### LIC’s Samridhi Plus.......

Guaranteed NAV: In this product there is a guarantee of the highest NAV recorded on a daily basis, in the first 100 months of the policy, subject to a minimum of ` 10. This means the payment at the end of the policy term will be based on highest NAV recorded over the first 100 months of the policy, or the NAV as applicable on the date of maturity, whichever is higher. The guarantee will be applicable only for units available in the policyholder’s fund at the end of the policy term. The period to be counted for guarantee of NAV shall be 100 months from the date of commencement of policy. A) Death Benefit: In case of death of the Life Assured within the policy term, when the cover is in full force, the nominee shall get higher of the Sum Assured under the Basic Plan and the Policyholder’s Fund Value. However, if partial withdrawal has been made during the last two years from the date of death, the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made. The Policyholder’s Fund on death shall be determined at the prevailing NAV as on the date of receipt of intimation of death. B) Maturity Benefit: On the policyholder surviving the date of maturity an amount equal to the Policyholder’s Fund Value is payable. The Policyholder’s Fund at the end of policy term shall be based on the highest Net Asset Value (NAV), over the first 100 months of the policy or the NAV as applicable on the date of maturity, whichever is higher. 2. Options: Accident Benefit Option: If you are between 18 and 60 years of age, you may opt for Accident Benefit equal to the amount of life cover subject to minimum of ` 25,000 and maximum of ` 50 lakh (taken all policies with LIC of India and other insurers.) In case of death due to an accident, an additional sum equal to Accident Benefit Sum Assured shall be payable. 3. Investment of Funds: The fund detail is as under: Fund Type Investment in Government / Government Guaranteed Securities / Corporate Debt Short-term investments such as money market instruments Investment in Listed Equity Shares Details and objective of the fund for risk / return Samridhi Plus Fund 0% to 100% 0% to 100% 0% to 100% Medium Risk In the period during which this product is open for sale, all premiums received shall be invested in Money Market instruments of applicable duration i.e. the period from the date of sale to the date of closure of the plan. After the date of closure of the plan the above investment pattern shall be followed. 4. Surrender: The surrender value, if any, is payable as under: If the policy is surrendered within 5 years from the date of commencement of the policy: If you apply for surrender of the policy within 5 years from the date of commencement of policy, then the Policyholder’s Fund Value after deducting the Discontinuance Charge, if any, shall be converted into monetary terms as per para 11 below. This monetary amount shall be credited to the Discontinued Policy Fund and no charges shall be deducted thereafter. The Proceeds of the Discontinued Policy, as per para 11 below, shall be payable on completion of 5 years from the date of commencement of policy. In case of death of life assured after the date of surrender but before the completion of 5 years from the date of commencement of policy the Proceeds of the Discontinued Policy shall be payable to the nominee/ legal heir immediately. If the policy is surrendered after 5 years from the date of commencement of the policy: If you apply for surrender of the policy after 5 years from the date of commencement of policy, then the Policyholder’s Fund Value, as at the date of surrender, shall be payable. There will be no Discontinuance Charge

