12. Family Health Optima Insurance Plan - Schedule of Benefits Sum Insured Options (In Lakh) 3 4 5 10 15 20 25 Policy Period 1 year 1 year Family definition (Dependent child from 16 days up to 25 years) P+Sp+3C P+Sp+3C Hospitalization Benefits Up to Rs.5,000/- Single Standard A/C Room ICU/ Operation Theatre Charges Actual Actual No. of Day Care T reatments / Procedures covered All All Sub-Limits for T reatment of Cataract Applicable Applicable Ambulance Charges - By Road Up to Rs.750/- per hospitalization and overall limit of Rs.1,500/- per policy period Air Ambulance (per policy period) X Up to 10% of the Sum Insured Pre-Hospitalization 60 days 60 days Post-Hospitalization 90 days 90 days Domiciliary Hospitalization - for period exceeding three days ü ü Organ Donor Expenses Up to 10% of SI or maximum of Rs.1,00,000/- Additional Benefits (In-built) Cost of Health Check-up - (benefit payable up to in ?) (available after every claim free year per policy) Rs.750/- Rs.1,000/- Rs.1,500/- Rs.2,000/- Rs.2,500/- Rs.3,000/- Rs.3,500/- Coverage for New Born Baby (provided if mother is insured for 12 months without break) Up to 10% of SI or maximum of Rs.50,000/- subject to availability of the SI (from 16th day to till the expiry of the policy) Emergency Domestic Medical Evacuation (per Hospitalization) Rs.5,000/- For SI - 5/ 10/ 15Lakh - Rs.7,500/- For SI - 20/ 25L - Rs.10,000/- Compassionate T ravel (A vailable for S.I 10Lakh and above) X X Up to Rs.5,000/- Per Hospitalization Repatriation of Mortal Remains (benefit in ?) Up to Rs.5,000/- per policy period T reatment in Preferred Network Hospitals (payable as lump-sum) Up to 1% of SI subject to a maximum of Rs.5,000/- per policy period Share Accommodation (benefit per day in ?) For SI 3Lakh to 15Lakh - Rs.800/- per day For SI 20 / 25Lakh - Rs.1,000/- per day A YUSH T reatment (per policy period) Up to Rs.10,000/- Up to Rs.15,000/- Up to Rs.20,000/- Second Medical Opinion ü ü Assisted Reproduction T reatment (payable after a waiting period of 36 months) X Rs. 1,00,000/- For SI 10Lakh to 25Lakh - 2,00,000/- Automatic Restoration of Basic Sum Insured 3 times during the policy period, 100% each time ü ü Recharge Benefit (Provided once during the policy period) 75,000/- 1,00,000/- Rs.1,50,000/- Additional Sum Insured for Road T raffic Accident (RT A) Up to 25% of Sum Insured subject to a maximum of Rs.5,00,000/- (once in a policy period) Bonus - Maximum allowable bonus is 100% 25% of Sum Insured after first year if claim free and additional 10% for the subsequent years W aiting Periods 30 days - for fresh proposals excluding accidental hospitalization ü ü 24 months - for specified illness/ diseases ü ü 48 months - for Pre-existing diseases ü ü P - P r o p o s e r | S P - S p o u s e | C - C h i l d | S I - S u m I n s u r e d | ü - A v a i l a b l e | X - N o t A v a i l a b l e 210.00 mm 97.00 mm 100.00 mm 100.00 mm 297.00 mm

7. ► Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break ► Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v . ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy ► Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy , and to return the same if not acceptable. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period ► Cancellation: The policyholder may cancel this policy by giving 15 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below; Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis”. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud ► Automatic T ermination: The insurance under this policy shall terminate immediately on the earlier of the following events; ü Upon the death of the Insured Person This means that, the cover for the surviving members of the family will continue, subject to other terms of the policy ü Upon exhaustion of the Basic Sum Insured, Basic Sum Insured Plus Bonus, Basic Sum Insured Plus Bonus Plus Restore and / or Recharge Sum Insured ► Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non-disclosure of any material fact by the policy holder . ► T h e C o m p a n y : S t a r H e a l t h a n d A l l i e d I n s u r a n c e C o . L t d . , c o m m e n c e d i t s o p e r a t i o n s i n 2 0 0 6 a s I n d i a ' s f i r s t S t a n d a l o n e H e a l t h I n s u r a n c e p r o v i d e r . A s a n e x c l u s i v e H e a l t h I n s u r e r , t h e C o m p a n y i s p r o v i d i n g s t e r l i n g s e r v i c e s i n H e a l t h , P e r s o n a l A c c i d e n t & O v e r s e a s T r a v e l I n s u r a n c e a n d i s c o m m i t t e d t o s e t t i n g i n t e r n a t i o n a l b e n c h m a r k s i n s e r v i c e a n d p e r s o n a l c a r i n g . ► Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization ► Claims Procedure · Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital · In case of emergency hospitalization information to be given within 24 hours after hospitalization · Cashless facility wherever possible in network hospital · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents ► T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. ► P r o h i b i t i o n o f r e b a t e s : ( S e c t i o n 4 1 o f I n s u r a n c e A c t 1 9 3 8 ) : N o p e r s o n s h a l l a l l o w o r o f f e r t o a l l o w , e i t h e r d i r e c t l y o r i n d i r e c t l y , a s a n i n d u c e m e n t t o a n y p e r s o n t o t a k e o u t o r r e n e w o r c o n t i n u e a n i n s u r a n c e i n r e s p e c t o f a n y k i n d o f r i s k r e l a t i n g t o l i v e s o r p r o p e r t y i n I n d i a , a n y r e b a t e o f t h e w h o l e o r p a r t o f t h e c o m m i s s i o n p a y a b l e o r a n y r e b a t e o f t h e p r e m i u m s h o w n o n t h e p o l i c y , n o r s h a l l a n y p e r s o n t a k i n g o u t o r r e n e w i n g o r c o n t i n u i n g a p o l i c y a c c e p t a n y r e b a t e , e x c e p t s u c h r e b a t e a s m a y b e a l l o w e d i n a c c o r d a n c e w i t h t h e p u b l i s h e d p r o s p e c t u s e s o r t a b l e s o f t h e i n s u r e r . A n y p e r s o n m a k i n g d e f a u l t i n c o m p l y i n g w i t h t h e p r o v i s i o n s o f t h i s s e c t i o n s h a l l b e l i a b l e f o r a p e n a l t y w h i c h m a y e x t e n d t o t e n l a k h s r u p e e s . 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CP AP , BIP AP , Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 3 6 . - A n y h o s p i t a l i z a t i o n w h i c h a r e n o t m e d i c a l l y n e c e s s a r y / d o e s n o t w a r r a n t h o s p i t a l i z a t i o n C o d e E x c l 3 6 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 ► Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract . ► Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 120 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience ► Possibility of Revision of T erms of the Policy lncluding the Premium Rates: The Company , with prior approval of lRDAl, may revise or modify the terms of the policy including the premium rates. The insured person shall be notified three months before the changes are ef fected. ► Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. ► Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 ► P o r t a b i l i t y : T h e i n s u r e d p e r s o n w i l l h a v e t h e o p t i o n t o p o r t t h e p o l i c y t o o t h e r i n s u r e r s b y a p p l y i n g t o s u c h i n s u r e r t o p o r t t h e e n t i r e p o l i c y a l o n g w i t h a l l t h e m e m b e r s o f t h e f a m i l y , i f a n y , a t l e a s t 4 5 d a y s b e f o r e , b u t n o t e a r l i e r t h a n 6 0 d a y s f r o m t h e p o l i c y r e n e w a l d a t e a s p e r I R D A I g u i d e l i n e s r e l a t e d t o p o r t a b i l i t y . l f s u c h p e r s o n i s p r e s e n t l y c o v e r e d a n d h a s b e e n c o n t i n u o u s l y c o v e r e d w i t h o u t a n y l a p s e s u n d e r a n y h e a l t h i n s u r a n c e p o l i c y w i t h a n l n d i a n G e n e r a l / H e a l t h i n s u r e r , t h e p r o p o s e d i n s u r e d p e r s o n w i l l g e t t h e a c c r u e d c o n t i n u i t y b e n e f i t s i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “ p o r t a b i l i t y @ s t a r h e a l t h . i n ” o r c a l l T e l e p h o n e N o + 9 1 - 0 4 4 - 2 8 2 8 8 8 6 9 . For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 14. Dietary supplements and substances that can be purchased without prescription, including but not limited to V itamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure - Code Excl 14 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization Note: Except to the extent covered under coverage Assisted Reproduction T reatment. 18. Maternity - Code Excl 18 a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self-injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases (Other than HIV) 24. Injury/disease directly or indirectly caused by or arising from or attributable to war , invasion, act of foreign enemy , warlike operations (whether war be declared or not) - Code Excl 24 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/ materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other therapies similar to those mentioned herein under this exclusion - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 Buy this insurance online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 F AMIL Y HEAL TH OP TIMA INSURANCE PLAN Cancellation table applicable without instalment option Period on risk Rate of premium to be retained Up to one month 22.5% of the policy premium Exceeding one month up to 3 months 37.5% of the policy premium Exceeding 3 months up to 6 months 57.5% of the policy premium Exceeding 6 months up to 9 months 80% of the policy premium Exceeding 9 months Full of the policy premium Cancellation table applicable with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received BRO / FHO / V .8 / 2020 The information provided in this brochure is only indicative. For more details on the risk factors, terms and conditions, please read the policy wordings before concluding sale Or Visit our website www .starhealth.in F AMIL Y HEAL TH OP TIMA Insurance plan UIN No.: SHAHLIP2121 1V042021 Insurance is the subject matter of solicitation 7 2 10 8 9 “ I R D A I O R I T S O F F I C I A L S D O N O T I N V O L V E I N A C T I V I T I E S L I K E S A L E O F A N Y K I N D O F I N S U R A N C E O R F I N A N C I A L P R O D U C T S N O R I N V E S T P R E M I U M S . I R D A I D O E S N O T A N N O U N C E A N Y B O N U S . P U B L I C R E C E I V I N G S U C H P H O N E C A L L S A R E R E Q U E S T E D TO L O D G E A P O L I C E C O M P L A I N T A L O N G W I T H D E T A I L S O F P H O N E C A L L A N D N U M B E R ” 210.00 mm 585.00 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm

1. ► Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break ► Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v . ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy ► Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy , and to return the same if not acceptable. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period ► Cancellation: The policyholder may cancel this policy by giving 15 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below; Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis”. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud ► Automatic T ermination: The insurance under this policy shall terminate immediately on the earlier of the following events; ü Upon the death of the Insured Person This means that, the cover for the surviving members of the family will continue, subject to other terms of the policy ü Upon exhaustion of the Basic Sum Insured, Basic Sum Insured Plus Bonus, Basic Sum Insured Plus Bonus Plus Restore and / or Recharge Sum Insured ► Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non-disclosure of any material fact by the policy holder . ► T h e C o m p a n y : S t a r H e a l t h a n d A l l i e d I n s u r a n c e C o . L t d . , c o m m e n c e d i t s o p e r a t i o n s i n 2 0 0 6 a s I n d i a ' s f i r s t S t a n d a l o n e H e a l t h I n s u r a n c e p r o v i d e r . A s a n e x c l u s i v e H e a l t h I n s u r e r , t h e C o m p a n y i s p r o v i d i n g s t e r l i n g s e r v i c e s i n H e a l t h , P e r s o n a l A c c i d e n t & O v e r s e a s T r a v e l I n s u r a n c e a n d i s c o m m i t t e d t o s e t t i n g i n t e r n a t i o n a l b e n c h m a r k s i n s e r v i c e a n d p e r s o n a l c a r i n g . ► Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization ► Claims Procedure · Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital · In case of emergency hospitalization information to be given within 24 hours after hospitalization · Cashless facility wherever possible in network hospital · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents ► T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. ► P r o h i b i t i o n o f r e b a t e s : ( S e c t i o n 4 1 o f I n s u r a n c e A c t 1 9 3 8 ) : N o p e r s o n s h a l l a l l o w o r o f f e r t o a l l o w , e i t h e r d i r e c t l y o r i n d i r e c t l y , a s a n i n d u c e m e n t t o a n y p e r s o n t o t a k e o u t o r r e n e w o r c o n t i n u e a n i n s u r a n c e i n r e s p e c t o f a n y k i n d o f r i s k r e l a t i n g t o l i v e s o r p r o p e r t y i n I n d i a , a n y r e b a t e o f t h e w h o l e o r p a r t o f t h e c o m m i s s i o n p a y a b l e o r a n y r e b a t e o f t h e p r e m i u m s h o w n o n t h e p o l i c y , n o r s h a l l a n y p e r s o n t a k i n g o u t o r r e n e w i n g o r c o n t i n u i n g a p o l i c y a c c e p t a n y r e b a t e , e x c e p t s u c h r e b a t e a s m a y b e a l l o w e d i n a c c o r d a n c e w i t h t h e p u b l i s h e d p r o s p e c t u s e s o r t a b l e s o f t h e i n s u r e r . A n y p e r s o n m a k i n g d e f a u l t i n c o m p l y i n g w i t h t h e p r o v i s i o n s o f t h i s s e c t i o n s h a l l b e l i a b l e f o r a p e n a l t y w h i c h m a y e x t e n d t o t e n l a k h s r u p e e s . 