 H$mn° ramBQ© > H$m¶ÚmV§ JV© gaw {jV. ^mfmV§ a / Pao m³° g / H$mn° r / gmeo b DISCLAIMER ‐ {‘S>r¶mda eAo a H$aʶmg à{V~{§ YV. àH$meH$, g§Ord AZ§V Hw$bH$Uu ¶m§Zr n[al‘nyd©H$ hr Amd¥Îmr àH$m{eV Ho$br Amho. {ddaUm~m~V AMyH$ AWm©gmR>r H§$nZrÀ¶m ‘yi B§J«Or n[anÌH$m§MmM AmYma ¿¶mdm.

‘o{S>³bo‘ ¶moOZm ’°${‘br âbmoQ>a ì¶{³VJV ‘o{S>³bo‘ d[aîR> ZmJ[aH$ H$ìha XwK©Q>Zm H$ìha H$‘©Mmar H$ìha J§^ra AmOmamda H$ìha ‘Yw‘oh H$ìha öX¶amoJ H$ìha H°$Ýga H$ìha ‘mV¥Ëd AmdaU ¶mÌm {d‘m Q>m°n An d nmoQ>}{~{bQ>r

\"H$iV§¶ nU diV Zmhr' Aer Amamo½¶ {då¶m~m~V nS>ë¶mg A{VXjVm {d^mJmV (Am¶gr¶w) CnMma H$adyZ ~hþVoH$ OUm§Mr AdñWm Amho. ‘moR>m AmOma hmoVmo, XwX£dr KoUo, Amdí¶H$ Vr Am¡fYo, B§Oo³eÝg ¶m gdmªÀ¶m AnKmV hmoVmo. ˶mdoir hm°pñnQ>b‘ܶo nwT>rb CnMmamgmR>r Amdí¶H$VoZwgma CnMma H$adyZ KoUo, ho {Xdg|{Xdg ‘hmJ OmdoM bmJVo. hm°pñnQ>b‘Yrb hmoUmè¶m CnMmamÀ¶m IMm©Mm hmoV Mmbboë¶m hm°pñnQ>b IMm©Mo à‘mU bjmV KoVm Ho$di A§XmO {Xë¶mda é½UmMo ZmVodmB©H$ a§{Og ¶oVmV. hm°pñnQ>bZo Amamo½¶ {då¶mÀ¶m ghmæ¶mZoM KoUo e³¶ Amho. Amamo½¶ {d‘m {dMmabo \"Amamo½¶ {d‘m Amho H$m ?' CËVa AWm©VM ZH$mamWu XoUmè¶m {d‘m H§$nZrÀ¶m \"H°$ebog' {Q´>Q>‘|Q> {‘iUmè¶m AgVo. EH$ gìh} gm§JVmo, Ho$di 5% ^maVr¶m§ZrM Amamo½¶{d‘m hm°pñnQ>b‘ܶo ê$½U XmIb Ho$ë¶mg ˶mbm \"H°$ebog' CnMma KoVbm Amho. {‘Ìhmo, ào‘mnmoQ>r é½Umda CnMma Va H$amdoM {‘iy eH$VmV. Va gyMr~mhoarb BVa hm°pñnQ>b‘ܶo CnMma bmJVmV. amJ ‘mZy ZH$m, g‘mOmbm XmI{dʶmgmR>r Var KoVë¶mg Reimbursement {‘iVo. é½Umda CnMma H$amdoM bmJVmV Am{U ¶oWyZ éJÊmmÀ¶m Hw$Qy>§~mÀ¶m Am{W©H$ nVZmbm gwédmV hmoVo. \"H$R>rU g‘¶ ¶oVm, Amamo½¶ {d‘m Amdí¶H$ Amho. Amamo½¶ {d‘m H$moU H$m‘mg ¶oVmo ?' ¶m g‘WmªÀ¶m C³VrMm à˶¶ ¶m¶bm {dH$Umè¶m AZoH$ gaH$mar d ImgJr {d‘m H§$nݶm AmhoV. ‘J bmJVmo. ‘J H$O©, {^í¶m, Xm{Jݶm§Mr ‘moS>VmoS>, àg§Jr ñWmda {d‘oXmamZo H$moU˶m H§$nZrH$Sy>Z {d‘m ¿¶mdm, ¶mMm {ZU©¶ ‘mb‘ÎmoMr {dH«$s... H$m¶ AZ² H$m¶... ZwgVr ggohmobnQ>, Zmhr KoVmZm gOJ am{hbo nm{hOo. H§$nZr gaH$mar Agmo d ImgJr, H$m ? {ZdS> H$aVm§Zm H§$nZr {H$Vr hm°pñnQ>bÀ¶m ‘mݶ gw{MV AmhoV ? Xmì¶mMo {ZamH$aU H$aʶmgmR>r ñdV:Mr ¶§ÌUm Amho H$s \"\"‘§S>ir, hm°pñnQ>b‘ܶo A°S>‘rQ> Pmë¶mda Amamo½¶ {d‘m KoVm VQ>ñW ¶§ÌUm (TPA) Amho ? Xmdm {ZnQ>mam Q>³Ho$dmar (Claim ¶oV Zmhr. doi {ZKyZ Jobobr AgVo !'' Settlement Ratio) H$moU˶m H§$nZrMm Mm§Jbm Amho ? H$moU˶m H§$nZrMo OmñV EO§Q> ~mOmamV Amnbo àm°S>³Q> Amamo½¶ {d‘m {dH$Umè¶m gaH$mar d ImgJr joÌmVrb {dH$VmV ? ¶mMr ehm{Zem H$éZ {ZU©¶ KoVbm Jobm nm{hOo. AZoH$ Zm‘m§{H$V H§$nݶm AmhoV. à˶oH$ H§$nZrMm àmS>³Q>Mm ¶mMr {M{H$Ëgm Ho$br nm{hOo. da Z‘yX Ho$bo AmhoM H$s T>mMm (Structure) H$mhrgm EH$M. ñdV:gmR>r Amamo½¶ {d‘m \"Am¶.Ama.S>r.E.' À¶m ‘mݶVoZwgma H§$nݶm àm°S>³Q> gmXa KoD$ eH$Vmo. nVr-nËZrgmR>r hmoD$ eH$Vmo Va nVr-nËZr d ‘wbo H$aVmV. n[aUm‘r, àm°S>³Q> EH$M nU Zmdo doJdoJir Agm (16 {Xdgm§nwT>rb d d¶ df} 25 À¶m AmVrb Z H$‘dUmar ‘wbo) àH$ma AgVmo. åhUyZ {M{H$Ëgm JaOoMr Amho. ‘m¶m ¶m ¶m§À¶mgmR>r hmoD$ eH$Vmo. {d‘oXmam§Mr d¶o, g§»¶m, ¶m§À¶m {dYmZmÀ¶m nwîR>¶W© EH$ J‘Vrera H$Wm ¶oWo CY¥V H$aVmo. AmYmao {à‘r¶‘ R>adbm OmVmo. hm°pñnQ>b H°$e ~o{Z{’$Q>, ‘oOa g{O©H$b ~o{Z[’$Q>, S>o Ho$Aa àmo{gOa ~o{Z{’$Q>, BVa eó{H«$¶m JmoîQ> ’$ma OwZr Amho. EH$Xm H$Zm©Q>H$mVrb EH$ Hw$Qy>§~ ~o{Z{’$Q>, A°åã¶wbÝg MmO}g Aem ñdénmV H§$nZrÀ¶m VwiOmnyabm ¶oVo. VwiOmnwamÀ¶m nwOmè¶mH$S>o Z¡doÚ, AmaVrgh YmoaUnaËdo {d‘m amerV {dMmamV KoD$Z bm^ {Xbo OmVmV. nyOm H$am¶Mr ‘ZmoX¶ 춳V H$aVo. ˶m§Mm Vm|S>r H$ama hmoVmo d ‘mVoMr nwaUnmoirMm Z¡doÚ d BVa gmonñH$mamgh nwOm Ho$br Amamo½¶ {d‘m Koʶmnydu hohr OmUyZ KoVbo nm{hbo H$s, OmVo. ¶O‘mZmbm nwaUnmoir ’$ma AmdS>Vo. ‘§S>ir àgÞ hmoVmV H$moU˶m AmOma qH$dm eó{H«$¶m hm Amamo½¶ {då¶mÀ¶m ‘mݶ d H$Zm©Q>H$mV naVVmV. EHo$ {Xder ¶O‘mZ Amnë¶m nËZrg gw{MV ¶oVmV / ¶oV ZmhrV. ¶m H$m‘r Amnbm gëbmJma nwaUnmoirMm ~oV H$é¶mV, Agm àñVmd R>odVmV. \"˶mV H$m¶ ! AmnUmg ‘XV H$arb. ha^am Xmi, Jwi d H${UH$ Va bmJVo.' Ago åhUyZ H$m‘mbm bmJVmV. ~mB© ha^am S>mi d Jwi KmbyZ nwaU V¶ma H$aVmV d gmܶm ‘bo[a¶mnmgyZ H$m{dirgma»¶m àg§Jr J§^ra H${UH$hr qV~VmV ! ê$n YmaU H$aUmè¶m AmOmamn¶ªV VgoM H$moU˶mhr AmOmar 춳Vrg Ho$ìhmhr hmoD$ eH$Vmo. Aemdoir hm°pñnQ>b‘ܶo H$UHo$Mm C§S>m H$éZ nwaUmV KmbVmV d nmoir A°S>‘rQ> hmoUo d Mm§Jbo CnMma H$adyZ KoUo JaOoMo AgVo. JaO 01

bmQ>m¶bm KoVmV. nmoir Hw$R>o O‘Vo ? H$go Ho$ë¶mZo nmoir V¶ma Health with claim number, if the insured is eligible. hmoB©b d VwiOmnwaÀ¶m nwOmè¶mÀ¶m ~m¶H$moZo H$m¶ Ho$bo Agob, ho AmR>dʶmMm Vo Hw$Qy>§~ à¶ËZ H$aVo. nmoir H$aUmar ór ~moS>Ir  Field visit will be done by STAR Health hmoVr. ho ˶m§Zm AmR>dVo d ho H$Zm©Q>H$s Hw$Qy>§~ Amnë¶m gYdm representatives. ~mB©Mo Ho$ednZhr H$aVo nU nmoir H$mhr O‘VM Zmhr. \"nwaUmV nmoir H$s nmoirV nwaU ?' ho {Z[ajU Z Ho$ë¶mMo ho ’$i Amho.  At the time of discharge, enhancement request from hospital for final bill settlement is sent to gm§Jm¶Mm ‘wÔm, Amnë¶m Amamo½¶ {d‘m gëbmJmamÀ¶m STAR Health. ‘XVrZo {dñV¥V MMm© H$ê$Z Amnë¶m JaOm bjmV KodyZ Mm§Jbm {d‘m H§$nZrMr {ZdS> H$amdr.  Enhancement is approved, patient gets discharged. AmVm Star Health & Allied Insurance Company Ltd. M H$m ? Va H§$nZrMo ~«rXM Amho - Claim Process (Reimbursement) Protecting Health and Promoting Health At Network Hospital or Non‐Network Hospital Unlimited Customer Satisfaction  Insured gets admitted in hospital and then  Zonal Offices ‐ 20  Area Offices ‐ 25 intimate to STAR Health through Toll‐Free number & obtain the claim number.  Branch Offices ‐ 662  Single Man Stations ‐ 670  Patient gets discharged after settling the hospital Cashless Claim = Within 1 Hour = 82 % bill and has to collect the following from the Within 2 Hours = 94 % hospital. Reimbursement Claims =  Original discharge summary with case sheet Payment within 7 Days = 88 %  Hospital bill with break‐up In House Claim Processing = \"We Design.. We Deliver.. We do not engage TPA\"  Investigation reports and films (X‐Ray, MRI, CT)  Award of Excellancy  Awards of Accolades  Medical bills and Prescriptions  12,000 + Network Hospital's Accross India.  All Payment Receipts ‘J ¶mnojm gag H$m¶ ?  Insured and doctor fills the Star Health claim form åhUyZ Vw‘Mm Amamo½¶mMm {d‘m Star Health & Allied and gets seal and sign from the Treating doctor. Insurance Company Ltd. H$Sy>ZM ¿¶m!  Submit all the above documents to STAR zonal / Claim Process (Cashless) At Network Hospital branch office within one week from the date of discharge.  Patient shows ID card to the hospital for cashess treatment either Planned / Emergency.  STAR Health settles the claims within 15 days by sending a DD or NEFT on insured name.  Hospital or Patient gets the claim number.  Hospital sends a request to STAR Health ‐ \"Pre‐ T>mo~i‘mZmZo {‘iUmao bm^ ({Z¶‘mZwgma d Authorization Form\" {Xboë¶m {à{‘¶‘À¶m à‘mUmV)  Pre‐Authorization form gets approved by STAR  Imobr ^mS>o  S>o Ho$Aa {Q´>Q>‘|Q>  A°Q>mo [añQ>moaoeZ  hoëW MoH$An  Am¶wf {Q´>Q>‘|Q> ({Z¶‘mZwgma)  Ad¶d à˶mamonU  àr A°ÊS> nmoñQ> hm°pñnQ>bm¶PoeZ 02

 EAa A°åã¶wbÝg 6) ‘o{S>H$bMo {àñH«$sßeZ ghr {e³H$mg{hV AgUo  ZdOmV {eewMm g‘mdoe ({Z¶‘mZwgma) Amdí¶H$ Amho.  S>obr H°$e ~o{Z{’$Q>  XwMmH$sMm AnKmV Pmë¶mg A{V[a³V {d‘m a³H$‘ 7) ‘o{S>H$bMo gd© {~b ‘o{S>H$bÀ¶m ghr {e³H$mg{hV  goH§$S> ‘o{S>H$b Amonr{Z¶Z AgUo Amdí¶H$ Amho. T>mo~i‘mZmZo Imbrb àg§Jr (³bo‘) Xmdm ZmH$mabm OmVmo 8) b°~ [anmoQ>© d ˶m§Mo {~b b°~Mo ghr {e³H$mg{hV AgUo Amdí¶H$ Amho.  nm°{bgr {XZm§H$mnmgyZ 30 {Xdgm§À¶m AmV Ambobm ³bo‘ (AnKmVmì¶{V[a³V) 9) S>m°³Q>am§À¶m gm§JʶmZwgma Ho$boë¶m {d{dY àH$maÀ¶m Vnmgʶm d ˶m§Mo {~b d [anmoQ>© ghr {e³H$mg{hV  nm°{bgr {XZm§H$mnmgyZ XmoZ dfmªÀ¶m AmV ‘mo{Vq~Xy, AgUo Amdí¶H$ Amho. J^m©e¶mMo AmOma, JwS>KmamonU, gm§YoamonU, ‘U³¶mMr MH$Vr gaH$Uo (AndmX - AnKmV), Y‘UrMo AmOma, 10) hm°pñnQ>b a{OñQ´>oeZ H$m°nr Amdí¶H$ AgVo, ‘mJdyZ KoUo Aëga, nwê$f J«§WtMr dmT>, h{Z©¶m, hm¶S´>mo{gb B. ³bo‘ (³bo‘ H°$ebog Zgë¶mg) Amë¶mg. 11) Amamo½¶ {d‘m nm°{bgr d H$mS>©Mr g§nyU© Poam°³g àV ³bo‘gmR>r Amdí¶H$ H$mJXnÌo OmoS>Uo Amdí¶H$ Amho. ñQ>ma hoëW BÝewaÝg H§$nZrMm Amamo½¶ {d‘m ³bo‘ Xmdm XmIb 12) NEFT n¡go Im˶mV dJ© hmoʶmgmR>r ~±H$ Im˶mMm H°$Ýgb H$aʶmgmR>r Amdí¶H$ H$mJXnÌo Imbrbà‘mUo AgUo MoH$ qH$dm ñnîQ> nmg~wH$ Poam°³g OmoS>Uo Amdí¶H$ Amho Amdí¶H$ Amho. (‘hËdmMo : darbà‘mUo gd© H$mJXnÌo d ˶mda ñdV:Mr ghr H$aUo. {‘imë¶mda ˶m§Mr g§nyU© EH$ goQ> Poam°³g H$mTy>Z d ‘wi H$mJXnÌm~amo~a H§$nZrH$S>o O‘m H$aUo Amdí¶H$ Amho.) 13) KYC Amnbo d noe§Q>Mo AmYmaH$mS>© d n°ZH$mS>© gmo~V OmoS>Uo d ˶mda ñdV:Mr ghr H$aUo Amdí¶H$ Amho. 1) AmnUmg H§$nZrZo {Xbobm ³bo‘ ’$m°‘© g§~§{YV (‘hËdmMo : darbà‘mUo gd© H$mJXnÌo {‘imë¶mda ˶m§Mr hm°pñnQ>bÀ¶m S>m°³Q>am§H$Sy>Z ì¶dpñWV[a˶m ghr d g§nyU© EH$ goQ> Poam°³g H$mTy>Z d ‘wi H$mJXnÌm~amo~a {e³H$mg{hV ^éZ AmUUo. H§$nZrH$S>o O‘m H$aUo Amdí¶H$ Amho.) 2) {S>ñMmO© H$mS>©da ghr d {e³H$m AgUo Amdí¶H$ Amho. - g§Ord Hw$bH$Uu 3) gd© Am¶nrS>r (IPD) nona ghr d {e³H$mg{hV AgUo AZ§V npãbHo$eZ Amdí¶H$ Amho. amhþar, {O. Ah‘XZJa 4) hm°pñnQ>bMo {~b ghr d {e³H$mg{hV AgUo Amdí¶H$ ‘mo. 9850102357 Amho. 5) hm°pñnQ>b‘ܶo ^aboë¶m {~bmMr nmdVr (Hospital Receipt) ghr {e³H$mg{hV AgUo Amdí¶H$ Amho. a³H$‘ é. 5000 nojm OmñV Agë¶mg EH$ én¶mMm aoìhoݶy ñQ>°ån bmdUo Amdí¶H$. 03

SpECIaL FaMILY MeDICLAIM ’°${‘br hoëW Am°pßQ>‘m BÝewaÝg d¡{eîQ>ço Xmdm Zgë¶mg {‘iUmam ~moZg (No Claim Bouns)  g§nyU© Hw$Qy>§~mgmR>r gm‘m{¶H$ {d‘mamer & g§nyU© ZwVZrH$aUmÀ¶m doir Xmdm Zgë¶mg n{hë¶m dfu {d‘m Hw$Qy>§~mgmR>r EH$M {d‘m hßVm aH$‘oda 25% ~moZg {Xbm OmB©b. Xwgè¶m dfmªnmgyZ nwT>o  Hw$Qy>§~ : nVr, nËZr d 3 ‘wbo (16 {Xdg Vo 25 dfmªn¶ªVMr à{Vdf© 10% ~moZg {Xbm OmB©b d OmñVrV OmñV nm°{bgrÀ¶m {d‘m aH$‘oEdT>m (100% ~moZg) {Xbm OmB©b. A{ddm{hV d Am{W©H$X¥îQ>çm Adb§~yZ AgUmar ‘wbo), AmB©-dS>rb, gmgy-gmgao Ad¶d à˶mamonU (Donor Expenses)  d¶mo‘¶m©Xm : d¶mo‘¶m©Xm 16 {Xdg Vo 65 df© d¶mÀ¶m 춳VtgmR>r {d‘m aH$‘oÀ¶m 10% qH$dm OmñVrV OmñV é. 1 bmImn¶ªV  Am¶wî¶^a ZwVZrH$aUmMr h‘r  60 dfm©nwT>rb 춳VrZo ZdrZ nm°{bgr KoVë¶mg 20% ZdOmV {eewMm {d‘m (New Born Baby Cover) H$mo-no‘|Q> bmJy hmoB©b. nm°{bgrbm 1 df© nyU© Pmë¶mZ§Va d ~mi OÝ‘mbm Amë¶mZ§Va nm°{bgrMo ’$m¶Xo 16 {Xdg nyU© Pmë¶mda ~mimbm nm°{bgr‘ܶo g‘m{dîQ> Ho$bo OmB©b. ({d‘m aH$‘oÀ¶m 10% d OmñVrV OmñV 50 hOmam§n¶ªV  H$‘rV-H$‘r 24 Vmg é½Umb¶mV ^aVr Pmë¶mg qH$dm ‘mo’$V {d‘m g§ajU {Xbo OmB©b.) ìhmdo bmJë¶mg Xmdm {Xbm OmB©b. A{V[a³V {d‘m H$ìha (Recharge Benefit)  Am¶.gr.¶w. (ICU) MmO}g, Z{gªJ IM©, VnmgUr IM©, Am¡fYm§Mm IM©, gO©Z MmO}g, H$ÝgëQ>§Q> MmO}g Am{U é. 4 bmI {d‘m aH$‘on¶ªV 25% A{V[a³V {d‘m H$ìha ‘mo’$V VÁkm§Mr ’$s. VgoM é. 5 Vo 25 bmI {d‘m aH$‘on¶ªV é. 1.5 bmImMm A{V[a³V {d‘m H$ìha ‘mo’$V.  A°åã¶wbÝg MmO}g EH$mdoir é. 750 d df©^amV OmñVrV OmñV é. 1500‐ n¶ªV {Xbo OmB©b. Am°Q>mo [añQ>moaoeZ (Auto‐Restoration) nm°[bgr H$mbmdYrV df©^amV ‘moR>çm ³bo‘‘wio {d‘m a³H$‘ AJmoXanmgyZ Agboë¶m AmOmam§gmR>r g§në¶mg Aݶ AmOmamgmR>r ˶mM 춳Vrg / KamVrb Aݶ 춳Vrg ³bo‘ KoʶmgmR>r {d‘m H$ìhaÀ¶m 100 % + 100 % + (PED / Pre Existing Disease) 100 % Ago VrZ doim A{V[a³V H$ìha KoVm ¶oB©b. ({Z¶‘ d AQ>r bmJy) ñQ>ma hoëW BÝewaÝg H§$nZrH$S>o gbJ 4 df© (48 ‘{hZo) nyU© Ho$ë¶mZ§Va {d‘m KoʶmAJmoXa AgUmè¶m d nm°{bgrV Z‘yX Imobr ^mS>o à{V {Xder (Room Rent) Ho$boë¶mM AmOmam§Zm g§ajU {Xbo OmB©b. {d‘m amer {‘iUmao Imobr ^mS>o àr Am{U nmoñQ> hm°pñnQ>bm¶PoeZ é. 4 bmImn¶ªV é. 5 hOmamn¶ªV à{V {Xdg (Pre & Post Hospitalisation) é. 5 Vo 25 bmImn¶ªV qgJb ñQ>°ÊS>S>© E.gr. (AC) é‘ hm°pñnQ>b‘ܶo ^aVr hmoʶmAmYr 60 {Xdgm‘ܶo ˶mM EAa A°åã¶wbÝg (Air Ambulance) AmOmamgmR>r H$mhr Am¡fYmonMmamgmR>r VgoM VnmgUrgmR>r IM© Ambm Agob Vmo {Xbm OmB©b. hm°pñnQ>b‘YyZ ~mhoa {d‘m aH$‘oÀ¶m 10% (’$³V 5 bmI d ˶m nwT>rb {d‘m Amë¶mZ§Va 90 {Xdgm§n¶ªV ˶mM AmOmamgmR>r Omo H$mhr aH$‘ogmR>rM) (é. 50,000 Vo é. 2,50,000 n¶ªV) Am¡fYmonMmamgmR>r IM© Ambm Agob Vmo {Xbm OmB©b. 04

