Vitality Booklet - WIP 2

A Comprehensive Wellness Program

Roadmap The 4 Wellness Surveys Pitching 3 Tata AIA Vitality TATA Vitality Making Knowing & Tata Vitality a Philosophy part of life 1 2

What’s There to Explore Knowing Tata AIA Vitality 4 5-11 Tata AIA Vitality Philosophy 12-13 14-21 Tata AIA Vitality App 22-33 Making Tata AIA Vitality a part of your life 34-35 ▪ Tata AIA Vitality with Individual Riders 36-43 ▪ Tata AIA Vitality with Riders Packages ▪ SRS Vitality Protect ▪ InstaProtect with Tata AIA Vitality ▪ Param Rakshakaran with Tata AIA Vitality Pitching Tata AIA Vitality ▪ Tata AIA Vitality Riders ▪ FG Plus with Elite rider package ▪ SVIP with Elite rider package ▪ SVIP with individual Tata AIA Vitality riders ▪ SRS Vitality Protect – Premium discount ▪ SRS Vitality Protect – Cover Booster ▪ InstaProtect ▪ GRIP with Premium rider package ▪ Param Rakshak Plus ▪ Param Rakshak II Medix and Practo Annexures ▪ Tata AIA Vitality Health & Wellness surveys

Tata AIA Vitality inspires a healthier lifestyle through a rewarding wellness program KNOWING VITALITY Behavioural wellness solution aimed at improving consumer’s health through access to tools & knowledge sharing Vitality Benefits caters across areas of physical activity, nutrition, prevention, and mental wellbeing Consumers making better health choices are rewarded thereby resulting in improved Physical and Mental health Scientifically proven that members who actively engage in the program live longer and have lower healthcare costs

TATA AIA VITALITY PHILOSOPHY Be Healthier, Happier, Everyday! Meet your Health & Wellness Goals Earn attractive Reward Points on your achievement KNOW IMPROVE YOUR HEALTH YOUR HEALTH Online Assessment of Your Achieve Weekly Targets Vital Stats GET REWARDED Earn Rewards For Being Healthy

TATA AIA VITALITY KNOW YOUR HEALTH 360 degree health assessments to understand one’s health status and associated risks as a result of lifestyle choices on health focusing on: ✓ Physical health ✓ Mental health ✓ Sleep quality ✓ Resilience ✓ Nutrition A physical health check-up at the convenience of your home Earn vitality points which help you upgrade your status and eventually help you in getting higher discounts and Sum Insured Boosters

Online Assessments Annual Health Check TATA AIA VITALITY • Health Review • BMI KNOW YOUR • HbA1c HEALTH • Mental well being • Blood Pressure • Cholesterol • Nutrition Assessment • Smoker/ Non-smoker declaration Online Assessments on Tata AIA Vitality App Maximum Annual Points Vitality Health Review 1,000 Know your Vitality age Vitality Nutrition Assessment 1,000 Assess your eating habits Non-Smoker Declaration 1,000 Commit to a healthy behavior Vitality Sleep Quality Survey 300 Evaluate your mental health Vitality Mental Health Survey 300 Evaluate your mental health Vitality Resilience Survey 300 Evaluate your mental health Earn Upto 3,900 Points Annually Tata AIA Vitality Annual Health Check Maximum Annual Points Undergoing the Tests 6,000 Being in the healthy range 6,000 Earn Upto 12,000 Points Annually

TATA AIA VITALITY IMPROVE YOUR HEALTH Facilitates access to tools to increase physical activity by lowering financial & accessibility barriers to making healthy choices Discounts & Point Earning Avenues Weekly Challenges Physical Activity targets that can be tracked via Wearables / mobile app

Supported Tracking Mechanism TATA AIA VITALITY Wearables Mobile Applications IMPROVE YOUR •Garmin •Apple Health •Fitbit •Samsung Health HEALTH •Suunto •Google Fit health •Withings •Polar •iHealth Improve Your Health through Physical Activities & Daily Challenges or Daily Points Steps Heart Rate 50 7,500 - 30 minutes of physical 9,999 activity at >=60% of age- related maximum heart rate* 100 10000+ 30 minutes of physical activity at >=70% of age-related maximum heart rate* OR 60 minutes of physical activity at >=60% related maximum heart rate* *Age-related maximum heart rate = 220 – Current Age Earn Max. 15,000 Points Annually



Get Rewards for a healthy lifestyle with enrolment in the Wellness Program PREMIUM DISCOUNT COVER BOOSTER During Premium Payment Term Post Premium Payment Term ✓ Upfront Discount of 10% on TB, CCP ✓ Increase in Sum Assured of TB, CCP & HC rider and 5% on AD & ATPD & HC riders upto max. 30% during rider first year premium the Policy Term ✓ Renewal Premium discount of upto ✓ Increase in Sum Assured of AD & 30% max. on TB, CCP & HC riders ATPD riders upto max. 15% during and upto 15% max. on AD & ATPD the Policy Term riders Tata AIA Vitality Reward Structure Vitality Status Vitality Points *Premium Flex ¹ADB & ATPD ²TB, CCP & HC Upfront Discount 5% 10% PLATINUM 25,000 & above +1% +2% Renewal Discount GOLD 20,000-24,999 +0.50% +1% Calculation SILVER -1.25% -2.50% BRONZE _ -2.50% -5% 10,000-19,999 0-9,999 Maximum Discount 15% 30% *Premium Discount Flex: Renewal Discount based on Wellness Status of Platinum, Gold, Silver, Bronze ¹Benefit Category 1 Riders: AD – Accidental Death, ATPD – Accidental Total & Permanent Disability Note: Points are reset at Policy Anniversary ²Benefit Category 2 Riders: TB – Term Booster, CCP – CritiCare Plus, HC – HospiCare