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CP AP , BIP AP , Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 3 6 . - A n y h o s p i t a l i z a t i o n w h i c h a r e n o t m e d i c a l l y n e c e s s a r y / d o e s n o t w a r r a n t h o s p i t a l i z a t i o n C o d e E x c l 3 6 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 ► Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract . ► Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 120 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience ► Possibility of Revision of T erms of the Policy lncluding the Premium Rates: The Company , with prior approval of lRDAl, may revise or modify the terms of the policy including the premium rates. The insured person shall be notified three months before the changes are ef fected. ► Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. ► Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 ► P o r t a b i l i t y : T h e i n s u r e d p e r s o n w i l l h a v e t h e o p t i o n t o p o r t t h e p o l i c y t o o t h e r i n s u r e r s b y a p p l y i n g t o s u c h i n s u r e r t o p o r t t h e e n t i r e p o l i c y a l o n g w i t h a l l t h e m e m b e r s o f t h e f a m i l y , i f a n y , a t l e a s t 4 5 d a y s b e f o r e , b u t n o t e a r l i e r t h a n 6 0 d a y s f r o m t h e p o l i c y r e n e w a l d a t e a s p e r I R D A I g u i d e l i n e s r e l a t e d t o p o r t a b i l i t y . l f s u c h p e r s o n i s p r e s e n t l y c o v e r e d a n d h a s b e e n c o n t i n u o u s l y c o v e r e d w i t h o u t a n y l a p s e s u n d e r a n y h e a l t h i n s u r a n c e p o l i c y w i t h a n l n d i a n G e n e r a l / H e a l t h i n s u r e r , t h e p r o p o s e d i n s u r e d p e r s o n w i l l g e t t h e a c c r u e d c o n t i n u i t y b e n e f i t s i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “ p o r t a b i l i t y @ s t a r h e a l t h . i n ” o r c a l l T e l e p h o n e N o + 9 1 - 0 4 4 - 2 8 2 8 8 8 6 9 . For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 14. Dietary supplements and substances that can be purchased without prescription, including but not limited to V itamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure - Code Excl 14 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization Note: Except to the extent covered under coverage Assisted Reproduction T reatment. 18. Maternity - Code Excl 18 a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self-injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases (Other than HIV) 24. Injury/disease directly or indirectly caused by or arising from or attributable to war , invasion, act of foreign enemy , warlike operations (whether war be declared or not) - Code Excl 24 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/ materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other therapies similar to those mentioned herein under this exclusion - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 Buy this insurance online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 F AMIL Y HEAL TH OP TIMA INSURANCE PLAN Cancellation table applicable without instalment option Period on risk Rate of premium to be retained Up to one month 22.5% of the policy premium Exceeding one month up to 3 months 37.5% of the policy premium Exceeding 3 months up to 6 months 57.5% of the policy premium Exceeding 6 months up to 9 months 80% of the policy premium Exceeding 9 months Full of the policy premium Cancellation table applicable with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received BRO / FHO / V .8 / 2020 The information provided in this brochure is only indicative. For more details on the risk factors, terms and conditions, please read the policy wordings before concluding sale Or Visit our website www .starhealth.in F AMIL Y HEAL TH OP TIMA Insurance plan UIN No.: SHAHLIP2121 1V042021 Insurance is the subject matter of solicitation 7 2 10 8 9 “ I R D A I O R I T S O F F I C I A L S D O N O T I N V O L V E I N A C T I V I T I E S L I K E S A L E O F A N Y K I N D O F I N S U R A N C E O R F I N A N C I A L P R O D U C T S N O R I N V E S T P R E M I U M S . I R D A I D O E S N O T A N N O U N C E A N Y B O N U S . P U B L I C R E C E I V I N G S U C H P H O N E C A L L S A R E R E Q U E S T E D TO L O D G E A P O L I C E C O M P L A I N T A L O N G W I T H D E T A I L S O F P H O N E C A L L A N D N U M B E R ” 210.00 mm 585.00 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm

5. ► Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break ► Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v . ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy ► Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy , and to return the same if not acceptable. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period ► Cancellation: The policyholder may cancel this policy by giving 15 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below; Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis”. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud ► Automatic T ermination: The insurance under this policy shall terminate immediately on the earlier of the following events; ü Upon the death of the Insured Person This means that, the cover for the surviving members of the family will continue, subject to other terms of the policy ü Upon exhaustion of the Basic Sum Insured, Basic Sum Insured Plus Bonus, Basic Sum Insured Plus Bonus Plus Restore and / or Recharge Sum Insured ► Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non-disclosure of any material fact by the policy holder . ► T h e C o m p a n y : S t a r H e a l t h a n d A l l i e d I n s u r a n c e C o . L t d . , c o m m e n c e d i t s o p e r a t i o n s i n 2 0 0 6 a s I n d i a ' s f i r s t S t a n d a l o n e H e a l t h I n s u r a n c e p r o v i d e r . A s a n e x c l u s i v e H e a l t h I n s u r e r , t h e C o m p a n y i s p r o v i d i n g s t e r l i n g s e r v i c e s i n H e a l t h , P e r s o n a l A c c i d e n t & O v e r s e a s T r a v e l I n s u r a n c e a n d i s c o m m i t t e d t o s e t t i n g i n t e r n a t i o n a l b e n c h m a r k s i n s e r v i c e a n d p e r s o n a l c a r i n g . ► Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization ► Claims Procedure · Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital · In case of emergency hospitalization information to be given within 24 hours after hospitalization · Cashless facility wherever possible in network hospital · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents ► T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. ► P r o h i b i t i o n o f r e b a t e s : ( S e c t i o n 4 1 o f I n s u r a n c e A c t 1 9 3 8 ) : N o p e r s o n s h a l l a l l o w o r o f f e r t o a l l o w , e i t h e r d i r e c t l y o r i n d i r e c t l y , a s a n i n d u c e m e n t t o a n y p e r s o n t o t a k e o u t o r r e n e w o r c o n t i n u e a n i n s u r a n c e i n r e s p e c t o f a n y k i n d o f r i s k r e l a t i n g t o l i v e s o r p r o p e r t y i n I n d i a , a n y r e b a t e o f t h e w h o l e o r p a r t o f t h e c o m m i s s i o n p a y a b l e o r a n y r e b a t e o f t h e p r e m i u m s h o w n o n t h e p o l i c y , n o r s h a l l a n y p e r s o n t a k i n g o u t o r r e n e w i n g o r c o n t i n u i n g a p o l i c y a c c e p t a n y r e b a t e , e x c e p t s u c h r e b a t e a s m a y b e a l l o w e d i n a c c o r d a n c e w i t h t h e p u b l i s h e d p r o s p e c t u s e s o r t a b l e s o f t h e i n s u r e r . A n y p e r s o n m a k i n g d e f a u l t i n c o m p l y i n g w i t h t h e p r o v i s i o n s o f t h i s s e c t i o n s h a l l b e l i a b l e f o r a p e n a l t y w h i c h m a y e x t e n d t o t e n l a k h s r u p e e s . 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CP AP , BIP AP , Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 3 6 . - A n y h o s p i t a l i z a t i o n w h i c h a r e n o t m e d i c a l l y n e c e s s a r y / d o e s n o t w a r r a n t h o s p i t a l i z a t i o n C o d e E x c l 3 6 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 ► Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract . ► Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 120 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience ► Possibility of Revision of T erms of the Policy lncluding the Premium Rates: The Company , with prior approval of lRDAl, may revise or modify the terms of the policy including the premium rates. The insured person shall be notified three months before the changes are ef fected. ► Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. ► Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 ► P o r t a b i l i t y : T h e i n s u r e d p e r s o n w i l l h a v e t h e o p t i o n t o p o r t t h e p o l i c y t o o t h e r i n s u r e r s b y a p p l y i n g t o s u c h i n s u r e r t o p o r t t h e e n t i r e p o l i c y a l o n g w i t h a l l t h e m e m b e r s o f t h e f a m i l y , i f a n y , a t l e a s t 4 5 d a y s b e f o r e , b u t n o t e a r l i e r t h a n 6 0 d a y s f r o m t h e p o l i c y r e n e w a l d a t e a s p e r I R D A I g u i d e l i n e s r e l a t e d t o p o r t a b i l i t y . l f s u c h p e r s o n i s p r e s e n t l y c o v e r e d a n d h a s b e e n c o n t i n u o u s l y c o v e r e d w i t h o u t a n y l a p s e s u n d e r a n y h e a l t h i n s u r a n c e p o l i c y w i t h a n l n d i a n G e n e r a l / H e a l t h i n s u r e r , t h e p r o p o s e d i n s u r e d p e r s o n w i l l g e t t h e a c c r u e d c o n t i n u i t y b e n e f i t s i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “ p o r t a b i l i t y @ s t a r h e a l t h . i n ” o r c a l l T e l e p h o n e N o + 9 1 - 0 4 4 - 2 8 2 8 8 8 6 9 . For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 14. Dietary supplements and substances that can be purchased without prescription, including but not limited to V itamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure - Code Excl 14 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization Note: Except to the extent covered under coverage Assisted Reproduction T reatment. 18. Maternity - Code Excl 18 a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self-injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases (Other than HIV) 24. Injury/disease directly or indirectly caused by or arising from or attributable to war , invasion, act of foreign enemy , warlike operations (whether war be declared or not) - Code Excl 24 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/ materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other therapies similar to those mentioned herein under this exclusion - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 Buy this insurance online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 F AMIL Y HEAL TH OP TIMA INSURANCE PLAN Cancellation table applicable without instalment option Period on risk Rate of premium to be retained Up to one month 22.5% of the policy premium Exceeding one month up to 3 months 37.5% of the policy premium Exceeding 3 months up to 6 months 57.5% of the policy premium Exceeding 6 months up to 9 months 80% of the policy premium Exceeding 9 months Full of the policy premium Cancellation table applicable with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received BRO / FHO / V .8 / 2020 The information provided in this brochure is only indicative. For more details on the risk factors, terms and conditions, please read the policy wordings before concluding sale Or Visit our website www .starhealth.in F AMIL Y HEAL TH OP TIMA Insurance plan UIN No.: SHAHLIP2121 1V042021 Insurance is the subject matter of solicitation 7 2 10 8 9 “ I R D A I O R I T S O F F I C I A L S D O N O T I N V O L V E I N A C T I V I T I E S L I K E S A L E O F A N Y K I N D O F I N S U R A N C E O R F I N A N C I A L P R O D U C T S N O R I N V E S T P R E M I U M S . I R D A I D O E S N O T A N N O U N C E A N Y B O N U S . P U B L I C R E C E I V I N G S U C H P H O N E C A L L S A R E R E Q U E S T E D TO L O D G E A P O L I C E C O M P L A I N T A L O N G W I T H D E T A I L S O F P H O N E C A L L A N D N U M B E R ” 210.00 mm 585.00 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm

6. ► Withdrawal of the policy i. In the likelihood of this product being withdrawn in future, the Company will intimate the insured person about the same 90 days prior to expiry of the policy ii. lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break ► Instalment Premium Options: lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Y early , Quarterly or Monthly , as mentioned in the policy Schedule/Certificate of lnsurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy); i. Grace Period of 7 days would be given to pay the instalment premium due for the policy ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company iii. The insured person will get the accrued continuity benefit in respect of the "W aiting Periods", "Specific W aiting Periods" in the event of payment of premium within the stipulated grace Period iv . No interest will be charged lf the instalment premium is not paid on due date v . ln case of instalment premium due not received within the grace period, the policy will get cancelled vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable vii The company has the right to recover and deduct all the pending installments from the claim amount due under the policy ► Free Look Period: The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy . The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy , and to return the same if not acceptable. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to; i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period ► Cancellation: The policyholder may cancel this policy by giving 15 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below; Note: If the premium is paid Monthly , cancellation of policy will be on “No Refund Basis”. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy . ii. The Company may cancel the policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the insured person by giving 15 days written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud ► Automatic T ermination: The insurance under this policy shall terminate immediately on the earlier of the following events; ü Upon the death of the Insured Person This means that, the cover for the surviving members of the family will continue, subject to other terms of the policy ü Upon exhaustion of the Basic Sum Insured, Basic Sum Insured Plus Bonus, Basic Sum Insured Plus Bonus Plus Restore and / or Recharge Sum Insured ► Disclosure to information norms: The policy shall become void and all premium paid thereon shall be forfeited to the Company , in the event of mis-representation, mis description or non-disclosure of any material fact by the policy holder . ► T h e C o m p a n y : S t a r H e a l t h a n d A l l i e d I n s u r a n c e C o . L t d . , c o m m e n c e d i t s o p e r a t i o n s i n 2 0 0 6 a s I n d i a ' s f i r s t S t a n d a l o n e H e a l t h I n s u r a n c e p r o v i d e r . A s a n e x c l u s i v e H e a l t h I n s u r e r , t h e C o m p a n y i s p r o v i d i n g s t e r l i n g s e r v i c e s i n H e a l t h , P e r s o n a l A c c i d e n t & O v e r s e a s T r a v e l I n s u r a n c e a n d i s c o m m i t t e d t o s e t t i n g i n t e r n a t i o n a l b e n c h m a r k s i n s e r v i c e a n d p e r s o n a l c a r i n g . ► Star Advantages · No Third Party Administrator , direct in-house claims settlement · Faster and hassle – free claim settlement · Cashless hospitalization ► Claims Procedure · Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477 · In case of planned hospitalization, inform 24 hours prior to admission in the hospital · In case of emergency hospitalization information to be given within 24 hours after hospitalization · Cashless facility wherever possible in network hospital · In non-network hospitals payment must be made up-front and then reimbursement will be ef fected on submission of documents ► T ax Benefits: Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income T ax Act 1961. ► P r o h i b i t i o n o f r e b a t e s : ( S e c t i o n 4 1 o f I n s u r a n c e A c t 1 9 3 8 ) : N o p e r s o n s h a l l a l l o w o r o f f e r t o a l l o w , e i t h e r d i r e c t l y o r i n d i r e c t l y , a s a n i n d u c e m e n t t o a n y p e r s o n t o t a k e o u t o r r e n e w o r c o n t i n u e a n i n s u r a n c e i n r e s p e c t o f a n y k i n d o f r i s k r e l a t i n g t o l i v e s o r p r o p e r t y i n I n d i a , a n y r e b a t e o f t h e w h o l e o r p a r t o f t h e c o m m i s s i o n p a y a b l e o r a n y r e b a t e o f t h e p r e m i u m s h o w n o n t h e p o l i c y , n o r s h a l l a n y p e r s o n t a k i n g o u t o r r e n e w i n g o r c o n t i n u i n g a p o l i c y a c c e p t a n y r e b a t e , e x c e p t s u c h r e b a t e a s m a y b e a l l o w e d i n a c c o r d a n c e w i t h t h e p u b l i s h e d p r o s p e c t u s e s o r t a b l e s o f t h e i n s u r e r . A n y p e r s o n m a k i n g d e f a u l t i n c o m p l y i n g w i t h t h e p r o v i s i o n s o f t h i s s e c t i o n s h a l l b e l i a b l e f o r a p e n a l t y w h i c h m a y e x t e n d t o t e n l a k h s r u p e e s . 30. - Code Excl 30 All treatment for Priapism and erectile dysfunctions 31. Inoculation or V accination (except for post–bite treatment and for medical treatment for therapeutic reasons) - Code Excl 31 32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable) - Code Excl 32 33. - Medical and / or surgical treatment of Sleep apnea, treatment for endocrine disorders Code Excl 33 34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges - Code Excl 34 35. Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CP AP , BIP AP , Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 3 6 . - A n y h o s p i t a l i z a t i o n w h i c h a r e n o t m e d i c a l l y n e c e s s a r y / d o e s n o t w a r r a n t h o s p i t a l i z a t i o n C o d e E x c l 3 6 37. - Code Excl 37 Other Excluded Expenses as detailed in the website www .starhealth.in 38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes - Code Excl 38 ► Moratorium Period: After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period. The moratorium would be applicable for the sums insured of the first policy and subsequently completion of 8 continuous years would be applicable from date of enhancement of sums insured only on the enhanced limits. After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract. The policies would however be subject to all limits, sub limits, co-payments, deductibles as per the policy contract . ► Renewal and Grace Period: The policy shall ordinarily be renewable except on grounds of fraud, misrepresentation by the Insured Person; 1. The Company shall endeavor to give notice for renewal. However , the Company is not under obligation to give any notice for renewal 2. Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years 3. Request for renewal along with requisite premium shall be received by the Company before the end of the policy period 4. At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 120 days to maintain continuity of benefits without break in policy 5. Coverage is not available during the grace period 6. No loading shall apply on renewals based on individual claims experience ► Possibility of Revision of T erms of the Policy lncluding the Premium Rates: The Company , with prior approval of lRDAl, may revise or modify the terms of the policy including the premium rates. The insured person shall be notified three months before the changes are ef fected. ► Revision in Sum Insured: Any revision in sum insured is permissible only at the time of renewal. The Insured Person can propose such revision and may be allowed subject to Company's approval and payment of appropriate premium. ► Migration: The insured person will have the option to migrate the policy to other health insurance products/plans of fered by the company by applying for migration of the Policy atleast 30 days before the policy renewal date as per IRDAI guidelines on Migration. lf such person is presently covered and has been continuously covered without any lapses under any health insurance product/plan of fered by the company , the insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on migration . For Detailed Guidelines on migration, kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 ► P o r t a b i l i t y : T h e i n s u r e d p e r s o n w i l l h a v e t h e o p t i o n t o p o r t t h e p o l i c y t o o t h e r i n s u r e r s b y a p p l y i n g t o s u c h i n s u r e r t o p o r t t h e e n t i r e p o l i c y a l o n g w i t h a l l t h e m e m b e r s o f t h e f a m i l y , i f a n y , a t l e a s t 4 5 d a y s b e f o r e , b u t n o t e a r l i e r t h a n 6 0 d a y s f r o m t h e p o l i c y r e n e w a l d a t e a s p e r I R D A I g u i d e l i n e s r e l a t e d t o p o r t a b i l i t y . l f s u c h p e r s o n i s p r e s e n t l y c o v e r e d a n d h a s b e e n c o n t i n u o u s l y c o v e r e d w i t h o u t a n y l a p s e s u n d e r a n y h e a l t h i n s u r a n c e p o l i c y w i t h a n l n d i a n G e n e r a l / H e a l t h i n s u r e r , t h e p r o p o s e d i n s u r e d p e r s o n w i l l g e t t h e a c c r u e d c o n t i n u i t y b e n e f i t s i n w a i t i n g p e r i o d s a s p e r I R D A I g u i d e l i n e s o n p o r t a b i l i t y . F o r d e t a i l s c o n t a c t “ p o r t a b i l i t y @ s t a r h e a l t h . i n ” o r c a l l T e l e p h o n e N o + 9 1 - 0 4 4 - 2 8 2 8 8 8 6 9 . For Detailed Guidelines on portability , kindly refer the link https://www .irdai.gov .in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo3987 1 1. Excluded Providers - Code Excl 1 1: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However , in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim. 12. T reatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 13. T reatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons - Code Excl 13 14. Dietary supplements and substances that can be purchased without prescription, including but not limited to V itamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure - Code Excl 14 15. Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. 16. Unproven T reatments - Code Excl 16: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their ef fectiveness. 17. Sterility and Infertility - Code Excl 17: Expenses related to sterility and infertility . This includes; a. Any type of contraception, sterilization b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF , ZIFT , GIFT , ICSI c. Gestational Surrogacy d. Reversal of sterilization Note: Except to the extent covered under coverage Assisted Reproduction T reatment. 18. Maternity - Code Excl 18 a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty , Frenuloplasty , Preputial Dilatation and Removal of SMEGMA - Code Excl 19 20. - Code Excl 20 Congenital External Condition / Defects / Anomalies 21. - Convalescence, general debility , run-down condition, Nutritional deficiency states Code Excl 21 22. - Code Excl 22 Intentional self-injury 23. - Code Excl 23 V enereal Disease and Sexually T ransmitted Diseases (Other than HIV) 24. Injury/disease directly or indirectly caused by or arising from or attributable to war , invasion, act of foreign enemy , warlike operations (whether war be declared or not) - Code Excl 24 25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/ materials - Code Excl 25 26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy , Hyperbaric Oxygen Therapy , Rotational Field Quantum Magnetic Resonance Therapy , V AX-D, Low level laser therapy , Photodynamic therapy and such other therapies similar to those mentioned herein under this exclusion - Code Excl 26 27. - Code Excl 27 Unconventional, Untested, Experimental therapies 28. Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted - Code Excl 29 Buy this insurance online at www .starhealth.in and avail discount 5% This discount is available for first purchase only Call T oll-free: 1800-425-2255 / 1800-102-4477, sms ST AR to 56677 Fax T oll Free No: 1800-425-5522 « Email : support@starhealth.in CIN : U66010TN2005PLC056649 « IRDAI Regn. No: 129 F AMIL Y HEAL TH OP TIMA INSURANCE PLAN Cancellation table applicable without instalment option Period on risk Rate of premium to be retained Up to one month 22.5% of the policy premium Exceeding one month up to 3 months 37.5% of the policy premium Exceeding 3 months up to 6 months 57.5% of the policy premium Exceeding 6 months up to 9 months 80% of the policy premium Exceeding 9 months Full of the policy premium Cancellation table applicable with instalment option of Half-yearly premium payment frequency Period on risk Rate of premium to be retained Up to one month 45% of the total premium received Exceeding one month up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 65% of the total premium received Exceeding 7 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received Cancellation table applicable with instalment option of Quarterly premium payment frequency Period on risk Rate of premium to be retained Up to one month 87.5% of the total premium received Exceeding one month up to 3 months 100% of the total premium received Exceeding 3 months up to 4 months 87.5% of the total premium received Exceeding 4 months up to 6 months 100% of the total premium received Exceeding 6 months up to 7 months 85% of the total premium received Exceeding 7 months up to 9 months 100% of the total premium received Exceeding 9 months up to 10 months 85% of the total premium received Exceeding 10 months 100% of the total premium received BRO / FHO / V .8 / 2020 The information provided in this brochure is only indicative. For more details on the risk factors, terms and conditions, please read the policy wordings before concluding sale Or Visit our website www .starhealth.in F AMIL Y HEAL TH OP TIMA Insurance plan UIN No.: SHAHLIP2121 1V042021 Insurance is the subject matter of solicitation 7 2 10 8 9 “ I R D A I O R I T S O F F I C I A L S D O N O T I N V O L V E I N A C T I V I T I E S L I K E S A L E O F A N Y K I N D O F I N S U R A N C E O R F I N A N C I A L P R O D U C T S N O R I N V E S T P R E M I U M S . I R D A I D O E S N O T A N N O U N C E A N Y B O N U S . P U B L I C R E C E I V I N G S U C H P H O N E C A L L S A R E R E Q U E S T E D TO L O D G E A P O L I C E C O M P L A I N T A L O N G W I T H D E T A I L S O F P H O N E C A L L A N D N U M B E R ” 210.00 mm 585.00 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm 102.50 mm 102.50 mm