SpECIaL FaMILY MeDICLAIM ’°${‘br hoëW Am°pßQ>‘m BÝewaÝg hoëW MoH$An (Health Check Up) gd© S>o Ho$Aa {Q´>Q>‘|Q> nm°{bgr‘ܶo H$ìha Ho$ë¶m OmVrb. ‘mJrb dfm©V H$moUVmhr ³bo‘ KoVbm Zgë¶mg goH§$S> ‘o{S>H$b Amo{n{Z¶Z Xadfu {‘iUmar a³H$‘ nwT>rbà‘mUo (Second Medical Opinion) {d‘m {‘iUmar {d‘m {‘iUmar H§$nZrÀ¶m [email protected] ¶m ‘ob a³H$‘ a³H$‘ a³H$‘ a³H$‘ Am¶S>rda Xwgao Amo{n{Z¶Z KoʶmgmR>r H$mJXnÌo nmR>{dë¶mg ‘mo’$V gëbm XoʶmV ¶oB©b. 3 bmI é. 750 15 bmI é. 2500 4 bmI é. 1000 20 bmI é. 3000 Am¶wf {Q´>Q>‘|Q> (Ayush Treatment) 5 bmI é. 1500 25 bmI é. 3500 10 bmI é. 2000 nm°{bgr‘ܶo (Am¶wd}{XH$ / ¶wZmZr / {gÜXm Am{U hmo{‘Amon°{WH$) hm°pñnQ>bm¶PoeZMm IM© {Xbm OmB©b. S>obr H°$e ~o{Z{’$Q> (Daily Cash Benifit) ˶mgmR>r {H$‘mZ 24 Vmg A°S>{‘Q> AgUo ~§YZH$maH$ (R>am{dH$ ‘¶m©Xon¶ªV) noe§Q> ZoQ>dH©$ hm°pñnQ>b‘ܶo A°S>{‘Q> Pmë¶mg VgoM ˶mZo go‘r ñnoeb é‘ (Q²>drZ eoA[a¨J é‘) KoVbr Agë¶mg ˶mg Xa Z {‘iUmao Xmdo : {Xdgmbm é. 800 à‘mUo (é. 3 bmI Vo 15 bmI {d‘m aH$‘ogmR>r) d é. 1000 à‘mUo (’$³V é. 20 d 25 bmI {d‘m Amamo½¶ {d‘m nm°{bgr KoVë¶mnmgyZ n{hë¶m 30 {Xdgm§n¶ªV aH$‘ogmR>r) ¶m à‘mUo ³bo‘ ì¶{V[a³V a³H$‘ {Xbr OmB©b. CX²^dboë¶m AmOmam§À¶m Am¡fYmonMmam§gmR>r ¶oUmam IM©. {Q´>Q>‘|Q> BZ ào’$S>© ZoQ>dH©$ hm°pñnQ>b (Treatment {d‘mYmaH$mZo nm°{bgr KoVë¶mnmgyZ n{hë¶m XmoZ dfm©V Z {‘iUmao Xmdo in Preferred Network Hospital) ‘mo{Vq~Xy, J^m©e¶mMo AmOma, H¥${Ì‘ JwS>Km ~gdʶmMr Oa noe§Q> ào’$S>© ZoQ>dH©$ hm°pñnQ>b‘ܶo A°S>{‘Q> hmoVmZm eó{H«$¶m, gm§YoamonU, ‘U³¶mMr MH$Vr gaH$Uo (AnKmV H§$nZrÀ¶m gëë¶mZwgma A°S>{‘Q> Pmë¶mg ˶mg dfm©VyZ EH$Xm ì¶{V[a³V BVa H$maUmZo H$amdr bmJë¶mg) Y‘ZrMo AmOma d {d‘m aH$‘oÀ¶m 1% qH$dm OmñVrV OmñV é. 5000/‐ A{V[a³V Aëga, nwéfJ«§WrMr dmT>, h{Z©¶m, hm¶S´>mogrb, ^J§Xa, {Xbo OmVrb. (³bo‘ ì¶{V[a³V d S>obr H°$e ~o{Z{’$Q>gmoSy>Z ‘wiì¶mY, gm¶Zmogm¶Q>rg d g§~§{YV AmOma, OÝ‘OmV A{V[a³V) A§VJ©V AmOma / 춧J, {nÎmme¶mVrb IS>o, ‘wVIS>m, H$mZmÀ¶m nS>ÚmMr eó{H«$¶m, Ho$gm§Mr dmT> AgUmao gm¶Zg, J^m©e¶ / XwMmH$s AnKmV Pmë¶mg A{V[a³V {d‘m a³H$‘ A§S>me¶ / AmoQ>r nmoQ>rMr gwO, {~ZmB©Z ñVZamoJ, ËdMoImbrb H°$Ýga Zgboë¶m JmR>r, Ma~rMr JmR>, ËdModa AmT>iUmar (Two wheeler road accident) JmR>, Zgm§À¶m AmdaUmbm ¶oUmar JmR>, Q>çw‘a JmR> B. XwMmH$s dmhZmMm AnKmV Pmë¶mg AnKmV Pmboë¶m 춳Vrg H$m¶‘ñdénr Z {‘iUmao Xmdo A{V[a³V {d‘m aH$‘oMr Amdí¶H$Vm Agë¶mg {d‘m aH$‘oÀ¶m 25% n¶ªV A{V[a³V {d‘m a³H$‘ {Xbr OmB©b. (é. 75 hOma {ZgJm}nMma, EImÚm AmOmamMr e§H$m ¶odyZ ˶mgmR>r H$mhr Vo é. 5 bmImn¶ªV Amnë¶m {d‘m aH$‘oZwgma) (dmhZ Vnmgʶm Ho$ë¶mZ§Va ˶m‘ܶo AmOma Z AmT>ië¶mg, MmbH$mg hoë‘oQ> d S´>m¶pìh¨J bm¶goÝg Amdí¶H$) OÝ‘OmV AmgUmao ~mø Xmof d ˶m‘wio hmoUmao AmOma {ZdmaUmgmR>r Pmbobm IM© VgoM gm¢X¶m©nMmam§gmR>r Ho$bobm S>o Ho$Aa {Q´>Q>‘|Q> (Day Care Treatment) IM©. Á¶mbm 24 Vmg A°S>{‘Q> amhUo ~§YZH$maH$ Zmhr Aem gd©À¶m 05

SpECIaL FaMILY MeDICLAIM ’°${‘br hoëW Am°pßQ>‘m BÝewaÝg B‘aOÝgr S>mo‘oñQ>rH$ ‘o{S>H$b Bìh¶mHw$EeZ ZmVodmB©H$mbm Ë`mMr S>oS>~m°S>r AmUÊ`mgmR>r é. 5000/‐ n`ªVMm IM© {Xbm OmB©b. (Emergency Domestic Medical Evacuation) é½U J§^ra AdñWoV AgVmZm ˶mbm EH$m hm°pñnQ>b‘YyZ Xmdm à{H«$`m (Claim Procedure) ~mhoaJmdr qH$dm Xwgè¶m hm°pñnQ>b‘ܶo VmËH$mi hbdm¶Mo Agë¶mg nwT>rbà‘mUo a³H$‘ {Xbr OmB©b.  hm°pñnQ>b‘Yo XmIb Pmë`mnmgyZ 24 Vmgm§À`m AmV 3 d 4 bmI {d‘m aH$‘ogmR>r é. 5000/‐ 1800‐102‐4477 / 1800‐425‐2255 `m Q>mob ’«$s 5 d 15 bmI {d‘m aH$‘ogmR>r é. 7500/‐ H«$‘m§H$mda Šbo‘ a{OñQ>a H$aUo (Xmdm Zm|X H$aUo) 20 d 25 bmI {d‘m aH$‘ogmR>r é. 10000/‐ ~§YZH$maH$ Amho. H$ån°eZoQ> Q´>°ìhb ~o{Z{’$Q>  H$ama~ÜX hm°pñnQ>b‘Ü`o (Agreed Network Hospital) XmIb Pmë`mda H°$ebog ³bo‘ goQ>b‘|Q>. (Compassionate Travel Benefit) noe§Q> J§^ra AdñWoV ~mhoaJmdr Agë¶mg ˶mbm  8200 nojm OmñV {deof H$ama~Õ hm°pñnQ>b‘Ü`o CnMma AmUʶmgmR>r EH$m OdiÀ`m ZmVodmB©H$mg é. 5000/‐ n`ªV KoÊ`mgmR>r àmYmÝ`. {d‘mZ {V{H$Q>mMm IM© {Xbm OmB©b. (’$³V {d‘m a³H$‘ 10 bmI Vo 25 bmImn`ªVÀ`m {d‘m aH$‘ogmR>r)  H$ama~Õ hm°pñnQ>b gmoSy>Z BVa hm°pñnQ>b‘Ü`o XmIb Pmë`mda [aE§å~g©‘|Q> ~o{ggda Šbo‘ goQ>b‘|Q> Ho$br BZ’${Q©>{bQ>r {Q´>Q>‘|Q> (ART) OmB©b. nm°{bgrbm 3 df© nwU© Pmë`mZ§Va ì`§Ü`Ëd {ZdmaU / H§$nZr (Company) {ZnwÌrH$VoÀ`m (Q>oñQ> Q>çw~ ~o~r) Am¡fYmonMmamgmR>r nwT>rbà‘mUo IM© {Xbm OmB©b. (hm ’$m`Xm é. 5 bmImÀ`m ñQ>ma hoëW AÊS> AbmB©S> BÝewaÝg H§$nZr {b{‘Q>oS> hr nwT>rb {d‘m aH$‘ogmR>r é. 1 bmImn`ªV d é. 10 bmI Vo 25 Amamo½` {d‘m joÌmV 2006 nmgyZ H$m`©aV Amho. ñQ>ma bmImn`ªVÀ`m {d‘m aH$‘ogmR>r é. 2 bmImn`ªV {Xbm OmB©b.) hoëWÀ`m g§nyU© ^maVmV 350 emIm AmhoV d 8200 nojm OmñV hm°pñnQ>bgmo~V H°$ebog gw{dYm XoÊ`mgmR>r ‘moVrq~Xy Am°naoeZgmR>rMm IM© H$ama~Õ AmhmoV. (Expenses for Cataract Operation) ’$m`Xo (Advanteges) {d‘m EH$m S>moù¶mgmR>r nm°{bgr H$mbmdYr‘ܶo  gd© ZoQ>dH©$ hm°pñnQ>b‘Ü`o H°$ebog Šbo‘ goQ>b‘|Q>.  8200 nojm OmñV hm°pñnQ>b ~amo~a H°$ebog Q>m`-An. a³H$‘ ‘¶m©Xm (df©^amV)  ñQ>ma hoëWÀ`m S>m°ŠQ>am§Mr àË`oH$ nm°{bgr YmaH$mg é. 3 bmI é. 25 hOmamn¶ªV é. 30 hOmamn¶ªV hm°pñnQ>b‘Ü`o AgVmZm ^oQ> (pìhOrQ>) d g„m.  24 x 7 gd© nm°brgr YmaH$m§Zm ’$moZdéZ d¡ÚH$s` g„m. é. 4 bmI é. 30 hOmamn¶ªV é. 45 hOmamn¶ªV  Q>r.nr.E. (T.P.A.) Zmhr Ë`m‘wio {dZm P§PQ> S>m`aoŠQ> é. 5 bmI é. 40 hOmamn¶ªV é. 60 hOmamn¶ªV H§$nZrH$Sy>Z Šbo‘ goQ>b‘|Q>.  BÝewaÝg nm°brgr KoÊ`mgmR>rÀ`m VnmgÊ`m (Pre‐ 10 Vo 25 bmI é. 50 hOmamn¶ªV é. 75 hOmamn¶ªV Acceptance Medical Tests) 51 dfm©nwT>rb ì`³VrgmR>r [anm{Q´>EeZ Am°’$ ‘m°Q>©b [a‘oÝg H§$nZrÀ`m IMm©Zo Ho$ë`m OmVrb. (Repatriation of Mortal Remains) noe§Q>Mm ~mhoaJmdr ‘¥Ë`y Pmë`mg Ë`mÀ`m OdiÀ`m 06

{d‘m amer 25 bmI 20 bmI 15 bmI 10 bmI 5 bmI 3 d 4 bmI é‘ ^mS>o qgJb ñQ>Ê° S>S>© E.gr. é‘ é. 5000 n`Vª Am`gr`w IM© àË`j Aå° ã`bw Ýg MmOg} EAa Aå° ã`bw Ýg é. 1500 n`Vª hmp° ñnQ>b‘Ü`o ^aVrndw uMm IM© hmp° ñnQ>b {S>ñMmO© ZV§ aMm IM© 2.5 bmImn`Vª 2 bmImn`Vª 1.5 bmImn`Vª 1 bmImn`Vª 50 hOmamn`Vª CnbãY Zmhr Amam½o ` VnmgUr (à{Vdfu) 60 {XdgmÀ`m AmVrb (Ë`mM AmOmamgmR>r H$o bbo m IM)© [aMmO© ~{o Z{’$Q> 90 {Xdgmn`Vª (Ë`mM AmOmamgmR>r H$o bbo m IM)© Zmo Šb‘o ~mZo g (n{hë`m dfu) é. 3500 n`Vª é. 3000 n`Vª é. 2500 n`Vª é. 2000 n`Vª é. 1500 n`Vª é. 750 / Zmo Šb‘o ~mZo g 1.5 bmImn`Vª 1000 n`Vª (Xgw è`m dfmnª mgZy ) OmñVrV OmñV Zmo Šb‘o ~mZo g é. 75 hOma / 1 bmI AmQ° >m[o añQ>mao eo Z S>bo r H$° e (Oa eAo [aJ¨ é‘‘Yo é. 6.25 bmI é. 5 bmI é. 3.75 bmI é. 2.5 bmI é. 1.25 bmI é. 75 hOma ^aVr Pmë`mg) é. 2.5 bmI é. 2 bmI é. 1.5 bmI é. 1 bmI é. 50 hOma /1 bmI {Q>´Q>‘Q| > BZ à’o $S>© ZQo >dH$© (ANH) hmp° ñnQ>b é. 30 hOma BZ’${Q>©{bQ>r {Q>´Q>‘Q| > (ART) / 40 hOma S>mZo a EŠgnÝo ggo E‘aOÝgr S>m‘o ño Q>rH$ é. 25 bmI é. 20 bmI é. 15 bmI é. 10 bmI é. 5 bmI é. 3 bmI ‘{o S>H$b Bìh¶mH$w EeZ / 4 bmI H$åne° ZQo > Q>´ì° hb ~{o Z{’$Q> [anm{Q>´EeZ Am’° $ ‘mQ° >b© [a’$o Ýg 100 % + 100 % + 100 % Am`fw {Q>´Q>‘Q| > ‘mVo rq~Xy Amn° aeo ZgmR>rMm IM© é. 1000/‐ à{V {Xdg é. 800/‐ à{V {Xdg (é. 5 bmI Vo 25 bmImn`Vª ) é. 5000/‐ é. 3000 / é. 4000 é. 2 bmImn`Vª 7500 n`Vª é. 1 bmImn`Vª 1 bmImn`Vª CnbãY Zmhr 10,000 n`Vª 50 hOmamn`Vª 30 d 40 hOma 5000 n`Vª 5000 n`Vª CnbãY Zmhr 5000 n`Vª 10000 n`Vª EH$ S>moù`mgmR>r EH$ S>moù`mgmR>r 20000 n`Vª 15000 n`Vª é. 40000 n`ªV é. 25 /30 EH$ S>mùo `mgmR>r é. 50000 n`Vª nyU© nm°{bgr hOmam`ªV nyU© nUy © nm{° bgr é. 75000 n`Vª é. 60000 n`ªV nm°{bgr é. 75 / 45 hOmamn¶ªV 07

sENIOR cITIZENS rED cARPET pOLICY {g{ZAa {gQ>rPZ aoS> H$manoQ> nm°{bgr Senior Citizen Red Carpet IM©, Am¡fYo {M{H$ËgogmR>r bmJUmao gm{hË` j-{H$aU, S>m`{b{gg, Ho$‘moWoanr, noa‘oH$a ñQ>|Q> B. Sum Insured À`m Snap Shot of the Features & Benefits OmñVrV OmñV 50% (àË`oH$ Hospitalization gmR>r) àdoemMo d¶ :- 60 df} Vo 75 df© ê$½Udm{hHo$Mm IM© CnbãY {d‘m n`m©` :- 2 bmI, 3 bmI, 4 bmI, 5 bmI,  2, 3 Am{U 4 bmIm§gmR>r EH$Xm XmIb H$aVmZm ê$. 600/- 7.5 bmI, 10 bmI, 15 bmI, 20 (nyU© nm°{bgr dfm©gmR>r ê$. 1,200/‐) bmI d 25 bmI  5 Vo 10 bmIm§gmR>r EH$Xm XmIb H$aVmZm ê$. 1,000/‐ nm°{bgrMm àH$ma :- d¡`{³VH$ 1 bmI Vo 25 bmI (nyU© nm°{bgr dfm©gmR>r- ê$. 2,000/‐) Family Floater 10 bmI Vo 25 bmI  15 Vo 25 bmImgmR>r EH$Xm XmIb H$aVmZm ê$. 1,000/‐ (nyU© nm°{bgr dfm©gmR>r ê$. 2,000/‐) nm°{bgrMm H$mbmdYr :- 1 df©, 2 df} qH$dm 3 df} ê$½Umb`mVyZ XmIb H$aÊ`mAmYrMo IM© ZyVZrH$aUmMr h‘r :- Vhh`mV (Life Long Renewal ê$½Umb`mVyZ XmIb H$aÊ`mAmYrMo 30 {Xdg Pmbobo IM© Hospitalization :‐ Gurantee) {‘iVrb. (Actual‐Revant to the Hospitalization) ê$½Umb`mV {H$‘mZ 24 Vmg XmIb ê$½Umb`mVyZ Discharge {‘imë`mda {‘iUmao IM© hmoUo Amdí`H$  ê$½Umb`mVyZ Discharge {‘imë`mda (Nursing / ê$½Umb`mVrb ImobrMo ^mS>o, ~mo{Sª>J Am{U Z{gªJ MmO}g (Xa {Xder) Sugeon / Consultant Fees, Diagnostic Expenses,  5 bmIm§n`ªVÀ`m nm°{bgrgmR>r - Sum Insured À`m 1%  5, 7.5 Am{U 10 bmIm§gmR>r ê$. 6000/‐ Drugs, Cost) À`m 7% 15 bmImgmR>r ê$. 7000/‐ 20 bmIm§gmR>r ê$. 8,500/‐  7.5 bmIm§n¶ªVÀ¶m nm°{bgrgmR>r OmñVrV OmñV ê$. 25 bmIm§gmR>r ê$. 10,000/‐  ICU ewëH$ :- 10 bmIm§n`ªVÀ`m nm°{bgrgmR>r Sum 5,000/‐ Insured À`m 2% à{V{XZ  10 Am{U 15 bmIm§gmR>r - OmñVrV OmñV ê$. 7,000/‐  15, 20 Am{U 25 bmIm§À`m nm°{bgrgmR>r - At Actuals  20 Am{U 25 bmIm§gmR>r - OmñVrV OmñV ê$. 10,000/‐ d¡ÚH$s` ì`mdgm{`H$ ewëH$ (Vk ewëH$mg{hV) Day Care Treatment Surgen, Anaesthetic, Medical Practioner, Consultant, gJù`m Day Care Treatment Mo IM© {‘iVrb. (Á`mgmR>r ê$½Umb`mV 24 Vmg amhmdo bmJV Zmhr.) Specialist Fees ‐ Sum Insured À`m OmñVrV OmñV 25% (àË`oH$ Hospitalization gmR>r) ‘mo{Vq~Xy eó{H«$`ogmR>rÀ`m ‘`m©Xm SI / Per Policy Period d¡`{º$H$ nm°{bgrgmR>r (Not BVa d¡ÚH$s` IM© Family Foater) ^wbrMo Am¡fY, a³V, Am°pŠgOZ, Amo.Q>r. ewëH$, gmYZm§Mo  2 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 15,000/‐  3 bmI SI gmR>r - H$‘mb a³H$‘ ê$. 18,000/‐  4 bmI SI gmR>r - H$‘mb a³H$‘ ê$. 20,000/‐ 08

sENIOR cITIZENS rED cARPET pOLICY {g{ZAa {gQ>rPZ aoS> H$manoQ> nm°{bgr  5 bmI SI gmR>r - H$‘mb a³H$‘ ê$. 21,500/‐ BVa ‘moR>çm eó{H«$`m  7.5 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 23,000/‐ Sub Limits ‐ Floater d¡`{º$H$ nm°{bgrgmR>r (Not Family  10 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 25,000/‐  15 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 30,000/‐ Foater)  20 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 35,000/‐  25 bmI SI gmR>r - H$‘mb a¸$‘ ê$. 40,000/‐ 2 bmI SI ê$. 1.2 bmI 3 bmI SI ê$. 1.5 bmI 4 bmI SI ê$. 2 bmI 5 bmI SI ê$. 2.25 bmI ‘moVrq~Xy eó{H«$`ogmR>r ‘`m©Xm 7.5 bmI SI ê$. 2.5 bmI 10 bmI SI ê$. 2.75 bmI 15 bmI. SI ê$.3 bmI 20 bmI SI ê$. 3.25 bmI SI / Per Policy Period Floater Policy ‐ Sub ‐ Limit 25 bmI SI ê$.3.5 bmI Person / Per Policy BVa ‘moR>çm eó{H$`m  10 bmI ê$. 25,000/‐ 45,000/‐  15 bmI ê$. 30,000/‐ 50,000/‐ Sub Limits ‐ Floatger Policy ‐ Sub ‐ Limit Person / Per  20 bmI ê$. 35,000/‐ 60,000/‐ Policy  25 bmI ê$. 40,0000/‐ 70,000/‐  10 bmI - ê$. 2.75 bmI / 4.5 bmI H$mhr Img eó{H«$`m CXm. öX`{dH$ma, H°$Ýga, {H$S>ZrMo AmOma qH$dm hmS>o VwQ>Uo  15 bmI - ê$. 3 bmI / ê$. 5 bmI ¶mgmR>rMo Sub Limits d¡¶{³VH$ nm°{bgrgmR>r (Not Family  20 bmI - ê$. 3.25 bmI / 5.5 bmI Foater)  25 bmI - ê$. 3.5 bmI/ 6 bmI 2 bmI SI ê$. 1.5 bmI 3 bmI SI é. 2 bmI 4 bmI SI é. 2.25 bmI 5 bmI SI é. 2.75 bmI OPD Benefit ‐ Network Hospital ‘Ü`o Joë`mg àË`oH$ 7.5 bmI SI é. 3 bmI 10 bmI SI é. 3.5 bmI Consultation gmR>r OmñVrV OmñV ê$. 200 (¶mZo SI 15 bmI SI é. 4 bmI 20 bmI SI é. 4.5 bmI Amnbr H$‘r hmoUma Zmhr) d¡`{º$H$ nm°{bgrgmR>r (Not 25 bmI SI - é. 5 bmI Family Foater) H$mhr Img eó{H$`m 3 bmI SI ê$. 600/‐ 4 bmI SI ê$. 800/‐ CXm. öX`{dH$ma, H°$Ýga, {H$S>ZrMo AmOma qH$dm hmS>o VwQ>Uo 5 bmI SI ê$. 1000/‐ 7.5 bmI SI ê$. 1200/‐ ¶mgmR>rMo Sub Limits ‐ Foater Policy ‐ Sub Limit Per 10 bmI SI ê$. 1400/‐ 15 bmI SI ê$. 1800/‐ 20 bmI SI é. 2200/‐ 25 bmI SI é. 2600/‐ Person / Per Policy OPD Benefit ‐ Network Hospital ‘ܶo Joë¶mg à˶oH$  10 bmI - ê$. 3.5 bmI / ê$. 6 bmI Consultation gmR>r OmñVrV OmñV é. 200/‐ (¶mZo SI  15 bmI - ê$. 4 bmI. / ê$. 7 bmI Amnbr H$‘r hmoUma Zmhr.) d¡¶{³VH$ nm°{bgrgmR>r (Floater  20 bmI - ê$. 4.5 bmI / ê$. 7.5 bmI Policy ‐ Sub‐Limit Person / Per Policy)  25 bmI - ê$. 5 bmI / ê$. 8.5 bmI  10 bmImgmR>r é. 1400/‐ Vo 2400/‐  15 bmImgmR>r é. 1800/‐ Vo 3000/‐  20 bmImgmR>r é. 2000/‐ Vo 3800/‐  25 bmImgmR>r é. 2600/‐ Vo 4400/‐ 09

sENIOR cITIZENS rED cARPET pOLICY {g{ZAa {gQ>rPZ aoS> H$manoQ> nm°{bgr 5 bmIm§darb d¡¶{³VH$ nm°{bgrgmR>r ‘mo’$V d¡ÚH$s¶ 12 ‘{hÝ`m§Mm àVrjm H$mbmdYr VnmgUr - à˶oH$ Claim Free dfm©Z§Va nm°{bgr KoVmZm nydunmgyZ (Pre Existin Diseases) ApñVËdmV 5 bmImgmR>r é. 1000/‐ 7.5 bmImgmR>r é. 1000/‐ Agboë`m AmOmam§Mm IM© nm°{bgrbm 12 ‘{hZo nyU© Pmë`mda 10 bmImgmR>r é. 2000/‐ 15 bmImgmR>r é. 2000/‐ {‘iob. 20 bmImgmR>r é. 2500/‐ 25 bmImgmR>r é. 2500/‐ H$m‘¶ñdénr Z {‘iUmao Xmdo :- ‘mo’$V d¡ÚH$s` VnmgUr - àË`oH$ dfm©ZVa gm¢X`m}nMma, AZo{‘`m, X§V{dH$ma (AnKmVm§ì`{V[aº$) Floater Policy ‐ Sub‐Limit Per Person / Per Policy OÝ‘OmV ~møXmof, ‘mZgmonMma, JamoXanU Am{U àgyVrer {ZJ{S>V CnMma, dOZ H$‘r H$aÊ`mMo CnMma, ñdV:hÿZ 10 bmI. ê$. 2000/‐ 3500/‐ Ho$bobr BOm (g{dñVa ‘m{hVrgmR>r H¥$n¶m Brochure ~Kmdo) 15 bmI- ê$. 2000/‐ 3500/‐ 20 bmI- ê$. 2500/‐ 4500/‐ nwT>rb AmOmam§Zr J«ñV Agboë`m ì`º$s¨Zm 25 bmI - ê$. 2500/ 4500/‐ nm°{bgr {‘iy eH$Uma Zmhr nydunmgyZ ApñVËdmV AgUmè`m öX`amoJ, {H$S>ZrMo {dH$ma, H|$Ðr` ‘‚mg§ñWoMo J§^ra AmOma, AmOmam§gmR>r (PED) Co‐Pay :‐ nm{H©$ÝgZ, AëPm`‘a, `H¥$VmMo J§^ra AmOma, COPD, Auto gd© PED À`m Xmì`m§gmR>r àË`oH$ Xmì`m§À`mdoir 50% Co‐Pay immune / Connective Tissue Disorders Requiring long bmJy hmoB©b. term steriods and immunosuppressant PED ì`{³VÀ`m Xmì`m§gmR>r Co‐Pay Sec 80 (D) ‘Ü`o {‘iUmar H$a gdbV PED ì`{V[a³VÀ`m àË`oH$ Xmì`m§À`mdoir 30% Co‐Pay bmJy 60 dfm©nwT>rb ì`º$s¨gmR>r ê$. 50,000/‐ ‘wbJm / ‘wbJr hmoB©b. Amnë`m nmbH$m§gmR>r {h nm°{bgr KoV Agë`mg Ë`mbm / {Vbm ê$. 50,000/‐ n`ªVMm H$abm^ {‘iy eH$Vmo. 15 bmI Am{U Ë`mdarb nm°{bgrgmR>r nm°{bgr KoÊ`mAmYrÀ`m d¡ÚH$s` VnmgÊ`m H$moUË`mhr Xmì`mÀ`mdoir gagH$Q> ’$º$ 30% Co‐Pay bmJy hmoB©b. nm°{bgr KoÊ`mAmYr H$moUVrhr d¡ÚH$s` VnmgUr Amdí`H$ Zmhr. 30 {Xdgm§Mm àVrjm H$mbmdYr nm°{bgr KoVë`mnmgyZ n{hë`m 30 {XdgmV AnKmVm§ì`{V[a³V H$moUË`mhr AmOmanUmgmR>r Claim {‘iUma Zmhr. 24 ‘{hÝ`m§Mm àVrjm H$mbmdYr n{hë`m 24 ‘{hÝ`mV nwT>rb AmOmanUm§gmR>rMo Claims {‘iUma ZmhrV - ‘mo{Vq~Xy, ‘yiì`mY, hm{Z©`m, H¥${Ì‘ JwS>Ko / gm§YoamonU (AnKmVm§ì`{V[aº$) ‘wVIS>m B. (nwU© `mXrgmR>r Brochure dmMmdo.) 10