TATA AIA VITALITY APP Start Your Journey To a Healthy Life

Welcome to the World of Health & Wellness H o w To Register? Click to Download 3 12 Download the TATA AIA Vitality Click On Register Fill in all the details as app from Playstore / Appstore seen in snapshot below for successful registration A A Enter the email ID that was used B while purchasing the linked insurance policy YYYY/MM/DD C D B Read Password instructions and create your own password - For Example - Vitality1234 C Enter your Date of Birth in YYYY/MM/DD format D Enter insurer code recieved in the welcome email and SMS fromTata AIA Life Insurance ([email protected]) E Click on Register

Making TATA AIA VITALITY A Part of Your Life Meet your Goals Protection Investment Health & Wellness

Get Membership at No Extra Cost with TATA AIA VITALITY RIDERS Comprehensive Protection with Rewarding Health & Wellness Benefits

CritiCare Plus Term Booster Accidental Accidental Total & Death Permanent Disability Membership HospiCare with Individual Riders Available With

Membership PREMIUM PACKAGE with Accidental Death (AD) Rider Packages Accidental Total & Permanent Disability Benefit (ATPD) CritiCare Plus (CCP) Teleconsultation Services ELITE PACKAGE Accidental Death (AD) Accidental Total & Permanent Disability Benefit (ATPD) CritiCare Plus (CCP) HospiCare (HC) Teleconsultation Services Available With

A Unique in Industry Term Plan with A Rewarding Wellness Proposition Protection Benefits Wellness Benefits Coverage against: ✓ Health Progress ✓ Death Tracking ✓ Terminal Illness ✓ Premium Discount on healthy behaviour ✓ Annual Health Check SAMPOORNA RAKSHA SUPREME VITALITY PROTECT OPTIONS SRS Life Option SRS Life Plus Option Term Booster Term Booster (Vitality Protect Rider) (Vitality Protect Rider) Sum Assured will be split in SRS base plan and Term Booster rider in the ratio 50:50 Premium of SRS base plan and Rider will be same 10% Upfront discount on first year Term Booster rider premium During PPT – Wellness Rewards will be offered as Renewal premium discount on the Term Booster rider premium on the basis of Tata AIA Vitality wellness status After PPT - Wellness Rewards will be offered as Cover Booster on the Term Booster rider Sum Assured on the basis of Tata AIA Vitality wellness status

Express cover for Health & Life with COMPREHENSIVE PROTECTION Improved Health Hospitalization Cancer Cardiac + Comprehensive Wellness ailments Program Membership Premium Discount Critical Accidental Accidental Death Benefits illness Disability Death Annual Health Check Accept/Reject process Many Benefits in One Return of Premiums with No Medicals Package (optional) Tax benefits (80C Medical Tele & 80 D) Consultation services

with UIN110A048V01 UIN110A047V01 Life Insurance Cover Life Insurance Cover Life Insurance Cover Accidental Death (AD) Accidental Death (AD) Term Booster (TB) Rider Rider Rider Accidental Total & Accidental Death (AD) Permanent Disability Accidental Total & Rider (ATPD) Rider Permanent Disability Accidental Total & (ATPD) Rider Permanent Disability CritiCare Plus (CCP) Rider (ATPD) Rider Market Linked Returns HospiCare (HC) Rider Market Linked Returns Market Linked Returns

Health & Wellness Tata AIA Life Insurance Solution allows to: Smart Sampoorna Raksha ✓ Track and improve physical & mental UIN110L156V02 health Vitality Protect Plus Riders ✓ Avail upfront discount on first year rider premium UIN110A048V01 ✓ Earn reward points on staying premium Vitality Health Plus Rider and get renewal premium discount UIN110A047V01 ✓ Access to doctors for Personal Medical Case Management and Tele Pay less rider premium with Consultation services wellness status based premium discount Protection Solution includes: Increase rider Sum Assured without paying extra premium ✓ Life Cover ✓ Accidental Death and Permanent post PPT based on wellness status Disability Cover ✓ Critical Illnesses cover Refund of 2X Premium ✓ Reimbursement of Hospitalization Allocation Charges at the end of 10th, 11th,12th & 13th policy years Expenses Monthly Refund of 2X Mortality Create Wealth with: Charges from 11th policy year ✓ Tata AIA benchmark breaking funds managed by experienced fund managers ✓ A choice of 11 funds according to risk appetite – Equity, Debt, Hybrid ✓ 4 star / 5 star rated funds by Morning star

PITCHING A PERFECT NEED BASED SOLUTION

360 degree protection against life’s different uncertainties under one umbrella proposition Investment, Protection and Health & Wellness goals met by purchasing single policy with Tata AIA Vitality riders Upto 10% upfront discount on first year rider premium Upto 30% renewal discount on rider premium during the PPT base on wellness status Annual Health check throughout the policy term at no extra cost Increase in rider Sum Assured post PPT at no extra premium based on wellness status Overall less protection cost through premium discount and increased Sum Assured based on wellness status Tracking mental and physical health through online assessments Access to various articles and writeups on improving and maintaining good health Reduce medical costs by staying fit through step by step guidance in Tata AIA Vitality app