3. 210.00 mm 1 A Super saver Plan covering the entire family under single sum insured. Loaded with extra benefits. ► A Super Saver Policy A Single Sum Insured A Extra Benefits A Coverage for entire family A Considerable saving in premium as the family is covered under one policy ► Eligibility A Any person aged between 18 years and 65 years, residing in India, can take this insurance A Beyond 65 years, It can be renewed for life time A Child above 16 days of age can be covered as part of the family . If, at the commencement of the policy , the new born child as defined in the policy clause is less than 16 days of age, the proposer can opt to cover such child also in the same policy by paying the applicable premium in full. However , the cover for such child will commence only from the 16th day after its birth and continue till the expiry date of the policy A Family: Proposer , spouse, dependent children from 16 days up to 25 years (Dependent children means children who are economically dependent on their parents) ► Policy Benefits A In-Patient Hospitalisation Benefits A) Room, Boarding, Nursing Expenses as given below; Important Note: Expenses relating to the hospitalization will be considered in proportion to the eligible room rent as stated above or actual whichever is less. B) Surgeon, Anesthetist, Medical Practitioner , Consultants & Specialist Fees C ) A n e s t h e s i a , B l o o d , O x y g e n , O p e r a t i o n T h e a t r e c h a r g e s , I C U c h a r g e s , c o s t o f P a c e m a k e r e t c E) Cost of Medicine and drugs F) Emergency ambulance charges up to a sum of Rs.750/- per Ambulance Charges: hospitalisation and overall limit of Rs.1500/- per policy period G) Up to 10% of the Basic sum insured per policy period. Available Air Ambulance Cover: for Sum Insured of Rs. 5 Lakhs and above only A Pre & Post Hospitalization — Pre-hospitalization medical expenses incurred up to 60 days are payable — Post-hospitalization medical expenses incurred up to 90 days are payable A Coverage for Modern T reatment: Expenses are subject to the limits. (For details please refer website: www .starhealth.in) A Day Care Procedures: All day care procedures covered. A Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually A Pre-Acceptance Medical Screening: All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the Company designated Centers The cost of such screening will be borne by the Company . The age for screening and the cost sharing are subject to change. ► Special Features A D o m i c i l i a r y H o s p i t a l i z a t i o n : C o v e r a g e f o r m e d i c a l t r e a t m e n t ( i n c l u d i n g A Y U S H ) f o r a p e r i o d e x c e e d i n g t h r e e d a y s , f o r a n i l l n e s s / d i s e a s e / i n j u r y , w h i c h i n t h e n o r m a l c o u r s e , w o u l d r e q u i r e c a r e a n d t r e a t m e n t a t a H o s p i t a l b u t i s a c t u a l l y t a k e n w h i l s t c o n f i n e d a t h o m e u n d e r a n y o f t h e f o l l o w i n g c i r c u m s t a n c e s ; — The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or — The patient takes treatment at home on account of non-availability of room in a hospital. However , this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy , Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, T onsillitis and Upper Respiratory T ract infection including Laryngitis and Pharingitis, Arthritis, Gout and Rheumatism. A Donor Expenses For Organ T ransplantation payable where the insured is the recipient. Maximum payable under this head is 10% of the sum insured or Rupees one lakh whichever is less, subject to availability of the sum insured and provided the claim for transplantation is payable. Donor screening expenses are not payable. A Cost of Health Check Up: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health checkup is done at network hospitals and the policy is in force. Payment under this benefit does not form part of the sum insured and will not impact the Bonus. If a claim is made by any of the insured persons, the health check up benefits will not be available under the policy . Note: Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy. A Coverage for Newborn Baby: The coverage for New Born Baby starts from the 16th day after its birth till the expiry date of the policy and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the sum insured, provided the mother is insured under the policy for a continuous period of 12 months without break. Note: 1. Intimation about the birth of the New Born Baby should be given to the company and policy has to be endorsed for this cover to commence 2. shall not apply for the New Born Baby Exclusion No.3 (Code Excl 03) 3. All other terms, conditions and exclusions shall apply for the New Born Baby A Emergency Domestic Medical Evacuation: Subject to limits mentioned in the table given below , the Company will reimburse reasonable and necessary expenses incurred towards transportation of the insured person from the hospital where the insured person is currently undergoing treatment to another hospital for further treatment provided; a. The medical condition of the Insured Person is a life threatening emergency b. Further treatment facilities are not available in the current hospital c. The Medical Evacuation is recommended by the treating Medical Practitioner d. Claim for Hospitalization is admissible under the policy Note: Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Compassionate travel: In the event of the insured person being hospitalized for a life threatening emergency at a place away from his usual place of residence as recorded in the policy , the Company will reimburse the transportation expenses by air incurred upto Rs.5,000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located, provided the claim for hospitalization is admissible under the policy . Note: This benefit is available for sum insured options of Rs.10,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Repatriation of Mortal Remains: Following an admissible claim for hospitalization under the policy , the Company shall reimburse up to Rs.5,000/- per policy period towards the cost of repatriation of mortal remains of the insured person (including the cost of embalming and cof fin charges) to the residence of the Insured as recorded in the policy . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A T reatment in Preferred Network Hospitals: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company , the Company may suggest an appropriate hospital from the network for treatment. Where the insured accepts the same and undergoes treatment in the suggested hospital, an amount calculated at 1% of Basic Sum Insured subject to a maximum of Rs. 5,000/- per policy period is payable as lump sum. Note: This benefit is available for Basic Sum Insured of Rs. 3,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact Bonus. A Shared Accommodation: If the Insured person occupies, a shared accommodation during in-patient hospitalization, then amount as per table given below will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation. Payment under this benefit does not form part of the sum insured but will impact Bonus; Note: This benefit is available for Basic Sum Insured of Rs.3,00,000/- and above only. A A YUSH T reatment: Expenses incurred on treatment under A yurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health is payable up to the limits given below; N o t e : P a y m e n t u n d e r t h i s b e n e f i t f o r m s p a r t o f t h e s u m i n s u r e d a n d w i l l i m p a c t t h e B o n u s . A Second Medical Opinion: The Insured Person is given the facility of obtaining a Medical Second Opinion from a Doctor in the Company's network of Medical Practitioners. T o utilize this benefit, all medical records should be forwarded to the mail-id : e_medicalopinion@starhealth.in. A A s s i s t e d R e p r o d u c t i o n T r e a t m e n t : T h e C o m p a n y w i l l r e i m b u r s e m e d i c a l e x p e n s e s i n c u r r e d o n A s s i s t e d R e p r o d u c t i o n T r e a t m e n t , w h e r e i n d i c a t e d , f o r s u b - f e r t i l i t y s u b j e c t t o ; 1. A waiting period of 36 months from the date of first inception of this policy with the Company for the insured person T h e m a x i m u m l i a b i l i t y o f t h e C o m p a n y f o r s u c h t r e a t m e n t s h a l l b e l i m i t e d t o R s . 1 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 5 , 0 0 , 0 0 0 / - a n d R s . 2 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 1 0 , 0 0 , 0 0 0 / - a n d a b o v e f o r e v e r y b l o c k o f 3 6 m o n t h s a n d p a y a b l e o n r e n e w a l 2 . F o r t h e p u r p o s e o f c l a i m i n g u n d e r t h i s b e n e f i t , i n - p a t i e n t t r e a t m e n t i s n o t m a n d a t o r y 3. Automatic Restoration of Basic Sum Insured, Recharge Benefit shall not be applicable for this benefit Note: T o be eligible for this benefit both husband and spouse should stay insured continuously without break under this policy for every block. This coverage is available only for sum insured options of Rs.5,00,000/- and above. This benefit covers intrauterine insemination (IUI), Intra-Cytoplasmic Sperm Injection (ICSI), In-V itro Fertilisation( IVF) and TESA / TESE (T esticular / Epididymal Sperm Aspiration / Extraction) A Additional Sum Insured for Road T raffic Accident (RT A): If the insured person meets with a Road T raf fic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs. 5,00,000/-. This benefit is payable only if the insurend person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider . The additional sum insured shall be available only once during the policy period and should be used for the particular hospitalization following R T A & cannot be carried forward. Automatic Restoration of Basic Sum Insured and Recharge Benefit shall not apply for this benefit. A Automatic Restoration of Sum Insured: There shall be automatic restoration of the Basic Sum Insured immediately upon exhaustion of the limit of coverage which has been defined during the policy period. Such Automatic Restoration is available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one. It is made clear that such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made. The unutilized restored sum insured cannot be carried forward. This benefit is not available for Modern T reatment. Note: Automatic Restoration of Basic Sum Insured is available only for sum insured options of Rs.3,00,000/- and above. A Limits for cataract surgery: Expenses incurred on treatment of Cataract is subject to the limits as per the following table; A R e c h a r g e B e n e f i t : I f t h e l i m i t o f c o v e r a g e u n d e r t h e p o l i c y i s e x h a u s t e d / e x c e e d e d d u r i n g t h e p o l i c y p e r i o d , a d d i t i o n a l i n d e m n i t y u p t o t h e l i m i t s s t a t e d i n t h e t a b l e g i v e n b e l o w w o u l d b e p r o v i d e d o n c e f o r t h e r e m a i n i n g p o l i c y p e r i o d . S u c h a d d i t i o n a l i n d e m n i t y c a n b e u t i l i z e d e v e n f o r t h e s a m e h o s p i t a l i z a t i o n o r f o r t h e t r e a t m e n t o f d i s e a s e s / i l l n e s s / i n j u r y / f o r w h i c h c l a i m w a s p a i d / p a y a b l e u n d e r t h e p o l i c y . T h e u n u t i l i z e d R e c h a r g e a m o u n t c a n n o t b e c a r r i e d f o r w a r d . T h i s b e n e f i t i s n o t a v a i l a b l e f o r M o d e r n T r e a t m e n t . A Bonus: In respect of a claim free year of Insurance, for the Basic Sum Insured options Rs.3,00,000/- and above, the insured would be entitled to benefit of bonus of 25% of the expiring Basic Sum Insured in the second year and additional 10% of the expiring Basic sum Insured for the subsequent years. The maximum allowable bonus shall not exceed 100%. The Bonus will be calculated on the expiring sum insured or on the renewed sum insured whichever is less. Bonus will be given on that part of sum insured which is continuously renewed. If the insured opts to reduce the sum insured at the subsequent renewal, the limit of indemnity by way of such Bonus shall not exceed such reduced sum insured. Bonus shall be available only upon timely renewal without break or upon renewal within the grace period allowed. In the event of a claim, such bonus so granted will be reduced at the same rate at which it has accrued. However the Basic sum insured, will not be reduced. A Co-Payment: This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above. ► Exclusions: The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 48 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F . List of specific diseases/procedures; a. T reatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT , Diseases related to Thyroid, Prolapse of Intervertebral Disc (other than caused by accident), V aricose veins and V aricose ulcers, Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula, all Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies, all types of Hernia, Benign T umours of Epididymis, S p e r m a t o c e l e , V a r i c o c e l e , H y d r o c e l e , F i s t u l a , F i s s u r e i n A n o , Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence and Congenital Internal disease / defect b) All treatments (conservative, interventional, laparoscopic and open) related to Hepatopancreato-biliary diseases including Gall bladder and Pancreatic calculi. All types of management for Kidney and Genitourinary tract calculi c) All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries(other than due to cancer), Uterine Bleeding, Pelvic Inflammatory Diseases and Benign diseases of the breast d) All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to T endon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident] e) All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo-skeletal system f) Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology g) All types of transplant and related surgeries 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5. Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity/ W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. Sum Insured Rs. Limit per hospitalization Up to 4,00,000/- Up to Rs.5,000/- 5,00,000/- to 15,00,000/- Up to Rs.7,500/- 20,00,000/- and 25,00,000/- Up to Rs.10,000/- Sum Insured Rs. Limit per day Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 800/- per day 4,00,000/- 5,00,000/- 10,00,000/- 15,00,000/- 20,00,000/- 1000/- per day 25,00,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 75,000/- 4,00,000/- 1,00,000/- 5,00,000/- 1,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per eye (in Rs.) Limit per policy period (in Rs.) 1,00,000/- Up to 12,000/- per eye, per policy period 2,00,000/- 3,00,000/- Up to 25,000/- Up to 35,000/- 4,00,000/- Up to 30,000/- Up to 45,000/- 5,00,000/- Up to 40,000/- Up to 60,000/- 10,00,000/- Up to 50,000/- Up to 75,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per policy period Rs. 1,00,000/- Up to 10,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- to 15,00,000/- Up to 15,000/- 20,00,000/- and 25,00,000/- Up to 20,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Upto 2,000/- per day 2,00,000/- 3,00,000/- Upto 5,000/- per day 4,00,000/- 5,00,000/- Single Standard A/C Room 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- 2 Sum Insured Rs. Limit Per Policy Period (Rs.) 1,00,000/- Not A v ailable 2,00,000/- 3,00,000/- Up to 750/- 4,00,000/- Up to 1,000/- 5,00,000/- Up to 1,500/- 10,00,000/- Up to 2,000/- 15,00,000/- Up to 2,500/- 20,00,000/- Up to 3,000/- 25,00,000/- Up to 3,500/- UIN No.: SHAHLIP2121 1V042021 F AMIL Y HEAL TH OP TIMA Insurance plan 3 4 5 6 585.00 mm 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

4. 210.00 mm 1 A Super saver Plan covering the entire family under single sum insured. Loaded with extra benefits. ► A Super Saver Policy A Single Sum Insured A Extra Benefits A Coverage for entire family A Considerable saving in premium as the family is covered under one policy ► Eligibility A Any person aged between 18 years and 65 years, residing in India, can take this insurance A Beyond 65 years, It can be renewed for life time A Child above 16 days of age can be covered as part of the family . If, at the commencement of the policy , the new born child as defined in the policy clause is less than 16 days of age, the proposer can opt to cover such child also in the same policy by paying the applicable premium in full. However , the cover for such child will commence only from the 16th day after its birth and continue till the expiry date of the policy A Family: Proposer , spouse, dependent children from 16 days up to 25 years (Dependent children means children who are economically dependent on their parents) ► Policy Benefits A In-Patient Hospitalisation Benefits A) Room, Boarding, Nursing Expenses as given below; Important Note: Expenses relating to the hospitalization will be considered in proportion to the eligible room rent as stated above or actual whichever is less. B) Surgeon, Anesthetist, Medical Practitioner , Consultants & Specialist Fees C ) A n e s t h e s i a , B l o o d , O x y g e n , O p e r a t i o n T h e a t r e c h a r g e s , I C U c h a r g e s , c o s t o f P a c e m a k e r e t c E) Cost of Medicine and drugs F) Emergency ambulance charges up to a sum of Rs.750/- per Ambulance Charges: hospitalisation and overall limit of Rs.1500/- per policy period G) Up to 10% of the Basic sum insured per policy period. Available Air Ambulance Cover: for Sum Insured of Rs. 5 Lakhs and above only A Pre & Post Hospitalization — Pre-hospitalization medical expenses incurred up to 60 days are payable — Post-hospitalization medical expenses incurred up to 90 days are payable A Coverage for Modern T reatment: Expenses are subject to the limits. (For details please refer website: www .starhealth.in) A Day Care Procedures: All day care procedures covered. A Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually A Pre-Acceptance Medical Screening: All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the Company designated Centers The cost of such screening will be borne by the Company . The age for screening and the cost sharing are subject to change. ► Special Features A D o m i c i l i a r y H o s p i t a l i z a t i o n : C o v e r a g e f o r m e d i c a l t r e a t m e n t ( i n c l u d i n g A Y U S H ) f o r a p e r i o d e x c e e d i n g t h r e e d a y s , f o r a n i l l n e s s / d i s e a s e / i n j u r y , w h i c h i n t h e n o r m a l c o u r s e , w o u l d r e q u i r e c a r e a n d t r e a t m e n t a t a H o s p i t a l b u t i s a c t u a l l y t a k e n w h i l s t c o n f i n e d a t h o m e u n d e r a n y o f t h e f o l l o w i n g c i r c u m s t a n c e s ; — The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or — The patient takes treatment at home on account of non-availability of room in a hospital. However , this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy , Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, T onsillitis and Upper Respiratory T ract infection including Laryngitis and Pharingitis, Arthritis, Gout and Rheumatism. A Donor Expenses For Organ T ransplantation payable where the insured is the recipient. Maximum payable under this head is 10% of the sum insured or Rupees one lakh whichever is less, subject to availability of the sum insured and provided the claim for transplantation is payable. Donor screening expenses are not payable. A Cost of Health Check Up: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health checkup is done at network hospitals and the policy is in force. Payment under this benefit does not form part of the sum insured and will not impact the Bonus. If a claim is made by any of the insured persons, the health check up benefits will not be available under the policy . Note: Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy. A Coverage for Newborn Baby: The coverage for New Born Baby starts from the 16th day after its birth till the expiry date of the policy and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the sum insured, provided the mother is insured under the policy for a continuous period of 12 months without break. Note: 1. Intimation about the birth of the New Born Baby should be given to the company and policy has to be endorsed for this cover to commence 2. shall not apply for the New Born Baby Exclusion No.3 (Code Excl 03) 3. All other terms, conditions and exclusions shall apply for the New Born Baby A Emergency Domestic Medical Evacuation: Subject to limits mentioned in the table given below , the Company will reimburse reasonable and necessary expenses incurred towards transportation of the insured person from the hospital where the insured person is currently undergoing treatment to another hospital for further treatment provided; a. The medical condition of the Insured Person is a life threatening emergency b. Further treatment facilities are not available in the current hospital c. The Medical Evacuation is recommended by the treating Medical Practitioner d. Claim for Hospitalization is admissible under the policy Note: Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Compassionate travel: In the event of the insured person being hospitalized for a life threatening emergency at a place away from his usual place of residence as recorded in the policy , the Company will reimburse the transportation expenses by air incurred upto Rs.5,000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located, provided the claim for hospitalization is admissible under the policy . Note: This benefit is available for sum insured options of Rs.10,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Repatriation of Mortal Remains: Following an admissible claim for hospitalization under the policy , the Company shall reimburse up to Rs.5,000/- per policy period towards the cost of repatriation of mortal remains of the insured person (including the cost of embalming and cof fin charges) to the residence of the Insured as recorded in the policy . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A T reatment in Preferred Network Hospitals: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company , the Company may suggest an appropriate hospital from the network for treatment. Where the insured accepts the same and undergoes treatment in the suggested hospital, an amount calculated at 1% of Basic Sum Insured subject to a maximum of Rs. 5,000/- per policy period is payable as lump sum. Note: This benefit is available for Basic Sum Insured of Rs. 3,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact Bonus. A Shared Accommodation: If the Insured person occupies, a shared accommodation during in-patient hospitalization, then amount as per table given below will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation. Payment under this benefit does not form part of the sum insured but will impact Bonus; Note: This benefit is available for Basic Sum Insured of Rs.3,00,000/- and above only. A A YUSH T reatment: Expenses incurred on treatment under A yurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health is payable up to the limits given below; N o t e : P a y m e n t u n d e r t h i s b e n e f i t f o r m s p a r t o f t h e s u m i n s u r e d a n d w i l l i m p a c t t h e B o n u s . A Second Medical Opinion: The Insured Person is given the facility of obtaining a Medical Second Opinion from a Doctor in the Company's network of Medical Practitioners. T o utilize this benefit, all medical records should be forwarded to the mail-id : e_medicalopinion@starhealth.in. A A s s i s t e d R e p r o d u c t i o n T r e a t m e n t : T h e C o m p a n y w i l l r e i m b u r s e m e d i c a l e x p e n s e s i n c u r r e d o n A s s i s t e d R e p r o d u c t i o n T r e a t m e n t , w h e r e i n d i c a t e d , f o r s u b - f e r t i l i t y s u b j e c t t o ; 1. A waiting period of 36 months from the date of first inception of this policy with the Company for the insured person T h e m a x i m u m l i a b i l i t y o f t h e C o m p a n y f o r s u c h t r e a t m e n t s h a l l b e l i m i t e d t o R s . 1 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 5 , 0 0 , 0 0 0 / - a n d R s . 2 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 1 0 , 0 0 , 0 0 0 / - a n d a b o v e f o r e v e r y b l o c k o f 3 6 m o n t h s a n d p a y a b l e o n r e n e w a l 2 . F o r t h e p u r p o s e o f c l a i m i n g u n d e r t h i s b e n e f i t , i n - p a t i e n t t r e a t m e n t i s n o t m a n d a t o r y 3. Automatic Restoration of Basic Sum Insured, Recharge Benefit shall not be applicable for this benefit Note: T o be eligible for this benefit both husband and spouse should stay insured continuously without break under this policy for every block. This coverage is available only for sum insured options of Rs.5,00,000/- and above. This benefit covers intrauterine insemination (IUI), Intra-Cytoplasmic Sperm Injection (ICSI), In-V itro Fertilisation( IVF) and TESA / TESE (T esticular / Epididymal Sperm Aspiration / Extraction) A Additional Sum Insured for Road T raffic Accident (RT A): If the insured person meets with a Road T raf fic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs. 5,00,000/-. This benefit is payable only if the insurend person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider . The additional sum insured shall be available only once during the policy period and should be used for the particular hospitalization following R T A & cannot be carried forward. Automatic Restoration of Basic Sum Insured and Recharge Benefit shall not apply for this benefit. A Automatic Restoration of Sum Insured: There shall be automatic restoration of the Basic Sum Insured immediately upon exhaustion of the limit of coverage which has been defined during the policy period. Such Automatic Restoration is available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one. It is made clear that such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made. The unutilized restored sum insured cannot be carried forward. This benefit is not available for Modern T reatment. Note: Automatic Restoration of Basic Sum Insured is available only for sum insured options of Rs.3,00,000/- and above. A Limits for cataract surgery: Expenses incurred on treatment of Cataract is subject to the limits as per the following table; A R e c h a r g e B e n e f i t : I f t h e l i m i t o f c o v e r a g e u n d e r t h e p o l i c y i s e x h a u s t e d / e x c e e d e d d u r i n g t h e p o l i c y p e r i o d , a d d i t i o n a l i n d e m n i t y u p t o t h e l i m i t s s t a t e d i n t h e t a b l e g i v e n b e l o w w o u l d b e p r o v i d e d o n c e f o r t h e r e m a i n i n g p o l i c y p e r i o d . S u c h a d d i t i o n a l i n d e m n i t y c a n b e u t i l i z e d e v e n f o r t h e