yOUNG sTAR iNSURANCE pOLICY ¶§J ñQ>ma BÝewaÝg nm°{bgr nm°{bgrMr d¡{eîQ>ço VéUm§gmR>r Img V`ma Ho$bobr nm°{bgr - hßË`mMr gmonr nÜXV, AZoH$ d¡{eîR>çm§gh g§nyU© g§ajU nm°{bgrMo àH$ma nm°{bgr KoVmZmMo d` d¡`{³VH$ qH$dm ’°${‘br âbmoQ>a ì`³VrMm ‘Ü`mdYr g‘mdoe For Adults : 18 Years ‐ 40 Years For Dependent Children ‐ 91 Days to 25 Years ImÌrera ZyVZrH$aU nm°{bgrMm H$mbmdYr ZdrZ b¾ Pmboë`m/ZdOmV ~mbH$/H$m`Xoera[aË`m XÎmH$ KoVboë`m nmë`mgmR>r CnbãY ßb°Z CnbãY (gyMZm - b¾ Pmë`mnmgyZ 45 {Xdgm§À`m AmV/ XÎmH$ KoVë`mÀ`m Am{U hám ^aÊ`mMo n`m©` ZdOmVÀ`m OÝ‘mnmgyZ 90 {Xdgm§À`m AmV hm g‘mdoe H$aVm `oB©b) nm°{bgr KoÊ`mAmYr d¡ÚH$s` MmMUr AmOrdZ {d‘m n`m©` (Rs. in Lacs) EH$ df© Am{U XmoZ dfmªMo n`m©` CnbãY é½Umb`mVrb ImobrMo ^mS>o ICU ewëH$ Silver Plan & Gold Plan é½Udm{hHo$Mm IM© ‘m{gH$/Ì¡‘m{gH$/ghm‘mhr/dm{f©H$ Pre & Post Hospitalization Day Care Procedures JaOoMr Zmhr Star Wellness Program 18 3 5 10 15 20 25 50 75 1Cr dfm©darb ì`º$sgmR>r CnbãY (d¡`{º$H$) Single Private A/C Room (Actuals) Covered (Actuals) H$moUVrhr ‘`moXm Zmhr 1) Kê$Z BpñnVimV OmÊ`mgmR>r 2) EH$m BpñnVimVyZ Xwgè`m BpñnVimV é½Udm{hHo$Mm IM© OmÊ`mgmR>r 60 {Xdg Am{U 90 {Xdg (Actuals) gd© Day Care Procedures g‘m{dï> (Actuals) Wellness platform hm Am‘À`m ‘mo~mB©b A±n 'Star Power' & Customer Portal da CnbãY. {d{‘V ì`³Vr reward points À`m ‘mÜ`‘mVyZ hßË`mda 10% n`ªV gyQ> {‘idy eH$VmV. A{YH$ ‘m{hVrH$[aVm policy wording dmMm 11

yOUNG sTAR iNSURANCE pOLICY ¶§J ñQ>ma BÝewaÝg nm°{bgr hßË`mdarb gyQ> 36 dfmªÀ`m AmVrb ì`º$sZo nm°{bgr KoD$Z d`mÀ`m 40 n`ªV gbJ ({dZm I§S>) ZyVZrH$aU Ho$ë`mg - ZyVZrH$aU hßË`mda 10% gyQ>. hr gwQ> nwT>rb gd© hßË`m§Zm XoIrb bmJy Agob. Sum Insured 3 5 10 15 20 25 50 75 1Cr Options (Rs. in Lacs) (d¡`{º$H$) ‘mo’$V Amamo½` Individual (Rs.) 1500 2000 3000 3500 3500 3500 3500 3500 3500 VnmgUr (Xadfu) Floater (Rs.) NA 3000 4000 5000 5000 5000 5000 5000 5000 RTA A§VJ©V Á`m AnKmVm§‘wio BpñnVimV XmIb ìhmdo bmJbo Agob - XwMmH$sdarb Á`m A{V[a³V {d‘m a¸$‘ ì`º$sZo hoë‘oQ> KmVbo Agob Aem ì`³VrÀ`m AnKmVmgmR>r ‘yi {d‘m aH$‘oÀ`m 25% qH$dm OmñVrV OmñV é. 10 bmImn`ªV A{V[aº$ g§ajU àgyVrMo IM© àË`oH$ àgyVrgmR>r é. 30,000/‐ OmñVrV OmñV 2 àgyVr g‘m{dîQ>. à{Vjm H$mbmdYr - 36 ‘{hZo (Gold Plan) Hospital Cash àË`oH$ nyU© {Xdgmbm é. 1,000/‐ (EH$m hospitalization gmR>r OmñVrV OmñV Benfit (Gold Plan) 7 {Xdg d EH$m dfm©gmR>r 14 {Xdg) Xmdo Z Ho$ë`mg {‘iUmam àË`oH$ Xmdm‘w³V dfm©gmR>r 20% Agm OmñVrV OmñV 100% NCB O‘m hmoB©b. ~moZg (No Claim Bonus) SI nyd©dV hmoÊ`mMo ’$m`Xo (Auto Vw‘Mr {d‘rV a¸$‘ (SI + NCB) A§eV:/nyU© g§në`mda hr a¸$‘ CnbãY Agob. {h a¸$‘ Ë`m EH$m dfm©V nwT>rb H$moUË`mhr claim gmR>r dmnaVm `oB©b. Restoration Benefit) (Up to 100% Once in every policy year) à{Vjm H$mbmdYr H$moUË`mhr AmOmam§gmR>r 30 {Xdg (AndmX-AnKmV) àma§^rMm àVrjm H$mbmdYr R>am{dH$ AmOmam§gmR>r 1 df© For Pre‐existing diseases 1 df© 12

sTAR cOMPREHENSIVE iNSURANCE pOLICY ñQ>ma H$m°àopÝgìh BÝewaÝg nm°{bgr àdoemMo d¶ 18 df} Vo 65 df} (3 ‘{hZo Vo 25 df}, Am{W©H$ÑîQ>çm Adb§{~V ‘wbm§Zm H$ìha Ho$bo OmB©b.) d¡¶{³VH$ qH$dm ’°${‘br âbmoda nm°{bgrMm àH$ma 5 bmI Vo 1 H$amoS> {d‘m aH$‘oMo n¶m©¶ Hw$Qy>§~mVrb gXñ¶ g§»¶m 1A, 2A, 2A+1C, 2A+2C, 2A+3C, 1A+1C, 1A+2C, 1A+3C, Hw$Qy>§~mVrb 춳Vr nVr, nËZr Am{U OmñVr OmñV 3 An˶o 1 df©, 2 df} Am{U 3 df} nm°{bgr H$mbmdYr AmOrdZ ImÌrera ZyVZrH$aU ê$½Umb¶mV XmIb Pmbobm H$mbmdYr - {H$‘mZ 24 Vmg Amdí¶H$ Single Standard A/C room (g§nyU© ^maVmV Hw$R>ohr XmIb H$amdo bmJë¶mg) Hospitalisation At Actual ê$½Umb¶mVrb ImobrMo ^mS>o, ~mo{S>ªJ Am{U Z{gªJ MmO}g Surgeon, Anaesthetist, Medical Practioner, Consultant, ICU ewëH$ Specialist Fees ‐ Actual d¡ÚH$s¶ ì¶mdgm{¶H$ ewëH$ ^wbrMo Am¡fY, a³V, Am°{³gOZ, OT ewëH$, gmYZm§Mo IM©, Am¡fYo, {M{H$ËgogmR>r bmJUmao (Vk ewëH$mg{hV) gm{h˶, j-{H$aU, S>m¶{b{gg, Ho$‘moWoanr, nog‘oH$a ñQ>|Q> B. Actual dmñV{dH$, H$moUVrhr ‘¶m©Xm Zmhr BVa d¡ÚH$s¶ IM© g‘m{dîQ>, à{V ê$½Umb¶mV ê$. 2,50,000/‐ n¶ªV Am{U nm°{bgr dfm©gmR>r OmñVrV OmñV é½Udm{hHo$Mm IM© (EH$m ê$. 5,00,000/‐ n¶ªV nm°{bgr dfm©gmR>r) ê$½Umb¶mV XmIb H$aʶmAmYrMo 60 {Xdg Pmbobo IM© {‘iVrb (Actual ‐ Relevant hdmB© é½Udm{hHo$Mm IM© to the Hospitalisation) ê$½Umb¶mV XmIb H$aʶmAmYrMo IM© ê$½Umb¶mVyZ discharge {‘imë¶mda 90 {Xdg (Actual ‐ Consultant fees, ê$½Umb¶mVyZ discharge {‘imë¶mda {‘iUmao IM© Diagnostic Charges, Medicines and drugs ‐ relevant to Hospitalisation) Day Care gJù¶m Day Care Mo IM© {‘iVrb. (Á¶mgmR>r ê$½Umb¶mV 24 Vmg amhmdo bmJV Zmhr.) ‘mo{Vq~Xy H$moUVrhr ‘¶m©Xm Zmhr. SI À¶m ‘¶m©Xon¶ªV Pmbobm IM© {‘iy eH$Vmo. ‘mo{Vq~Xy eó{H«$¶ogmR>rÀ¶m ‘¶m©Xm SI / Per Episode / Per Policy Period 13

sTAR cOMPREHENSIVE iNSURANCE pOLICY ñQ>ma H$m°àopÝgìh BÝewaÝg nm°{bgr àgwVrgmR>r (Normal Delivery) 5 bmI = 15,000/‐, 7.5 bmI = 25,000/‐, 10 Vo 25 bmI = 30,000/‐, 50 bmI Vo {‘iUmao ’$m¶Xo :- Vw‘À¶m SI 1 H$amoS> = 50,000/‐ XmoZ dfmªMm à{Vjm H$mbmdYr Amdí¶H$. nm°{bgr ’°${‘br âbmoQ>a qH$dm NCB ì¶{V[a³V / d¡¶{³VH$ (nVr-nËZr) KoVbobr AgUo Amdí¶H$. àgwVrgmR>r (Caesarean 5 bmI = 20,000, 7.5 bmI = 40,000/‐, 10 Vo 25 bmI = 50,000/‐ 50 bmI Vo Delivery) {‘iUmao ’$m¶Xo :- 1 H$amoS> = 1,00,000/‐ XmoZ dfmªMm à{Vjm H$mbmdYr Amdí¶H$. nm°{bgr ’°${‘br âbmoQ>a Vw‘À¶m SI qH$dm NCB ì¶{V[a³V / d¡¶{³VH$ (nVr-nËZr) KoVbobr AgUo Amdí¶H$. ZdOmV ~mimMm Amamo½¶ {d‘m 5 bmI Vo 25 bmI ‐ 1,00,000/‐ d 50 bmI / 75 bmI / 1 H$amoS>gmR>r 2 bmIm§n¶ªV (àgwVrMm Xmdm KoVbm Agë¶mg ~mimMo OÝ‘OmV Xmofhr g‘m{dîQ> Ho$bo OmVrb.) ZdOmV ~mimÀ¶m bgrH$aUmgmR>r 5 bmI Vo 25 bmI - 5,000/‐ Am{U 50 bmI / 75 bmI / 1 H$amoS>gmR>r 10,000/‐ {‘iUmar a³H$‘ Xa VrZ dfmªZr nwT>rbà‘mUo a³H$‘ CnbãY Agob. 5 d 7.5 bmI -- gmR>r ê$. 5,000/‐ X§V{dH$ma Am{U ZoÌ{dH$mamgmR>r 10 bmI Vo 25 bmIm§n¶ªV - ê$. 10,000/‐, 50 bmI / 75 bmI / 1 H$amoS>gmR>r ê$. {‘iUmao ’$m¶Xo 15,000/‐ (hospitalization À¶m Xmì¶m‘wio ¶m ’$m¶Úmda H$moUVmhr n[aUm‘ hmoUma Zmhr.) ~møê$½U (OPD) gëbm - 5 bmI SI gmR>r ê$. 1200/‐, 7.5 bmI SI gmR>r ê$. 1500/‐, 10 bmI SI gmR>r Xadfu CnbãY (X§V Am{U ê$. 2100/‐, 15 bmI SI gmR>r ê$. 2400/‐, 20 bmI SI gmR>r ê$. 3000/‐, ZoÌ{dH$mam§ì¶{V[a³V) 25 bmI SI gmR>r ê$. 3300/‐, 50 bmI / 75 bmI / 1 H$amoS> SI gmR>r ê$. 5000/‐ (EH$mdoir ê$. 300 Mm ³bo‘ H$aVm ¶oB©b.) Hospital Cash (ê$½Umb¶mV 5 bmI SI gmR>r ê$. 500/‐, 7.5 bmI Am{U 10 bmI SI gmR>r ê$. 750/‐, 15 bmI XmIb Agboë¶m EHy$U Am{U 20 bmI SI gmR>r ê$. 1000/‐, 25 bmI SI gmR>r ê$. 1500/‐, 50 bmI / {Xdgm§gmR>r ³bo‘ ì¶{V[a³V 75 bmI / 1 H$amoS>gmR>r bmI SI gmR>r ê$. 2500/‐ {‘iUmar Xa {XdgmMr 5 bmI én¶m§gmR>r 2000/‐, 7.5 bmI én¶m§gmR>r 2500/‐, 10 bmI én¶m§gmR>r 3000/‐, ‘mo’$V Amamo½¶ VnmgUr - 15 bmI én¶m§gmR>r 4000/‐, 20 / 25 bmI én¶m§gmR>r 4500/‐, 50 bmI / 75 bmI / Xmdm‘w³V dfmªZ§Va 1 H$amoS>gmR>r 5000/‐ bÇ>nUm H$‘r H$aʶmMr 18 dfmªdarb CÀM a³VXm~mMm Ìmg Agboë¶m VgoM Amhma Am{U ì¶m¶m‘ Aem eó{H«$¶m (Bariatric Surgery) nma§nm[aH$ nÜXVrZohr dOZ H$‘r hmoV Zgë¶mg Aem 춳VtgmR>r 3 dfmªÀ¶m à{Vjm H$mbmdYrZ§Va surgeons À¶m gëë¶mZwgma ê$. 2,50,000/‐ Vo 5,00,000/‐ eó{H«$¶ogmR>r AnKmV {d‘m CnbãY Agob. Hw$Qy>§~mVrb EH$m gkmZ 춳VrMm AnKmVr ‘¥Ë¶y Pmë¶mg AWdm Vr 춳Vr nyU©nUo An§J Pmë¶mg Amamo½¶ {då¶mÀ¶m aH$‘oBVH$s a³H$‘ {‘iob. 14

sTAR cOMPREHENSIVE iNSURANCE pOLICY ñQ>ma H$m°àopÝgìh BÝewaÝg nm°{bgr ‘mo’$V d¡ÚH$s¶ gëbm Amnbr d¡ÚH$s¶ H$mJXnÌo [email protected] ¶oWo nmR>{dë¶mg ˶m H$mJXnÌm§À¶m AmYmao Amnë¶mbm email ìXmao ‘mo’$V d¡ÚH$s¶ gëbm {Xbm ê$½Umg KarM CnMma H$amdo OmB©b. Opinion for medical reasons and not for medico‐legal purposes bmJë¶mg {‘iUmao ’$m¶Xo (1) é½UmMr AdñWm é½Umb¶mV XmIb H$ê$ Z eH$ʶmBVH$s ZmOyH$ Agë¶mg. SI nyd©dV hmoʶmMo ’$m¶Xo (Auto (2) BpñnVimV Imoë¶m CnbãY Zgë¶mg (3) VrZ {Xdgm§nojm OmñV H$mi Kar BbmO KoVë¶mg Hospitalization g‘Obo OmB©b. Restoration Benefit) EH$m nm°{bgr dfm©V 100 Q>³Ho$ SI nyd©dV Ho$br OmB©b. hr a³H$‘ H$moU˶mhr Xmdo Z Ho$ë¶mg {‘iUmar AmOmam§gmR>r dmnaVm ¶oB©b. hr a³H$‘ nyU© SI Am{U NCB Mr a³H$‘ ewݶ A{V[a³V SI (No Claim Pmë¶mdaM CnbãY Agob. Bonus‐Max Accumulation) 5 bmI SI gmR>r : EH$m Xmdm‘w³V dfm©gmR>r 50% ‘yi SI À¶m OmñVrV OmñV 100 % a³H$‘ {‘iob. 7.5 bmI Am{U ˶mdarb SI gmR>r EH$m Xmdm‘w³V 60 dfmªdarb 춳Vr hr nm°{bgr dfm©gmR>r 100% ‘wi SI À¶m OmñVrV OmñV 100% a³H$‘ {‘iob. KoV Agë¶mg Co‐Pay bmJy hmoB©b 30 {Xdgm§Mm à{Vjm H$mbmdYr H§$nZrZo ‘§Oya Ho$boë¶m aH$‘oÀ¶m 10 Q>³Ho$ a³H$‘ ñdV:bm ^amdr bmJob. (à˶oH$ ³bo‘À¶m doir 10 % Co‐Pay bmJy hmoB©b.) 24 ‘{hݶm§Mm à{Vjm H$mbmdYr nm°{bgr KoVë¶mnmgyZ n{hë¶m 30 {XdgmV AnKmVmì¶{V[a³V H$moU˶mhr 36 ‘{hݶm§Mm à{Vjm H$mbmdYr AmOmanUmgmR>r ³bo‘ {‘iUma Zmhr. Owݶm AmOmam§Mm n{hë¶m 24 ‘{hݶmV nwT>rb AmOmanUm§gmR>rMo ³bo‘ {‘iUma ZmhrV. H$mbmdYr H$‘r H$aUo. ‘mo{Vq~Xy, ‘wiì¶mY, hm{Z©¶m, H¥${Ì‘ JwS>Ko / gm§YoamonU (AnKmVm ì¶{V[a³V), ‘wVIS>m B. (nyU© ¶mXrgmR>r Broucher dmMmdo.) nm°{bgr KoVmZm nydunmgyZ (Pre Existing Diseases) ApñVËdmV Agboë¶m AmOmam§Mm IM© nm°{bgrbm 36 ‘{hZo nyU© Pmë¶mda {‘iob. (nm°{bgr gbJ 36 ‘{hZo doioV ZyVZrH$aU H$aUo Amdí¶H$) Owݶm AmOmam§gmR>r 36 ‘{hݶm§Mm à{Vjm H$mbmdYr Agob na§Vw hm H$mbmdYr 24 ‘{hݶm§Zr H$‘r H$ê$Z ’$³V 12 ‘{hZo H$aʶmMr VaVyX Amho, ˶mgmR>r d¶mZwgma {à‘r¶‘da 20 % Vo 50 % bmoS>tJ ewëH$ bmJy. 15

aCCIDENT cARE pOLICy A°p³gS>|Q> Ho$Aa nm°{bgr AmOÀ`m `m YH$mYH$sÀ`m (doJdmZ MmbUmè`m) `wJmV XaamoO  1 df©, 2 df©, 3 dfmªMm {à{‘`‘ gmo~V ^aÊ`mMr gw{dYm Xa VrZ {‘{ZQ>mZ§Va EH$ (1) AnKmVr ‘¥Ë`y AmoT>dVmo. àË`oH$ (2 df© qH$dm 3 dfmªMm gmo~V {à‘r`‘ ^aë`mg {à{‘`‘ {Xdgmbm 400 nojm OmñV OUm§Mm ‘¥Ë`w hmoVmo. VgoM, Xa H$‘r bmJVmo.) {Xdgmbm 200 OUm§Zm H$m`‘ñdê$nr An§JËd `oV Amho. dmT>Vr dmhVwH$, Anwar d ~o{eñV añË`m§Mr gw{dYm `m‘wio darb  g§nyU© Hw$Qw>§~mgmR>r EH$Ì nm°{bgr KoVë`mg {à‘r`‘‘Ü`o AmH$S>odmarV {Xdg|{Xdg dmT> hmoV Amho. 10% gwQ>. Oa Amnë`m KaÀ`m§g‘moa Agm àg§J C^m am{hbm Va ?  bmB©’$$ Q>mB©‘ [a{Zìhb J°a§Q>r (Am`wî`^a ZwVZrH$aUmMr h‘r) AmnUm gdmªZm Amnë`m Hw$Qy>§~mgmR>rMr O~m~XmarMr ‘m{hVr Agm`bmM hdr.  {dZm P§PQ> Šbo‘ goQ>b‘|Q> Amnbo AgUmao CÎmaXm{`Ëd åhUOo ?  Amnë`m ‘m{gH$ CËnÞmZwgma é. 7 H$moQ>rn`ªV {d‘m g§ajU KoVm `oB©b. Amnbr ‘wbo, nËZr, AmB©dS>rb `m§À`m Amnë`mda AgUmè`m O~m~Xmè`m d Amnbo Ë`m§À`màVr AgUmao H$V©ì`. Amnë`m nm°{bgrMo ’$m`Xo níMmV (‘¥Ë`wZ§Va) Amnë`m Hw$Qw>§~mg dmT>Vr ‘hmJmB©, {ejU, ì`dgm`, b¾ d BVa AMmZH$ CX²^dUmè`m IMm©g Vm|S>  AnKmVr ‘¥Ë`w Ambm Va 100% {d‘m a³H$‘ dmagmbm XoÊ`mgmR>r nwaoer a³H$‘ AgUo Amdí`H$ Amho. VgoM, {‘iob. Amnë`m níMmV (AnKmVr ‘¥Ë`wZ§Va) AmnU H$mT>bobo H$O© d Ë`m H$Om©Mr naV’o$S> d XoUr, Aem AZoH$ JmoîQ>r... Amnë`m  AnKmVr nyU© An§JËd Ambo Va 100% {d‘m a³H$‘ {Xbr níMmV XoIrb AmnU AmO H$‘dVmo BVH$m CËnÞmMm ómoV OmB©b. Amnë`m dmagXmam§gmR>r H$ê$Z R>odUo. `m gdmªda Cnm` åhUyZ Amåhr AmnUmgmR>r AË`§V H$‘r IMm©V Amnë`m gd©  AnKmVr AY© An§JËd Ambo Va 50% {d‘m a³H$‘ {Xbr O~m~Xmè`m nma nmSy> eHo$Z Aer AnKmVr {d‘m nm°brgr gmXa OmB©b. H$arV AmhmoV.  earamÀ`m Ad`dmVrb AYm© ^mJ (AYm© hmV qH$dm AYm© nm°{bgrMr d¡{eîQ>ço nm`) 25% {d‘m a¸$‘ AmnUmg {‘iob.  d` df} 18 Vo 70 d`moJQ>mgmR>r EH$ gmaImM hßVm.  hmVmMm {H$dm nm`mMm A§JR>m Joë`mg 10% VgoM ~moQ> nyU© Joë`mg 7 % d ~moQ>mMm WmoS>m ^mJ (noa) Joë`mg 2%  dëS>© dmB©S> H$ìha - åhUOoM ~mhoarb XoemV Oar {d‘m a¸$‘ {Xbr OmB©b. AnKmVr ‘¥Ë`y Pmbm Var Šbo‘ {Xbm OmB©b. hm°pñnQ>b H°$e  Zm°Z ‘o{S>H$b nm°{bgr - `mgmR>r AmnUmg H$moUË`mhr ‘o{S>H$b VnmgUrMr JaO Zmhr. ‘moR>çm AnKmVmZo Oa hm°pñnQ>b‘Ü`o A±S>{‘Q> Agë`mg à{V {XZ ê$. 1000/‐ à‘mUo. A±S>{‘Q> Amho {VVHo$ {Xdg hm°pñnQ>b  Zmo BÝH$‘ àw’$ - 50 bmI {d‘m aH$‘on`ªV H$moUË`mhr H°$e ~o{Z{’$Q> {Xbm OmB©b. (EH$m doiog OmñVrV OmñV 15 BÝH$‘ àw’$Mr Amdí`H$Vm Zmhr. Amnë`m ‘m{gH$ {Xdg d g§nwU© dfm©gmR>r OmñVrV OmñV 60 {Xdgm§n`ªV) CËnÞmÀ`m 180 nQ> {d‘m g§ajU KoD$ eH$Vmo. CXm - ‘m{gH$ CËnÞ 30,000 x 180 = 54,00,000 hmo‘ H$ZìhoÝg : hm°ñnrQ>b‘YyZ {S>ñMmO© {‘imë`mda S>m°ŠQ>am§Zr Kar Oa EImÚm Z{gªJ A{gñQ>§Q>Mr Amdí`H$Vm Agob Va Z{gªJ MmO}g åhUyZ ê$ 500 àVr {XZ `m à‘mUo {Xbm OmB©b. (EH$m doiog OmñVrV OmñV 15 {Xdg d g§nwU© dfm©gmR>r OmñVrV 16