TATA AIA VITALITY RIDERS REWARD GOOD HEALTH Get Premium discount during PPT Get Sum Assured increased post PPT at No cost Premium reduces during PPT on receiving wellness discount AD Rider Age: 35, SA: 10 L, PT: 15 HC Rider Age: 35, SA: 10 L, PT: 15 and PPT: 15 and PPT: 15 3,400 440 3,200 420 3,000 400 2,800 380 2,600 360 2,400 340 2,200 320 2,000 300 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Premium HCB Rider Premium ADB Rider Sum Assured increases post PPT on receiving wellness discount AD Rider Age: 35, SA: 10 L, PT: 15 HC Rider Age: 35, SA: 10 L, PT: 15 and PPT: 10 and PPT: 10 1,400,000 700 1,400,000 4,600 1,300,000 650 1,300,000 4,400 1,200,000 600 1,200,000 4,200 1,100,000 550 4,000 1,000,000 500 1,100,000 3,800 900,000 1,000,000 3,600 900,000 3,400 3,200 800,000 450 800,000 3,000 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 SA Premium SA Premium *Vitality rewards are given assuming customer maintaining Platinum status till end of policy term. Stay Active Stay Healthy (ex. 10000 steps everyday) (ex. Health screening) Healthy Behaviour Gets Rewarded Premium Discount ^Cover Booster (During PPT) (Post PPT)

FG PLUS WITH ELITE RIDER PACKAGE Get Guaranteed & tax-free long term income and 4 times Higher Sum Assured by paying same premium Pay 2 Lakh p.a. for 12 Years FG Plus without ₹ 24,00,000 Rider package Total Protection Sum Assured FG Plus with ELITE 4X₹ 98,14,032 Rider package Total Protection Sum Assured FG Plus Base Package FG Plus with Elite Rider Package Benefits Covers Protection Sum Annual Protection Sum Annual Assured Premium Assured Premium Basic Sum Death 24,00,000 2,00,000 22,71,344 1,89,272 Assured AD Accidental death X- 22,71,344 1,090 ATPD CCP Permanent & Total disability X- 22,71,344 659 due to accident X - 20,00,000 5,240 40 Critical Illnesses X - 10,00,000 3,740 HC Hospitalization expenses 24 Lakh 98.14 Lakh Total Protection Sum Assured FG Plus with Elite Rider Package Protection Benefits Investment Benefits Vitality Discount Higher Protection Sum Assured Benefits 98.14 Lakh 1.02 Crore Guaranteed & Tax-free benefits 24,636 Premium Discount on Package Riders ¹Total Protection SA Income for 30 years + for 13 Years Return of Premium ²Total Discount received Customer 1,99,016 1,98,621 1,98,227 1,97,833 1,97,439 1,97,045 2.66 Lakh p.a. maintaining PLATINUM 1st Premium 3rd Premium 5th Premium 7th Premium 9th Premium 11th Premium Income Starts Wellness for 30 years Status throughout Y 1 2 3 4 5 6 7 8 9 10 11 12 13 the PPT 35 1,98,818 1,98,424 198,030 1,97,636 1,97,242 1,97,045 47 2nd Premium 4th Premium 6th Premium 8th Premium 10th Premium 12th Premium All Premiums are discounted premiums according to Tata AIA Vitality wellness benefits Male 35 Y | Non-Smoker | PPT 12 Y | PT 13 Y | Income Term 30 Y Base Plan – Fortune Guarantee Plus – Regular Income option. All premiums are excluding taxes for standard life. All Riders are Non-ROP option. Total Guaranteed Returns includes FG Plus Total Income and Return of Premium. ¹Coverage is according to the terms and conditions mentioned in the product and rider brochures. ²Discount includes first year upfront rider premium discount and wellness status based discount assuming customer maintains Platinum status throughout the Premium Payment Term. ‘AD – Accidental Death, ‘ATPD – Accidental Total & Permanent Disability, ‘CCP – CritiCare Plus, ‘HC – HospiCare.