### LIC’s Samridhi Plus.......

### LIC’s Samridhi Plus........ It is a unit linked plan that safeguards your investment from market fluctuations, so that your investments are protected in financially volatile times. This plan offers payment of Fund Value at the end of policy term, based on highest Net Asset Value (NAV) over the first 100 months of the policy, or the NAV as applicable on the date of maturity, whichever is higher. NAV of the fund will be subject to a minimum of ` 10/-. This plan is available for sale for a maximum period of 3 months from the date of launch. You can pay the premiums either in a single lump sum or for a limited premium paying term of 5 years. You can choose the level of cover within the limits, which will depend on your age, whether the policy is a Single premium or Limited premium contract and on the level of premium you agree to pay. Premiums paid after allocation charge will purchase units of the Fund. The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the NAV. Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (through ECS mode only) intervals over the premium paying term of 5 years. Alternatively, a single premium can be paid. A grace period of 30 days will be allowed for payment of yearly or half-yearly or quarterly premiums and 15 days for monthly (through ECS) premiums. Eligibility Conditions And Other Restrictions: (a) Minimum Age at entry - 8 (age last birthday) (b) Maximum Age at entry - 65 years (age nearer birthday) (c) Policy Term - 10 years (d) Minimum Premium - 5 years Premium Paying policies: Mode Minimum Instalment Premium Yearly: ` [15,000] Half-Yearly ` [8,000] Quarterly ` [4,000] Monthly (ECS only) ` [1,500] Single premium: Single ` [30,000] (e) Maximum Premium - 5 years Premium Paying Term - ` [1,00,000] p.a. Single premium - No Limit (f) Sum Assured under the Basic Plan - Minimum Sum Assured: 5 years Premium Paying Term policies: For age at entry below 45 years: 10 times the annualised premium For age at entry 45 years and above: 7 times the annualised premium Single Premium policies: For age at entry below 45 years: 1.25 times the single premium For age at entry 45 years and above: 1.10 times the single premium Maximum Sum assured: 5 years Premium Paying Term policies: For age at entry below 45 years: 20 times the annualized premium For age at entry 45 years and above: 10 times the annualized premium Single Premium Policies: 5 times the Single premium, if age at entry is upto 55 years. 1.25 times the Single premium, if age at entry is 56 to 65 years. Where the minimum Sum Assured is not in the multiples of ` 5,000, it will be rounded off to the next multiple of ` 5,000. Annualized Premiums shall be payable in multiple of ` 1,000 for other than ECS monthly. For monthly (ECS), the premium shall in multiples of ` 250/-. Method of Calculation of Unit price: Units will be allotted based on the Net Asset Value (NAV) of the respective fund as on the date of allotment. There is no Bid-Offer spread (the Bid price and Offer price of units will both be equal to the NAV). The NAV will be computed on daily basis and will be based on investment performance, Fund Management Charge, Guarantee Charge and whether fund is expanding or contracting under each fund type and shall be calculated as under: Appropriation price is applied (when fund is expanding): Market value of investment held by the fund plus the expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net of fund management charges including Guarantee Charge less the value of any current liabilities less provisions, if any divided by the number of units existing at the valuation date (before any new units are allocated). Expropriation price is applied (when fund is contracting): Market value of investment held by the fund less the expenses incurred in the sale of assets plus the value of any current assets plus any accrued income net of fund management charges including Guarantee Charge less the value of any current liabilities less provisions, if any divided by the number of units existing at the valuation date (before any units redeemed). Applicability of Net Asset Value (NAV): The premiums received up to a particular time (presently 3 p.m.) by the servicing branch of the Corporation through ECS or by way of a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the day on which premium is received shall be applicable. The premiums received after such time by the servicing branch of the corporation through ECS or by way of a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the next business day shall be applicable. Similarly, in respect of the valid applications received for surrender, partial withdrawal, death claim and in case of complete withdrawal etc up to such time by the servicing branch of the Corporation closing NAV of that day shall be applicable. For the valid applications received in respect of surrender, partial withdrawal, death claim and in case of complete withdrawal etc after such time by the servicing branch of the Corporation the closing NAV of the next business day shall be applicable In case of discontinuance, as specified in Para 10 below, wherein the policyholder does not exercise the option within the period of 30 days of receipt of notice then the NAV as on the date of expiry of notice period shall be applicable. In respect of maturity claim, the Policyholders fund value