s a m e h o s p i t a l i z a t i o n o r f o r t h e t r e a t m e n t o f d i s e a s e s / i l l n e s s / i n j u r y / f o r w h i c h c l a i m w a s p a i d / p a y a b l e u n d e r t h e p o l i c y . T h e u n u t i l i z e d R e c h a r g e a m o u n t c a n n o t b e c a r r i e d f o r w a r d . T h i s b e n e f i t i s n o t a v a i l a b l e f o r M o d e r n T r e a t m e n t . A Bonus: In respect of a claim free year of Insurance, for the Basic Sum Insured options Rs.3,00,000/- and above, the insured would be entitled to benefit of bonus of 25% of the expiring Basic Sum Insured in the second year and additional 10% of the expiring Basic sum Insured for the subsequent years. The maximum allowable bonus shall not exceed 100%. The Bonus will be calculated on the expiring sum insured or on the renewed sum insured whichever is less. Bonus will be given on that part of sum insured which is continuously renewed. If the insured opts to reduce the sum insured at the subsequent renewal, the limit of indemnity by way of such Bonus shall not exceed such reduced sum insured. Bonus shall be available only upon timely renewal without break or upon renewal within the grace period allowed. In the event of a claim, such bonus so granted will be reduced at the same rate at which it has accrued. However the Basic sum insured, will not be reduced. A Co-Payment: This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above. ► Exclusions: The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 48 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F . List of specific diseases/procedures; a. T reatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT , Diseases related to Thyroid, Prolapse of Intervertebral Disc (other than caused by accident), V aricose veins and V aricose ulcers, Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula, all Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies, all types of Hernia, Benign T umours of Epididymis, S p e r m a t o c e l e , V a r i c o c e l e , H y d r o c e l e , F i s t u l a , F i s s u r e i n A n o , Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence and Congenital Internal disease / defect b) All treatments (conservative, interventional, laparoscopic and open) related to Hepatopancreato-biliary diseases including Gall bladder and Pancreatic calculi. All types of management for Kidney and Genitourinary tract calculi c) All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries(other than due to cancer), Uterine Bleeding, Pelvic Inflammatory Diseases and Benign diseases of the breast d) All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to T endon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident] e) All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo-skeletal system f) Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology g) All types of transplant and related surgeries 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5. Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity/ W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. Sum Insured Rs. Limit per hospitalization Up to 4,00,000/- Up to Rs.5,000/- 5,00,000/- to 15,00,000/- Up to Rs.7,500/- 20,00,000/- and 25,00,000/- Up to Rs.10,000/- Sum Insured Rs. Limit per day Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 800/- per day 4,00,000/- 5,00,000/- 10,00,000/- 15,00,000/- 20,00,000/- 1000/- per day 25,00,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 75,000/- 4,00,000/- 1,00,000/- 5,00,000/- 1,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per eye (in Rs.) Limit per policy period (in Rs.) 1,00,000/- Up to 12,000/- per eye, per policy period 2,00,000/- 3,00,000/- Up to 25,000/- Up to 35,000/- 4,00,000/- Up to 30,000/- Up to 45,000/- 5,00,000/- Up to 40,000/- Up to 60,000/- 10,00,000/- Up to 50,000/- Up to 75,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per policy period Rs. 1,00,000/- Up to 10,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- to 15,00,000/- Up to 15,000/- 20,00,000/- and 25,00,000/- Up to 20,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Upto 2,000/- per day 2,00,000/- 3,00,000/- Upto 5,000/- per day 4,00,000/- 5,00,000/- Single Standard A/C Room 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- 2 Sum Insured Rs. Limit Per Policy Period (Rs.) 1,00,000/- Not A v ailable 2,00,000/- 3,00,000/- Up to 750/- 4,00,000/- Up to 1,000/- 5,00,000/- Up to 1,500/- 10,00,000/- Up to 2,000/- 15,00,000/- Up to 2,500/- 20,00,000/- Up to 3,000/- 25,00,000/- Up to 3,500/- UIN No.: SHAHLIP2121 1V042021 F AMIL Y HEAL TH OP TIMA Insurance plan 3 4 5 6 585.00 mm 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

2. 210.00 mm 1 A Super saver Plan covering the entire family under single sum insured. Loaded with extra benefits. ► A Super Saver Policy A Single Sum Insured A Extra Benefits A Coverage for entire family A Considerable saving in premium as the family is covered under one policy ► Eligibility A Any person aged between 18 years and 65 years, residing in India, can take this insurance A Beyond 65 years, It can be renewed for life time A Child above 16 days of age can be covered as part of the family . If, at the commencement of the policy , the new born child as defined in the policy clause is less than 16 days of age, the proposer can opt to cover such child also in the same policy by paying the applicable premium in full. However , the cover for such child will commence only from the 16th day after its birth and continue till the expiry date of the policy A Family: Proposer , spouse, dependent children from 16 days up to 25 years (Dependent children means children who are economically dependent on their parents) ► Policy Benefits A In-Patient Hospitalisation Benefits A) Room, Boarding, Nursing Expenses as given below; Important Note: Expenses relating to the hospitalization will be considered in proportion to the eligible room rent as stated above or actual whichever is less. B) Surgeon, Anesthetist, Medical Practitioner , Consultants & Specialist Fees C ) A n e s t h e s i a , B l o o d , O x y g e n , O p e r a t i o n T h e a t r e c h a r g e s , I C U c h a r g e s , c o s t o f P a c e m a k e r e t c E) Cost of Medicine and drugs F) Emergency ambulance charges up to a sum of Rs.750/- per Ambulance Charges: hospitalisation and overall limit of Rs.1500/- per policy period G) Up to 10% of the Basic sum insured per policy period. Available Air Ambulance Cover: for Sum Insured of Rs. 5 Lakhs and above only A Pre & Post Hospitalization — Pre-hospitalization medical expenses incurred up to 60 days are payable — Post-hospitalization medical expenses incurred up to 90 days are payable A Coverage for Modern T reatment: Expenses are subject to the limits. (For details please refer website: www .starhealth.in) A Day Care Procedures: All day care procedures covered. A Instalment Facility available: Premium can be paid Monthly , Quarterly , Half-yearly . Premium can also be paid Annually A Pre-Acceptance Medical Screening: All persons above 50 years of age and those who declare adverse medical history in the proposal form are required to undergo pre-acceptance medical screening at the Company designated Centers The cost of such screening will be borne by the Company . The age for screening and the cost sharing are subject to change. ► Special Features A D o m i c i l i a r y H o s p i t a l i z a t i o n : C o v e r a g e f o r m e d i c a l t r e a t m e n t ( i n c l u d i n g A Y U S H ) f o r a p e r i o d e x c e e d i n g t h r e e d a y s , f o r a n i l l n e s s / d i s e a s e / i n j u r y , w h i c h i n t h e n o r m a l c o u r s e , w o u l d r e q u i r e c a r e a n d t r e a t m e n t a t a H o s p i t a l b u t i s a c t u a l l y t a k e n w h i l s t c o n f i n e d a t h o m e u n d e r a n y o f t h e f o l l o w i n g c i r c u m s t a n c e s ; — The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or — The patient takes treatment at home on account of non-availability of room in a hospital. However , this benefit shall not cover Asthma, Bronchitis, Chronic Nephritis and Nephritic Syndrome, Diarrhoea and all types of Dysenteries including Gastro-enteritis, Diabetes Mellitus and Insipidus, Epilepsy , Hypertension, Influenza, Cough and Cold, all Psychiatric or Psychosomatic Disorders, Pyrexia of unknown origin for less than 10 days, T onsillitis and Upper Respiratory T ract infection including Laryngitis and Pharingitis, Arthritis, Gout and Rheumatism. A Donor Expenses For Organ T ransplantation payable where the insured is the recipient. Maximum payable under this head is 10% of the sum insured or Rupees one lakh whichever is less, subject to availability of the sum insured and provided the claim for transplantation is payable. Donor screening expenses are not payable. A Cost of Health Check Up: Expenses incurred towards cost of health check-up up to the limits mentioned in the table given below for every claim free year provided the health checkup is done at network hospitals and the policy is in force. Payment under this benefit does not form part of the sum insured and will not impact the Bonus. If a claim is made by any of the insured persons, the health check up benefits will not be available under the policy . Note: Payment of expenses towards cost of health check up will not prejudice the company's right to deal with a claim in case of non disclosure of material fact and / or Pre-Existing Diseases in terms of the policy. A Coverage for Newborn Baby: The coverage for New Born Baby starts from the 16th day after its birth till the expiry date of the policy and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the sum insured, provided the mother is insured under the policy for a continuous period of 12 months without break. Note: 1. Intimation about the birth of the New Born Baby should be given to the company and policy has to be endorsed for this cover to commence 2. shall not apply for the New Born Baby Exclusion No.3 (Code Excl 03) 3. All other terms, conditions and exclusions shall apply for the New Born Baby A Emergency Domestic Medical Evacuation: Subject to limits mentioned in the table given below , the Company will reimburse reasonable and necessary expenses incurred towards transportation of the insured person from the hospital where the insured person is currently undergoing treatment to another hospital for further treatment provided; a. The medical condition of the Insured Person is a life threatening emergency b. Further treatment facilities are not available in the current hospital c. The Medical Evacuation is recommended by the treating Medical Practitioner d. Claim for Hospitalization is admissible under the policy Note: Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Compassionate travel: In the event of the insured person being hospitalized for a life threatening emergency at a place away from his usual place of residence as recorded in the policy , the Company will reimburse the transportation expenses by air incurred upto Rs.5,000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located, provided the claim for hospitalization is admissible under the policy . Note: This benefit is available for sum insured options of Rs.10,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A Repatriation of Mortal Remains: Following an admissible claim for hospitalization under the policy , the Company shall reimburse up to Rs.5,000/- per policy period towards the cost of repatriation of mortal remains of the insured person (including the cost of embalming and cof fin charges) to the residence of the Insured as recorded in the policy . Payment under this benefit does not form part of the sum insured but will impact the Bonus. A T reatment in Preferred Network Hospitals: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company , the Company may suggest an appropriate hospital from the network for treatment. Where the insured accepts the same and undergoes treatment in the suggested hospital, an amount calculated at 1% of Basic Sum Insured subject to a maximum of Rs. 5,000/- per policy period is payable as lump sum. Note: This benefit is available for Basic Sum Insured of Rs. 3,00,000/- and above only . Payment under this benefit does not form part of the sum insured but will impact Bonus. A Shared Accommodation: If the Insured person occupies, a shared accommodation during in-patient hospitalization, then amount as per table given below will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation. Payment under this benefit does not form part of the sum insured but will impact Bonus; Note: This benefit is available for Basic Sum Insured of Rs.3,00,000/- and above only. A A YUSH T reatment: Expenses incurred on treatment under A yurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health is payable up to the limits given below; N o t e : P a y m e n t u n d e r t h i s b e n e f i t f o r m s p a r t o f t h e s u m i n s u r e d a n d w i l l i m p a c t t h e B o n u s . A Second Medical Opinion: The Insured Person is given the facility of obtaining a Medical Second Opinion from a Doctor in the Company's network of Medical Practitioners. T o utilize this benefit, all medical records should be forwarded to the mail-id : e_medicalopinion@starhealth.in. A A s s i s t e d R e p r o d u c t i o n T r e a t m e n t : T h e C o m p a n y w i l l r e i m b u r s e m e d i c a l e x p e n s e s i n c u r r e d o n A s s i s t e d R e p r o d u c t i o n T r e a t m e n t , w h e r e i n d i c a t e d , f o r s u b - f e r t i l i t y s u b j e c t t o ; 1. A waiting period of 36 months from the date of first inception of this policy with the Company for the insured person T h e m a x i m u m l i a b i l i t y o f t h e C o m p a n y f o r s u c h t r e a t m e n t s h a l l b e l i m i t e d t o R s . 