OmñV 60 {Xdgm§n`ªV) aCCIDENT cARE pOLICy {ejU ghmæ` A°p³gS>|Q> Ho$Aa nm°{bgr AnKmVmV nm°brgrYmaH$mMm (H$Vm© ì`º$sMm) ‘¥Ë`w Pmë`mg OmB©b. EdT>m gJim H$ìha, EdT>çm gmo¶r d gw{dYm Vo nU EH$m ‘wbmg é. 10,000 d XmoZ ‘wbm§gmR>r é. 20,000 VmËH$mi EH$mM nm°brgrV d Vohr ’$º$ AmnU H$arV Agboë`m Mhm {ejU ghmæ` {Xbo OmB©b. qH$dm ì`gZmÀ`m IMm©V... Va H$m Zmhr AmnU ñdV:Mr d Amnë`m Hw$Qw>§~mMr nm°{bgr H$ê$Z ¿`mdr d Amnë`m {‘Ìm§Zmhr Q>m§ÝgnmoQ>}eZ Am°’$ ‘m°Q>©b [a‘oÝg nm°{bgr KoÊ`mgmR>r g„m Úmdm. AnKmV Pmboë`m {R>H$mUmdéZ ‘¥VXoh AmUÊ`mgmR>r é. AmVm AmnU EH$ CXmhaU ~Kw 5000/‐ n`ªVMm IM© {Xbm OmB©b. ‘mPo AmOMo ‘m{gH$ CËnÞ é 30,000 d ‘r Oa 50 bmImMr Q´°ìhb EŠgnoÝgog Am°’$ dZ [aboQ>rìh nm°brgr KoVbr Am{U Xod Z H$amo ‘mPm AnKmVr ‘¥Ë`w Pmbm Va ‘mÂ`m dmagXmambm 50 bmI én`o {‘iVrb d Vo n¡go KoD$Z ‘¥VXoh AmUÊ `mgmR>r EH$m ZmVodmB©H$mbm àdmg IMm©gmR>r Ë`mZo ~±Ho$V Oar 8% qH$dm 9% ì`mOXamZo E’$.S>r. ‘Ü`o R>odbo nm°{bgrÀ`m 1% qH$dm OmñVrV OmñV é. 50,000 n`ªV IM© Va AmO ‘r {OVHo$ ‘m{gH$ CËnÞ H$‘dVmo Ë`mEdT>o ‘mÂ`m {Xbm OmB©b. níMmV AnKmVr ‘¥Ë`yZ§Va KaÀ`m§Zm {‘iy eHo$b. (50,00,000 x 8% X.gm.X.eo. 4,00,000 dm{f©H$ ì`mO/12 ‘{hZo. - é BånmoQ>|S> ‘o{S>grZ AmUÊ`mgmR>rMm IM© 33,333/‐) VgoM ‘r Oa H$mhr H$O© H$mT>bobo AgVrb Va Šbo‘À`m EdT>`m ‘moR>çm aH$‘oVyZ dmagXmambm H$Om©Mr XoIrb AnKmVr CnMma Xaå`mZ {dXoemVyZ H$mhr Am¡fYo ‘mJdmdr naV’o$S> H$aVm `oD$ eH$Vo. Va `m gd© Amnë`m Am{W©H$ bmJë`mg Ë`mMm Hw$[aAagmR>r bmJUmè`m IMm©nmoQ>r {d‘m VaVwXtgmR>r AmOM Amnë`m Amamo½` {d‘m g„mJmambm g§nH©$ aH$‘oÀ`m 5% qH$dm OmñVrV OmñV é. 20,000 {Xbo OmVrb. H$am. naMog Am°’$ ãbS> AnKmV Pmë`mZ§Va aº$mMr JaO nS>VoM Ë`mgmR>r {d‘m aH$‘oÀ`m 5 % qH$dm OmñVrV OmñV 10 hOmamn`ªV IM© {Xbm 17

sTAR cARDIAC cARE iNSURANCE pOLICY ñQ>ma H$m{S>©¶mH$ Ho$Aa BÝewaÝg nm°{bgr nm°{bgr KoVmZmMo d` 10 df} Vo 65 df} nm°{bgr KoÊ`mg nmÌ ì`³Vr 1) Undergone Percutaneous Transluminal Coronary Angioplasty ‐ nm°{bgrMm àH$ma PTCA or Coronary Artery Bypass Graft (CABG) ‐ Within 7 years CnbãY {d‘m n¶m©¶ 2) Artial Septal Defect ‐ ASD or Ventricular Septal Defect ‐ VSD ‐ nm°{bgrMm H$mbmdYr Corrected. 3) Patent Ducutus Arteriosus (PAD) ‐ Treated. 4) RF ZyVZrH$aUmMr h‘r Ablation or RF Ablation done to correct Cardiac Condition. ZyVZrH$aUmdoir Grace Period 5) Angiogram done ‐ But intervention not found necessary. ^mJ 1 (Section ‐1) é½Umb¶mVrb ImobrMo ^mS>o d Z{gªJ MmO}g d¡`{³VH$ d¡ÚH$s` ì¶mdgm{¶H$ ewëH$ (Vk ewëH$mg{hV) 3 bmI, 4 bmI BVa d¡ÚH$s` IM© 1 df© é½Udm{hHo$Mm IM© Vhh`mV (Life Long Renewal Gurantee) é½Um¶mV XmIb H$aʶmAmYrMo IM© é½Umb¶mVyZ discharge {‘imë¶mda {‘iUmao IM© 30 {Xdg (’$³V nm°{bgr gbJ MmbʶmMm {‘idÊ`mgmR>r Waiting Period, ^mJ ‐ 2 (Section ‐2) GOLD PED Coverage) ^mJ ‐ 2 (Section ‐2) SILVER öX`{dH$mamì¶{V[a³V BVa AmOma / AnKmVmgmR>r é½Umb¶mV XmIb H$amdo bmJë¶mg Xa {Xder OmñVrV OmñV é. 5,000/‐ Surgeon, Anasthetist, Medical Practioner, Consultant, Specialist Fees ‐ Actual ^wbrMo Am¡fY, a³V, Am°p³gOZ, OT ewëH$, gmYZm§Mo IM©, Am¡fYo, {M{H$ËgogmR>r bmJUmao gm{h˶, j-{H$aU, S>m¶{b{gg, {H$‘moWoanr, nog‘oH$a, ñQ>|Q> B. Actual EH$Xm XmIb H$aVmZm é. 750; nyU© nm°{bgr dfm©gmR>r é. 1500/‐ é½Umb¶mV XmIb H$aʶmAmYrMo 30 {Xdg Pmbobo IM© {‘iVrb. (Actual ‐ Relevant to the Hospitalisation) é½Umb¶mVyZ discharge {‘imë`mda 60 {Xdg (nursing, surgeon / consultant fees, diagnostic expenses, drugs cost À`m 7 Q>³Ho$ qH$dm OmñVrV OmñV é.5000/‐) n°Ho$O aoQ>À`m Xmì¶mÀ¶m doir ImobrMo ^mS>o é. 5000/‐ J¥hrV Yabo OmB©b. 1) öX`{dH$mam§gmR>r eó{H«$¶m H$amdr bmJë¶mg. (2) öX¶{dH$mamgmR>r eó{H«$¶m Z H$aVm é½Umb`mV XmIb hmoD$Z CnMma ¿¶mdo bmJë`mg XmoÝhr n[apñWVrV Xmdo {‘iy eH$Vrb. öX¶{dH$mam§gmR>r eó{H«$¶m H$amdr bmJë¶mg Xmdo {‘iy eH$Vrb. öX¶ {dH$mam§gmR>r eó{H«$¶m Z H$aVm é½Umb`mV XmIb hmoD$Z CnMma ¿`mdo bmJë`mg Xmdo {‘iUma ZmhrV. 18

sTAR cARDIAC cARE iNSURANCE pOLICY ñQ>ma H$m{S>©¶mH$ Ho$Aa BÝewaÝg nm°{bgr GOLD d SILVER gmR>r 1) é½Umb¶mV ImobrMo ^mS>o, öX`{dH$mam ì¶{V[a³V BVa AmOma / AnKmVmgmR>r ~mo{S>ªJ d Z{gªJ MmO}g. 2) d¡ÚH$s` ì¶mdgm{¶H$ ewëH$ é½Umb¶mV XmIb H$amdo bmJë¶mg (Vk ewëH$gh) 3) BVa d¡ÚH$s` IM© 4) é½Udm{hH$m IM© 5) é½Umb¶mV XmIb H$aʶmAmYrMo IM© 6) é½Umb¶mV discharge {‘imë¶mda {‘iUmao IM© ^mJ ‐ 3 (Section‐3) ~møé½U CnMma (OPD) gmR>r EH$m doiÀ`m ‘mJ©Xe©ZmgmR>r OmñVrV OmñV é. 500 EH$m nm°{bgr dfmm©V OmñVrV OmñV é. 1500/‐ hr a³H$‘ {d‘m aH$‘oVyZ {Xbr OmB©b. ^mJ ‐ 4 (Section‐4) d¡¶{³VH$ AnKmV {d‘m Amamo½¶{då¶mÀ¶m aH$‘oBVH$s a³H$‘ AnKmVr ‘¥Ë¶y Pmë¶mg Xo¶ Agob. Day Care 405 day care procedures covered ‘mo{Vq~Xy eó{H«$¶ogmR>rÀ¶m ‘¶m©Xm EH$m hospitalization gmR>r OmñVrV OmñV ê$. 20,000/‐ EH$m dfm©gmR>r OmñVrV OmñV é. 30,000/‐ SI/ Per Policy Period 30 {Xdgm§Mm àVrjm H$mbmdYr nm°{bgr KoVë`mnmgyZ n{hë¶m 30 {Xdgm§V AnKmVmì¶{V[a³V H$moUË`mhr AmOmanUmgmR>r ³bo‘ {‘iUma Zmhr. 24 ‘{hݶm§Mm àVrjm H$mbmdYr n{hë¶m 24 ‘{hݶmV nwT>rb AmOmanUmgmR>rMo ³bo‘ {‘iUma ZmhrV. ‘mo{Vq~Xy, ‘wiì¶mY, hm{Z©¶m, H¥${Ì‘ JwS>Ko / gm§YoamonU AnKmVmì¶{V[a³V), ‘wVIS>m B. (nyU© ¶mXrgmR>r broucher dmMmdo.) 48 ‘{hݶm§Mm àVrjm H$mbmdYr nm°{bgr KoVmZm nydunmgyZ (Pre Existing Diseases) ApñVËdmV Agboë`m AmOmam§Mm IM© nm°{bgrbm 48 ‘{hZo nyUo Pmë`mda {‘iob. (nm°{bgr gbJ 48 ‘{hZo doioV ZyVZrH$aU H$aUo Amdí`H$) H$m`‘ñdê$nr Z {‘iUmao Xmdo gm¢X¶m©nMma, AZo{‘¶m, X§V{dH$ma (AnKmVmì¶{V[a³V), OÝ‘OmV ~mö¶Xmof, ‘mZgmonMma, JamoXanU Am{U àgyVrer {ZJ{S>V CnMma, dOZ H$‘r H$aʶmMo CnMma, ñdV:hÿZ Ho$bobr BOm (g{dñVa ‘m{hVrgmR>r H¥$n¶m broucher ~Kmdo.) AnmÌ ì`º$s (nwT>rb AmOmam§Zr ÌñV ì`º$s) öX¶amoJ, {H$S>ZrMo {dH$ma, H|$Ðr¶, ‘‚mmg§ñWoMo J§^ra AmOma, nm{H©$ÝgZ, AëPm¶‘a, ¶H¥$VmMo J§^ra AmOma, COPD, Auto immune / Connective tissue disorders requiring long term steriods & immunosuppressants Amdí`H$ H$mJXnÌo nyU© ‘m{hVr ^abobm AO©, 45 df© Am{U daÀ¶m 춳VtMm d¶mMm XmIbm, 3 bmI Am{U ˶mdarb SI gmR>r CËnÞmMm XmIbm Sec 80 (D) ‘Ü`o {‘iUmar H$a gdbV d` df© 59 n¶ªVÀ¶m 춳VtgmR>r ê$. 25,000 Am{U 60 dfmªnwT>rb 춳VtgmR>r ê$. 30,000 nm°{bgr KoÊ`mAmYrÀ`m d¡ÚH$s` JaOoMr Zmhr. ‘mÌ nydu KoVboë¶m BbmOmMr gd© H$mJXnÌo O‘m H$aUo ~§YZH$maH$ Co‐Pay Section‐1 gmR>r 60 dfm©darb ì`³VtgmR>r àË`oH$ hospitalization bm 10% co‐pay bmJy hmoB©b. 19

sTAR cARDIAC cARE pLATINUM ñQ>ma H$m{S>©¶mH$ Ho$Aa ßbo{Q>{Z¶‘ {df¶ ñQ>ma H$m{S>©¶mH$ Ho$Aa BÝewaÝg nm°{bgr - ßb°{Q>Z‘ UIN : SHAHLIP22033V022122 nm°{bgr{df¶r Aem 춳Vr Á¶m§Mo AJmoXa öX¶mÀ¶m AmOma / {dH$mamgh {ZXmZ Pmbo Amho Am{U ˶mgmR>r g§ajUmMm àH$ma öX¶mÀ¶m g{O©H$b B§Q>adoÝeZ qH$dm H$m¶©àUmbr Pmbr Amho. Zm|X ¿¶m - nog‘oH$a bmdboë¶m àdoemMo d¶ 춳Vr XoIrb ¶m nm°{bgrgmR>r AO© H$ê$ eH$VmV. ì¶{³VJV AmídñV a³H$‘ 7 df} Vo 70 df} gh-^aUm bmJy Zmhr ZyVZrH$aU Am¶wî¶^a nm°{bgrMm H$mbmdYr 1 df© / 2 df© / 3 df© {à{‘¶‘Mm ^aUm V¡‘m{gH$/ AY©‘m{gH$/ dm{f©H$/ {Ûdm{f©H$ (2 dfm©VyZ EH$Xm)/ Ì¡‘m{gH$ (3 dfm©VyZ EH$Xm) nm°{bgrÀ¶m AJmoXa d¡ÚH$s¶ Amdí¶H$ Zmhr VnmgUr ¶w/S>ãë¶ygmR>r d¡ÚH$s¶ Ahdmb BH$mo, B©grOr (6 ‘{hݶm§‘ܶo KoVbobo), {dMma{d{Z‘¶ Am{U B§Q>adoÝeZ /eó{H«$¶m / d¡ÚH$s¶ ì¶dñWmnZmer g§~§{YV gd© d¡ÚH$s¶ Zm|Xr àñVmdmÀ¶m doir gmXa Ho$ë¶m nm{hOoV. AmídñV aH$‘oMo n¶m©¶ 5 / 7.5 / 10 / 15 (ê$. bmIm§‘ܶo) qgJb àm¶ìhoQ> Egr ê$‘ (à˶j) é½Umb¶mVrb gm‘rb (à˶j a³H$‘) ^Vu - Imobr ^mS>o Am¶gr¶w, S>m°³Q>am§À¶m ’$sO, MmMʶm, Am¡fYo amoS> é½Udm{hH$m ewëHo$ gm‘rb (à˶j a³H$‘) é½Umb¶mVrb ^VuÀ¶m 30 {Xdg Vo 60 {Xdg (à˶j a³H$‘) AJmoXa d Z§Va {XdgmÀ¶m XoI^mbrÀ¶m {XdgmÀ¶m XoI^mbrÀ¶m H$m¶©àUmbr ¶mV gm‘rb AgVrb (à˶j a³H$‘) H$m¶©àUmbr (Zm|X ¿¶m : ’$³V ‘mo{Vq~XygmR>r Cngr‘m bmJy AgVrb) öX¶ à{VamonUmMo IM© AmídñV aH$‘oÀ¶m 200% n¶ªV g§ajU (IMm©‘ܶo hdmB© Am{U / qH$d añ˶m‘mJ} öX¶mMo hmd}pñQ>¨J Am{U dmhVyH$ gm‘rb Agob) ‘Zo{M{H$Ëgm Am{U ‘ZmoX¡{hH$ gm‘rb (à˶j a³H$‘) öX¶mMr CnH$aUo (Ogo nog‘oH$a) AmídñV aH$‘oÀ¶m 50% n¶ªV g§ajU 20

sTAR cARDIAC cARE pLATINUM ñQ>ma H$m{S>©¶mH$ Ho$Aa ßbo{Q>{Z¶‘ AmYw{ZH$ CnMma nm°{bgr H$b‘m§‘ܶo C„oIboë¶m Cn-gr‘on¶ªV g§ajU nwZd©gZ d doXZm hmVmiUo Cn-gr‘on¶ªV (qH$dm) AmídñV aH$‘oÀ¶m 10% n¶ªV, Or H$‘r Agob VodT>o g§ajU B©-‘o{S>H$b ‘V CnbãY dobZog [admS>©²g àmoJ«m‘ {d‘oXmamZo Imbrb Ahdmb gmXa Ho$bo, Va ZyVZrH$aUmda {S>ñH$mD§$Q> {‘iy eHo$b. (1) BH$mo ñdmñ϶ godm (BH$moH$m{S>©¶moJ«m‘) (2) {bnrS> àmo’$mB©b (3) EM~rE1gr ({h‘mo½bmo~rZ E1gr) Am{U (1) Oa gd© 3 MmMʶmMo n[aUm‘ gm‘mݶ AgVrb, Va ZyVZrH$aUmÀ¶m {à{‘¶‘da 10% {S>ñH$mD§$Q> {‘iob. (3) Oa 2 MmMʶm§Mo n[aUm‘ gm‘mݶ AgVrb Va ZyVZrH$aUmÀ¶m {à{‘¶‘da 5% {S>ñH$mD§$Q> {‘iob. n϶mhmam{df¶r gëbo, ‘§ÌUm (VUmd hmVmiʶmgmR>r) Q>o{b’$moZda Agr{‘V gëbm‘gbV, B-’$m‘©gr AmídñV a³H$‘ (é. bmIm§‘ܶo) 5 7.5 10 15 ‘mo{Vq~XyMm CnMma é. 30,000/‐ à{V S>moim é. 40,000/‐ à{V S>moim Am{U é. 40,000/‐ EH$m nm°{bgr dfm©V é. 60,000/‐ EH$m nm°{bgr dfm©V H$ÝdoÝeZb H$moamoZar é. 20,000/‐ é. 20,000/‐ é. 25,000/‐ é. 25,000/‐ E§{O¶moJ«m‘ MmMUr ñdmñ϶ VnmgUrMo ’$m¶Xo é. 2,000/‐ é. 2,000/‐ é. 3,000/‐ é. 4,000/‐ (à˶oH$ nm°{bgr dfm©Z§Va CnbãY) ~mø-é½U CnMma IM© é. 2,500/‐ é. 3,000/‐ é. 3,500/‐ é. 5,000/‐ (bgrH$aUmgh) \"\"{Xdg 1 nmgyZ gm‘rb'' Zmo ³bo‘ ~moZg Xmdm Z Ho$boë¶m à˶oH$ dfm©gmR>r AmídñV aH$‘oÀ¶m 10% d AmídñV aH$‘oÀ¶m OmñVrV OmñV 100% Am°Q>mo‘o{Q>H$ [añQ>moaoeZ nm°{bgr dfm©V EH$Xm CnbãY (gmaIo AmOma/öX¶mMo {dH$ma/AmYw{ZH$ CnMma gm‘rb Ho$bo OmV ZmhrV) (100% n¶ªV) à{VjmH$mb - öX¶mÀ¶m {dH$mamgmR>r öX¶g§~§Yr amoJm§gmR>r 30 {Xdg à{Vjm H$mb - öX¶ì¶{V[a³V BVa {dH$mam§gmR>r Ama§{^H$ à{VjmH$mb gd© AmOmam§gmR>r 30 {Xdg (’$³V AnKmV dJiVm) {d{eîR> amoJm§gmR>r 2 df© nrB©S>rOgmR>r (grpìhS>r ì¶{V[a³V) 4 df© * ¶m XñVmEodOmV {Xbobr ‘m{hVr ’$³V gyMH$ ñdénmMr Amho. AQ>r Am{U eVvdarb AmUIr Vnerbm§gmR>r, H¥$n¶m {dH«$s nyU© H$aVm§Zm nm°{bgrVrb eãX ì¶dpñWV dmMm. 21

sTAR dIABETICS sAFE iNSURANCE pOLICY ñQ>ma S>m¶~o{Q>H$ go’$ BÝewaÝg nm°{bgr nm°{bgr KoVmZmMo d` 10 df} Vo 65 df} nm°{bgr Koʶmg nmÌ ì¶³Vr Type 1 Am{U Type 2 ‘Yw‘ohtgmR>r Img Plan nm°{bgrMm àH$ma d¡¶{³VH$ Am{U Family Floater (’$³V 2A nVr / nËZr / XmoKohr ‘Yw‘ohr AgUo Amdí¶H$) CnbãY {d‘m n¶m©¶ 3 bmI, 4 bmI, 5 bmI, 10 bmI nm°{bgrMm H$mbmdYr 1 df© ZyVZrH$aUmMr h‘r Vhh¶mV (Life Renewal Gurantee) ZyVZrH$aUmdoir Grace Period 30 {Xdg (’$³V nm°{bgr gbJ MmbʶmMm ’$m¶Xm {‘idʶmgmR>r Waiting, Period, PED Coverage) nm°{bgr n¶m©¶ Plan A ‐ d¡ÚH$s¶ MmMʶm Amdí¶H$ H$‘r hßVm, ‘Yw‘oh n{hë¶m {XdgmnmgyZ g‘m{dîQ>, öX¶amoJmgmR>r ‘¶m©Xm Zmhr, OmñV aH$‘oMm OPD ’$m¶Xm Plan B ‐ d¡ÚH$s¶ MmMʶm JaOoÀ¶m ‘Yw‘ohmgmR>r 30 {Xdg, 12 ‘{hZo, 24 ‘{hݶm§Mm àVrjm H$mbmdYr, ö¶amoJmgmR>r ‘¶m©Xm, ZmhrV H$‘r OPD ’$m¶Xo, VwbZoZo OmñV hßVm ßb°Z ~Xb Plan A ‘YyZ Plan B ‘ܶo qH$dm CbQ>njr ßb°Z ~XbVm ¶oUma Zmhr. {d‘m a³H$‘ dmT>dUo H§$nZrZo ‘mݶ Ho$ë¶mg Oa nm°{bgr‘ܶo H$moUVohr Xmdo ZgVrb Va ’$³V ZyVZrH$aUmÀ¶m doir {d‘m a³H$‘ dmT>dVm ¶oB©b. ^mJ ‐ 1 (Section‐1) ‘Yw‘ohm‘wio é½Umb¶mV XmIb H$amdo bmJë¶mg é½Umb¶mVrb ImobrMo ^mS>o, ~mo{S>ªJ Single Standard AC Room ‐ At Actual Am{U Z{gªJ MmO}g Surgeon, Anasthetist, Medical Practioner, Consultant, Specialist Fees ‐ Actual d¡ÚH$s¶ ì¶mdgm{¶H$ ewëH$ (Vk ewëH$mg{hV) BVa d¡ÚH$s¶ IM© ^wbrMo Am¡fY, a³V, Am°p³gOZ, OT ewëH$, gmYZm§Mo IM©, Am¡fYo, {M{H$ËgogmR>r bmJUmao gm{h˶, j-{H$aU, S>m¶{b{gg, {H$‘moWoanr, nog‘oH$a, ñQ>oQ> B. Actual é½Udm{hHo$Mm IM© à˶oH$ nm°{bgr dfm©gmR>r é. 2000/‐ {H$S>Zr Xm˶mMo IM© Sum Insured CnbãY Agë¶mg {H$S>ZrXm˶mMo IM© {Xbo OmVrb na§Vw Xm˶mMr VnmgUr VgoM XmZ Ho$ë¶mZ§VaMr Jw§VmJw§V g‘m{dîQ> hmoUma Zmhr. S>m¶{b{ggMo IM© gbJ 24 ‘{hݶm§gmR>r à˶oH$s é. 1000/‐ n¶ªV IM© {Xbo OmVrb. H¥${Ì‘ Ad¶d ~gdʶmMo IM© Oa amputation Mm Xmdm ‘mݶ Ho$bm Agob Va SI À¶m 10% n¶ªV a³H$‘ {‘iy eH$Vo. Plan A No Sub limit for Plan A Plan B Plan B ‐ 3 Lac SI ‐ Rs. 2 Lac; 4 Lac SI ‐ Rs. 2.5 Lac; 5 Lac SI ‐ Rs. 3 Lac; 10 Lac SI ‐ Rs. 4 Lac 22