shall be based on the highest NAV over the first 100 months of the policy or the NAV as applicable on the date of maturity, whichever is higher. The timing (presently 3 p.m.) is as per the existing guidelines and changes in this regard shall be as per the instructions from IRDA. Charges under the Plan: A) Premium Allocation Charge: This is the percentage of the premium deducted towards charges from the premium received. The balance constitutes that part of the premium which is utilized to purchase (Investment) units for the policy. The allocation charges are as below: For Single premium policies: 3.3% For Regular premium policies: Premium Allocation Charge First Year 6.00% 2nd to 5th Year 4.50% B) Charges for Risk Covers: i) Mortality Charge – This is the cost of life insurance cover which is age specific and will be taken every month. The life insurance cover is the difference between Sum Assured under Basic plan and the Fund Value after deduction of all other charges. The charges per ` 1000/- life insurance cover for some of the ages in respect of healthy lives are as under: Age 25 35 45 55 ` 1.42 1.73 3.89 10.76 Accident Benefit charge - It is the cost of Accident Benefit rider (if opted for) and will be levied every month at the rate of ` 0.50 per thousand Accident Benefit Sum Assured per policy year. C) Other Charges: The following charges shall be deducted during the term of the policy: Policy Administration charge ` 30/- per month during the first policy year and ` 30/- per month escalating at 3% p.a. thereafter, throughout the term of the policy shall be levied. Fund Management Charge – It is a charge levied as a percentage of the value of assets and shall be appropriated by adjusting the Net Asset Value (NAV) at 0.90% p.a. of Fund Value. This is a charge levied at the time of computation of NAV, which will be done on daily basis. Guarantee Charge – A charge of 0.40% p.a. of the Fund Value shall be levied for the cost of investment guarantee. This is a charge levied at the time of computation of NAV, which will be done on daily basis. Bid/Offer Spread – Nil. Discontinuance Charge – The discontinuance charge for 5 years premium paying term policies is as under: Where the policy is discontinued during the policy year Discontinuance charges for the policies having annualized premium up to ` 25,000/- Discontinuance charges for the policies having annualized premium above ` 25,000/- 1 Lower of 10% * (AP or FV) subject to a maximum of ` 2500/- Lower of 6% * (AP or FV) subject to maximum of ` 6000/- 2 Lower of 7% * (AP or FV) subject to a maximum of ` 1750/- Lower of 4% * (AP or FV) subject to maximum of ` 5000/- 3 Lower of 5% * (AP or FV) subject to a maximum of ` 1250/- Lower of 3% * (AP or FV) subject to maximum of ` 4000/- 4 Lower of 3% * (AP or FV) subject to a maximum of ` 750/- Lower of 2% * (AP or FV) subject to maximum of ` 2000/- 5 and onwards NIL NIL AP – Annualised Premium FV – Policyholder’s Fund Value on the date of discontinuance There shall not be any discontinuance charge under Single Premium. Service Tax Charge – Service tax charge shall be levied on all or any of the charges applicable to this plan as per the prevailing service tax laws / notifications etc. as issued by Government of India from time to time in this regard without any reference to the policyholder. Miscellaneous Charge – This is a charge levied for an alteration within the contract, such as change in premium mode and grant of Accident Benefit after the issue of the policy. An alteration may be allowed subject to a charge of ` 50/-. D) Right to revise charges: The Corporation reserves the right to revise all or any of the above charges except the Premium Allocation charge, Mortality charge and Accident Benefit 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 ` 60/- per month during the first policy year and ` 60/- per month escalating at 3% p.a. thereafter, throughout the term of the policy Fund Management Charge: The Maximum for Fund will be 1.30% p.a. of Fund Value - Guarantee Charge shall not exceed 0.60% p.a. of the Fund Value. - Miscellaneous Charge shall not exceed ` 100/- each time when an alteration is requested. In case the policyholder does not agree with the revision of charges the policyholder shall have the option to withdraw the Policyholder’s Fund Value. Discontinuance of Premiums: If you fail to pay premiums under the policy within the days of grace, a notice shall be sent to you within a period of fifteen days from the date of expiry of grace period to exercise one of the following options within a period of thirty days of receipt of such notice: Revival of the policy, or Complete withdrawal from the policy During the notice period of 30 days, the policy shall be treated as in force and the charges for Mortality, Accident Benefit cover, if any, shall be taken in addition to other charges, by canceling an appropriate number of units out of the Policyholder’s Fund Value. The cover shall continue till the date of discontinuance of the policy (i.e. till the date on which the intimation is received from the policyholder for complete withdrawal of the policy or till the expiry of the notice period). If you do not exercise any option within the stipulated period of 30 days, you shall be deemed to have exercised the option of complete withdrawal from the policy. The benefits payable under the policy during