1 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 5 , 0 0 , 0 0 0 / - a n d R s . 2 , 0 0 , 0 0 0 / - f o r S u m I n s u r e d o f R s . 1 0 , 0 0 , 0 0 0 / - a n d a b o v e f o r e v e r y b l o c k o f 3 6 m o n t h s a n d p a y a b l e o n r e n e w a l 2 . F o r t h e p u r p o s e o f c l a i m i n g u n d e r t h i s b e n e f i t , i n - p a t i e n t t r e a t m e n t i s n o t m a n d a t o r y 3. Automatic Restoration of Basic Sum Insured, Recharge Benefit shall not be applicable for this benefit Note: T o be eligible for this benefit both husband and spouse should stay insured continuously without break under this policy for every block. This coverage is available only for sum insured options of Rs.5,00,000/- and above. This benefit covers intrauterine insemination (IUI), Intra-Cytoplasmic Sperm Injection (ICSI), In-V itro Fertilisation( IVF) and TESA / TESE (T esticular / Epididymal Sperm Aspiration / Extraction) A Additional Sum Insured for Road T raffic Accident (RT A): If the insured person meets with a Road T raf fic Accident resulting in in-patient hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs. 5,00,000/-. This benefit is payable only if the insurend person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider . The additional sum insured shall be available only once during the policy period and should be used for the particular hospitalization following R T A & cannot be carried forward. Automatic Restoration of Basic Sum Insured and Recharge Benefit shall not apply for this benefit. A Automatic Restoration of Sum Insured: There shall be automatic restoration of the Basic Sum Insured immediately upon exhaustion of the limit of coverage which has been defined during the policy period. Such Automatic Restoration is available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one. It is made clear that such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made. The unutilized restored sum insured cannot be carried forward. This benefit is not available for Modern T reatment. Note: Automatic Restoration of Basic Sum Insured is available only for sum insured options of Rs.3,00,000/- and above. A Limits for cataract surgery: Expenses incurred on treatment of Cataract is subject to the limits as per the following table; A R e c h a r g e B e n e f i t : I f t h e l i m i t o f c o v e r a g e u n d e r t h e p o l i c y i s e x h a u s t e d / e x c e e d e d d u r i n g t h e p o l i c y p e r i o d , a d d i t i o n a l i n d e m n i t y u p t o t h e l i m i t s s t a t e d i n t h e t a b l e g i v e n b e l o w w o u l d b e p r o v i d e d o n c e f o r t h e r e m a i n i n g p o l i c y p e r i o d . S u c h a d d i t i o n a l i n d e m n i t y c a n b e u t i l i z e d e v e n f o r t h e s a m e h o s p i t a l i z a t i o n o r f o r t h e t r e a t m e n t o f d i s e a s e s / i l l n e s s / i n j u r y / f o r w h i c h c l a i m w a s p a i d / p a y a b l e u n d e r t h e p o l i c y . T h e u n u t i l i z e d R e c h a r g e a m o u n t c a n n o t b e c a r r i e d f o r w a r d . T h i s b e n e f i t i s n o t a v a i l a b l e f o r M o d e r n T r e a t m e n t . A Bonus: In respect of a claim free year of Insurance, for the Basic Sum Insured options Rs.3,00,000/- and above, the insured would be entitled to benefit of bonus of 25% of the expiring Basic Sum Insured in the second year and additional 10% of the expiring Basic sum Insured for the subsequent years. The maximum allowable bonus shall not exceed 100%. The Bonus will be calculated on the expiring sum insured or on the renewed sum insured whichever is less. Bonus will be given on that part of sum insured which is continuously renewed. If the insured opts to reduce the sum insured at the subsequent renewal, the limit of indemnity by way of such Bonus shall not exceed such reduced sum insured. Bonus shall be available only upon timely renewal without break or upon renewal within the grace period allowed. In the event of a claim, such bonus so granted will be reduced at the same rate at which it has accrued. However the Basic sum insured, will not be reduced. A Co-Payment: This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above. ► Exclusions: The Company shall not be liable to make any payments under this policy in respect of any expenses what so ever incurred by the insured person in connection with or in respect of; 1. Pre-Existing Diseases - Code Excl 01 A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with insurer B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then for the same would be reduced to the extent of prior coverage D. Coverage under the policy after the expiry of 48 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer 2. Specified disease / procedure waiting period - Code Excl 02 A. Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage F . List of specific diseases/procedures; a. T reatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT , Diseases related to Thyroid, Prolapse of Intervertebral Disc (other than caused by accident), V aricose veins and V aricose ulcers, Desmoid T umor , Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula, all Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies, all types of Hernia, Benign T umours of Epididymis, S p e r m a t o c e l e , V a r i c o c e l e , H y d r o c e l e , F i s t u l a , F i s s u r e i n A n o , Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence and Congenital Internal disease / defect b) All treatments (conservative, interventional, laparoscopic and open) related to Hepatopancreato-biliary diseases including Gall bladder and Pancreatic calculi. All types of management for Kidney and Genitourinary tract calculi c) All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries(other than due to cancer), Uterine Bleeding, Pelvic Inflammatory Diseases and Benign diseases of the breast d) All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to T endon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident] e) All types of treatment for Degenerative disc and V ertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo-skeletal system f) Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal T unnel Syndrome, T rigger Finger , Lipoma , Neurofibroma, Fibroadenoma, Ganglion and similar pathology g) All types of transplant and related surgeries 3. 30-day waiting period - Code Excl 03 A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered B. This exclusion shall not, however , apply if the Insured Person has continuous coverage for more than twelve months C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently 4. Investigation & Evaluation - Code Excl 04 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded 5. Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes; 1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons 2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs 6. Obesity/ W eight Control - Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions; A. Surgery to be conducted is upon the advice of the Doctor B. The surgery/Procedure conducted should be supported by clinical protocols C. The member has to be 18 years of age or older and D. Body Mass Index (BMI); 1. greater than or equal to 40 or 2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss; a. Obesity-related cardiomyopathy b. Coronary heart disease c. Severe Sleep Apnea d. Uncontrolled T ype2 Diabetes 7. Change-of-Gender treatments - Code Excl 07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. 8. Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity , it must be certified by the attending Medical Practitioner . 9. Hazardous or Adventure sports - Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. 10. Breach of law - Code Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. Sum Insured Rs. Limit per hospitalization Up to 4,00,000/- Up to Rs.5,000/- 5,00,000/- to 15,00,000/- Up to Rs.7,500/- 20,00,000/- and 25,00,000/- Up to Rs.10,000/- Sum Insured Rs. Limit per day Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 800/- per day 4,00,000/- 5,00,000/- 10,00,000/- 15,00,000/- 20,00,000/- 1000/- per day 25,00,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Not A vailable 2,00,000/- 3,00,000/- 75,000/- 4,00,000/- 1,00,000/- 5,00,000/- 1,50,000/- 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per eye (in Rs.) Limit per policy period (in Rs.) 1,00,000/- Up to 12,000/- per eye, per policy period 2,00,000/- 3,00,000/- Up to 25,000/- Up to 35,000/- 4,00,000/- Up to 30,000/- Up to 45,000/- 5,00,000/- Up to 40,000/- Up to 60,000/- 10,00,000/- Up to 50,000/- Up to 75,000/- 15,00,000/- 20,00,000/- 25,00,000/- Sum Insured Rs. Limit per policy period Rs. 1,00,000/- Up to 10,000/- 2,00,000/- 3,00,000/- 4,00,000/- 5,00,000/- to 15,00,000/- Up to 15,000/- 20,00,000/- and 25,00,000/- Up to 20,000/- Sum Insured Rs. Limit Rs. 1,00,000/- Upto 2,000/- per day 2,00,000/- 3,00,000/- Upto 5,000/- per day 4,00,000/- 5,00,000/- Single Standard A/C Room 10,00,000/- 15,00,000/- 20,00,000/- 25,00,000/- 2 Sum Insured Rs. Limit Per Policy Period (Rs.) 1,00,000/- Not A v ailable 2,00,000/- 3,00,000/- Up to 750/- 4,00,000/- Up to 1,000/- 5,00,000/- Up to 1,500/- 10,00,000/- Up to 2,000/- 15,00,000/- Up to 2,500/- 20,00,000/- Up to 3,000/- 25,00,000/- Up to 3,500/- UIN No.: SHAHLIP2121 1V042021 F AMIL Y HEAL TH OP TIMA Insurance plan 3 4 5 6 585.00 mm 102.50 mm 102.50 mm 95.00 mm 95.00 mm 95.00 mm 95.00 mm

11. Zone 3 means Rest of India Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 1A+1C 16days-35years 5,530 6,290 7,400 9,730 1 1,475 12,950 14,340 36-45 6,065 6,890 8,055 10,565 12,460 14,050 15,550 46-50 8,590 9,720 1 1,140 14,515 17,125 19,275 21,295 51-55 10,370 1 1,805 13,335 17,325 20,665 23,160 25,505 56-60 13,295 15,080 16,905 21,895 26,050 29,195 32,145 61-65 16,830 19,040 21,220 27,420 32,575 36,500 40,180 66-70 21,020 23,735 26,335 33,970 40,300 45,155 49,700 71-75 23,450 26,455 29,300 37,760 44,780 50,170 55,215 76-80 25,715 28,995 32,070 41,305 48,955 54,850 60,365 Above 80 27,710 31,225 34,500 44,420 52,635 58,965 64,895 1A+2C 16days-35years 7,160 8,120 9,395 12,280 14,485 16,320 18,045 36-45 7,700 8,725 10,055 13,125 15,485 17,440 19,275 46-50 10,195 1 1,520 13,100 17,025 20,085 22,590 24,940 51-55 12,320 13,990 15,715 20,370 24,255 27,180 29,930 56-60 15,030 17,025 19,020 24,605 29,250 32,780 36,085 61-65 19,265 21,765 24,190 31,220 37,060 41,520 45,705 66-70 23,360 26,355 29,195 37,625 44,615 49,985 55,015 71-75 26,070 29,390 32,500 41,860 49,610 55,580 61,170 76-80 28,600 32,220 35,585 45,810 54,275 60,800 66,915 Above 80 30,825 34,715 38,305 49,285 58,375 65,395 71,965 1A+3C 16days-35years 9,720 10,985 12,520 16,280 19,210 21,605 23,865 36-45 10,735 12,125 13,760 17,870 21,080 23,705 26,170 46-50 14,295 16,1 10 18,100 23,425 27,640 31,050 34,250 51-55 17,455 19,740 21,980 28,390 33,720 37,785 41,595 56-60 21,370 24,125 26,760 34,510 40,945 45,875 50,490 61-65 27,030 30,465 33,670 43,355 51,380 57,560 63,345 66-70 30,965 34,870 38,475 49,505 58,635 65,690 72,290 71-75 34,585 38,930 42,895 55,165 65,315 73,170 80,515 76-80 37,965 42,715 47,025 60,445 71,545 80,150 88,195 Above 80 40,940 46,045 50,655 65,095 77,030 86,290 94,950 2A 16days-35years 6,125 6,960 8,135 10,665 12,580 14,185 15,700 36-45 7,235 8,205 9,490 12,400 14,630 16,475 18,220 46-50 10,365 1 1,710 13,310 17,290 20,400 22,940 25,330 51-55 12,930 14,670 16,455 21,320 25,380 28,440 31,315 56-60 16,205 18,340 20,460 26,445 31,420 35,210 38,760 Zone 3 means Rest of India Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 2A 61-65 20,060 22,660 25,165 32,465 38,530 43,170 47,515 66-70 23,530 26,545 29,400 37,885 44,925 50,335 55,395 71-75 26,260 29,600 32,730 42,150 49,955 55,970 61,595 76-80 28,295 31,880 35,215 45,335 53,715 60,175 66,225 Above 80 30,495 34,345 37,905 48,775 57,770 64,720 71,225 2A+1C 16days-35years 7,455 8,450 9,750 12,740 15,030 16,925 18,710 36-45 8,525 9,650 1 1,065 14,415 17,005 19,140 21,150 46-50 1 1,705 13,210 14,945 19,385 22,870 25,710 28,375 51-55 14,480 16,405 18,350 23,745 28,235 31,640 34,835 56-60 18,040 20,395 22,695 29,305 34,800 38,990 42,920 61-65 21,485 24,255 26,905 34,695 41,160 46,1 15 50,760 66-70 24,590 27,735 30,695 39,550 46,885 52,530 57,810 71-75 27,450 30,935 34,185 44,010 52,150 58,425 64,300 76-80 30,1 15 33,920 37,440 48,180 57,070 63,935 70,355 Above 80 32,460 36,545 40,300 51,845 61,395 68,780 75,685 2A+2C 16days-35years 9,125 10,320 1 1,795 15,355 18,1 15 20,380 22,515 36-45 10,075 1 1,385 12,955 16,840 19,865 22,345 24,670 46-50 13,400 15,1 10 17,015 22,035 25,995 29,210 32,225 51-55 16,370 18,525 20,660 26,700 31,725 35,550 39,135 56-60 20,035 22,630 25,130 32,425 38,480 43,1 10 47,455 61-65 23,880 26,940 29,830 38,435 45,575 51,060 56,195 66-70 27,345 30,820 34,055 43,850 51,960 58,215 64,065 71-75 30,530 34,385 37,945 48,830 57,840 64,795 71,305 76-80 33,505 37,720 41,580 53,480 63,320 70,940 78,060 Above 80 36,125 40,650 44,775 57,570 68,150 76,345 84,010 2A+3C 16days-35years 12,005 13,545 15,310 19,855 23,425 26,330 29,055 36-45 13,275 14,970 16,860 21,840 25,765 28,950 31,940 46-50 17,720 19,950 22,290 28,785 33,960 38,130 42,040 51-55 21,620 24,405 27,065 34,900 41,405 46,390 51,060 56-60 26,515 29,890 33,045 42,550 50,430 56,500 62,180 61-65 31,660 35,650 39,325 50,590 59,920 67,125 73,865 66-70 36,290 40,835 44,980 57,830 68,455 76,690 84,385 71-75 40,550 45,610 50,180 64,485 76,310 85,485 94,065 76-80 44,530 50,060 55,035 70,700 83,645 93,700 103,095 Above 80 48,025 53,980 59,305 76,165 90,095 100,925 1 1 1,045 A = Adult, C = Child Premium Chart (Excluding T ax) - Zone3 F AMIL Y HEAL TH OPTIMA INSURANCE PLAN UIN No.: SHAHLIP2121 1V042021 210.00 mm 297.00 mm 100.00 mm 100.00 mm 97.00 mm