sTAR dIABETICS sAFE iNSURANCE pOLICY ñQ>ma S>m¶~o{Q>H$ go’$ BÝewaÝg nm°{bgr ^mJ 2 (Section‐2) ‘Yw‘ohmì¶{V[a³V BVa H$maUmñVd Ambobo Xmdo é½Umb¶mVrb ImobrMo ^mS>o, Single Standard AC Room ‐ At Actual ~mo{S>ªJ Am{U Z{gªJ MmO}g Surgeon, Anaesthetist, Medical Practioner, Consultant, Specialist Fees ‐ Actual d¡ÚH$s¶ ì¶mdgm{¶H$ ewëH$ (Vk ewëH$mg{hV) BVa d¡ÚH$s¶ IM© At Actual é½Udm{hHo$Mm IM© à˶oH$ nm°{bgr dfm©gmR>r é. 2000/‐ é½Umb¶mV XmIb é½Umb¶mV XmIb H$aʶmAmYrMo 30 {Xdg (Nursing, surgeon/consultant fees, diagnostic, H$aʶmAmYrMo IM© expenses, drugs cost À¶m 7 Q>³Ho$ qH$dm OmñVrV OmñV é. 5000/‐) Day Card gd© day care procedures g‘m{dîQ> ‘mo{Vq~Xy eó{H«$¶ogmR>rÀ¶m ‘¶m©Xm 3 Lac; 4 Lac; 5 Lac SI Rs. 20,000 per event and Rs. 30,000 per policy period 10 Lac SI Rs. 30,000 per event and Rs. 40,000 per policy period Copay ‐ Hospitalisation on No Copay Package Cost basis Copay ‐ Age at entry more than No Copay 60 years Network Am{U Diagnostic Centres ‘YyZ KoVbo Jobobo Xmdo ho {d‘m aH$‘oVyZ {Xbo OmVrb. ^mJ ‐ 3 (Section‐3) OPD Xa ghm ‘{hݶm§Zr - EH$mdoir é. 750/‐ Am{U nm°{bgr dfm©V OmñVrV OmñV é. 1500/‐ (~møê$½U Xmdo) 1. Cost of Fasting and Post Prandial and HbA1C tests 2. Medical consultation, other 3 Lac ‐ Rs. 1000; 4 Lac ‐ Rs. 2500; 5 Lac Rs. 3500; 10 Lac ‐ Rs. 5500 diagnostics, medicines & drugs Plan A Individual Plan B Individual 3 Lac ‐ Rs. 500; 4 Lac ‐ Rs. 2000; 5 Lac Rs. 3000; 10 Lac ‐ Rs. 5000 Plan A Floater 3 Lac ‐ Rs. 2000; 4 Lac ‐ Rs. 3500; 5 Lac Rs. 5500; 10 Lac ‐ Rs. 7500 Plan B Floater 3 Lac ‐ Rs. 1500; 4 Lac ‐ Rs. 3000; 5 Lac Rs. 5000; 10 Lac ‐ Rs. 7000 ^mJ ‐ 4 (Section 4) d¡¶{³VH$ AnKmV {d‘m-Amamo½¶{då¶mÀ¶m aH$‘oBVH$s a³H$‘ AnKmVr ‘¥Ë¶y Pmë¶mg Xo¶ Agob. SI nyd©dV hmoʶmMo ’$m¶Xo (Auto EH$m nm°{bgr dfm©V 100 Q>³Ho$ SI nyd©dV Ho$br OmB©b. Á¶m AmOmam§gmR>r ˶mM dfm©V Xmdo KoVbo Restoration Benefit) ’$³V AgVrb Ago AmOma Am{U AnKmVm§gmR>r hr a³H$‘ CnbãY Zgob. hr a³H$‘ nyU© {d‘m a³H$‘ d¡¶{³VH$ nm°{bgr‘ܶo CnbãY ewݶ Pmë¶mdaM CnbãY Agob. Family Floater gmR>r hr gw{dYm CnbãY Zmhr. 23

sTAR dIABETICS sAFE iNSURANCE pOLICY ñQ>ma S>m¶~o{Q>H$ go’$ BÝewaÝg nm°{bgr ‘Yw‘ohmgmR>r àVrjm H$mbmdYr Plan A Plan A gmR>r H$moUVrhr àVrjm H$mbmdYr Zmhr. ‘Yw‘ohmg§~§{YV gd© Xmdo n{hë¶m {XdgmnmgyZ g‘m{dîQ> Ho$bo OmVrb. Plan B ‘Yw‘ohmg§~§{YV Xmdo 30 {Xdgm§Z§Va g‘m{dîQ> Ho$bo OmVrb. AndmX-öX¶{dH$ma, {H$S>ZrMo 30 {Xdgm§Mm àVrjm H$mbmdYr {dH$ma, S>moù¶m§Mo {dH$ma, Diabetic Peripheral Vascular Disease Am{U Foot Ulcer ‘Yw‘ohm‘wio öX¶{dH$ma, {H$S>ZrMo {dH$ma, S>moù¶m§Mo {dH$ma, Diabetic peripheral vascular 12 ‘{hݶm§Mm àVrjm H$mbmdYr Disease Am{U Foot Ulcer Mo Xmdo 24 ‘{hݶm§Mm àVrjm H$mbmdYr For any transplant and related surgery ‘Yw‘ohmì¶{V[a³V BVa H$maUmñVd Amboë¶m Xmì¶m§gmR>r àVrjm H$mbmdYr 30 {Xdgm§Mm àVrjm H$mbmdYr nm°{bgr KoVë¶mnmgyZ n{hë¶m 30 {Xdgm§V AnKmVm§ì¶{V[a³V H$moU˶mhr AmOmanUmgmR>r ³bo‘ {‘iUma Zmhr. 24 ‘{hݶm§Mm àVrjm H$mbmdYr n{hë¶m 24 ‘{hݶmV nwT>rb AmOmanUmgmR>rMo ³bo‘ {‘iUma ZmhrV. ‘mo{Vq~Xy, ‘wiì¶mY, 48 ‘{hݶm§Mm àVrjm H$mbmdYr hm{Z©¶m, H¥${Ì‘ JwS>Ko / gm§YoamonU (AnKmVmì¶{V[a³V) ‘wVIS>m B. (nyU© ¶mXrgmR>r brochure dmMmdo) nm°{bgr KoVmZm nydunmgyZ (Pre Existing Diseases) ApñVËdmV Agboë¶m (‘Yw‘ohmì¶{V[a³V) AmOmam§Mm IM© nm°{bgrbm 48 ‘{hZo nyU© Pmë¶mda {‘iob. (nm°{bgr gbJ 48 ‘{hZo doioV ZyVZrH$aU H$aUo Amdí¶H$) H$m¶‘ñdénr Z {‘iUmao Xmdo gm¢X¶m}nMma, AZo{‘¶m, X§V{dH$ma (AnKmVmì¶{V[a³V), OÝ‘OmV, ~møXmof, ‘mZgmonMma, JamoXanU Am{U àgyVrer {ZJ{S>V CnMma, dOZ H$‘r H$aʶmMo CnMma, ñdV:hÿZ Ho$bobr BOm (g{dñVa ‘m{hVrgmR>r H¥$n¶m Brochure ~Kmdo) Sec 80 (D) ‘ܶo {‘iUmar d¶ df© 59 n¶ªVÀ¶m 춳VtgmR>r é. 25,000 Am{U 60 dfmªnwT>rb 춳VtgmR>r é. 50,000 H$a gdbV 24

sUPER pLUS gOLD fAMILY fLOATER pLAN gwna ßbg JmoëS> ’°${‘br âbmoQ>a ßb°Z nm°{bgr KoVmZmMo d` 18 df} Vo 65 df} nm°{bgr KoVmZm (‘wbm§Mo d¶) 3 ‘{hZo Vo 25 df} (25 df} d¶mn¶ªVM ZyVZrH$aU H$aVm ¶oB©b.) nm°{bgrMm àH$ma ’°${‘br âbmoQ>a {d‘m aH$‘oMo n¶m©¶ 5 bmI, 10 bmI, 15 bmI, 20 bmI Am{U 25 bmI 3 bmI, 5 bmI, 10 bmI Defined Limit nm°{bgrÀ¶m H$mbmdYrV Hw$Qy>§~mVrb gXñ¶m§À¶m EHy$U hospitalization À¶m IMm©Mr a³H$‘ Defined Limit gmR>r {dMmamV KoVbr OmB©b. Defined Limit H$go R>adbo OmB©b ? 2A; 2A+1C; 2A+2C; 2A+3C; 1A+1C; 1A+2C; 1A+3C Hw$Qy>§~mVrb gXñ¶ g§»¶m Hw$Qy>§~mVrb 춳Vr nVr, nËZr Am{U OmñVrV OmñV 3 An˶o nm°{bgr H$mbmdYr 1 df© ImÌrera ZyVZrH$aU AmOrdZ nm°{bgrÀ¶m H$mbmdYrV {‘iUmao ’$m¶Xo nm°{bgrÀ¶m H$mbmdYrV Hw$Qy>§~mVrb gXñ¶m§À¶m EHy$U hospitalization À¶m IMm©Mr a³H$‘ Defined Limit À¶mda Joë¶mg {d‘m aH$‘on¶ªV (Sum Insured) {d‘m g§ajU {‘iob. Hospitalization é½Umb¶mV XmIb Pmbobm H$mbmdYr - {H$‘mZ 24 Vmg Amdí¶H$ Single Standard A/C Room (g§nyU© ^maVmV Hw$R>ohr XmIb H$amdo bmJë¶mg) é½Umb¶mVrb ImobrMo ^mS>o, ~mo{S>ªJ d Z{gªJ MmO}g At Actual ICU ewëH$ d¡ÚH$s¶ ì¶mdgm{¶H$ ewëH$ Surgeon, Anasthetist, Medical Practioner, Consultant, Specialist Fees ‐ Actual (Vk ewëH$mg{hV) BVa d¡ÚH$s¶ IM© ^wbrMo Am¡fY, a³V, Am°p³gOZ, OT ewëH$, gmYZm§Mo IM©, Am¡fYo, {M{H$ËgogmR>r bmJUmao gm{h˶, j-{H$aU, S>m¶{b{gg, {H$‘moWoanr, nog‘oH$a, ñQ>|Q> B. Actual é½Udm{hHo$Mm IM© (EH$m nm°{bgr à˶oH$ hospitalization gmR>r é. 3000 n¶ªV dfm©gmR>r) hdmB© é½Udm{hHo$Mm IM© (10 bmI Am{U SI À¶m 10 Q>³³¶mn¶ªV (5 bmI SI À¶m nm°{bgrgmR>r hr gw{dYm CnbãY Zmhr.) ˶mdarb SI gmR>r) é½Umb¶mV XmIb H$aʶmAmYrMo IM© é½Umb¶mV XmIb H$aʶmAmYrMo 60 {Xdg Pmbobo IM© {‘iVrb. (Actual ‐ Relevant to é½Umb¶mVyZ discharge {‘imë¶mda the Hospitalisation) {‘iUmao IM© é½Umb¶mVyZ discharge {‘imë¶mda 90 {Xdg (Actual ‐ Consultant fees, Diagnostic Day Care Charges, Medicines and drugs ‐ relevant to Hospitalisation) gJù¶m Day Care Mo IM© {‘iVrb. (Á¶mgmR>r é½Umb¶mV 24 Vmg amhmdo bmJV Zmhr.) 25

sUPER pLUS gOLD fAMILY fLOATER pLAN gwna ßbg JmoëS> ’°${‘br âbmoQ>a ßb°Z ‘mo{Vq~Xy eó{H«$¶ogmR>r ‘¶m©Xm SI / Per ‘mo{Vq~XygmR>r H$moUVrhr ‘¶m©Xm Zmhr. SI À¶m ‘¶m©Xon¶ªV Pmbobm IM© {‘iy eH$Vmo. Episode / Per Policy Period àgyVrgmR>r (Normal / Caesarean EH$m nm°{bgr H$mbmdYrV é. 50,000 n¶ªV (1 dfmªMm àVrjm H$mbmdYr Amdí¶H$ - nm°{bgr Delivery) {‘iUmao ’$m¶Xo ’°${‘br âbmoQ>a (nVr-nËZr) KoVbobr AgUo Amdí¶H$) Recharge (‘mo’$V {‘iUmar) SI For Defined Limit‐3 Lakhs ‐ Rs. 50,000; Defined Limit ‐ 5 Lakhs ‐ Rs. 75,000 And Defined Limit ‐ 10 Lakhs ‐ 1 Lakh Ad¶d XmZmÀ¶mdoir Xm˶mMo {‘iUmao IM© nm°{bgrÀ¶m CnbãY {d‘m aH$‘on¶ªV a³H$‘ dmnê$ eH$Vm. (Not available for Donar screening & Post‐Donation Complications ‐ Provided Claim for transplantation Payable) BVa Amamo½¶{d‘m nm°{bgrV énm§VarV gbJ 5 df} qH$dm ˶mhÿZ OmñV df© H$moUVmhr Xmdm Zgë¶mg BVa H$moU˶mhr Amamo½¶ H$aʶmMr gmo¶ {d‘m nm°{bgr‘ܶo hr nm°{bgr énm§VarV H$aVm ¶oB©b. ‘mo’$V d¡ÚH$s¶ gëbm Amnbr d¡ÚH$s¶ H$mJXnÌo [email protected] ¶oWo nmR>dë¶mg ˶m H$mJXnÌm§À¶m AmYmao Amnë¶mbm email Ûmao ‘mo’$V d¡ÚH$s¶ gëbm {Xbm OmB©b. Opinion for medical reasons and not for medico‐legal purposes 60 dfmªdarb 춳Vr hr nm°{bgr KoV H§$nZrZo ‘§Oya Ho$boë¶m aH$‘oÀ¶m 10 % a³H$‘ ñdV:bm ^amdr bmJob. (à˶oH$ ³bo‘À¶m Agë¶mg 20% Co‐Pay bmJy hmoB©b. doir 10 % Co‐Pay bmJy hmoB©b.) 30 {Xdgm§Mm àVrjm H$mbmdYr nm°{bgr KoVë¶mnmgyZ n{hë¶m 30 {Xdgm§V AnKmVmì¶{V[a³V H$moU˶mhr AmOmanUmgmR>r ³bo‘ {‘iUma Zmhr. 12 ‘{hݶm§Mm àVrjm H$mbmdYr n{hë¶m 24 ‘{hݶmV nwT>rb AmOmanUm§gmR>rMo ³bo‘ {‘iUma ZmhrV - ‘mo{Vq~Xy, ‘wiì¶mY, hm{Z©¶m, H¥${Ì‘ JwS>Ko / gm§YoamonU (AnKmVmì¶{V[a³V), ‘wVIS>m B. (nyU© ¶mXrgmR>r brochure dmMmdo.) 12 ‘{hݶm§Mm àVrjm H$mbmdYr nm°{bgr KoVmZm nydunmgyZ (Pre Existing Diseases) ApñVËdmV Agboë¶m AmOmam§Mm IM© nm°{bgrbm 48 ‘{hZo nyU© Pmë¶mda {‘iob. (nm°{bgr gbJ 48 ‘{hZo doioV ZyVZrH$aU H$aUo Amdí¶H$) H$m¶‘ñdénr Z {‘iUmao Xmdo gm¢X¶m©nMma, AZo{‘¶m, X§V{dH$ma (AnKmVmì¶{V[a³V), OÝ‘OmV, ~møXmof, ‘mZgmonMma, JamoXanU Am{U àgyVrer {ZJ{S>V CnMma, dOZ H$‘r H$aʶmMo CnMma, ñdV:hÿZ Ho$bobr BOm (g{dñVa ‘m{hVrgmR>r H¥$n¶m brochure ~Kmdo.) AnmÌ ì¶³Vr (nwT>rb AmOmam§Zr ÌñV öX¶amoJ, {H$S>ZrMo {dH$ma, H|$Ðr¶ ‘‚mmg§ñWoMo J§^ra AmOma, nm{H©$ÝgZ, AëPm¶‘a, 춳Vr) ¶H¥$VmMo J§^ra AmOma, COPD, Auto immune / Connective tissue disorders Sec 80 (D) ‘ܶo {‘iUmar H$a gdbV requiring long term steroids and immunosuppressants d¶ df© 59 n¶ªVÀ¶m 춳VtgmR>r é. 25,000 Am{U 60 dfmªnwT>rb 춳VtgmR>r é. 30,000 26

sTAR hOSPITAL cASH iNSURANCY pOLICY ñQ>ma hm°pñnQ>b H°$e BÝewaÝg nm°{bgr nm°{bgrMo ’$m¶Xo AmOmanU/AnKmV ¶m‘wio hm°pñnQ>bmV ^aVr ìhmdo bmJë¶mg EH$aH$‘r bm^. nm°{bgr àH$ma d¡¶{³VH$ qH$dm ’°${‘br âbmoQ>a nm°{bgr KoVmZmMo d¶ àm¢T>mgmR>r : 18 Vo 65 df} nmbH$m§da Adb§~yZ AgUmè¶m ‘wbm§gmR>r - 91 {Xdg Vo 25 df} ImÌrera ZyVZrH$aU AmOrdZ nm°{bgrV g‘m{dîQ> OmñVrV OmñV gXñ¶ 5 춳Vr (ñdV: + nVr/nËZr + 3 An˶o) ßb°ZMo n¶m©¶ nm°{bgr H$mbmdYr Basic Plan Am{U Enhanced Plan nm°{bgr KoʶmAmYr d¡ÚH$s¶ MmMUr 1 df© / 2 df} / 3 df} Hospital Cash JaO Zmhr a³H$‘ (Xa {Xder) Basic Plan (é.) Enhanced Plan (é.) Hospital Cash Mo OmñVrV OmñV {Xdg n¶m©¶ : 1000/‐, 2000/‐, 3000/‐ n¶m©¶ : 3000/‐, 4000/‐, 5000/‐ {‘iUmao bm^ (EH$m nm°{bgr dfm©V) AmOmanUmgmR>r {‘iUmar Hospital Cash Basic Plan Enhanced Plan AnKmVmgmR>r {‘iUmar Hospital Cash 30/60/90/120/180 {Xdg n¶m©¶ : 90/120/180 {Xdg ICU gmR>r {‘iUmar Hospital Cash {ZdS>boë¶m n¶m©¶mZwgma OmñVrV OmñV {Xdgm§gmR>r J«mhH$mZo {ZdS>bobr Hospital Cash a³H$‘ à{V {Xdgà‘mUo {Xbr OmB©b. (Basic Plan ‘ܶo EH$m {XdgmMr a³H$‘ dOm Ho$br Convalescene Hospital Cash OmB©b.) ~mimÀ¶m OÝ‘mgmR>r {‘iUmar {ZdS>boë¶m n¶m©¶mZwgma OmñVrV OmñV {Xdgm§gmR>r J«mhH$mZo {ZdS>boë¶m Hospital Cash aH$‘oÀ¶m 150% à{V {Xdg à‘mUo {Xbr OmB©b. Hospital Cash J«mhH$mZo {ZdS>boë¶m Hospital Cash aH$‘oÀ¶m 200% à{V {Xdg à‘mUo {Xbr OmB©b. Worldwide Hospital Cash d¡¶{³VH$ nm°{bgr : ICU Hospital Cash OmñVrV OmñV 30 {Xdg {‘iob. âbmoQ>a nm°{bgr : ICU Hospital Cash OmñVrV OmñV 90 {Xdg {‘iob. Enhanced Plan KoVë¶mg 5 {Xdg qH$dm ˶mhÿZ OmñV {Xdg BpñnVimV amhmdo bmJë¶mg 1 {Xdgm§Mr A{V[a³V Hospital Cash a³H$‘ XoʶmV ¶oB©b. Enhanced Plan KoVë¶mg {ZdS>boë¶m n¶m©¶mZwgma OmñVrV OmñV {Xdgm§gmR>r J«mhH$mZo {ZdS>bobr Hospital Cash a³H$‘ à{V {Xdg à‘mUo {Xbr OmB©b. (’$³V ór {d‘mYmaH$mg CnbãY) àVrjm H$mbmdYr : hr nm°{bgr KoVë¶mnmgyZ 2 df} J«mhH$mZo {ZdS>boë¶m Hospital Cash aH$‘oÀ¶m 200% à{V {Xdg à‘mUo {ZdS>boë¶m n¶m©¶mZwgma OmñVrV OmñV {Xdgm§gmR>r {Xbr OmB©b. 27

sTAR hOSPITAL cASH iNSURANCY pOLICY ñQ>ma hm°pñnQ>b H°$e BÝewaÝg nm°{bgr Day Care Procedures EH$m dfm©V OmñVrV OmñV nmM doim J«mhH$mZo {ZdS>bobr Hospital Cash a³H$‘ {Xbr OmB©b. (Basic Am{U Emhanced XmoÝhr ßb°ZgmR>r bmJy) Imbr Z‘yX Ho$boë¶m Day Care à{H«$¶m§gmR>r CnbãY : (1) Fractures (other than àVrjm H$mbmdYr hairline fractures) (2) Cataract (3) Dilatation and Curettage (4) Hemodialysis (5) Parenteral Chemotherapy (6) Radio Therapy (7) Coronary Angiography (8) Lithotripsy (9) Manipulation for Dislocation under General Anesthesia (10) Cystoscopy under General Anesthesia. Basic Plan Enhanced Plan 30 {Xdgm§Mm àVrjm H$mbmdYr 30 {Xdgm§Mm àVrjm H$mbmdYr (AnKmVmì¶{V[a³V) (AnKmVmì¶{V[a³V) R>am{dH$ AmOma / CnMmam§gmR>r R>am{dH$ AmOma / CnMmam§gmR>r 24 ‘{hݶm§Mm à{Vjm H$mbmdYr 24 ‘{hݶm§Mm à{Vjm H$mbmdYr nydunmgyZ ApñVËdmV Agboë¶m nydunmgyZ ApñVËdmV Agboë¶m AmOmam§gmR>r (Pre Existing Diseases) AmOmam§gmR>r (Pre Existing Diseases) 36 ‘{hݶm§Mm à{Vjm H$mbmdYr 24 ‘{hݶm§Mm à{Vjm H$mbmdYr 28

sTAR cANCER cARE pLATINUM iNSURANCE pOLICY ñQ>ma H°$Ýga Ho$Aa ßbo{Q>{Z¶‘ BÝewaÝg nm°{bgr d¡{eîQ>ço ñQ>ma H°$Ýga Ho$Aa ßb°{Q>Z‘ BÝewaÝg nm°{bgr UIN : SHAHLIP22031V022122 nm°{bgr{df¶r H°$Ýgagh {ZXmZ Pmboë¶m 춳Vr (H$moUVmhr Q>ßnm) g§ajUmMm àH$ma ì¶{³VJV AmídñV a³H$‘ àdoemMo d¶ 5 ‘{hZo d 65 df} gh-^aUm Á¶m {d‘oXmamMo d¶ àdoemÀ¶m doir 61 df} qH$dm OmñV AgVo, Voìhm Zì¶m VgoM ZyVZrH$aUmgmR>r à˶oH$ Xmì¶mÀ¶m aH$‘oÀ¶m 10% nm°{bgrMm H$mbmdYr 1 df© {à{‘¶‘Mm ^aUm Ì¡‘m{gH$ /AY©-dm{f©H$ / dm{f©H$ nm°{bgrÀ¶m AJmoXa Amdí¶H$ Zmhr d¡ÚH$s¶ VnmgUr àñVmdmgh CnMmamÀ¶m Vnerbmgh ‘mJrb d¡ÚH$s¶ Zm|Xr ¶w/S>ãë¶ygmR>r d¡ÚH$s¶ Ahdmb AmídñV aH$‘oMo n¶m©¶ (I§S> 1) 5 bmI / 7.5 bmI / 10 bmI EH$amer g§ajU A{V[a³V {à{‘¶‘da ^aUm Ho$ë¶mda AmœñV aH$‘oÀ¶m 50% (I§S> 1) Mr EH$amer (n¶m©¶r g§ajU) (I§S> 2) {d‘m CVadbobr hr EH$ amer a³H$‘ ~Xby eH$Uma Zmhr. Ooìhm {d‘oXma 춳Vr nwZéØdZ, H$H©$jon Am{U / qH$dm n{hë¶m H°$Ýgaer Ag§~Õ Aem XwX©å¶VoMm AZw^d H$aVo. Voìhm Xo¶ AgVo. hm ’$m¶Xm I§S> 1 À¶m A§VJ©V j{Vny{V© g§ajUmÀ¶m AmídñV aH$‘oÀ¶m ì¶{V[a³V AgVmo. EH$amergmR>r Xmdm Ho$ë¶mg I§S> 2 À¶m A§VJ©V g§ajU g§nVo Am{U nm°{bgr I§S> 1 gh Mmby amhVo. à{Vjm H$mbmdYr 30 ‘{hZo j{Vny{V© g§ajU (I§S> 1) qgJb ñQ>°ÊS>S>© E/gr Imobr é½Umb¶mV ^aVr - Imobr ^mS>o gm{‘b (à˶j a³H$‘) amoS> é½Udm{hH$m ewëHo$ 29