the notice period shall be same as that under an in-force policy, except Partial Withdrawal, which shall not be allowed if all due premiums have not been paid. The benefits payable when you exercise the option for complete withdrawal or you do not exercise any option during the notice period shall be as under: If you exercise the option for complete withdrawal from the policy, or you do not exercise the option within the period of 30 days of receipt of notice, then the policy shall be compulsorily terminated. The Policyholder’s Fund Value as on the date of discontinuance of policy after deducting the Discontinuance Charge, if any, shall be converted into monetary terms as specified below and Proceeds of the discontinued policy as specified below shall be payable after completion of 5 years from the date of commencement of the policy. Method of calculation of Monetary amount and Proceeds of the Discontinued Policy: The conversion to monetary amount shall be as under: The NAV on the date of application for surrender or as on the date of discontinuance of the policy (in case of complete withdrawal of the policy), as the case may be, multiplied by the number of units in the Policyholder’s Fund Value as on that date will be the monetary amount. The Proceeds of the Discontinued Policy shall be calculated as under: The monetary amount calculated as above shall be transferred to the Discontinued Policy Fund. This Fund will earn a minimum interest rate of 3.5% compounded annually from the date of discontinuance of the policy to the date of completion of 5 years from the commencement of the policy. In case of death of the life assured, the interest shall accrue from the date of discontinuance of the policy to the date of booking of liability. The Proceeds of the discontinued policy shall be the monetary amount plus the interest accrued on the Discontinued Policy Fund. Compulsory termination: If the balance in the Policyholder’s Fund Value, at any time after partial withdrawal of units, is not sufficient to recover the relevant charges, the policy shall compulsorily be terminated and the balance amount in the Policyholder’s Fund Value, if any, shall be refunded to the policyholder. Other Features: Guarantee of interest rate on Discontinued Policy Fund: A guaranteed minimum interest rate of 3.5% p.a. shall be credited to the Discontinued Policy Fund constituted by the fund value of all discontinued policies. Partial Withdrawals: Youmay en-cash the units partially after the fifth policy anniversary and provided all due premiums have been paid subject to the following: In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday). Partial withdrawals will be allowed twice in a policy year. Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units subject to a minimum amount of ` 2000/-. For 2 years’ period from the date of withdrawal, the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made. Under 5 years Premium Paying Term policies, partial withdrawal will be allowed subject to a minimum balance of at least one annualized premium in the Policyholder’s Fund Value. Under Single Premium policies, the partial withdrawal will be allowed subject to a minimum balance of 25% of the single premium in the Policyholder’s Fund Value. Increase / Decrease of risk covers:No increase or decrease of covers will be allowed under the plan. Revival: If due premium is not paid within the days of grace, a notice shall be sent to you within a period of fifteen days from the date of expiry of grace period to exercise the option for revival within a period of thirty days of receipt of such notice. If you exercise the option to revive the policy, then the arrears of premium without interest shall be required to be paid. The Corporation reserves the right to accept the revival at its own terms or decline the revival of a policy. Irrespective of what is stated above, if the Policyholder’s Fund Value is not sufficient to recover the charges during the notice period, the policy shall terminate and thereafter revival will not be allowed. Reinstatement: A policy once surrendered cannot be reinstated. Risks borne by the Policyholder: LIC’s Samridhi Plus is a Unit Linked Life Insurance product which is different from the traditional insurance products and is subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAV of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Life Insurance Corporation of India is only the name of the Insurance Company and LIC’s Samridhi Plus is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The fund offered under this contract is the name of the fund and does not in any way indicate the quality of this plan, its future prospects and returns. All benefits under the policy are also subject to the Tax Laws and other financial enactments as they exist from time to time. Cooling off period: If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to us within 15 days. The amount to be refunded in case the policy is returned within the cooling-off period shall be determined as under: Value of units in the Policyholder’s Fund Plus unallocated premium Plus PolicyAdministration charge deducted Less charges @ ` 0.20per thousand Sum Assured under Basic plan Less Actual cost of medical examination and special reports, if any. Loan: No Loan will be available under this plan. Assignment: Assignment will be allowed under this plan.

