### LIC's Health Protection Plus (HCB/MSB)....

### LIC's Health Protection Plus (HCB/MSB)....

Specimen charges for Rs. 100/- per day for HCB and Rs. 1000/- SA for MSB for standard lives are given as under:

Age --------- HCB ---------- MSB
5 ---- 24.43 - 20.43 ---- 0 - 0
15 ----- 20.71 - 20.71---- 0 - 0
25 ----- 31.39 - 24.34 ---- 1.02 - 1.38
35 ---- 33.59 - 29.96 ---- 1.58 - 1.75
45 ----- 49.29 - 53.20 ---- 3.54 - 2.64
55 ------ 76.08 - 72.53 ---- 7.28 - 5.16

*Health Insurance Charge:

Policy Administration Charges Rs.75 per month during the first year and Rs. 25 per month during the subsequent years.
Fund Management Charges Levied @ 1.25% per annum of the unit fund, at the time of computation of NAV which will be done on daily basis.

Bid/ Offer Spread- Nil

Service Tax Charge A service tax charge shall be levied on the following charges:
i)Policy Administration charge and Health Insurance charges - by canceling appropriate number of units out of the Policyholder’s Fund Value on a monthly basis as and when the corresponding Policy Administration and Health Insurance charges are deducted.
ii)Premium allocation charge - at the time of allocation of premium.
iii)Fund Management charge– at the time of computation of NAV on daily basis.

The level of this charge will be as per the rate of service tax as applicable from time to time. Currently, the rate of service tax is 10% with an educational cess at the rate of 3% thereon and hence effective rate is 10.30%.





** Right to revise charges-The Corporation reserves the right to revise all or any of the above charges except the Premium Allocation charge. The modification in charges will be done with prospective effect with the prior approval of IRDA.

Although the charges are reviewable, they will be subject to the following maximum limit:
Policy Administration Charge-Rs. 150/- per month during the first policy year and Rs.50/- per month thereafter, throughout the term of the policy.
Fund Management Charge-The Maximum for Fund will be 2.5% p.a. of Unit Fund
Hospital Cash Cover charges and Major Surgical Benefit charges shall not exceed by more than 200% of the current rate.

Disclaimer : For more details on risk factors , terms and conditions please read sales brochure carefully before concluding a sale .