sTAR cANCER cARE pLATINUM iNSURANCE pOLICY ñQ>ma H°$Ýga Ho$Aa ßbo{Q>{Z¶‘ BÝewaÝg nm°{bgr é½Umb¶mVrb ^aVrÀ¶m é½Umb¶mVrb ^aVrÀ¶m AJmoXa 30 {Xdg d é½Umb¶mVrb ^aVrZ§Va 60 {Xdg AJmoXa d Z§Va (é½Umb¶mVrb à˶oH$ ^aVrgmR>r AmídñV ‘wb^yV aH$‘oÀ¶m 2 Q>³Ho$n¶ªV) {XdgmÀ¶m XoI^mbrÀ¶m {XdgmÀ¶m XoI^mbrÀ¶m H$m¶©àUmbr ¶mV gm{‘b AgVrb (à˶j a³H$‘) H$m¶©àUmbr ‘mo{Vq~Xy AmídñV a³H$‘ (bmI én¶o) à{V S>moim à{V nm°{bgr H$mbmdYr 5 30,000 40,000 40,000 60,000 7.5 Am{U 10 ñdñWm¶r VnmgUr à˶oH$ Xmdm - ‘w³V dfm©gmR>r 2,500 én¶m§n¶ªV Xwgè¶m d¡ÚH$s¶ ‘V [email protected] gmR>r ‘ob qH$dm nmoñQ> / Hw$[aAaÛmam CnbãY. AmYw{ZH$ CnMma nm°{bgr I§S>mV C„oI Ho$boë¶m Cn-gr‘on¶ªV g§ajU nwZd©gZ Am{U doXZm hmVmiUo àVr nm°{bgr df©, AmídñV aH$‘oÀ¶m Cn-{g‘on¶ªV (qH$dm) 10% n¶ªV g§ajU, Oo H$‘r Agob. nwZd©gZmV AZoH$ AmKmV, S>mo³¶mbm BOm, nmR>rÀ¶m ‘U³¶m§Mm amoJ, ñQ´>moH$ gm{‘b AmhoV. ñdmñ϶ godm (1) n϶hma Am{U nmofU H$m¶©H«$‘ (2) dOZ hmVmiʶmMm H$m¶©H«$‘ é½Umb¶mVrb XoI^mb (3) ñQ>ma Q>o{b hoëW A°nìXmao Vkm§er g„m‘gbV Zmo ³bo‘ ~moZg j{Vny{V©À¶m AmYmamda Am¶wî¶mV EH$Xm Xo¶ Ago ZoQ>dH©$ àmopìhS>g©H$S>o AmídñV Ama§[^H$ à{Vjm H$mb aH$‘oÀ¶m 20% n¶ªV Xo¶, à{Vjm H$mb 12 ‘{hZo {d{eîQ> amoJmgmR>r nrB©S>r (H°$Ýgagh) Xmdm Z Ho$boë¶m à˶oH$ dfm©gmR>r OmñVrV OmñV 50 Q>³Ho$À¶m A{YZ amhÿZ ‘wb^yV AmídñV aH$‘oÀ¶m 5% à{Vjm H$mb gd© AmOmam§gmR>r 30 {Xdg (AnKmV dJiVm) 24 ‘{hZo 30 ‘{hZo * ¶m XñVmEdOmV {Xbobr ‘m{hVr ’$³V gwMH$ ñdénmMr Amho. AQ>r Am{U eVudarb AmUIr VnerbmgmR>r, H¥$n¶m {dH«$s nyU© H$aVmZm nm°{bgrVrb eãX ì¶dpñWV dmMm. 30

sTAR cANCER cARE pLATINUM VS sTAR cANCER gOLD iNSURANCE pOLICY ñQ>ma H°$Ýga Ho$Aa ßbo{Q>{Z¶‘ d ñQ>ma H°$Ýga JmoëS> BÝewaÝg nm°{bgr ¶mVrb ’$aH$ d¡{eîQ>ço ñQ>ma H°$Ýga Ho$Aa {à{‘¶‘ ñQ>ma H°$Ýga Ho$Aa JmoëS> (nm¶bQ> CËnmXZ) àdoemÀ¶m doir d¶ SHAHLIP22031V022122 SHAHLIP21216V022021 nm°{bgrMm àH$ma nmÌVm 5 ‘{hZo Vo 65 df} 6 ‘{hZo Vo 65 df} ì¶{³VJV ì¶{³VJV H°$Ýgagh {ZXmZ Pmboë¶m 춳Vr (H$moUVmhr Q>ßnm) H°$Ýgagh {ZXmZ Pmboë¶m 춳Vr (Q>ßnm 1 Vo Q>ßnm 2) I§S> I§S> 1 : j{Vny{V© ñdajU (H°$Ýga Am{U Zm°Z- I§S> 1 : EH$amer aH$‘oV nyZ©ØdZ, H$H©$jon Am{U / H°$ÝgagmR>r bmJy) I§S> 2 : EH$amer aH$‘oV nyZ©ØdZ, qH$dm Xwgao XwX©å¶Vm gm{‘b AgVo. I§S> 2 : eó{H«$¶m H$H©$jon Am{U/ qH$dm Xwgao XwX©å¶Vm gm{‘b AgVo Am{U B§Q>aìho³eZb CnMma nÜXVr gm{‘b H$aVo (n¶m©¶r g§ajU) (H°$Ýga Am{U H°$Ýgag§~§{YV CnMmamì¶{V[a³V) j{Vny{V© g§ajU I§S> 3 : J¡a-eó{H«$¶m B§Q>aZ°eZb CnMma nÜXVr gm{‘b H$aVo (H°$Ýga Am{U H°$Ýgaer g§~§{YV CnMmamì¶{V[a³V) j{Vny{V© g§ajU gh-^aUm àdoemÀ¶m doir d¶ 61 df} qH$dm OmñV AgVo. Aem Á¶m {d‘oXmamMo d¶ àdoemÀ¶m doir 61 df} qH$dm OmñV {d‘oXmamgmR>r Zì¶m VgoM ZyVZrH$aUmgmR>r à˶oH$ AgVo ˶mdoir I§S> 2 Am{U 3 À¶m A§VJ©V à˶oH$ Xmì¶mMm aH$‘oMm 10% Xmì¶mda 10% gh-^aUm Amdí¶H$ AgVmo. nm°{bgr H$mbmdYr EH$ df© EH$ df© {à{‘¶‘Mm ^aUm Ì¡‘m{gH$ / AY©dm{f©H$ / dm{f©H$ bmJy Zmhr nm°{bgrÀ¶m AJmoXa Amdí¶H$Vm Zmhr Amdí¶H$Vm Zmhr d¡ÚH$s¶ VnmgUr ¶w/S>ãë¶ygmR>r àñVmd AOm©gh CnMmamÀ¶m Vn{ebmgh àñVmd AOm©gh CnMmamÀ¶m Vn{ebmgh d¡ÚH$s¶ Ahdmb ‘mJrb d¡ÚH$s¶ Zm|Xr ‘mJrb d¡ÚH$s¶ Zm|Xr 5 bmI / 7.5 bmI / 10 bmI 3 bmI / 5 bmI AmídñV aH$‘oMo n¶m©¶ (I§S> 1) EH$amer g§ajU A{V[a³V {à{‘¶‘ ^aUm Ho$ë¶mZ§Va AmídñV AmídñV aH$‘oÀ¶m 50 % À¶m (I§S> 2) À¶m EH$amer (n¶m©¶r g§ajU) aH$‘oÀ¶m 50 % (I§S> 1) Mr EH$amer (I§S> 2) {d‘m CVadbobr hr EH$amer a¸$‘ ~Xby eH$Uma Zmhr {d‘m CVadbobr hr EH$amer a¸$‘ ~Xby eH$Uma Zmhr Ooìhm {d‘oXma 춳Vr nwZéØdZ, H$H©$jon Am{U / Ooìhm {d‘oXma 춳Vr nwZéØdZ, H$H©$jon Am{U / qH$dm n{hë¶m H°$Ýgaer Ag§~ÜX Aem XwX©å¶VoMm qH$dm n{hë¶m H°$Ýgaer Ag§~ÜX Aem XwX©å¶VoMm AZw^d H$aVo Voìhm Xo¶ AgVo. AZw^d H$aVo Voìhm Xo¶ AgVo. hm ’$m¶Xm I§S> 1 À¶m A§VJ©V j{Vny{V© hm ’$m¶Xm j{Vny{V© g§ajUmÀ¶m AmídñV aH$‘oÀ¶m g§ajUmÀ¶m AmídñV aH$‘oÀ¶m ì¶{V[a³V AgVmo. ì¶{V[a³V AgVmo. EH$amergmR>r Xmdm Ho$ë¶mg, I§S> 2 À¶m A§VJ©V EH$amergmR>r Xmdm Ho$ë¶mg, I§S>1 À¶m A§VJ©V g§ajU g§ajU g§nVo d nm°{bgr I§S> 1 gh Mmby amhVo. g§nVo Am{U nm°{bgr I§S> 2 Am{U 3 gh Mmby amhVo. à{Vjm H$mbmdYr 3 ‘{hZo à{Vjm H$mbmdYr 3 ‘{hZo j{Vny{V© g§ajU qgJb ñQ>°ÊS>S>© E/gr Imobr qgJb ñQ>°ÊS>S>© E/gr Imobr (I§S> 1) é½Umb¶mV ^Vu - Imobr ^mS>o 31

sTAR cANCER cARE pLATINUM VS sTAR cANCER gOLD iNSURANCE pOLICY ñQ>ma H°$Ýga Ho$Aa ßbo{Q>{Z¶‘ d ñQ>ma H°$Ýga JmoëS> BÝewaÝg nm°{bgr ¶mVrb ’$aH$ é½Udm{hH$m ewëHo$ gm‘rb (à˶j a³H$‘) à˶oH$ é½Umb¶mÀ¶m ^VugmR>r é. 1,500 Am{U EH§$Xa ‘¶m©Xm à{V nm°{bgr H$mbmdYr é. 2,000 eó{H«$¶oÀ¶m d B§Q>adoÝeZb AmídñV aH$‘on¶ªV AmídñV a³H$‘ : ê$. 3 bmI : é. 1 bmI CnMma nÜXVr AmídñV a³H$‘ : ê$. 5 bmI : é. 1.5 bmI AmídñV a³H$‘ : ê$. 3 bmI : é. 50,000 J¡a-eó{H«$¶oÀ¶m d Zm°Z- AmídñV aH$‘on¶ªV AmídñV a³H$‘ : ê$. 5 bmI : é. 1 bmI B§Q>adoÝeZb CnMma nÜXVr é½Umb¶mVrb ^VuÀ¶m AJmoXa 30 {Xdg Am{U é½Umb¶mVrb ^VuZ§Va 60 {Xdg é½Umb¶mVrb ^VuÀ¶m é½Umb¶mVrb ^VuÀ¶m AJmoXa 30 {Xdg Am{U AJmoXa d Z§Va é½Umb¶mVrb ^VuZ§Va 60 {Xdg (é½Umb¶mVrb {XdgmÀ¶m XoI^mbrÀ¶m H$m¶©àUmbr ¶mV gm‘rb à˶oH$ ^VugmR>r AmídñV ‘wb^yV aH$‘oÀ¶m 2% n¶ªV) AgVrb (à˶j a³H$‘) {XdgmÀ¶m XoI^mbrÀ¶m {XdgmÀ¶m XoI^mbrÀ¶m H$m¶©àUmbr ¶mV gm‘rb H$m¶©àUmbr AgVrb (à˶j a³H$‘) ‘mo{V[~§Xy AmídñV a³H$‘ à{V S>moim à{V nm°{bgr CnbãY AmídñV aH$‘oda AmYm[aV H$mbmdYr (bmI én¶o) 30,000 40,000 40,000 5 60,000 7.5 Am{U 10 ñdmñ϶mMr VnmgUr à˶oH$ Xmdm - ‘w³V dfm©gmR>r 2,500 én¶m§n¶ªV bmJy Zmhr Xwgao d¡ÚH$s¶ ‘V [email protected] gmR>r ‘ob bmJy Zmhr qH$dm nmoñQ> / Hw$[aAaìXmam CnbãY AmYw{ZH$ CnMma nm°{bgr I§S>mV C„oI Ho$boë¶m Cngr‘on¶ªV g§ajU nm°{bgr I§S>mV C„oI Ho$boë¶m Cngr‘on¶ªV g§ajU nwZd©gZ Am{U à{V nm°{bgr df©, AmídñV aH$‘oÀ¶m Cn-gr‘on¶ªV bmJy Zmhr doXZm hmVmiUo (qH$dm) 10 % n¶ªV g§ajU, Oo H$‘r Agob. nwZd©gZmV AZoH$ AmKmV, S>mo³¶mbm BOm, nmR>rÀ¶m ‘U³¶mMm amoJ, ñQ´>moH$ gm‘rb AmhoV. ñdmñ϶ godm 1) n϶mhma d nmofU H$m¶©H«$‘ 2) dOZ hmVmiʶmMm bmJy Zmhr H$m¶©H«$‘ (3) ñQ>ma Q>o{b. hoëW A°nìXmam VÁkm§er g„m‘gbV é½Umb¶mVrb j{VnyVuÀ¶m AmYmamda Am¶wî¶mV EH$Xm Xo¶ Ago bmJy Zmhr XoI^mb ZoQ>dH©$ àmodmBS>g©H$S>o AmœñV aH$‘oÀ¶m 20% n¶ªV Xo¶ : à{Vjm H$mb : 12 ‘{hZo Zmo ³bo‘ ~moZg Xmdm Z Ho$boë¶m à˶oH$ dfm©gmR>r OmñVrV OmñV bmJy Zmhr 50% À¶m AYrZ amhÿZ ‘wb^yV AmídñV aH$‘oÀ¶m 5% Ama§{^H$ à{VjmH$mb gd© AmOmamgmR>r 30 {Xdg (AnKmV dJiVm) {d{eð> amoJm§gmR>r à{Vjm H$mb 24 ‘{hZo gd© AmOmamgmR>r 30 {Xdg (AnKmV dJiVm) 24 ‘{hZo nrB©S>r (H$H©$amoJmgh) 30 ‘{hZo 30 ‘{hZo * ¶m XñVmEodOmV {Xbobr ‘m{hVr gyMH$ ñdénmMr Amho. AQ>r d eVvdarb AmUIr Vnerbm§gmR>r, H¥$n¶m {dH«$s nyU© H$aVmZm nm°{bgrVrb eãX ì¶dpñWV dmMm. 32

ArOGYA sANJEEVANI pOLICY Amamo½¶ g§OrdZr nm°{bgr {df¶ Amamo½¶ g§OrdZr nm°{bgr UIN : SHAHLIP20182V011920 nm°{bgr{df¶r JaOoÀ¶m ’$m¶Úmg{hV {‘iUmao gmYo, gmono {d‘m H$dM g§ajUmMm àH$ma d¡¶{³VH$ Am{U ’°${‘br âbmoQ>a 18 df} Vo 65 df} (EH$mM nm°{bgrV AmB©dS>rb Am{U gmgw-gmgè¶m§Mm g‘mdoe e³¶) nm°{bgr KoVmZmMo d¶ nm°{bgr KoVmZm (‘wbmMo d¶) : 3 ‘{hZo Vo 25 df} (nmbH$m§g‘doV ‘wbm§Mm g‘mdoe e³¶) Q>rn 3 : An˶m§À¶mdahr EH$mM nm°{bgrV g‘mdoe e³¶. ZyVZrH$aU AmOrdZ nm°{bgrMm H$mbmdYr 1 df© nm°{bgr KoʶmAmYrÀ¶m d¶ df} 50 Am{U ˶mhÿZ A{YH$ Agë¶mg A{Zdm¶© d¡ÚH$s¶ VnmgUr hßVo ^aʶmgmR>r n¶m©¶ ‘m{gH$, Ì¡‘m{gH$, AY©dm{f©H$ Am{U dm{f©H$ - n¶m©¶ CnbãY gd© Xmì¶m§gmR>r 5 % Co‐pay bmJy Agob Co‐Pay 1 Lac, 1.5 Lac, 2 Lac, 2.5 Lac, 3 Lac, 3.5 Lac, 4 Lac, 4.5 Lac, 5 Lac, 5.5 Lac, {d‘m aH$‘oMo n¶m©¶ (é) 6 Lac, 6.5 Lac, 7 Lac, 7.5 Lac, 8 Lac, 8.5 Lac, 9 Lac, 9.5 Lac, 10 Lac, é½Umb¶mVrb ImobrMo {d‘m aH$‘oÀ¶m 2 % qH$dm OmñVrV OmñV é. 5,000 ^mS>o (Per Pay) {d‘m aH$‘oÀ¶m 5 % qH$dm OmñVrV OmñV é. 10,000 ICI (Rs.) (Per Day) EH$Xm XmIb H$aVmZm é. 2000 gJù¶m Day Care Mo IM© {‘iVrb. (Á¶mgmR>r é½Umb¶mV 24 Vmg ahmdo bmJV Zmhr.) é½Udm{hHo$Mm IM© EH$m nm°{bgr dfm©V EH$m S>moù¶m§gmR>r {d‘m aH$‘oÀ¶m 25 % n¶ªV qH$dm OmñVrV OmñV é. 40,000 Day Care Procedures {d‘m aH$‘oÀ¶m 50 % n¶ªV CnbãY ‘mo{Vq~Xy {d‘m aH$‘oÀ¶m 100 % n¶ªV CnbãY eó{H«$¶ogmR>rÀ¶m ‘¶m©Xm à˶oH$ Xmdm‘w³V dfm©gmR>r 5 % à‘mUo ‘yi SI À¶m OmñVrV OmñV 50 % a³H$‘ {‘iob. A˶mYw{ZH$ CnMma AYUSH CnMma amoI aH$‘oì¶{V[a³V BVa H$moU˶mhr ‘mJm©Zo hßVo ^aë¶mg H$b‘ 80 (D) A§VJ©V H$a Zmo ³bo‘ ~moZg ‐ NCB gdbVrV nmÌ H$a gdbV 33

gwédmVrMm à{Vjm ArOGYA sANJEEVANI pOLICY H$mbmdYr R>am{dH$ AmOmam§gmR>r Amamo½¶ g§OrdZr nm°{bgr nydunmgyZ ApñVËdmV à{Vjm H$mbmdYr Agbobo AmOma (PED) nm°{bgr KoVë¶mnmgyZ n{hë¶m 30 {XdgmV AnKmVmì¶{V[a³V H$moU˶mhr AmOmanUmgmR>r claim {‘iUma Zmhr. 24 ‘{hݶm§Mm à{Vjm H$mbmdYr (nyU© ¶mXrgmR>r policy wording ~Kmdo) 48 ‘{hݶm§Mm à{Vjm H$mbmdYr (AnKmVmì¶{V[a³V - d¶mo‘mZmZo hmoUmao hmS>o qH$dm gm§Ü¶mMo AmOma nm°{bgr KoVmZm nydunmgyZ (Pre Existing Diseases) ApñVËdmV Agboë¶m AmOmam§Mm IM© nm°{bgrbm 48 ‘{hZo nyU© Pmë¶mda {‘iob. (nm°{bgr gbJ 48 ‘{hZo doioV ZyVZrH$aU H$aUo Amdí¶H$) 34

mEDICLASSIC iNSURANCE pOLICY (pERSONAL) ‘o{S>³bm{gH$ BÝewaÝg nm°{bgr (ì¶{³VJV) {df¶ ‘o{S>³bm{gH$ BÝewaÝg nm°{bgr (ì¶{³VJV) UIN : SHAHLIP20063V031920 nm°{bgr{df¶r hr nm°{bgr VrZ àH$mam§À¶m A§VJ©V é½Umb¶mV ^Vu nwadVo - ~og ßb°Z JmoëS> ßb°Z Am{U ’°${‘br ßb°Z H$moUmgmR>r 춳VrgmR>r Am{U ’°${‘br n°Ho$O ßb°ZgmR>r (2A+2C) (Hw$Qy>§~ åhUOo - ñdV: OmoS>rXma d Am{W©H$ÑîQ>çm Adb§{~V ‘wbo) gh^aUm OmñVrV OmñV {d‘mYmaH$ 춳VrMo àdoemÀ¶m doir d¶ 60 dfm©nojm OmñV Agob Va 10% gh-^aUm bmJy Agob. bmoH$m§Mr g§»¶m ‘mnX§S> 4 춳Vrn¶ªV (ñdV:, OmoS>rXma + 2 Adb§{~V ‘wbo) AmídñV a³H$‘ ~og ßb°Z JmoëS>Z ßb°Z àdoemMo d¶ 3 bmI, 4 bmI, 5 bmI, 10 bmI, 3 bmI, 4 bmI, 5 bmI, 15 bmI, 20 bmI, 25 bmI à{V {XZ 10 bmI, 15 bmI àm¢T> 18 Vo 65 df©. Imobr ^mS>o Adb§{~V ‘wbo 16 dm {Xdg Vo 25 df© àm¢T> 18 Vo 65 df©. 3 bmI d 4 bmI én¶m§gmR>r AmídñV aH$‘oÀ¶m é½Udm{hHo$Mo ewëH$ Adb§{~V ‘wbo 5 ‘{hZo Vo 25 df© 2% ‐ é. 5000 / 5 bmI Vo 25 bmI qgJb ñQ>°ÊS>S>© Egr é‘ é½Umb¶mVrb AmídñV aH$‘oÀ¶m 2% ‐ é. 2000/‐ à{V é½Umb¶mVrb ^aVr ^aVrÀ¶m AJmoXa OmñVrV OmñV é. 5000/‐ d Z§Va 30 {Xdg AJmoXa Am{U 60 {XdgmZ§Va ñdmñWm¶mMr é. 750/‐ à{V é½Umb¶mV ^aVr Am{U VnmgUr é. 1500/‐ à{V nm°{bgr H$mbmdYr à˶oH$ ³bo‘ ’«$s dfm©gmR>r CnbãY. 3 bmI Vo 5 bmI - é. 1500/‐, 10 d 15 bmI - é. ‘mo{Vq~Xy 30 {Xdg AJmoXa Am{U 60 {Xdg Z§Va 2500/‐, 20 d 25 bmI - é. 5000/‐ (é½Umb¶mVrb ^aVrÀ¶m 7% OmñVrV OmñV ‘Zmo{M{H$Ëgm Am{U é. 5000/‐ À¶m AYrZ) 3 bmI Vo 5 bmI é. 20,000/‐ à{V S>moim ‘ZmoX¡{hH$ {dH$ma é. 30,000/‐ à{V nm°{bgr H$mbmdYr 10 bmI gamgar ~o{gH$ EgAm¶À¶m 1% nm°{bgr aZÀ¶m d 15 bmI é. 40,000/‐ à{V S>moim, Mma ³bo‘ ’«$s dfm©À¶m à˶oH$ ãbm°H$Z§Va é. 5000 é. 50,000/‐ à{V nm°{bgr H$mbmdYr. 20 bmI n¶ªV VnmgUr IM© (é. 1.5 bmI EgAm¶gmR>r d 25 bmI é. 45,000/‐ à{V S>moim, CnbãY Zmhr.) é. 60,000/‐ à{V nm°{bgr H$mbmdYr. 2 bmI én¶m§n¶ªV é. 12,000/‐ à{V nm°{bgr n{hë¶m§Xm {ZXmZ Pmbo Am{U {H$‘mZ nmM gbJ H$mbmdYr. 3 bmI Vo 5 bmI é. 20,000/‐ {Xdgm§gmR>r ^aVr Ho$bo. H$ìhaoO ~o{gH$ AmídñV à{V S>moim, é. 30,000/‐ à{V nm°{bgr aH$‘oBVH$s H$mbmdYr 10 bmI d 15 bmI é. 30,000/‐ à{V S>moim, é. 40,000/‐ à{V nm°{bgr H$mbmdYr n{hë¶m§Xm {ZXmZ Pmbo Am{U {H$‘mZ nmM gbJ {Xdgm§gmR>r ^aVr Ho$bo. H$ìhaoO ~o{gH$ AmídñV aH$‘oBVH$s 35

mEDICLASSIC iNSURANCE pOLICY (pERSONAL) ‘o{S>³bm{gH$ BÝewaÝg nm°{bgr (ì¶{³VJV) g§H${bV ~moZg à˶oH$ ³bo‘ ’«$s dfm©gmR>r, OmñVrV OmñV 25% Xwgè¶m dfu ~o{gH$ EgAm¶À¶m 25 Am{U EH§$Xa À¶m AYrZ amhÿZ ~o{gH$ AmídñV aH$‘oÀ¶m 5% OmñVrV OmñV 100% À¶m AYrZ amhÿZ nwT>rb à˶oH$ dfm©gmR>r A{V[a³V 20% AmnmoAmn nwZ:ñWmnZ EgAm¶À¶m 200% J¡a-A°bmon°Wr AmídñV aH$‘oÀ¶m 25% é. 25,000/‐ ~o{gH$ AmídñVÀ¶m 100% CnMmamMr ì¶mßVr CnbãY CnbãY Zmhr gwna [añQ>moaoeZ CnbãY Zmhr KaJwVr CnMma B§{ж Xm˶m§Mm IM© CnbãY Zmhr ~o{gH$ AmídñV aH$‘on¶ªV g§ajU gm‘m{¶H$ {Zdmg CnbãY Zmhr 3 bmI, 4 bmI, 5 bmI é. 500/‐ à{V{XZ à{V é½Umb¶mVrb ^aVr OmñVrV OmñV é. 3000/‐ À¶m AYrZ. 10 bmI, 15 bmI, 20 bmI, 25 bmI é. 1000/‐ à{V {XZ à{V é½Umb¶mVrb ^aVr OmñVrV OmñV é. 6000/‐ À¶m AYrZ amoS> Q´>m{’$H$ CnbãY Zmhr ~o{gH$ AmídñV aH$‘oÀ¶m 50% A°p³gS>|Q>gmR>r (RTA) ~o{gH$ AmídñV aH$‘oÀ¶m 10% qH$dm é. 50,000/‐ Oo H$‘r Agob. A{V[a³V ~o{gH$ AmídñV a³H$‘ ZdOmV {eeyMm CnbãY Zmhr CnMma {XdgmMr XoI^mb {Xdg^amÀ¶m gd© H$m¶©àUmbr g‘m{dîQ> é½Um§Mr {ZJm ’$³V 60 dfm©darb 춳VrgmR>r nyU© Pmboë¶m à˶oH$ {XdgmgmR>r é. 400/‐ Mm ’$m¶Xm (d¡H$pënH$ am¶S>a) à{V é½Umb¶mVrb ^aVrÀ¶m nmM {Xdgmn¶ªV Am{U à{V nm°{bgr H$mbmdYr 14 {Xdg é½Umb¶mVrb amoJ à{V é½Umb¶mÀ¶m ^aVrÀ¶m OmñVrV OmñV 7 {Xdgm§À¶m AYrZ amhÿZ nyU© Pmboë¶m (d¡H$pënH$ am¶S>a) à˶oH$ {XdgmgmR>r é. 1000/‐ Am{U 14 {Xdg à{V nm°{bgr H$mbmdYr 36