### LIC's Health Protection Plus.....

Health is a major concern on everybody�s mind these days. With sky rocketing medical expenses, the possibility of any illness leading to hospitalization or surgery is a constant source of anxiety unless the family has actively provided for funds to meet such an eventuality. Most families rarely provide for healthcare, and even if they do, it is grossly inadequate. Given this scenario, LIC has launched LIC�s Health Protection Plus plan, a unique long term health insurance plan that can combine health insurance covers for the entire family (husband, wife and the children) � Hospital Cash Benefit (HCB) and Major Surgical Benefit (MSB) along with a ULIP component (investment in the form of Units) that is specifically designed to meet Domiciliary Treatment Benefit (DTB) / Out Patient Department (OPD) expenses for the insured members. I. Vital Information Accumulation period 1.Age Principal Insured Spouse Insured Child Insured Min Policy Entry Age � Age Last Birthday 18 18 3months Min Age � HCB Cover � Age Last Birthday 18 18 3months Min Age � MSB Cover � Age Last Birthday 18 18 18 Maximum Entry Age Age Nearest Birthday 55 55 17 2. Premium Payment. Mode of Payment: Yearly, Half-Yearly & Monthly (ECS Mode only) Minimum Annual Premium Conditions Number of Lives covered Higher of the two conditions in each category listed below: Single Life 6 times the HCB of the Principal Insured OR Rs.5000 p.a. Two Lives The arithmetic sum of 6 times the HCB of PI and 3 times the HCB of the second insured. OR Rs.7500 p.a. More than two Lives The arithmetic sum of 6 times the HCB of PI and 3 times the HCB of each of the others insured OR Rs.10,000 p.a. Annualized Premiums are payable in multiples of Rs.500. 3. Sum Assured. The Principal Insured must first choose the respective levels of HCB for each member to be covered under the policy. The sum assured for major surgical benefits will be 200 times of the HCB you choose. Major Surgical Sum Assured Principal Insured Spouse Insured Child Insured 200 times the HCB applicable to each insured life under the policy. 4. Other Terms of the Policy. Age Nearest Birthday Principal Insured Spouse Insured Child Insured Max. HCB and MSB Cover ceasing age 75 75 25 Premium Ceasing Age 65 Years Nearest Birthday of the Principal Insured DTB ceasing age No age limit No age limit 25 5. Addition of New Members. It is important for the Principal Insured (the person taking the policy) to decide which of the existing family members are to be covered and include them at the beginning (proposal stage) itself. Eligible existing family members cannot be added at a later stage. New members can however be added under the following three situations. Situation When to include? The cover starts from Marriage/remarriage of the Principal insured after taking the policy Within one year from the date of marriage The following policy anniversary A Child born or Legally adopted child less than 3 months after taking the policy Health Cover starts from the policy anniversary falling immediately after the child completes 3 months Legally adopted child is more than 3 months old From the policy anniversary falling after date of adoption The new members will be eligible for the cover only if they satisfy the conditions of minimum premium and benefits. New members must be included by the Principal Insured only. No new members will be allowed after the death of the principal insured. 6. Increase/Decrease of Premiums. Increase or decrease of premiums is allowed during the term of the policy. Increase in premium must be in multiples of Rs.500. In case of decrease, the minimum premium conditions must be satisfied. However, increase/decrease in premiums does not affect the level of health cover and HCB and MSB benefits. II. CONDITIONS & RESTRICTIONS 1. Premium Discontinuance and Revival. The policy will lapse if the premiums are not paid within the days of grace. The PI shall have the option to revive the policy any time within a period of two years from the due date of first unpaid premium by payment of arrears of premiums or by availing Premium Holidays. During the period of discontinuity, the charges for HCB and MSB covers will continue to be deducted (even beyond two years) from the policy fund till: i. the policy fund has sufficient balance, or ii.the lives covered reach the benefit ceasing age, or iii.the maximum lifetime benefits are exhausted, or iv.the policy is terminated due to death or any other reason, if any, whichever is earlier. In case the policy is not revived during the revival period and the balance in the Policy Fund is not sufficient to recover the charges i.e. if the Policy Fund exhausts, the policy shall compulsorily be terminated with a notice to the PI. All other charges will also continue to be deducted from the Policy Fund till the fund exhausts. 2. Premium Holidays. If the policy lapses after at least 3 years’ premiums have been paid the Principal Insured has the option of either paying all the due premiums in full or avail of premium holiday by just paying the latest instalment premium without any interest. The premium holidays can be availed only as long as the policy fund has a balance of at least one annualized premium at the time of revival. 