SVIP WITH ELITE RIDER PACKAGE Stay healthy and Get same income on reducing premium every year Customer maintaining Platinum wellness status throughout the PPT 1,49,399 yearly cash bonus @8% starts from 2nd year onwards paid till the end of policy term 87,26,324 Premium reducing every year Maturity Benefit @8% 4,95,441* 4,93,617 4,91,792 4,89,968 73 1st Yr premium 3rd Yr Premium 5th Yr Premium 7th Yr Premium after upfront 41 discount Age 34 4,94,529 4,92,705 4,90,880 4,89,056 Cash Bonus @4%: 71,822 p.a. Maturity Benefit @ 4%: 55,75,152 2nd Yr Premium 4th Yr Premium 6th Yr Premium 8th Yr Premium Male 34 Y | PPT 8 Y | PT 40 Y | Cash Bonus option Smart Value Income Plan with Elite Rider Package: Cash Bonus option Annual PPT Premium without Premium with Annual cash bonus irrespective Premium Year Platinum wellness status Platinum wellness status of wellness status 5,00,001 1 4,95,441 4,95,441 1,49,399 5,00,001 2 4,97,721 4,94,529 1,49,399 5,00,001 3 5,00,001 4,93,617 1,49,399 5,00,001 4 5,00,001 4,92,705 1,49,399 5,00,001 5 5,00,001 4,91,792 1,49,399 5,00,001 6 5,00,001 4,90,880 1,49,399 5,00,001 7 5,00,001 4,89,968 1,49,399 5,00,001 8 5,00,001 4,89,056 1,49,399 All Premiums are excl. taxes Get motivated to stay Healthy & Earn Rewards SVIP ELITE Benefits Received Protection Benefits Covers Sum Assured ✓ Protection against death, disease, Basic Sum Assured Death 54,31,499 54,31,499 Accidental death & permanent Accidental Death (AD) Rider Accidental death 54,31,499 disability, hospitalization expenses Accidental Total & Permanent Permanent & Total ✓ Savings on rider premium Disability (ATPD) Rider disability due to accident 20,00,000 40 Critical Illnesses 10,00,000 ✓ Annual health check at no extra cost CritiCare Plus (CCP) Ridet Hospitalization expenses 1,92,94,497 ✓ Regular Income starting from 2nd year HospiCare (HC) Rider ✓ Lump sum maturity benefit Total Sum Assured Base Plan – Smart Value Income Plan (Cash Bonus option. All Riders are Non-ROP option. Protection. Coverage is according to the terms and conditions mentioned in the product and rider brochures. Discount includes first year upfront rider premium discount and wellness status based discount assuming customer maintains Platinum status throughout the Premium Payment Term. ‘AD – Accidental Death, ‘ATPD – Accidental Total & Permanent Disability, ‘CCP – CritiCare Plus, ‘HC – HospiCare.. Annual Premium (without wellness discount): Base Premium – 4,48,885, AD – 6,898, ATPD – 4,128, CCP – 28,760, HC – 11,330. ). All premiums are excluding taxes for standard life.

SVIP WITH INDIVIDUAL TATA AIA VITALITY RIDERS Aim for Higher return with higher Policy Term Pay Discounted Premium for enhanced Protection To Maximize your To earn tax-free To stay healthy and returns income even after minimize the protection cost retirement 1,80,000 yearly cash bonus @8% starts from 2nd year onwards paid 10 Lakh p.a. till the end of policy term Base Premium remains same IRR 5.44% IRR 5.64% IRR 5.84% IRR 6.00% IRR 6.16% throughout the PPT PT 20 PT 25 PT 30 PT 35 PT 40 Maturity Maturity Maturity Maturity Maturity 1…………..2…………..3……....…..4……………5……………..…...20……..…….….25……..………...30……..…….…..35……………..…40 29,223 28,574 27,924 27,275 26,625 14% 1,39,621 ROP HC rider premium returned (10% disc.) (12% disc.) (14% disc.) (16% disc.) (18% disc.) Savings on rider on rider event not happening premium 1,96,10,000 Rider Premium reduces every year on customer maintaining Platinum wellness status throughout the PPT Maturity Benefit @8% Male, age 40 Y, Standard Life Smart VIP with HospiCare Rider (Tata Base Plan HospiCare Rider AIA Vitality Health) (Cash Bonus) (Return of Premium) PPT 5 Y 5Y 35 Y PT 40 Y 32,470 10,00,000 Annual Premium 10,00,000 22,729 (14%) Sum Assured 1,15,00,000 Total Savings on Premium - Pay only for 5 Years Get IRR Save 14% on Get Return of balance rider premium on 6.16% on Total rider premium cost survival at the end of 40 year rider policy term policy term Base Plan – Smart Value Income Plan (Cash Bonus option. Coverage is according to the terms and conditions mentioned in the product and rider brochures. Discount includes first year upfront rider premium discount and wellness status based discount assuming customer maintains Platinum status throughout the Premium Payment Term. All premiums and IRR are excluding taxes for standard life.

SRS VITALITY PROTECT – PREMIUM DISCOUNT Pay one premium LESS by maintaining Platinum wellness status throughout the PPT Plan Profile Age PPT PT Sum Assured Annual Wellness Reward Option Premium Premium Discount Male, Standard Life 30 Y 11 Y 40 Y 1 Crore Life Plus 33,300 Life Plus Platinum Wellness Status (+1%) Policy Year Annual Premium Discount p.a. 33,300 1 31635 5% 2 31302 6% 3 30969 7% 4 30636 8% 5 30303 9% 6 29970 10% 7 29637 11% 8 29304 12% 9 28971 13% 10 28638 14% 11 28305 15% TotalTotal Disco3u,2n9t,670 = 110% (₹ 36,630) Customer maintains Total Discount 110Platinum wellness status % received in 11 years How the Benefits get Paid? On Death On Terminal On Survival Nominee gets Illness LA gets 1 Crore LA gets ~75 Lacs *Return of Premium Death Benefit 25On LS’s Nominee death, ~ gets the Lacs remaining Base Plan: Sampoorna Raksha Supreme (Life Plus option). Premium is excluding taxes. ^Term Booster (TB) is Term Rider attached with base plan. Sum Assured offered in base SRS and Term Booster is equal (Base plan 50 L & Term Booster rider 50 L).. Both base and Term Booster offer death benefit from day 1 of the policy issue. ~Terminal Illness Benefit: 50% of base plan SA (Payor Accelerator benefit + 100% TB rider SA). *Return of (ROP) option – An amount equal to the 105% of Total Base Premiums Paid (excluding loading for modal premiums) and 100% of Term Booster Premiums (excluding loading for modal premiums) paid towards the respective Benefit Option, less any claim amount already paid out under the respective benefit option and any premium discounts availed under the wellness program as premium discounts or premium cashback, shall be payable at the end of the policy term on survival, provided the policy is not terminated. Maximum wellness benefit throughout the policy term (during and post PPT) will be 30% p.a on the Term Booster (TB) rider premium. This includes the upfront 10% discount on the first year TB rider premium. In SRS Vitality Protect, the premium and SA are split in 50:50 ratio between SRS and Term Booster. Hence, the above mentioned upfront discount of 10% on first year rider premium can also be pitched as 5% on total premium (SRS + TB) and max. benefit of 30% p.a. on term booster can also be pitched as max. benefit of 15% p.a. (i.e. 50% of 30% p.a.) on overall SRS Vitality Protect.