àdoemMo d¶ sTAR wOMEN cARE iNSURANCE pOLICY nm°{bgrMm àH$ma ñQ>ma dw‘Z Ho$Aa BÝewaÝg nm°{bgr ‘ܶmdYr g‘mdoe {H$‘mZ 18 df} H$‘mb 75 df} (Adb§{~V Agbobr ‘wbo : {H$‘mZ 91 {Xdg & H$‘mb 25 df}) {deof bm^ Img ‘{hbm§gmR>r {S>PmB©Z Ho$bobo CÎm‘ àm°S>³Q>. ‘{hbm d {VÀ¶m Hw$Qy>§~mÀ¶m JaOm ({Z¶{‘V ZyVZrH$aU hm°pñnQ>bm¶PoeZ Am{U ‘mV¥Ëdg§~§Yr CnMma) nyU© H$aUo d g§ajUmV XoUo hm hoVy. hr nm°{bgr ‘wXV I[aXXmVmbm nyd© n[ajUmMr Amdí¶H$Vm Zgob. J^©YmaUoXaå¶mZhr àdoe {Xbm OmVmo Am{U nm°{bgrnyd© d¡ÚH$s¶ VnmgUr {à{‘¶‘ no‘|Q>‘ܶoM {d‘m hß˶mMm n¶m©¶ hr {deof d¡{eîQ>ço B§{S>pìhÁ¶wAb Am{U âbmoQ>a Ago {d‘m a³H$‘ nm°{bgrMo ñdén. âbmoQ>a - àm¡T> ‘{hbm, OmoS>rXma d Adb§~yZ Agbobr ‘wbo ¶m§Mm g‘mdoe Agob. {d‘m hßVm Zd{ddm{hV / {ddm{hV OmoS>rXma Am{U / qH$dm 45 {Xdg AJmoXa gyMZm XoD$Z XÎmH$ KoVbobo Imobr ^mS>o ‘yb ¶m§Zm A{V[a³V {d‘m hßVm XoD$Z àdoe XoʶmV ¶oB©b. ZdOmV ~mbH$mMm g‘mdoe OÝ‘ ‘mVm gwajm {XZmH$m§nmgyZ 90 {Xdgm§À¶m AmV gyMZm {Xë¶mda Ho$bm OmB©b. A°åã¶wbÝg MmO}g 25 dfmªn¶ªV d¶ Agboë¶m A{ddm{hV ‘wbJr (~oamoOJma Agë¶mg 30 df}) Adb§~yZ Agbobo S>o Ho$Aa ‘wb Ago g§~moYʶmV ¶oB©b. 30 df} d¶mZ§Va {Vbm àm¡T> 춳V ‘mZbo OmB©b. ñQ>ma hoëW Ad¶dXmZ IM© H§$nZrÀ¶m ‘mݶ gyMrVrb hm°pñnQ>b‘ܶo 12 Vo 20 AmR>dS>çm§n¶ªV J^©YmaUm Agboë¶m ‘{hbm ñH°${Z©H$ H$ê$Z d Vmo [anmoQ>© gmXa H$éZ hr nm°{bgr hmoD$ eH$VmV. {ddmhmnydu hr nm°{bgr Ad¡ÚH$s¶ dñVy§gmR>r gwajm KoVboë¶m ‘{hbm gmV˶ bm^mgh ‘mV¥Ëd {d^mJmÀ¶m A§VJ©V Xmì¶mgmR>r nmÌ AgVrb. bmB©’$bm±J 1, 2 Am{U 3 df} Amdí¶H$ Zmhr. {H$‘mZ - 5 bmI & H$‘mb - 1 H$moQ>r Ì¡‘m{gH$ / ghm‘mhr / dm{f©H$ / {Ûdm{f©H$ / V¡dm{f©H$ {d‘m aH$‘oÀ¶m 1% & H$‘mb - ê$. 20,000 {d‘mYmaH$ 춳Vr 12 dfm©nojm H$‘r d¶mMo ~mbH$ Agë¶mg, ‘mVoÀ¶m ê$½Umb¶mV amhʶmgmR>r qgJb, àm¶ìhoQ>, E/gr ê$‘n¶ªVMm IM© H§$nZr XoB©b. Oa {d‘m CVadbobo ‘yb Am¶gr¶y‘ܶo CnMma KoV Agob Va ˶mM hm°pñnQ>b‘ܶo Imobr CnbãY Zgë¶mg H§$nZr à˶oH$ doir ^aVr hmoʶmgmR>r A{YH$V‘ 7 {Xdgm§gmR>r hm°Q>obÀ¶m ê$‘gmR>r ê$. 2500/‐ ^anmB© XoB©b Oa hm°Q>ob ê$½Umb¶mnmgyZ 2 {H$.‘r. AmV Agob Va añVm A°åã¶wbÝg - dmñVd ^mS>o EAa A°åã¶wbÝg - 10 bmImnojm A{YH$ {d‘m a³H$‘ Agë¶mg à{Vdf© {d‘m aH$‘oÀ¶m 10% ê$½Umb¶mV ^aVrnyd© - 60 {Xdg {S>ñMmO© Z§Va - 90 {Xdg Aem ê$½Um§‘ܶo Á¶mV Xm˶mH$Sy>Z àmßVH$˶m© {d‘mYmaH$ 춳VrgmR>r B§{ж amonUmgmR>r Pmbobm à˶j IM© Xo¶ Agob. VgoM ao{S>Amo gO©ar / Am¶gr¶w àdoemgmR>r (Jw§VmJw§V Amdí¶H$ Agë¶mg) Xm˶mgmR>r Pmboë¶m IMm©Mm g‘mdoe Agob hm IM© H$‘mb {d‘m aH$‘oEdT>m ‘mݶ Agob. Oa ñdrH¥$V Xmdm Agob Va ¶mXr 1 (nm°{bgr XñVmVrb eãXm§H$ZmZwgma) ‘Yrb dñVy Xo¶ AgVrb. 37

sTAR wOMEN cARE iNSURANCE pOLICY ñQ>ma dw‘Z Ho$Aa BÝewaÝg nm°{bgr BVa CnMma nÜXVr Am¶wf, Am¶wd}X, ¶wZmZr, {gÜXg Am{U hmo{‘Amon°Wr CnMma ‘mݶ AmhoV. ñQ>ma dobZog àmoJ«m‘ H§$nZrÀ¶m \"ñQ>ma nm°da' ¶m ‘mo~mB©b A°nìXmao Am{U \"H$ñQ>‘a nmoQ>©b' ìXmam {d‘oXmamg EH$ {ZamoJr (18 dfm©darb {d‘oXmam§gmR>r) OrdZe¡br AZwgaʶmgmR>r MmbZm {‘imdr ¶m hoVyZo H§$nZrìXmao àmoËgmhZna dobZog nm°BªQ> {Xbo OmVmV. ˶m AmYmao {à{‘¶‘‘ܶo {d‘oXmamg {S>ñH$mD§$Q> {Xbm OmD$ eH$Vmo. gm‘mB©H$ {Zdmg ê$. 2000/‐ à{V {XZ. à˶oH$ {Za§Va Am{U gm‘mB©H$ {ZdmgmV nyU© Ho$boë¶m {ZdmgmÀ¶m 24 ~°[aE{Q´>H$ gO©ar : (a³H$‘ bmImV. Vmgm§À¶m H$mbmdYrgmR>r ê$½Umb¶mVrb à˶oH$ ^aVrgmR>r (H$‘mb 7 {Xdg) a³H$‘ Xo¶ Agob. à{Vjm H$mbmdYr XmoZ df}) A°Q>mo [añQ>moaoeZ {d‘m a³H$‘ 5 10 15 20 25 50 100 ‘mݶ a³H$‘ 2.50 2.50 2.50 5 5 5 5 (‘wi {d‘m aH$‘oÀ¶m 100% n¶ªV) gwajm ‘¶m©XoÀ¶m Am§{eH$ / nyU© dmna Ho$ë¶mda bJoMM nwZd©gZ Am{U doXZm Cn‘¶m©Xm qH$dm OmñVrV OmñV AmídñV aH$‘oÀ¶m 10% n¶ªV. ì¶dñWmnZ (noZ ‘°ZoO‘|Q>) Oo H$‘r Agob VodT>o g§ajU {‘iob. AmYw{ZH$ CnMma {d‘m a³H$‘ 5 Vo 15 bmI 20 Vo 50 bmI 1 H$amoS> {d‘m aH$‘oÀ¶m % 50% 40% 30% ghm¶H$ àOZZ CnMma (a³H$‘ {d‘m a³H$‘ 5 10 15 20 25 50 100 bmImV) à{Vjm H$mbmdYr 3 df} ‘mݶ a³H$‘ 0.50 1.00 1.50 2.00 2.00 2.50 3.00 àgy{Vnyd© H$miOr à{V nm°{bgr IM© {d‘m a³H$‘ 5 Vo 15 bmI 20 bmI Vo 1 H$amoS> J^©YmaUoMr ImÌr Ho$ë¶mZ§Va ‘mݶ a³H$‘ 2500 5000 ~møé½U åhUyZ CnMma Ho$bm OmVmo. SA 5 Vo 10 bmI = 2 df} SA 15 bmI + = 1 df© J^m©e¶mVrb J^m©Mr AmonZ ’o$Q>b gO©ar. eó{H«$¶m/ gwYmaUm ’o$Q>|S>mo ’o$Q>b gO©ar à{Vjm H$mbmdYr - FIGS ‐ IT 5 d 10 bmI {d‘mamergmR>r 2 df} Exit Procedure 15 bmI+ {d‘mamergmR>r 1 df} EopÀN>H$ Zg~§Xr IM© : 22 dfm©Imbrb {ddm{hV {d‘oXmamg bmJy à{Vjm H$mbmdYr - 2 df} AnKmVm‘wio J^©nmV {d‘m a³H$‘ 5 Vo 15 bmI 20 bmI Vo 1 H$amoS> (Am¶wî¶mV EH$XmM ‘mݶ) ‘mݶ a³H$‘ 2500 5000 à{Vjm H$mbmdYr - {d‘m amer 5 Am{U 10 bmI - 2 df} {d‘m amer - 15 bmI A{YH$ - 1 df© 38

sTAR wOMEN cARE iNSURANCE pOLICY ñQ>ma dw‘Z Ho$Aa BÝewaÝg nm°{bgr é½Umb¶mV ^aVr hmoʶmMm IM© d¡ÚH$s¶ Am{U eó{H«$¶m CnMma IM©, àgy{Vnyd© Am{U àgyVrZ§VaMr eó{H«$¶m qH$dm gwYmaUm ¶mgh - {d‘m aH$‘oÀ¶m H$‘mb 25% Z§VaMo df© (bmJy {à{‘¶‘À¶m Xo¶H$mda) {d‘m aH$‘oÀ¶m 100% n¶ªV gwa{jV bgrH$aU IM© é½Umb¶mV ^aVr ê$½UmMm IM© (OÝ‘OmV A§VJ©V Am{U ~mø Xmof/{dg§JVr Zmhr) M¶mnM¶ VnmgUr ZdOmV ~mbH$mÀ¶m OÝ‘mnmgyZ 12 ‘{hݶm§n¶ªV Xo¶. (‘oQ>mo~mo{bH$ pñH«$qZJ) {d‘m a³H$‘ 5 Vo 10 bmI = ê$. 2500 & {d‘m a³H$‘ 15 bmI + = ê$. 3500 ~mbamoJVk H$ÝñbQ>oeZ ~møê$½U VnmgUr (AmonrS>r) H$‘mb ê$. 3500/‐ (’$³V EH$XmM) à{V nm°{bgr df© ‘¶m©Xm H$H©$amoJmgmR>r (EH$aH$‘r gwajm à{Vdf© 4 gëë¶mn¶ªV (‘¶m©Xm - EH$ gëbm 500/‐) & d¶mÀ¶m 12 ì¶m dfmªn¶ªV CnbãY à{Vjm H$mbmdYr 6 ‘{hZo {d‘m a³H$‘ 5 Vo 15 bmI 20 Vo 25 bmI 50 bmI Vo 1 H$amoS> ‘mݶ a³H$‘ é. 2500 é. 3500 é. 5000 91 {Xdg Vo 65 df} d¶moJQ>mVrb ‘{hbm {d‘oXmamgmR>r CnbãY. Ho$di d¡¶{³VH$ {då¶mMr a³H$‘ Xo¶. n{hë¶mXmM H$H©$amoJmMo {ZXmZ Pmë¶mg EH$aH$‘r qH$dm a³H$‘ Xo¶ Amho. * AMyH$ AWm©gmR>r H§$nZrÀ¶m ‘yi B§J«Or n[anÌH$m§MmM AmYma ¿¶mdm. 39

sTAR hEALTH pREMIER iNSURANCE pOLICY ñQ>ma hoëW {à{‘¶a BÝewaÝg nm°{bgr H$ìhaMm àH$ma d¡¶{³VH$ Am{U âbmoQ>a àdoemMo d¶ àm¡T>m§gmR>r : {H$‘mZ 50 df} (àmW{‘H$ gXñ¶) Am{U H$‘mb H$moU˶mhr d¶mn¶ªV ‘ܶmdYr g‘mdoe Am{lV ‘wbm§gmR>r : 91 {Xdg Vo 25 df} PmoZ (amÁ¶) AmYm[aV qH$‘V Zd{ddm{hV/{ddm{hV OmoS>rXma : b¾mÀ¶m VmaIonmgyZ 45 {Xdgm§À¶m AmV b¾mMr ‘m{hVr Úmdr. Hw$Qw>§~mVrb gXñ¶ g§»¶m nm°{bgrMr ‘wXV PmoZ 1 : {X„rgh ’$[aXm~mX, JwS>Jmd, Jm{P¶m~mX Am{U ZmoES>m, ‘w§~B©gh R>mUo, Ah‘Xm~mX, nm°{bgrnyd© d¡ÚH$s¶ VnmgUr gwaV Am{U ~S>moXm. PmoZ 2 : Cd©[aV ^maV {d‘m aH$‘oMo n¶m©¶ (a³³‘ bmImV) H$‘mb 2 àm¡T> + 3 ‘wbo hm°pñnQ>b‘ܶo XmIb hmoʶmnydu Am{U Z§Va EH$ df©, XmoZ df} Am{U VrZ df} añVm é½Udm{hH$m ewëH$ Amdí¶H$ Zmhr. S>o Ho$Aa à{H«$¶m ‘moVrq~Xy 10 20 30 50 75 100 Ad¶dXm˶mMm IM© 65 dfmªdarb 춺$s¨gmR>r {då¶mMr a¸$‘ 50 bmI én¶m§n¶ªV ‘¶m©{XV Amho Am¶wf (Am¶wd}{XH$) 60 {Xdg Am{U 90 {Xdg (dmñV{dH$) {Zdmgr d¡ÚH$s¶ CnMma H$ìha Ho$bobo (dmñV{dH$) 1) hm°pñnQ>b‘ܶo ZoʶmgmR>r 2) EH$m hm°pñnQ>b‘YyZ Xwgè¶m hm°pñnQ>b‘ܶo ñQ>ma dobZog àmoJ«m‘ ({d‘mYmaH$mMo 3) hm°pñnQ>bnmgyZ {ZdmgñWmZmn¶ªV d¶ 18 dfmªgmR>r CnbãY) gd© {Xdg \"S>o Ho$Aa' g‘m{dï> AmhoV (dmñV{dH$) gd© {Xdg \"S>o Ho$Aa' g‘m{dï> AmhoV (dmñV{dH$) {då¶mMr a¸$‘ (bmImV) à{V S>moim ‘¶m©Xm (é.) à{V nm°{bgr df© ‘¶m©Xm (é.) 10/20/30 50,000 80,000 60,000 50 Am{U ˶mhÿZ A{YH$ 1 bmI {då¶mÀ¶m aH$‘on¶ªV g§a{jV \"arS>mo gO©ar' qH$dm \"Am¶gr¶y àdoe' Amdí¶H$ Agboë¶m Jw§VmJw§Vm§gmR>r (Agë¶mg) ‘yb^yV {d‘m aH$‘on¶ªV Vo A{V[aº$ {d‘m a³H$‘. ¶mMm Cn¶moJ Xm˶mÛmao Ho$bm OmVmo d {d‘mYmaH$mÛmao Zmhr. {då¶mÀ¶m aH$‘on¶ªV g§a{jV VrZ {Xdgm§nojm OmñV H$mbmdYrgmR>r CnpñWV S>m°³Q>am§À¶m gëë¶mZwgma Kar (Am¶wfgh) KoVbobo CnMma \"ñQ>ma nm°da' Am{U \"H$ñQ>‘a nmoQ>©b ([aQ>ob)' XmoÝhr‘ܶo CnbãY Amho. {d‘mYmaH$mg \"[adm°S>© nm°B§Q>' {‘idy eH$Vmo Am{U dobZogMr C{Ôï>o ZmdZm|XUr H$ê$Z Am{U gmܶ H$ê$Z ZyVZrH$aU àr{‘¶‘da 10% n¶ªV àr{‘¶‘ gyQ> {‘idy eH$Vmo. (Vn{ebm§gmR>r H¥$n¶m nm°{bgr eãX / ‘m{hVrnÌH$ nhm.) 40

sTAR hEALTH pREMIER iNSURANCE pOLICY ñQ>ma hoëW {à{‘¶a BÝewaÝg nm°{bgr {då¶mMo n¶m©¶ (a³³‘ bmImV) 10 20 30 50 75 100 ~°[aE{Q´>H$ eó{H«$¶m (é. bmIm§‘ܶo) 2.50 2.50 5 5 5 5 (àVrjm H$mbmdYr 2 df}) à˶oH$ Šbo‘ ’«$s dfm©gmR>r 20% {då¶mMr a¸$‘ H$‘mb 100% {då¶mÀ¶m aH$‘oÀ¶m AYrZ Amho. g§M¶r ~moZg (é. bmIm§‘ܶo) 10 20 30 50 75 100 ñd¶§M{bV nwZgªM{¶V (‘yb^yV {d‘m aH$‘oÀ¶m 100% n¶ªV) Cn-‘¶m©Xon¶ªV (qH$dm) H$‘mb 10% ¶mn¡H$s à˶oH$ nm°{bgr dfm©V Oo H$‘r Agob Vo H$ìha Ho$bo (H$ìhaoOÀ¶m ‘¶m©XoMm Am§{eH$/nyU© OmVo. A{YH¥$V H|$Ðm§da CnMma KoVbo OmVmV (www.star‐health.in) dmna Ho$ë¶mda bJoM CnbãY) {då¶mÀ¶m aH$‘oÀ¶m 50% n¶ªV nwZd©gZ Am{U doXZm ì¶dñWmnZ 10 20 30 50 75 100 AmYw{ZH$ CnMma {då¶mMr a¸$‘ é. (bmI) Amamo½¶ VnmgUr (à˶oH$ ³bo‘ ’«$s dfm©Z§Va ZyVZrH$aUmda Xo¶) d¡¶{º$H$ (é.) 3000 4000 4500 5000 7000 âbmoQ>a (é.) 4000 6000 6500 7500 10000 ~møé½U (H$ìha d¡¶{º$H$ (é.) 3000 4000 4500 5000 7000 EH$ {Xdg) âbmoQ>a (é.) 4000 6000 6500 7500 10000 hm°pñng Ho$Aa www.starhealth.in ¶m do~gmBQ>da Z‘yX Ho$boë¶m Am‘À¶m ZoQ>dH©$ gw{dYoMm bm^ KoVë¶mg, OmñVrV OmñV é. 5 bmIm§À¶m AYrZ Agboë¶m {då¶mÀ¶m aH$‘oÀ¶m 10% (à˶oH$ {d‘mYmaH$ 춺$sbm Am¶wî¶mV EH$Xm Xo¶.) hmo‘Ho$Aa CnMma {d‘mYmaH$ 춺$sZo Kar KVo bëo ¶m CnMmamg§ mR>r, nm{° bgr dfmV© OmñVrV OmñV é. 5 bmImÀ§ ¶m AYrZ Agbëo ¶m {d‘m aH$‘Ào ¶m 10% (H$o di {Z{Xï© > AQ>tgmR>r. Vnerbmg§ mR>r H$¥ n¶m nm{° bgr AQ>r nhm) gh-no‘|Q> {d‘m hß˶m§Mo n¶m©¶ àdoemÀ¶m doir Á¶m§Mo d¶ 65 dfmªnojm OmñV Agob Aem Xmì¶mÀ¶m aH$‘oda 20% bmJy. XrK©H$mbrZ gdbV Ì¡‘m{gH$, AY©dm{f©H$ XrK©H$mbrZ gdbV XmoZ dfmªÀ¶m nm°{bgrgmR>r Xwgè¶m dfm©À¶m àr{‘¶‘da 10% gyQ>. VrZ dfmªÀ¶m Xwgè¶m Am{U {Vgè¶m dfm©À¶m àr{‘¶‘da 11.25% XmoZ dfmªÀ¶m nm°{bgrgmR>r Xwgè¶m dfm©À¶m àr{‘¶‘da 10% gyQ>. VrZ dfmªÀ¶m Xwgè¶m Am{U {Vgè¶m dfm©À¶m àr{‘¶‘da 11.25% 41

sTAR hEALTH pREMIER iNSURANCE pOLICY ñQ>ma hoëW {à{‘¶a BÝewaÝg nm°{bgr âbmoQ>a gdbV 50 df} Am{U ˶mhÿZ A{YH$ d¶mÀ¶m àm¡T>m§gmR>r, OmoS>rXmamMo d¶ 50 dfmªnojm H$‘r Agë¶mg, ’°${‘br âbmoQ>a H$ìha Am°’$a Ho$bo OmD$ eH$Vo. 50 df} d¶mMm àr{‘¶‘ {dMmamV KoVë¶mg Amamo½¶ VnmgUr gmXa OmoS>rXmamgmR>r 10% gdbV H$aʶmgmR>r àr{‘¶‘‘ܶo gyQ> âbmoQ>a aH$‘oÀ¶m {d‘m AmYmamda 2 àm¡T>m§Zm g‘mZ nm°{bgrA§VJ©V H$ìha Ho$bo OmVo. Voìhm VéU àma§{^H$ àVrjm H$mbmdYr gXñ¶mgmR>r àr{‘¶‘da 40% Mr âbmoQ>a gdbV CnbãY AgVo. {d{eï> amoJm§gmR>r 10% gdbV bmJy Amho, Oa g§^mì¶ ì¶º$sZo ñWmnZoÀ¶m doir H$mJXnÌo g~{‘Q> Ho$br, Va hr gdbV ˶mZ§VaÀ¶m gd© ZyVZrH$aUmgmR>r XoIrb {Xbr OmB©b Am{U Oa nm°{bgr ~«oH${edm¶ gVV ZyVZrH$aU Ho$br Jobr Agob. Stress ECHO Report / TMT (‘mJ©Xe©ZmImbr Ho$bo), BP Report (3 Reading), Fasting Blood Sugar (FBS) Am{U HBA1C, Blood Urea Am{U Creatinine, g§nyU© ‘yÌ VnmgUr (CUE). MmMUr àñVmdmÀ¶m VmaIoÀ¶m 45 {Xdg AJmoXa KoʶmV ¶mdr. àVrjm H$mbmdYr gd© AmOmam§gmR>r 30 {Xdg (AnKmV dJiVm) 2 df© AmYrM ApñVËdmV 2 df© Agboë¶m amoJm§gmR>r ~°[aE{Q´>H$ eó{H«$¶m 2 df© hm°pñng Ho$Aa 2 df© * ¶m XñVEodOmV {Xbobr ‘m{hVr Ho$di gyMH$ Amho. AQ>r d eVvÀ¶m A{YH$ Vnerbm§gmR>r, H¥$n¶m {dH«$s nyU© H$aʶmnydu nm°{bgrMo eãX dmMm. 42