3. Surrender. No surrender will be allowed. 4. Policy Loans. No policy loan will be available under this policy. 5. Assignment. No assignment will be allowed under this policy. 6. Tax Benefit. The premium payable under this product is eligible for Section 80(D) benefit of Income Tax Act, 1961. 7. Risks borne by the Policyholder: i)LIC’s Health Protection Plus is a Unit Linked Health Insurance product which is different from the traditional insurance products and is subject to risk factors. ii)The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. iii)Life Insurance Corporation of India is only the name of the Insurance Company and LIC’s Health Protection Plus is only the name of the unit linked health insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. iv)Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. v)The fund offered under this contract is the name of the fund and do not in any way indicate the quality of these plans, their future prospects and returns. vi)All benefits under the policy are also subject to the Tax Laws and other financial enactments as they exist from time to time. 8. Cooling off period: If you are not satisfied with the �Terms and Conditions� of the policy, you may return the policy to us within 15 days. III. EXCLUSIONS 1. Common Exclusions in respect of HCB & MSB Benefits: No benefits are available hereunder and no payment will be made by the Corporation for any claim for Hospital Cash Benefit and Major Surgical Benefit under this Policy on account of Hospitalization directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: a.“Pre-existing condition”- any medical condition or any related condition (e.g. illnesses, symptoms, treatments, pains and surgery) that have arisen at some point prior to the commencement of this coverage, irrespective of whether any medical treatment or advice was sought. Any such condition or related condition about which the PI or insured dependant know, knew or could reasonably have been assumed to have known, will be deemed to be pre-existing. The following conditions will also be deemed to be “pre-existing”: i.Conditions arising between signing the application form and confirmation of acceptance by the Corporation ii.Any Sickness, illness, complication or ailment arising out of or connected to the pre-existing illness b.Any Sickness that has been classified as an Epidemic by the -Central or State Government. c.Self afflicted injuries or conditions (attempted suicide), and/or the use or misuse of any drugs or alcohol. d.Any sexually transmitted diseases or any condition directly or indirectly caused to or associated with Human Immuno Deficiency (HIV) Virus or any Syndrome or condition of a similar kind commonly referred to as AIDS. e.War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith. f.Naval or military operations(including duties of peace time) of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like. g.Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard). h.Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping and mountaineering or in any criminal or illegal activities. i.Radioactive contamination. j.Non-allopathic methods of surgery and treatment. 2. Additional Exclusions in respect of Hospital Cash Benefit: No benefits are available hereunder and no payment will be made by the Corporation for any claim for Hospital Cash Benefit under this Policy on account of Hospitalization directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: a.Hospitalization due to illness within the first 180 days from the Date of Cover commencement or 90 days from the date of revival/reinstatement if revived after discontinuance of the cover. b.Removal of any material that was implanted in a former surgery before Date of Cover commencement c.Any diagnosis or treatment arising from or traceable to pregnancy (whether uterine or extra uterine), childbirth including caesarean section, medical termination of pregnancy and/or any treatment related to pre and post natal care of the mother or the new born. d.Hospitalization for the sole purpose of physiotherapy or any ailment for which hospitalization is not warranted due to advancement in medical technology e.Any treatment not performed by a Physician or any treatment of a purely experimental nature. f.Any routine or prescribed medical check up or examination. g.Medical Expenses relating to any hospitalization primarily for diagnostic, X-ray or laboratory examinations h.Circumcision, cosmetic or aesthetic treatments of any description, change of gender surgery, plastic surgery (unless such plastic surgery is necessary for the treatment of Illness or Accidental Bodily Injury as a direct result of the insured event and performed with in 6 months of the same). i.Hospitalization for donation of an organ. j.Hospitalization for correction of birth defects or congenital anomalies k.Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury. l.Convalescence, general debility, nervous or other breakdown, rest cure, congenital diseases or defect or anomaly, , sterilization or infertility (diagnosis and treatment), any sanatoriums, spa or rest cures or long term care or hospitalization undertaken as a preventive or recuperative measure. 