SRS VITALITY PROTECT – COVER BOOSTER Stay healthy and get your Sum Assured INCREASED post PPT at NO PREMIUM payment Plan Option Profile Age PPT PT Sum Assured Wellness Reward Life Plus 40 Y 1 Crore Premium Discount Male, Standard Life 35 Y 6 Y Customer maintaining Platinum wellness status post PPT Assuming customer retains 10% discount at the end of PPT Sum Assured Increases at no extra premium 6 Y PPT 1.15 Cr 1.15 Cr Completed 1.14 Cr 15% 15% 1.12 Cr 1.13 Cr 14% (14+1%) (Max Return of Premium disc.) on Survival SA at the 1.11 Cr 13% (13+1%) 12% Age 75 end of PPT (12+1%) 40 1 Cr 11% (11+1%) 10% (10+1%) (Discount at the end of PPT) Policy Year 7 8 9 10 11 12 Maximum wellness benefit throughout the policy term (during and post PPT) will be 30% p.a on the Term Booster (TB) rider premium. In SRS Vitality Protect, the premium and SA are split in 50:50 ratio between SRS and Term Booster. Hence, the Platinum wellness status based modal loading of 2% on Term Booster rider premium can also be pitched as 1% on total premium (SRS + TB) and max. benefit of 30% p.a. on term booster Sum Assured can also be pitched as max. benefit of 15% p.a. (i.e. 50% of 30% p.a.) on overall SRS Vitality Protect Sum Assured as shown in the above example. Tata AIA Vitality program rewards healthy lifestyle via COVER BOOSTERS after completion of Premium Payment Term SA in 10th Year 1 Crore Discount in Assuming 10% 10th Year Wellness Status Platinum (+1%) Gold (+0.50%) Silver (-1.25%) Bronze (-2.5%) Post PPT Years Yearly Yearly Sum Yearly Yearly Sum Yearly Yearly Sum Yearly Yearly Sum Cover Booster Assured Cover Booster Assured Cover Booster Assured Cover Booster Assured 11 12 11% 1,11,00,000 10.50% 1,10,50,000 8.75% 1,08,75,000 7.50% 1,07,50,000 13 12% 1,12,00,000 11% 1,11,00,000 7.50% 1,07,50,000 5% 1,05,00,000 14 13% 1,13,00,000 1,11,50,000 6.25% 1,06,25,000 1,02,50,000 15 14% 1,14,00,000 11.50% 1,12,00,000 1,05,00,000 2.50% 1,00,00,000 16 15% 1,15,00,000 12% 1,12,50,000 5% 1,03,75,000 0% 1,00,00,000 17 15% 1,15,00,000 1,13,00,000 3.75% 1,02,50,000 0% 1,00,00,000 18 15% 1,15,00,000 12.50% 1,13,50,000 2.50% 1,01,25,000 0% 1,00,00,000 19 15% 1,15,00,000 13% 1,14,00,000 1.25% 1,00,00,000 0% 1,00,00,000 20 15% 1,15,00,000 1,14,50,000 1,00,00,000 0% 1,00,00,000 15% 1,15,00,000 13.50% 1,15,00,000 0% 1,00,00,000 0% 1,00,00,000 14% 0% 0% 0% 14.50% 15% All discounts shown in the examples are on total premium (base + rider). TB rider Sum Assured increases post PPT under the Cover Booster benefit based on Life Assured’s wellness status every year. Life Plus Option (Return of Premium) – An amount equal to the 105% of Total Base Premiums Paid (excluding loading for modal premiums) and 100% of Term Booster Premiums (excluding loading for modal premiums) paid towards the respective Benefit Option, less any claim amount already paid out under the respective benefit option and any premium discounts availed under the wellness program as premium discounts or premium cashback, shall be payable at the end of the policy term on survival, provided the policy is not terminated. ‘PT – Policy Term, ‘PPT – Premium Payment Term, ‘ROP – Return of Premium.