StAR CrITICAL IlLNESS MuLTIPAY InSURANCE PoLICY ñQ>ma {H«$Q>rH$b BbZog ‘ëQ>rno BÝewaÝg nm°{bgr YmoaUm~Ôb ‘ëQ>rno BÝewaÝg nm°{bgr hr EH$ ñdV§Ì J§^ra AmOma nm°{bgr Amho Or J§^ra H$ìhaMm àH$ma AmOmamÀ¶m 4 JQ>m§À¶m {ZXmZmda EH$aH$‘r àXmZ H$aVo. d¡¶{º$H$ {då¶mMr a¸$‘ àdoemMo d¶ 18 df} Vo 65 df} nm°{bgr Q>‘© EH$/XmoZ/VrZ df} gmV˶ {d‘mYmaH$ 춺$s ZyVZrH$aUmgmR>r nmÌ Amho Oa Xmdm Ho$bm Jobm Zgob Va {H$‘mZ EH$ {då¶mMr a¸$‘ n¶m©¶ loUr gmoS>br Agob {H$‘mZ é. 5 bmI Vo H$‘mb é. 25 bmI (é. 1 bmImÀ¶m nQ>rV) H$‘md˶m 춺$s¨gmR>r {då¶mMr a¸$‘ 18 Vo 35 df} d¶moJQ>mgmR>r dm{f©H$ CËnÞmÀ¶m 12 nQ> Am{U 35 dfmªnojm OmñV d¶mÀ¶m 춺$s¨gmR>r dm{f©H$ CËnÞmÀ¶m 10 nQ>. H$‘mb {då¶mMr a¸$‘ é 25 bmIm§nojm OmñV Agy eH$V Zmhr. H$‘mB© Z H$aUmè¶m H$‘mb é. 15 bmIm§n¶ªV. {d‘m Zgbobr a¸$‘ hr àmW{‘H$ gXñ¶mÀ¶m {då¶mÀ¶m 춺$s¨gmR>r {då¶mMr a¸$‘ aH$‘onojm OmñV Agy eH$V Zmhr. nm°{bgrnyd© d¡ÚH$s¶ VnmgUr {då¶mgmR>r àñVm{dV 춺$sMo d¶ 50 dfmªnojm OmñV Amho Am{U Á¶m§Zr àñVmd ’$m°‘©‘ܶo à{VHy$b d¡ÚH$s¶ B{Vhmg Kmo{fV Ho$bm Amho. àr{‘¶‘ no‘|Q> n¶m©¶ Ì¡‘m{gH$, ghm‘mhr. àr{‘¶‘ dm{f©H$, {Ûdm{f©H$ (2 dfmªVyZ EH$Xm) Am{U Ì¡dm{f©H$ (3 dfmªVyZ EH$Xm) XoIrb ^abm OmD$ eH$Vmo. H$ìha Ho$bobo à‘wI amoJ JQ> H«$‘m§H$ 1) H$H©$amoJ; JQ> H«$‘m§H$ 2) öX¶mer g§~§{YV pñWVr, JQ> H«$‘m§H$ EH$aH$‘r H$ìha 3) ‘|Xÿ Am{U ‘‚mmg§ñWoer g§~§{YV n[apñWVr, JQ> H«$‘m§H$ 4) ‘w»¶ Ad¶d Am{U BVa n[apñWVr. (A) H$‘mb EH$aH$‘r ({då¶mÀ¶m aH$‘oÀ¶m 100% n¶ªV) dê$Z AXm Ho$br OmD$ eH$Vo. H$ìha Ho$boë¶m à‘wI amoJm§Mm à˶oH$ JQ> Am{U Am¶wî¶^a EHy$U \"noAmCQ>' {d‘mYmaH$ {då¶mÀ¶m aH$‘oÀ¶m 400% nojm OmñV Agy eH$V Zmhr. 43

StAR CrITICAL IlLNESS MuLTIPAY InSURANCE PoLICY ñQ>ma {H«$Q>rH$b BbZog ‘ëQ>rno BÝewaÝg nm°{bgr (~) à˶oH$ KQ>ZoÀ¶m Xaå¶mZ 12 ‘{hݶm§Mm àVrjm H$mbmdYr bmJy hmoB©b. AQ> : (åhUOo n{hbr Am{U Xwgar pñWVr qH$dm Xwgar Am{U {Vgar pñWVr qH$dm {Vgar Am{U Mm¡Wr pñWVr Xaå¶mZ) (H$) nm°{bgr dfm©V OmñVrV OmñV EH$M Xmdm Xo¶ AgVmo. (S>) {d‘mYmaH$ 춺$s ZyVZrH$aUmgmR>r nmÌ Amho, Oa Xmdm Ho$bm Jobm Zgob Va {H$‘mZ EH$ loUr gmoS>br Agob. (B©) à˶oH$ JQ>m§VJ©V ’$³V EH$M Xmdm ‘mݶ Amho. ñQ>ma dobZog àmoJ«m‘ dobZog ßb°Q>’$m°‘© Am‘À¶m ‘mo~mB©b A°n ñQ>ma nm°da d J«mhH$ nmoQ>©b ([aQ>ob) XmoÝhr‘ܶo àma§{^H$ àVrjm H$mbmdYr CnbãY Amho. {d‘mYmaH$ [adm°S>© nm°B§Q> {‘idy eH$Vmo Am{U ZyVZrH$aU àr{‘¶‘da 10% n¶ªV àr{‘¶‘ gyQ> {‘idy eH$Vmo Am{U {ZamoJrnUmMr C{Ôï>o {‘idy eH$Vmo. àVrjm H$mbmdYr 90 {Xdg à˶oH$ pñWVrÀ¶m KQ>ZoÀ¶m Xaå¶mZ 12 ‘{hZo OJʶmMr H$mbmdYr 15 {Xdg ({d‘mYmaH$ 춺$sMo {ZXmZ Pmë¶mnmgyZ Vo {Od§V Agbo nm{hOo ‘moR>m AmOma) ¶m XñVEodOmV {Xbobr ‘m{hVr Ho$di gyMH$ Amho. AQ>r Am{U eVvÀ¶m A{YH$ Vnerbm§gmR>r, H¥$n¶m {dH«$s nyU© H$aʶmnydu nm°{bgrMo eãX dmMm. 44

sTAR hEALTH aSSURE iNSURANCE pOLICY ñQ>ma hoëW A°í¶wAa BÝewaÝg nm°{bgr nm°{bgr~m~V 50 dfmªdarb bmoH$m§gmR>r EH$ {deof Amamo½¶ H$dM. A{YH$Mo ’$m¶Xo àXmZ H$aVo Am{U AZno{jV AmUr~mUrnmgyZ ˶m§Mo Am{U ˶m§À¶m Hw$Qy>§~mMo g§ajU H$aVo. nm°{bgr àH$ma d¡¶{³VH$ Am{U âbmoQ>a àdoemMo d¶ d¡¶{³VH$ àH$mamV : {H$‘mZ 18 df}, H$‘mb 75 df}. Adb§~yZ Agbobr ‘wbo : {H$‘mZ 91 {Xdg H$‘mb 18 df} âbmoQ>a àH$mamV : {H$‘mZ 18 df}. H$‘mb 75 df}. Adb§~yZ Agbobr ‘wbo : {H$‘mZ 16 {Xdg H$‘mb 18 df} Hw$Qy>§~mMr gXñ¶ g§»¶m H$‘mb : àm¢T> 춳Vr - 2, ‘wbo - 3, AmB©-dS>rb, gmgy-gmgao ZdrZ gXñ¶m§Mm g‘mdoe àm¢T> 춳Vr - 6, ‘wbo - 3 (¶oWo àm¢T>m‘ܶo Hw$Qy>§~à‘wI, nËZr, AmB©-dS>rb, gmgy-gmgao Aer ì¶m»¶m Ho$br Amho.) ‘wbo d nmbH$ ¶m§MogmR>r nm{hOo Agë¶mg ñdV§Ì nm°{bgr KoVm ¶oB©b. Aemdoir Hw$Qy>§~ gXñ¶ g§»¶m - 2 ‘mZbr OmB©b. {ddmhmZ§Va nËZr, ‘wb§ / XÎmH$ ‘wb ¶m§Mm g‘mdoe. 45 {Xdgm§Mr AJmoXa gyMZm XoD$Z ZdrZ gXñ¶mMm g‘mdoe H$aVm ¶oVmo. Co‐Pay 61 dfmªdarb 춳VtMm ZdrZ qH$dm [aݶwAb nm°{bgr~m~V à˶oH$ ³bo‘gmR>r 10 % ZyVZrH$aU AmOrdZ ‘wXV 1 df©, 2 df}, 3 df} hßVm a³H$‘ gwQ> 2 df} Am{U 3 df} ‘wXVrÀ¶m nm°{bgrg Xwgè¶m d {Vgè¶m dfm©À¶m {à{‘¶‘‘ܶo 10% gwQ>. âbmoQ>a {S>ñH$mD§$Q> âbmoQ>a nm°{bgr àH$mamV 17 dfmªn¶ªVMo ‘wbmMm Hw$Qy>§~ gXñ¶ g§»¶oV g‘mdoe Ho$bm OmB©b. 17 dfmªdarb ‘wbmg âbmoQ>a àH$mamV d¶mZwgma {à{‘¶‘ AmH$mabm OmB©b. 1A {à{‘¶‘ Q>o~bà‘mUo 40% gwQ> {Xbr OmB©b. (gmgy gmgè¶m§Mm 1A {à{‘¶‘ Q>o~bà‘mUo à˶j d¶mZwgma ¶oUmè¶m {à{‘¶‘‘ܶo 10% gyQ> {Xbr OmB©b.) nyd©AmOmam§Mo n[ajU Á¶m {d‘Xo mamZo Amnbo ndy © AmOma Km{o fV H$o bo AmhVo d ˶mZ§ m nm{° bgrndy © Vnmgʶm H$ê$Z ¿¶mì¶m bmJVrb. ˶mMm IM© H$§ nZr H$abo . d¶ 12 dfmI© mbrb ‘bw mgmR>r ~mbamJo VkmMm Ahdmb, (Screening) bgrH$aU Ahdmb qH$dm Amam½o ¶ Ahdmb CMU Q>r‘À¶m AdbmHo $ZmW© gmXa H$amdo bmJVrb. {d‘m a³H$‘ 5 bmI, 10 bmI, 15 bmI, 20 bmI, 25 bmI, 50 bmI, 75 bmI, 1 H$moQ>r, 2 H$moQ>r àdoemMo doir 65 dfmªn¶ªV d¶ Agboë¶m {d‘oXmamg 75 bmI, 1 H$moQ>r, 2 H$moQ>r {d‘m a³H$‘ ‘mݶ Agob. Imobr ^mS>o 50 bmIm§n¶ªVÀ¶m {d‘m amerg {d‘mamerÀ¶m 1% (H$‘mb ê$. 20,000) amoO Imobr ^mS>o {Xbo OmB©b. ˶mdarb {d‘m amerg Imobr ^mS>çmMr ‘¶m©Xm Zmhr. {dZm d¡ÚH$s¶ (Consumables) A°S>{‘Q> Agboë¶m noe§Q>bm S>o-Ho$Aa ñdê$nmV {Xboë¶m ¶mXrà‘mUo ¶m ~m~tdarb IM© ‘mݶ ~m~tdarb IM© Agob. 45

sTAR hEALTH aSSURE iNSURANCE pOLICY ñQ>ma hoëW A°í¶wAa BÝewaÝg nm°{bgr A°åã¶wbÝg IM© {d‘m amerÀ¶m à‘mUmV KamnmgyZ hm°pñnQ>bn¶ªV EH$m hm°pñnQ>b‘YyZ Xwgè¶m hm°pñnQ>b‘ܶo Va hm°pñnQ>b‘YyZ Kamn¶ªVMm A°åã¶wbÝg IM© Xo¶ Agob. hm°pñnQ>b àdoemnydu d {d‘m amern¶ªV 60 {Xdg d 180 {Xdg nümV IM© Ad¶d XmVm IM© {d‘m amerBVH$m IM© Xo¶ Agob. Jw§VmJw§VrÀ¶m ao{S>Amo gO©ar, Am¶.gr.¶w. A°S>{‘eZàg§Jr ‘yi {d‘m amerBVH$m A{V[a³V IM© Xo¶ Agob. S>o Ho$Aa {Q´>Q>‘|Q> gd© àH$maMm S>o Ho$Aa {Q´>Q>‘|Q> IM© {d‘m amerBVH$m Xo¶ am{hb. Kar Ho$boë¶m CnMmam§darb IM© VrZ {Xdgm§nojm OmñV H$mi Kar Ho$boë¶m CnMmam§darb {d‘m amerEdT>m IM© ‘mݶ Agob. hmo‘ Ho$Aa {Q´>Q>‘|Q> {d‘m amerÀ¶m 10%, EH$m nm°{bgr dfm©V H$‘mb 5 bmImn¶ªVMm IM© Xo¶ Agob. EAa A°åãë¶wbÝg {d‘m amerÀ¶m 10% ñQ>ma dobZog àmoJ«m‘ : ‘mo~mB©b A°n 'Star Powar' Am{U Customer Portal (Retail) da CnbãY Agboë¶m dobZog (18 dfmªn¶ªVÀ¶m {d‘oXmamg) ßb°Q>’$m°‘©‘ܶo gh^mJr hmoD$Z {d‘oXma [admS>© nm°BªQ> àmá H$ê$ eH$Vmo Am{U {à{‘¶‘‘ܶo 20% gyQ> {‘idy eH$Vmo. A{YH$ ‘m{hVrgmR>r H§$nZrÀ¶m ‘yi n[aÌH$mMm Aä¶mg H$amdm. {d‘m amer {dH$ën 5 10 15 20 25 50 75 100 200 (a³H$‘ bmImV) 8000 15000 Amam½o ¶ VnmgUr d¡¶{³VH$ 1500 2000 4000 5000 5000 5000 8000 8000 IM© (a³H$‘ én¶mV§ ) à˶Ho $ nm{° bgr dfmV© âbmoQ>a 2500 5000 8000 10000 10000 10000 15000 15000 (³b‘o Zgbo Va) ~moZg : ³bo‘ Z Amë¶mg {d‘m aH$‘oÀ¶m 25% à˶oH$s, H$‘mb {d‘m amerÀ¶m 100% Am¶wf CnMma : (Am¶wd}X, {d‘m amerBVH$m Xo¶. ¶wZmZr, {gÜX, hmo{‘Amon°Wr) J^©YmaUm CnMmamdarb IM© (‘¶m©Xm EH$m nm°{bgr dfm©g) {d‘mamer {dH$ën (a³H$‘ bmImV) 5 10 15 20 25 50 75 100 200 ‘mݶ IM© (a³H$‘ bmImV) 122 2 2 4 4 4 4 àgyVr IM© nm°{bgr aH$‘oÀ¶m 10% d¡¶{³VH$ d âbmoQ>a XmoÝhr àH$mamV ñdV: d nËZr ¶m§Zm gbJ XmoZ df} H$ìha {‘iob. J^m©e¶mÀ¶m {nedrMr gO©ar {d‘m aH$‘oEdT>m. à{Vjm H$mbmdYr : 2 df} ZdOmV ~mbH$mdarb hm°pñnQ>b‘Yrb CnMmamMm IM© {d‘mamer {dH$ën (a³H$‘ bmImV) 5 10 15 20 25 50 75 100 200 ‘mݶ IM© (a³H$‘ bmImV) 222 2 2 4 4 4 4 46

sTAR hEALTH aSSURE iNSURANCE pOLICY ñQ>ma hoëW A°í¶wAa BÝewaÝg nm°{bgr Vrd« X‘m {dH$mamdarb {d‘m aH$‘oÀ¶m 10%, H$‘mb ê$. 5 bmI nyU© nm°{bgr ‘wXVrV. CnMmamMm IM© ghmZw^yVr àdmg IM© àg§Jr ê$. 10,000 n¶ªVÀ¶m EAa A°åãë¶wÝg IM© EH$ H$m¡Qw>§{~H$ gXñ¶mda (gh àdmgm{edm¶) H§$nZr H$aob. ñdXoe à˶mdV©Z nm°{bgrÀ¶m Hw$Qy>§~ gXñ¶m§‘ܶo g‘mdoe Agboë¶m gXñ¶m§Mm naXoer XwX£dr ‘¥Ë¶y Pmbm Va ednoQ>rgh ˶mÀ¶m ^maVmVrb {Zdmgmn¶ªVMm ê$. 15000/‐ n¶ªVMm à˶mdV©Z IM© Xo¶ Agob. à{VîR>rV godm nwadR>mXmam§H$Sy>Z {d‘m amerÀ¶m 1%, H$‘mb : ê$. 5 bmI nyU© nm°{bgr H$mbmdYrV EH$XmM. KoVboë¶m {Q´>Q>‘|Q>Mm IM© gm‘mB©H$ {Zdmg : 24 Vmgm§nojm A{YH$ H$mimgmR>r hm°pñnQ>bÀ¶m gm‘mB©H$ {ZdmgmV dmñVì¶ Ho$ë¶mg XaamoO ê$. 1000/‐ à‘mUo Imobr^mS>o Xo¶ Agob. Xwgam d¡ÚH$s¶ gëbm {d‘oXma H§$nZrÀ¶m ZoQ>dH©$‘Yrb Vk S>m°³Q>am§Mm gëbm H§$nZrÀ¶m ‘ob Am¶S>rda gd© [anmoQ>©g² nmoñQ> H$ê$Z qH$dm nmoñQ>mZo / Hw$[aAaZo nmR>dyZ àmßV H$ê$ eH$Vmo. A°Q>mo‘°Q>rH$ [añQ>moaoeZ {d‘m amerMr CnMmamXaå¶mZ ‘¶m©Xm g§në¶mg {d‘m amerÀ¶m 100 % a³H$‘ [añQ>moaoeZ {H$Vrhr doim {‘iy eH$Vo. CXm. 10 bmImMr nm°{bgr Agob d 2 bmI A§eV: hm°pñnQ>b IM© Pmbm Agob Va nwÝhm {d‘m amer 10 bmI hmoVo. A{YH$ VnerbmgmR>r ‘yi B§J«Or n[anÌH$ nhm. AmYw{ZH$ CnMma {d‘m amer aH$‘on¶ªV Xo¶. doXZm§Mo nwZd©gZ g~{b{‘Q> BVH$s a³H$‘ qH$dm {d‘m amerÀ¶m 20% a³H$‘ ¶mn¡H$s Or H$‘r Agob Vr a³H$‘ Xo¶ Agob. (Rehabilitation & Pain Management) {ZdS>H$ dOmdmQ>r {d‘m a³H$‘ EHy$U dOmdQ>rMm n¶m©¶ gyQ> (¶m dOmdQ>r Xa nm°{bgr dfu 20 bmIm§n¶ªV EHy$U dOmdQ>rÀ¶m à‘mUmV bmJy ê$. 50,000 45% AgVrb.) 20 bmIm§nojm OmñV ê$. 1,00,000 55% ê$. 50,000 35% ê$. 1,00,000 50% à{Vjm H$mbmdYr AnKmVmì¶{V[a³V 30 {Xdg {d{eîQ> AmOmamgmR>r 2 df} nyduÀ¶m AmOmam§gmR>r 1 df© nm°{bgr H$mbmdYrgmR>r - 4 df} & 2 d 3 df© nm°{bgr H$mbmdYrgmR>r - 3 df© àgyVrgmR>r 2 df} J^m©e¶ {nedrÀ¶m gO©argmR>r 2 df} J^©YmaUm {Q´>Q>‘|Q>gmR>r 2 df} ZdOmV ~mbH$mgmR>r 1 df© gyMZm : AMyH$ AWm©gmR>r H§$nZrÀ¶m B§J«Or n[anÌH$mMmM AmYma ¿¶mdm. 47

T>mo~i‘mZmZo {‘iUmao bm^ ({Z¶‘mZwgma d {Xboë¶m {à{‘¶‘À¶m à‘mUmV) & Imobr ^mS>o & hoëW MoH$An & Ad¶d à˶mamonU & EAa A°åã¶wbÝg & Q´>rQ>‘|Q> BZ àr’$S>© ZoQ>dH©$ hm°pñnQ>b & XþMmH$sMm AnKmV Pmë¶mg A{V[a³V {d‘m a³H$‘ & S>o Ho$Aa {Q´>Q>‘|Q> & A°Q>mo [añQ>moaoeZ & Am¶wf Q´>rQ>‘|Q> ({Z¶‘mZwgma) & àr A°ÊS> nmoñQ> & hm°pñnQ>bm¶PoeZ & ZdOmV {eewMm g‘mdoe ({Z¶‘mZwgma) & S>obr H°$e ~oZo{’$Q> & goH§$S> ‘oS>rH$b Amonr{Z¶Z T>mo~i‘mZmZo Imbrb àg§Jr (³bo‘) Xmdm ZmH$mabm OmVmo. nm°{bgr {XZm§H$mnmgyZ 30 {XdgmÀ¶m AmV Ambobm Šbo‘ (AnKmVmì¶{V[a³V) nm°{bgr {XZm§H$mnmgyZ XmoZ dfm©À¶m AmV ‘moVrq~Xÿ, J^m©e¶mMo AmOma, JwS>KmamonU, gm§YoamonU, ‘UŠ¶mMr MH$Vr gaH$Uo (AndmX-AnKmV), Y‘UrMo AmOma, Aëga, nwéf J«§WtMr dmT>, h{Z©¶m, hm¶S´>mogrb B. Šbo‘ Amë¶mg. Šbo‘gmR>r Amdí¶H$ H$mJXnÌo - \"ñQ>ma hoëW BÝí¶waÝg' Mm Amamo½¶ {d‘m Šbo‘ Xmdm XmIb H$aʶmgmR>r Amdí¶H$ H$mJXnÌo Imbrbà‘mUo - ‘hÎdmMo : Imbrb 1 Vo 10 Z§~aMo H$mJXnÌo hm°ñnrQ>b, ‘oS>rH$b d b°~‘YyZ AmnUmg ‘m{JVë¶mda {‘iVrb. 1) AmnUmg H$§ nZrZo {Xbbo m \"Šb‘o ’$m‘'© g~§ Y§ rV 8) b~° [anmQo >© d ˶mM§ o {~b b~° Mo ghr, {e¸$mghrV hmp° ñnQ>bÀ¶m S>mŠ° Q>amH§ $S>yZ ì¶dpñWV[a˶m ghr d AgUo Amdí¶H$ Amh.o {e³H$m ghrV ^ê$Z AmUU.o 9) S>mŠ° Q>amÀ§ ¶m gmJ§ ʶmZgw ma H$o bëo ¶m {d{dY 2) {S>ñMmO© H$mS>d© a ghr d {e³H$m AgUo Amdí¶H$ àH$maÀ¶m Vnmgʶm d ˶mM§ o {~b d [anmQo >© ghr Amh.o {e¸$mghrV AgUo Amdí¶H$ Amh.o 3) gd© Am¶nrS>r nno a ghr d {e³H$mg{hV AgUo 10) hmp° ñnQ>b a{OñQ>´eo Z H$mn° r Amdí¶H$ AgV,o Amdí¶H$ Amh.o ‘mJdZw KUo .o (Šb‘o H$° ebgo Zgë¶mg) 4) hmp° ñnQ>bMo {~b ghr, {e³H$mg{hV AgUo 11) Amam½o ¶ {d‘m nmb° rgr d H$mS>M© r gn§ Uy © Pao mŠ° g Amdí¶H$ Amh.o àV OmSo >Uo Amdí¶H$ Amh.o 5) hmp° ñnQ>b‘ܶo ^abëo ¶m {~bmMr nmdVr (hmp° ñnQ>b 12) \"EZBE© ’$Q>r' ng¡ o Im˶mV dJ© hmÊo ¶mgmR>r Amnë¶m [agrßQ>) ghr, {e¸$mghrV AgUo Amdí¶H$ Amh.o ~H± $ Im˶mMm H$° Ýgb YZmXeo qH$§ dm ñnîQ> nmg~Hw $ Pao m³° g OmSo >Uo Amdí¶H$ Amho d ˶mda 6) ‘So >rH$bMo {àñH$« sneZ ghr {e¸$m ghrV AgUo ñdV:Mr ghr H$aU.o Amdí¶H$ Amh.o 13) \"H$o dm¶gr' Amnbo d neo Q§ >Mo AmYmaH$mS>© d nZ° H$mS>© 7) ‘{o S>H$bMo gd© {~b ‘{o S>H$bÀ¶m ghr, {e¸$mg{hV gm~o V OmSo >Zy ˶mda ñdV… Mr ghr H$aUo AgUo Amdí¶H$ Amh.o Amdí¶H$ Amh.o ‘hËdmMo : darbà‘mUo H$mJXnÌo {‘imë¶mda EH$ gQo > Pao mŠ° g H$mT>yZ d ‘iw H$mJXnÌm~am~o a H$§ nZrH$S>o O‘m H$aUo Amdí¶H$ Amh.o 48