3. Additional Exclusions in respect of Major Surgical Benefit: No benefits are available hereunder and no payment will be made by the Corporation for any claim for Major Surgical Benefit under this Policy directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: a.Surgeries not listed in the Surgical Benefit Annexure I b.Surgery triggered by health related causes (and not by Accident) within the first 180 days from the commencement date or 90 days from the date of revival/reinstatement if revived after discontinuance of the cover. c.Any Surgery for which claim has already been made and paid by the Corporation. d.Any treatment not performed by a Physician/Surgeon. e.Any treatment including Surgery that is performed un-conventionally under experimental conditions and purely experimental in nature. f.Circumcision, cosmetic or aesthetic treatments of any description, change of life surgery or treatment, treatment (including surgery) for obesity, plastic surgery (unless necessary for the treatment of Illness or accidental Bodily Injury as a direct result of the insured event and performed with in 6 months of the same). g.Surgery for donation of an organ. h.Removal or correction or replacement of any material that was implanted in a former Surgery before Date of Cover commencement i.Surgery for correction of birth defects or congenital anomalies. j.Any diagnosis or treatment or surgery arising from or traceable to pregnancy (whether uterine or extra uterine). IV. INVESTMENT OF FUNDS The premiums allocated to purchase units will be strictly invested in a Health Protection Plus Fund (Income and Growth – Low Risk) as follows: A. Government/ Government Guaranteed/ Corporate Securities/ Debt Not less than 50% B. Short term investments: Money Market instruments including A above Not more than 90% C. Investment in listed equity shares Not less than 10% & Not more than 50% 1. Method of Calculation of Unit price: Units will be allotted based on the Net Asset Value (NAV) on the date of allotment. There is no Bid-Offer spread. The NAV will be computed on daily basis and will be based on investment performance, Fund Management Charge and whether the fund is expanding or contracting. a. Applicability of Net Asset Value (NAV): The premiums received up to 3 p.m. (as per IRDA guidelines) by the servicing branch of the corporation by a local cheque or by a demand draft payable at par at the place where the premium is received, the closing NAV of the day on which premium is received shall be applicable. The premiums received after such time by the servicing branch of the corporation by a local cheque or by a demand draft payable at par at the place where the premium is received, the closing NAV of the next business day shall be applicable. b. Redeeming of Units: In respect of valid applications received for reimbursement of medical expenses, death claim, etc up to such time by the servicing branch of the Corporation closing NAV of that day shall be applicable. For the valid applications received in respect of Domiciliary Treatment Benefit, death claim etc after 3 p.m. (as per IRDA guidelines) by the servicing branch of the Corporation the closing NAV of the next business day shall be applicable. 2. Charges under the Plan: a. Premium Allocation Charge: This is the percentage of the premium appropriated towards charges from the premium received. The balance known as allocation rate constitutes that part of the premium which is utilized to purchase (Investment) units for the policy. The allocation charges are as below: First year thereafter 30% 6% The above allocation charges shall be applicable for all premiums including any additional premium paid in that particular policy year. b. Health Insurance Charge: There will be two separate charges for the following benefits: i) Hospital Cash Benefit ii) Major Surgical Benefits. These charges will be taken every month in respect of all the members covered by canceling appropriate number of units out of the Policy Fund. These charges, during a policy year, will be based on the age nearer birthday, of each of the members covered, as at the Policy anniversary coinciding with or immediately preceding the due date of cancellation of units and hence may increase every year on each policy anniversary. The charges will also depend on whether the person covered is male or female and standard or sub-standard as per the underwriting decision. If more than one member is covered under the policy then the total charges shall be based on the individual ages of all the members and the amount of cover for each such member. In case of Hospital Cash Benefit, the charges will be applied on the Initial Daily Benefit as mentioned in the Policy Schedule. The charges for Hospital Cash Benefit and/or Major Surgical Benefit will not be deducted once the benefit terminates. 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 b. 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%. d. 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 .