INSTAPROTECT NO COST HEALTH INSURANCE Cover your health and your life with InstaProtect ROP by paying reduced premium Get your Health & Life covered for 40 Years at NO Cost LIFE HEALTH Sampoorna CritiCare Plus Pay discounted premium for 12 Y Get 50 Lacs Sum Assured for 40 years Raksha HospiCare Supreme ATPD 30 Y 41 Y 69 Y ADB Sum Assured – 50 Lacs SRS – 15 L, CCP – 5 L, AD – 10 L, ATPD – 10 L, HC – 10 L Total Premium Paid *ROP on survival ₹ 390,725 ₹ 399,994 Total Cost of Protection = ZERO Age – 30 Y| PPT – 12 Y | PT – 40 Y Premium payment Discount Amount Actual premium to be paid Premium reducing Scenario every year 1,961 34,684 1st year 2,353 34,292 Customer maintaining 2nd year 2,745 33,900 Platinum wellness status 3rd year 3,137 33,508 4th year 3,529 33,116 throughout the PPT 5th year 3,921 32,724 6th year 4,313 32,332 7th year 4,705 31,940 8th year 5,098 31,547 9th year 5,490 31,155 10th year 5,882 30,763 11th year 5,882 30,763 12th year 49,015 3,90,725 Total . All premiums are excluding taxes for standard life. Coverage is according to the terms and conditions mentioned in the product and rider brochures. Discount includes first year upfront rider premium discount (10% on CCP & HC, 5% on AD & ATPD) and wellness status based discount assuming customer maintains Platinum status throughout the Premium Payment Term. ‘AD – Accidental Death, ‘ATPD – Accidental Total & Permanent Disability, ‘CCP – CritiCare Plus, ‘HC – HospiCare. *Return of Premium includes 105% of SRS premium + 100% of total rider premium paid (excluding loading for modal premiums towards the respective Benefit Option, less any claim amount already paid out under the respective benefit option and any premium discounts availed under the wellness program as premium discounts or premium cashback)

GRIP WITH PREMIUM RIDER PACKAGE Become a Guaranteed Crorepati Premium REDUCES every year Sum Assured INCREASES every year Plan Option Profile Age PPT PT Wellness Reward Wellness Reward Endowment Male, Standard Life (During PPT) (Post PPT) 40 Y 5 Y 15 Y Premium Discount Cover Booster Part A: Premium Discount Customer maintains Platinum wellness status throughout the PPT Pays less premium every year Annual Premium excluding taxes 9,96,504 PPT Base AD ATPD CCP 9,95,806 Year 9,95,106 1 953318 13938 8314 20934 9,94,406 2 953318 13792 8227 20469 9,93,707 3 953318 13645 8139 20004 4 953318 13498 8052 19538 5 953318 13352 7964 19073 1 2 3 45 PPT Year Part B: Cover Booster Customer maintains Platinum wellness status throughout the PT Sum Assured increases every year subject to the maximum discount limit Increasing Protection Sum Assured • AD & ATPD rider discount at the end of PPT 9% 6 • CCP discount at the end of PPT 5 18% 4.5 4.56 4.62 4.68 4.74 4.8 4.83 4.86 4.89 4.92 • Base SA increases throughout 4 4.05 4.08 4.11 4.14 4.17 the policy term due to Guaranteed Additions to SA on 3 3.07 3.1 3.13 3.16 3.19 3.22 3.22 3.22 3.22 3.22 every policy anniversary 2.77 2.77 2.77 2.77 2.77 • Rider SA increases post PPT on 2 the basis of Platinum wellness status maintained by the 1 1.28 1.31 1.34 1.37 1.4 1.43 1.46 1.49 1.52 1.55 1.58 1.61 1.64 1.67 1.7 customer 0 2345 6 7 8 9 10 11 12 13 14 15 Applicable discount rate every year 1 Base Sum Assured Rider PackageSum Assured Total Sum Assured = (Previous year discount rate + Loading) Base SA AD SA ATPD SA CCP SA Loading for AD & ATPD riders is 1% 12869775 12869775 12869775 2000000 Loading of CCP rider is +2%









ANNEXURES

Mental Health Survey Q1. Have you ever been diagnosed with a mental health condition (MHC), for example: depression, anxiety, panic disorders, bipolar disorder or Obsessive Compulsive Disorder (OCD)? (B) No (A) Yes Q2. Over the last two weeks, how often have you experienced this issue? Little interest or pleasure in doing things (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q3. Over the last two weeks, how often have you experienced this issue? Feeling down, depressed, or hopeless (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q4. Over the last two weeks, how often have you experienced this issue? Trouble falling or staying asleep, or sleeping too much (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q5. Over the last two weeks, how often have you experienced this issue? Feeling tired or having little energy (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q6. Over the last two weeks, how often have you experienced this issue? Poor appetite or overeating (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q7. Over the last two weeks, how often have you experienced this issue? Feeling bad about yourself – or that you are a failure or have let yourself or your family down (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q8. Over the last two weeks, how often have you experienced this issue? Trouble concentrating on things, such a reading the newspaper or watching television (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q9. Over the last two weeks, how often have you experienced this issue? Moving or speaking so slowly that other people could have noticed. Or the opposite – being so fidgety or restless that you have been moving around a lot more than usual (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q10. Over the last two weeks, how often have you experienced this issue? Thoughts that you would be better off dead, or of hurting yourself (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q11. Over the last two weeks, how often have you experienced this issue? Feeling nervous, anxious, or on edge (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q12. Over the last two weeks, how often have you experienced this issue? Not being able to stop or control anything (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q13. Over the last two weeks, how often have you experienced this issue? Worrying too much about different things (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q14. Over the last two weeks, how often have you experienced this issue? Trouble relaxing (B) Several days (C) More than half the days (D) Nearly every day (A) Not at all Q15. Over the last two weeks, how often have you experienced this issue? Being so restless that it is hard to sit still (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q16. Over the last two weeks, how often have you experienced this issue? Becoming easily annoyed or irritable (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day Q17. Over the last two weeks, how often have you experienced this issue? Feeling so afraid, as if something awful might happen (A) Not at all (B) Several days (C) More than half the days (D) Nearly every day