9. Zone 1a means Chennai, Bangalore, Pune, Nasik, Ernakulam, T rivandrum and Rest of Gujarat. Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 1A+1C 16days-35years 6,295 7,150 8,180 10,615 12,525 14,120 15,625 36-45 6,915 7,840 8,905 1 1,545 13,620 15,350 16,975 46-50 9,835 1 1,1 10 12,335 15,940 18,810 21,155 23,365 51-55 1 1,855 13,470 15,1 15 19,025 22,670 25,405 27,975 56-60 15,230 17,250 19,200 24,105 28,665 32,120 35,360 61-65 19,315 21,825 24,135 30,250 35,920 40,245 44,295 66-70 24,160 27,250 29,990 37,535 44,520 49,875 54,890 71-75 26,960 30,390 33,380 41,755 49,500 55,450 61,025 76-80 29,580 33,320 36,545 45,695 54,145 60,660 66,750 Above 80 31,885 35,900 39,330 49,165 58,235 65,240 71,790 1A+2C 16days-35years 8,180 9,260 10,395 13,450 15,875 17,870 19,750 36-45 8,805 9,965 1 1,130 14,395 16,985 19,1 15 21,120 46-50 1 1,685 13,190 14,515 18,730 22,100 24,845 27,420 51-55 14,105 15,990 17,835 22,410 26,670 29,880 32,900 56-60 17,235 19,495 21,620 27,120 32,225 36,105 39,745 61-65 22,125 24,975 27,535 34,480 40,910 45,835 50,445 66-70 26,860 30,275 33,260 41,605 49,320 55,250 60,805 71-75 29,990 33,780 37,040 46,315 54,875 61,475 67,650 76-80 32,910 37,050 40,575 50,710 60,060 67,280 74,035 Above 80 35,480 39,930 43,680 54,575 64,625 72,390 79,660 1A+3C 16days-35years 1 1,140 12,575 13,870 17,905 21,125 23,755 26,220 36-45 12,310 13,890 15,250 19,670 23,210 26,085 28,790 46-50 16,420 18,490 20,080 25,850 30,505 34,255 37,775 51-55 20,035 22,630 25,005 31,335 37,200 41,675 45,870 56-60 24,560 27,700 30,475 38,140 45,230 50,675 55,770 61-65 31,095 35,020 38,380 47,980 56,840 63,675 70,070 66-70 35,645 40,1 10 43,880 54,820 64,915 72,720 80,015 71-75 39,825 44,795 48,935 61,1 15 72,340 81,035 89,170 76-80 43,730 49,170 53,655 66,990 79,275 88,800 97,710 Above 80 47,165 53,015 57,810 72,160 85,375 95,635 105,225 2A 16days-35years 6,985 7,925 8,990 1 1,655 13,755 15,495 17,140 36-45 8,270 9,360 10,500 13,585 16,030 18,045 19,945 46-50 1 1,885 13,410 14,750 19,025 22,450 25,240 27,855 51-55 14,810 16,780 18,685 23,470 27,915 31,280 34,435 56-60 18,595 21,020 23,265 29,165 34,640 38,810 42,720 Zone 1a means Chennai, Bangalore, Pune, Nasik, Ernakulam, T rivandrum and Rest of Gujarat. Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 2A 61-65 23,050 26,005 28,650 35,865 42,545 47,665 52,460 66-70 27,055 30,490 33,495 41,895 49,660 55,635 61,225 71-75 30,205 34,020 37,305 46,640 55,260 61,905 68,120 76-80 32,560 36,660 40,150 50,180 59,440 66,585 73,270 Above 80 35,100 39,505 43,225 54,005 63,950 71,640 78,830 2A+1C 16days-35years 8,520 9,640 10,795 13,960 16,475 18,545 20,490 36-45 9,760 1 1,030 12,250 15,825 18,680 21,010 23,205 46-50 13,430 15,145 16,570 21,355 25,200 28,315 31,240 51-55 16,600 18,785 20,850 26,160 31,095 34,840 38,355 56-60 20,710 23,390 25,825 32,350 38,395 43,020 47,350 61-65 24,695 27,850 30,640 38,345 45,475 50,945 56,065 66-70 28,280 31,865 34,975 43,745 51,840 58,075 63,910 71-75 31,580 35,560 38,965 48,710 57,700 64,640 71,130 76-80 34,660 39,010 42,690 53,345 63,170 70,765 77,870 Above 80 37,370 42,045 45,965 57,420 67,980 76,155 83,795 2A+2C 16days-35years 10,450 1 1,805 13,065 16,870 19,910 22,390 24,720 36-45 1 1,550 13,035 14,355 18,520 21,855 24,570 27,120 46-50 15,390 17,335 18,870 24,300 28,675 32,210 35,525 51-55 18,785 21,230 23,495 29,450 34,980 39,190 43,135 56-60 23,015 25,970 28,610 35,815 42,490 47,600 52,390 61-65 27,460 30,945 33,985 42,510 50,385 56,445 62,1 15 66-70 31,460 35,430 38,820 48,530 57,490 64,400 70,870 71-75 35,145 39,550 43,275 54,070 64,025 71,720 78,925 76-80 38,580 43,400 47,425 59,240 70,125 78,555 86,440 Above 80 41,600 46,785 51,080 63,790 75,495 84,570 93,055 2A+3C 16days-35years 13,780 15,530 16,975 21,875 25,815 29,005 32,000 36-45 15,245 17,175 18,700 24,085 28,420 31,920 35,205 46-50 20,380 22,925 24,735 31,810 37,540 42,135 46,440 51-55 24,850 28,020 30,825 38,575 45,745 51,245 56,400 56-60 30,500 34,355 37,660 47,085 55,785 62,495 68,770 61-65 36,445 41,010 44,850 56,030 66,340 74,315 81,775 66-70 41,795 47,000 51,315 64,080 75,835 84,950 93,475 71-75 46,715 52,510 57,265 71,485 84,575 94,740 104,240 76-80 51,305 57,655 62,820 78,395 92,730 103,875 1 14,290 Above 80 55,350 62,180 67,705 84,480 99,910 1 1 1,910 123,130 A = Adult, C = Child Premium Chart (Excluding T ax) - Zone1a F AMIL Y HEAL TH OPTIMA INSURANCE PLAN UIN No.: SHAHLIP2121 1V042021 210.00 mm 297.00 mm 100.00 mm 100.00 mm 97.00 mm

8. Zone 1 means Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda Surat Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 1A+1C 16days-35years 7,210 8,175 8,985 1 1,475 13,540 15,260 16,875 36-45 7,925 8,975 9,795 12,495 14,750 16,610 18,360 46-50 1 1,315 12,770 13,640 17,330 20,450 22,995 25,390 51-55 13,630 15,455 16,855 20,690 24,640 27,610 30,395 56-60 17,545 19,840 21,470 26,280 31,235 34,995 38,520 61-65 22,280 25,145 27,050 33,040 39,210 43,930 48,350 66-70 27,895 31,435 33,665 41,055 48,670 54,520 60,000 71-75 31,150 35,080 37,495 45,695 54,145 60,660 66,750 76-80 34,185 38,480 41,070 50,030 59,260 66,385 73,050 Above 80 36,860 41,470 44,220 53,845 63,760 71,425 78,595 1A+2C 16days-35years 9,400 10,625 1 1,465 14,595 17,225 19,385 21,415 36-45 10,125 1 1,435 12,290 15,630 18,445 20,750 22,920 46-50 13,465 15,180 16,085 20,400 24,075 27,055 29,850 51-55 16,240 18,375 19,930 24,415 29,035 32,530 35,810 56-60 19,870 22,445 24,205 29,595 35,145 39,380 43,345 61-65 25,540 28,795 30,890 37,690 44,700 50,075 55,1 15 66-70 31,030 34,945 37,355 45,530 53,950 60,435 66,505 71-75 34,660 39,010 41,630 50,710 60,060 67,280 74,035 76-80 38,050 42,805 45,620 55,540 65,765 73,670 81,065 Above 80 41,030 46,145 49,135 59,795 70,785 79,290 87,250 1A+3C 16days-35years 12,830 14,465 15,360 19,490 23,000 25,855 28,530 36-45 14,190 15,990 16,905 21,435 25,295 28,420 31,355 46-50 18,955 21,330 22,315 28,235 33,320 37,405 41,240 51-55 23,1 15 26,080 28,030 34,230 40,615 45,505 50,085 56-60 28,365 31,960 34,215 41,720 49,455 55,400 60,970 61-65 35,945 40,450 43,145 52,540 62,225 69,705 76,700 66-70 41,220 46,355 49,355 60,065 71,105 79,650 87,645 71-75 46,070 51,790 55,070 66,990 79,275 88,800 97,710 76-80 50,600 56,865 60,405 73,455 86,900 97,340 107,105 Above 80 54,585 61,325 65,100 79,140 93,610 104,860 1 15,370 2A 16days-35years 8,015 9,075 9,895 12,620 14,895 16,770 18,540 36-45 9,500 10,740 1 1,585 14,740 17,400 19,575 21,625 46-50 13,695 15,435 16,345 20,730 24,460 27,485 30,330 51-55 17,055 19,290 20,890 25,580 30,405 34,070 37,505 56-60 21,445 24,210 26,065 31,845 37,805 42,355 46,615 Zone 1 means Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda Surat Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 2A 61-65 26,610 29,995 32,145 39,215 46,500 52,095 57,330 66-70 31,255 35,200 37,620 45,850 54,325 60,860 66,975 71-75 34,915 39,295 41,930 51,065 60,485 67,755 74,560 76-80 37,645 42,350 45,145 54,965 65,080 72,905 80,220 Above 80 40,590 45,655 48,615 59,170 70,045 78,465 86,340 2A+1C 16days-35years 9,790 1 1,065 1 1,915 15,155 17,885 20,125 22,230 36-45 1 1,230 12,675 13,545 17,210 20,310 22,835 25,215 46-50 15,490 17,445 18,380 23,290 27,485 30,870 34,050 51-55 19,130 21,615 23,335 28,540 33,905 37,985 41,815 56-60 23,900 26,960 28,955 35,350 41,935 46,980 51,705 61-65 28,520 32,135 34,400 41,945 49,720 55,700 61,295 66-70 32,680 36,795 39,300 47,880 56,725 63,545 69,930 71-75 36,510 41,080 43,805 53,345 63,170 70,765 77,870 76-80 40,080 45,080 48,015 58,440 69,185 77,500 85,280 Above 80 43,225 48,600 51,715 62,925 74,480 83,430 91,800 2A+2C 16days-35years 12,030 13,575 14,460 18,355 21,660 24,355 26,880 36-45 13,305 15,000 15,905 20,175 23,805 26,755 29,520 46-50 17,760 19,990 20,960 26,530 31,305 35,155 38,765 51-55 21,665 24,455 26,325 32,160 38,175 42,770 47,075 56-60 26,570 29,950 32,105 39,160 46,435 52,025 57,255 61-65 31,730 35,725 38,175 46,520 55,120 61,750 67,950 66-70 36,370 40,925 43,645 53,145 62,935 70,500 77,580 71-75 40,640 45,705 48,675 59,240 70,125 78,555 86,440 76-80 44,625 50,170 53,365 64,925 76,835 86,070 94,705 Above 80 48,130 54,100 57,500 69,930 82,745 92,685 101,985 2A+3C 16days-35years 15,890 17,895 18,840 23,865 28,160 31,630 34,885 36-45 17,595 19,805 20,770 26,290 31,025 34,840 38,415 46-50 23,550 26,475 27,530 34,790 41,055 46,070 50,770 51-55 28,700 32,335 34,605 42,195 50,015 56,035 61,665 56-60 35,255 39,680 42,335 51,555 61,060 68,405 75,270 61-65 42,150 47,400 50,455 61,395 72,670 81,405 89,575 66-70 48,355 54,350 57,760 70,250 83,120 93,1 10 102,445 71-75 54,065 60,740 64,485 78,395 92,730 103,875 1 14,290 76-80 59,390 66,710 70,760 86,000 101,705 1 13,920 125,340 Above 80 64,080 71,960 76,280 92,690 109,600 122,765 135,070 Premium Chart (Excluding T ax) - Zone1 A = Adult, C = Child F AMIL Y HEAL TH OPTIMA INSURANCE PLAN UIN No.: SHAHLIP2121 1V042021 100.00 mm 100.00 mm 97.00 mm 210.00 mm 297.00 mm

10. Zone 2 means Coimbatore, Indore City , and Rest of Kerala. Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 1A+1C 16days-35years 6,025 6,845 7,885 10,350 12,210 13,765 15,240 36-45 6,610 7,505 8,590 1 1,250 13,270 14,960 16,550 46-50 9,390 10,620 1 1,925 15,515 18,305 20,595 22,750 51-55 1 1,330 12,880 14,505 18,525 22,075 24,745 27,245 56-60 14,545 16,480 18,430 23,455 27,895 31,260 34,420 61-65 18,435 20,840 23,180 29,425 34,940 39,150 43,095 66-70 23,045 26,000 28,805 36,500 43,285 48,495 53,375 71-75 25,715 28,995 32,070 40,595 48,120 53,910 59,335 76-80 28,210 31,785 35,1 10 44,420 52,635 58,965 64,895 Above 80 30,400 34,240 37,790 47,785 56,605 63,415 69,785 1A+2C 16days-35years 7,820 8,855 10,035 13,105 15,460 17,405 19,245 36-45 8,415 9,525 10,750 14,020 16,535 18,615 20,570 46-50 1 1,160 12,595 14,040 18,225 21,505 24,175 26,690 51-55 13,470 15,280 17,120 21,810 25,955 29,085 32,025 56-60 16,455 18,620 20,760 26,385 31,350 35,130 38,675 61-65 21,1 10 23,835 26,445 33,530 39,785 44,575 49,060 66-70 25,620 28,885 31,950 40,445 47,945 53,715 59,120 71-75 28,600 32,220 35,585 45,020 53,340 59,760 65,765 76-80 31,380 35,335 38,980 49,285 58,375 65,395 71,965 Above 80 33,825 38,080 41,970 53,040 62,805 70,360 77,425 1A+3C 16days-35years 10,635 12,010 13,415 17,425 20,555 23,120 25,525 36-45 1 1,755 13,265 14,755 19,140 22,580 25,385 28,015 46-50 15,665 17,645 19,440 25,140 29,660 33,315 36,740 51-55 19,120 21,605 24,015 30,475 36,180 40,540 44,620 56-60 23,430 26,430 29,275 37,085 43,980 49,275 54,230 61-65 29,655 33,405 36,875 46,635 55,250 61,895 68,1 15 66-70 33,985 38,250 42,160 53,280 63,090 70,675 77,775 71-75 37,965 42,715 47,025 59,390 70,300 78,750 86,660 76-80 41,685 46,880 51,560 65,095 77,030 86,290 94,950 Above 80 44,955 50,540 55,555 70,1 15 82,955 92,925 1,02,245 2A 16days-35years 6,680 7,585 8,675 1 1,360 13,400 15,100 16,705 36-45 7,905 8,950 10,140 13,235 15,610 17,580 19,430 46-50 1 1,345 12,805 14,265 18,515 21,845 24,560 27,1 10 51-55 14,140 16,030 17,940 22,840 27,170 30,445 33,520 56-60 17,750 20,070 22,340 28,370 33,695 37,755 41,560 Zone 2 means Coimbatore, Indore City , and Rest of Kerala. Family Size Age-band in years Sum Insured in Rs. 3,00,000 4,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 2A 61-65 21,990 24,815 27,515 34,875 41,370 46,355 51,020 66-70 25,805 29,090 32,175 40,730 48,280 54,090 59,530 71-75 28,805 32,455 35,840 45,335 53,715 60,175 66,225 76-80 31,045 34,965 38,575 48,775 57,770 64,720 71,225 Above 80 33,465 37,675 41,530 52,490 62,155 69,630 76,620 2A+1C 16days-35years 8,140 9,220 10,425 13,600 16,040 18,060 19,960 36-45 9,320 10,540 1 1,840 15,410 18,180 20,455 22,595 46-50 12,820 14,460 16,030 20,775 24,510 27,550 30,395 51-55 15,845 17,940 20,020 25,455 30,255 33,905 37,325 56-60 19,765 22,325 24,800 31,460 37,345 41,840 46,055 61-65 23,555 26,575 29,435 37,285 44,215 49,535 54,520 66-70 26,975 30,400 33,600 42,525 50,395 56,460 62,135 71-75 30,1 15 33,920 37,440 47,345 56,085 62,830 69,145 76-80 33,050 37,205 41,020 51,845 61,395 68,780 75,685 Above 80 35,630 40,095 44,170 55,805 66,065 74,010 81,440 2A+2C 16days-35years 9,980 1 1,280 12,630 16,425 19,375 21,795 24,065 36-45 1 1,025 12,450 13,885 18,025 21,265 23,910 26,400 46-50 14,685 16,545 18,265 23,635 27,890 31,330 34,555 51-55 17,930 20,270 22,560 28,650 34,025 38,125 41,965 56-60 21,955 24,785 27,480 34,830 41,315 46,290 50,950 61-65 26,190 29,525 32,645 41,325 48,980 54,875 60,395 66-70 30,000 33,790 37,300 47,170 55,880 62,600 68,890 71-75 33,505 37,720 41,580 52,550 62,225 69,710 76,710 76-80 36,780 41,385 45,575 57,570 68,150 76,345 84,010 Above 80 39,660 44,610 49,090 61,985 73,360 82,180 90,430 2A+3C 16days-35years 13,150 14,830 16,425 21,285 25,1 10 28,215 31,135 36-45 14,545 16,390 18,100 23,425 27,640 31,050 34,250 46-50 19,435 21,870 23,960 30,930 36,490 40,965 45,155 51-55 23,705 26,740 29,610 37,505 44,475 49,830 54,845 56-60 29,085 32,770 36,185 45,770 54,225 60,750 66,855 61-65 34,745 39,1 10 43,095 54,450 64,470 72,225 79,475 66-70 39,840 44,815 49,310 62,265 73,695 82,555 90,840 71-75 44,530 50,060 55,035 69,455 82,175 92,055 101,290 76-80 48,900 54,960 60,375 76,165 90,095 100,925 1 1 1,045 Above 80 52,750 59,270 65,070 82,070 97,065 108,730 1 19,630 Premium Chart (Excluding T ax) - Zone2 A = Adult, C = Child F AMIL Y HEAL TH OPTIMA INSURANCE PLAN UIN No.: SHAHLIP2121 1V042021 210.00 mm 100.00 mm 100.00 mm 97.00 mm 297.00 mm