### LIC's Health Protection Plus....

### LIC's Health Protection Plus......... Hospital Cash Benefit (HCB). A daily benefit is payable in case the insured is hospitalized due to either accidental body injury or sickness. The quantum of benefit depends upon the level of cover opted. Insured Initial Daily Benefit (IDB)*# Minimum Maximum Principal Insured Rs.250 Rs.2500 Spouse/Child Rs.250 Rs.1500 *The Applicable Daily Benefit. IDB is applicable during the first year of risk cover. The daily benefit will increase @5% simple p.a. of the IDB on each policy anniversary until it hits a cap of 1.5 times the initial benefit. IDB of the spouse cannot exceed the Principal Insured’s IDB; IDB of the children cannot exceed the spouse’s IDB. The initial HCB must be in multiples of Rs. 50. #Initial daily benefit that is payable in respect of stay in a non-ICU room or ward. In case the insured is required to stay in the ICU of a hospital, an enhanced rate of daily benefit is payable, which is twice the eligible daily cash benefit. 2. Major Surgical Benefit (MSB). In the event of the insured undergoing one of the major surgeries defined in the Annexure I, a lump sum benefit (regardless of the actual costs incurred) equivalent to the percentage of the sum assured mentioned against that surgery will be payable on providing proper proof of surgery to the satisfaction of the corporation. 3. Domiciliary Treatment Benefit (DTB). The Principal Insured can claim an amount equivalent to the actual expense he or she has incurred in respect of any domiciliary treatment or to meet the medical expenses incurred over and above the hospital cash/major surgical benefits in respect of either oneself or the others insured under the policy. BEFORE CESSATION OF HCB AND MSB COVERS ON ALL MEMBERS COVERED Minimum domiciliary claimable Rs.2500 Maximum amount that can be claimed/ payable* Up to 50% of the policy fund at the date of payment * Subject to a minimum balance of one annualized premium being left in the policy fund after making the payment. AFTER CESSATION OF HCB AND MSB COVERS ON ALL MEMBERS COVERED Minimum domiciliary claimable Rs.2500* No limit on maximum amount that can be claimed/ payable * If the balance in the Policy Fund is less than Rs. 2,500/-, then the payment of entire amount shall be made in one lump sum only. Note: i. A maximum of two payments will be allowed in a policy year subject to the above conditions – on production of supporting proof of treatment and bills for expenses. DTB is available only after at least 3 years premiums are paid. ii. DTB is payable for the children covered until the health cover ceasing age. 4. Death Benefit. No death insurance cover is available under the plan. Following benefits/charges will take place on the happening of unfortunate death of principal insured (PI) and/or other insured member. a) On death of the PI (if policy is issued on single life) or on death of all Insured members (if more than one life is covered under the policy). The Policy Fund Value will be payable to the nominee/ legal heir. b) On death of PI (if other Insured members are there). The payment of premiums will cease and the cover will continue for the other Insured lives till the fund is sufficient to recover all the charges or till the maximum benefit ceasing age for each of the Insured lives, whichever is earlier. c) On death of insured member(s), other than PI The payment of premiums and the cover for PI and other Insured members, if any, will continue. 5. Waiting Period. Both HCB and MSB covers are available subject to a waiting period from the commencement of the risk cover specified hereunder – in respect of each insured member: Waiting Period from Principal Insured Spouse Insured Child Insured Date of the cover 180 days 180 days 180* days Date of reinstatement of cover during the revival period 90 days 90 days 90 days No waiting period in respect of Accidental Bodily Injury. *No waiting period in case of children for MSB from the date of cover. 6. Benefit Period Limits –Hospital Cash Benefit. HCB Maximum Annual Benefit Period Maximum Lifetime Benefit Period 1st Year 2nd year & after Principal Insured 18 days incl. 9 days for ICU 60 days incl. 30 days for ICU 365 days Spouse Insured Child Insured* *Maximum period of HCB for an insured child until he or she completes 5 years age is limited to 90 days. IMPORTANT NOTE: HCB is available only in respect of hospitalization in a ward or ICU for continuous period of 24 hours or part thereof, over and above 48 hours, provided such part stay exceeds 4 hours. 7. Conditions for Availing Major Surgery Benefit MSB Principal Insured Spouse Insured Child Insured Maximum Annual benefit 100% of the Sum Assured applicable in respect of the each insured member Maximum Lifetime Benefit 3 times the Sum Assured applicable in respect of the each insured member NOTE: i. Various HCB and MSB Benefit limits and restrictions applicable under this policy in respect of each insured shall solely and exclusively apply to that insured only and are not transferable to any other insured. ii. HCB/MSB is payable only if the hospitalisation/surgery is performed in India. 8. Termination of HCB and MSB Benefits in respect of each insured. On attainment of the insured’s maximum cover ceasing age – 75 years nearest birthday for PI/spouse insured and 25 years nearest birthday for the children insured On reaching the maximum lifetime benefit limits under HCB (365 days) and MSB (3 times the sum assured) On the death of the insured or on the date of termination of the policy for any other reason Insured spouse’s cover terminates on the date of divorce/ legal separation