Resilience Survey Q1. Use the following scale to indicate how much you agree or disagree with each statement: I tend to bounce back quickly after hard times (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree (E) Strongly Agree (E) Strongly Agree Q2. Use the following scale to indicate how much you agree or disagree with each statement: (E) Strongly Agree (E) Strongly Agree I have a hard time making it through stressful events (E) Strongly Agree (E) Strongly Agree (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree Q3. Use the following scale to indicate how much you agree or disagree with each statement: It does not take me long to recover from a stressful event (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree Q4. Use the following scale to indicate how much you agree or disagree with each statement: It is hard for me to snap back when something bad happens (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree Q5. Use the following scale to indicate how much you agree or disagree with each statement: I usually come through difficult times with little trouble (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree Q6. Use the following scale to indicate how much you agree or disagree with each statement: I tend to take a long time to get over set-backs in my life (A) Strongly disagree (B) Disagree (C) Neutral (D) Agree Sleep Quality Survey Q1. In the past 7 days: (B) A little bit (C) Somewhat (D) Quite a bit (E) Very much My sleep was restless (B) A little bit (C) Somewhat (D) Quite a bit (E) Very much (B) A little bit (C) Somewhat (D) Quite a bit (E) Very much (A) Not at all (B) A little bit (C) Somewhat (D) Quite a bit (E) Very much Q2. In the past 7 days: (B) Rarely (C) Sometimes (D) Often (E) Always I was satisfied with my sleep (B) Rarely (C) Sometimes (D) Often (E) Always (B) Rarely (C) Sometimes (D) Often (E) Always (A) Not at all (B) Poor (C) Fair (D) Good (E) Very good Q3. In the past 7 days: My sleep was refreshing (A) Not at all Q4. In the past 7 days: I had difficulty falling asleep (A) Not at all Q5. In the past 7 days: I had trouble staying asleep (A) Never Q6. In the past 7 days: I had trouble sleeping (A) Never Q7. In the past 7 days: I got enough sleep (A) Never Q8. In the past 7 days: My sleep quality was (A) Very poort

Vitality Health Review (A) General Health Medical History Key Measurements Have you ever been diagnosed by a doctor or All measurements need to be completed before continuing with the Vitality Health prescribed medication for any of the following Review medical conditions? (Select all the conditions that apply) What is your Height? _____________________(m/cm/ft.in.) How much do you weigh? _____________________(kg) Do you know your waist measurement? Male Female Yes No Allergies Allergies Yes No Yes No What is your waist measurement? Arthritis Arthritis _____________________(cm) Yes No Yes No Asthma Asthma Do you know your exact blood pressure reading? Yes No Yes No Back Pain Back Pain Yes No Yes No Yes No Cancer Cancer Systolic (the higher number in your blood What was your last blood pressure reading? Yes No Yes No Chronic obstructive pulmonary Chronic obstructive pulmonary pressure reading) High disease disease Yes No Yes No _____________________(mmHg) Low Chronic pain Chronic pain Yes No Yes No Diastolic (the lower number in your blood Normal Depression Depression Yes No Yes No pressure reading) I don’t know Diabetes Diabetes Yes No Yes No _____________________(mmHg) Heart burn or acid reflux Heart burn or acid reflux Yes No Yes No Do you know your exact fasting glucose level? Heart disease Heart disease Yes No Yes No Yes No High blood pressure High blood pressure Yes No Yes No Fasting glucose level What is your fasting glucose level? High cholesterol High cholesterol Yes No Yes No _____________________(md/DL) High Migraine headaches Menopause Yes No Yes No Low Osteoporosis Migraine headaches Yes No Yes No Normal Sleep disorder Osteoporosis Yes No Yes No Don’t know Sleep disorder Stroke Yes No Do you know your exact total cholesterol level? Yes No Stroke Yes No Thyroid disease Yes No Yes No Cholesterol level What was last total cholesterol reading? Thyroid disease Others Yes No _____________________(md/DL) High Yes No Others Low Yes No Are you currently pregnant? Normal Yes No Don’t know High blood pressure Yes No High cholesterol Yes No Menopause Yes No Migraine headaches Yes No Osteoporosis Yes No Sleep disorder Yes No Stroke Yes No Thyroid disease Yes No Others Yes No Are you currently pregnant? Yes No

(B) Social Habits Smoking Do you use any tobacco products like cigarettes, cigars, pipes, chewing tobacco, or snuff? No, never used tobacco products No, but used to use tobacco products Yes, smoke or use tobacco products How many years has it been since you On an average, how many cigarettes stopped smoking cigarettes? did you smoke per day? Year__________________ ___________________Per day Month________________ How many years has it been since On an average, how many cigarettes you stopped smoking cigarettes? did you smoke per day? Year__________________ ___________________Per day Month________________ Do you use e-cigarettes? Yes No No Alcohol intake Yes On average, how many alcoholic drinks do you have per week? One drink is equivalent to: 1 can of beer 1 small glass of red or white wine 1 small glass of sherry 1 metric tot of spirits 1 small glass of liqueur _______________________Per week

