Vitality Booklet - WIP

A Comprehensive Wellness Program

Roadmap Making 3 Tata Vitality a part of life TATA Vitality Making Knowing & Tata Vitality a Philosophy part of life 1 2

What’s There to Explore Knowing Tata AIA Vitality 4 Tata AIA Vitality Philosophy 5-11

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

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 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 Tax Savings on rider premium

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