(C) Lifestyle Habits Eating Habits How many servings of vegetables do you eat daily? One serving = 80 - 100g which is 1 cup of raw, chopped vegetable OR 2 cups of raw green leafy vegetables OR 1/2 - 3/4 cup of cooked vegetables - Green Leafy Veg : [spinach (palak), fenugreek leaves (methi), amaranth (math or chaulai), cabbage (bandhgobi), dill leaves (shepu), radish leaves (muli ka sag), mustard greens (sarso ka sag)] - Other Vegetables : [gourd vegetables (doodhi or lauki / karela / turai) , brinjal (baingan), Capsicum (shimla mirch), cauliflower (phoolgobi), drumstick (saijan), pumpkin (kolu or kaddu), green beans (fansi or papdi or guvar), raw jackfruit (kathal), ladies finger (bhindi), tomatoes] - Root Vegetables : [potato (aloo), beetroot (chukandar), carrots (gajar), radish (muli), onions (pyaaz)] ________________________________ Per day How many servings of fruits do you eat daily? One serving = 80 - 100g which is a portion the size of the palm of your hand 1 apple / banana / orange / pear / mango / sweetlime / custard apple (sitafal) / guave (peru or amrood) OR 2 chikoo / fresh figs (anjeer) / peach / plum (alubukhara) OR 1 cup papaya (papita) / watermelon (tarbuj) / muskmelon (kharbuja) / pineapple (ananas) OR 1/2 cup of pomegranate (anar) / grapes / jamun / cherries / karonda or karvanda / litchi / strawberries) ________________________________ Per day How many servings of rice / roti / idli / poori or high fibre, starchy foods do you eat a day? One serving = 2 small wheat phulkas 1 medium wheat paratha 1 medium ragi, jowar or bajra bhakri 1 medium makki roti or misi roti 3-4 wheat/maida pooris 3/4 cup cooked rice or khichdi or curd rice 3-4 medium idlis 2 thin dosas 1 cup upma /poha 2 slices of high fibre bread 2-3 high fibre / digestive biscuits ½ cup of high fibre cereal or porridge (e.g. bran flakes, oats) ½ cup of cooked brown rice, barley, jowar, ragi . bajra, daliya, quinoa, ½ cup of whole wheat pasta or whole wheat couscous ________________________________ Per day The meals you have are made using high fat cooking methods such a deep frying pan, stir frying with excessive oil • Never • Rarely • Occasionally • Usually • Frequently The salt added to your food while preparing and/or at the table adds up to the following over the course of the day: A pinch or less • Half a teaspoon • Level teaspoon • Heaped teaspoon • 1 Level dessert spoon • • 1 Heaped dessert spoon You eat lean meats (such as skinless chicken, turkey, fish and lean red meats) instead of higher fat meats (such as lamb chops, sausage, and steak with visible fat). • Never • Rarely • Occasionally • Usually • Frequently • Always • I do not eat meat or fish You eat or drink low-fat or skimmed dairy products instead of full-fat dairy products. • Never • Rarely • Occasionally • Usually • Frequently • Always • I do not eat or drink dairy products How many servings of the following do you eat? Biscuits / Cookies / Rusk Breads / Cakes / Pastry Packaged Fruit Juice / Packaged Soft Drinks / Packaged breakfast cereals (cornflakes / wheatflakes / ragiflakes / muesli / instant oats) / Papad / Chutney / Pickle / Ketchup Flavoured milk / milkshakes / flavoured yoghurt / lassi / kefir Instant noodle / Pasta / Energy bars / Protein bars / Frozen snacks (potato fries, smilies, nuggets, etc.) / Chips (potato, banana) / Flavoured popcorn / Nachos ________________________________ Per day How many sugar-containing beverages do you drink per day? Example: Tea with milk and added sugar, Coffee with milk and added sugar, Soft drinks (carbonated / aerated), Fruit Juices / Fruit drinks, Flavoured milk / Milkshake, Sweet Lassi (plain or flavoured) / Kefir, Flavoured soya milk, Energy drinks, Fruit beer / ale, Iced Tea, Instant drink mix (powder) (e.g. rasna or tang), Fruit squash with water. ________________________________ Per day How many cups of sugar-sweetened tea/coffee do you drink daily? ________________________________ Per day

(C) Lifestyle Habits Physical Activity How many days a week do you exercise? •0 •1 •2 •3 •4 •5 •6 •7 On the days that you exercise, on average How many minutes do you exercise? ________________________________Minutes How intense are your exercise sessions? • Low • Moderate • High The meals you have are made using high fat cooking methods such a deep frying pan, stir frying with excessive oil • Never • Rarely • Occasionally • Usually • Frequently The salt added to your food while preparing and/or at the table adds up to the following over the course of the day: A pinch or less • Half a teaspoon • Level teaspoon • Heaped teaspoon • 1 Level dessert spoon • • 1 Heaped dessert spoon You eat lean meats (such as skinless chicken, turkey, fish and lean red meats) instead of higher fat meats (such as lamb chops, sausage, and steak with visible fat). Your well-being During the last 30 days, how often did you feel tired for no reason? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel nervous? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel so nervous that nothing could calm you down? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel hopeless? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel restless or fidgety? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel so restless that you couldn’t sit still? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel depressed? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel that everything was an effort? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel so sad that nothing could cheer you up? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday During the last 30 days, how often did you feel worthless? (A) Never (B) Rarely (C) Occasionally (D) Regularly (E) Everyday Which statement best describes your perception of your stress? (A) I fee stress, but don’t feel the (B) I feel that I am coping fine with (C) I want to manage my stress need to do anything about my my current level of stress better and would appreciate stress levels assistance