Health Planner designed for Mr./ Ms.

Earnings

Expenses

Savings

Earnings

Expenses

Savings

Debts

Normal Situation

When a Health emergency strikes

Estate Planning

YOUR LEGACY

40% of the people who are hospitalized either borrow money or sell assets to cover medical expenses. 16% of Indians are pushed into poverty by rising health care costs.
Source: World Health Organization

Savings, Home Ownership Retirement, Education Planning

YOUR DREAMS
Health Care, Premature Death

YOUR RISKS
Sound Financial Planning Structure

Health Expenses chart as per your Life Stage

Probable Health Expenses Unmarried Newly married Married with Married with Child/Children no children Matured Parent/s 60+ Accident Critical illness Normal illness hospitalization Routine check up Dental Maternity Vaccination for child Doctor consultation fees, tests and medicines Eye check up Health care products

Probability of health care expenses

High

Medium

Low

Not Applicable

How much of Health Insurance Coverage do I need?

Present age__________ Years left to Age 60_____________
Health Expense Cost of Critical illness in a Quality hospital By-pass Organ transplant Cancer Cost Now in ` Cost Average Cost Cost when you turn 60 (@8% inflation) in `

Suggested Health Plan

Sum Insured Range Sum Insured Chosen (A) Existing Health Cover- Sum Insured (B) Sum Insured applied for ( A B) Family members to be covered Premium inclusive of tax (C) Loyalty Benefit every year ( D ) Annual Health check up (E) Maternity Benefit ( if applicable) (F) Tax Benefits under Sec 80 D(G) Effective Cost ( C-D-E-F-G) Minimum Cover (For 3 years @ Inflation of 12%) Maximum Cover (At 60 @ inflation of 8%)

India is the Diabetic & Cardiac capital of the world. 9 crore diabetics in India by 2025 * In urban areas, 32.8% of the deaths occur because of Health ailments & 9% due to malignant tumours# 30% of people who suffer heart attack are affected before the age of 40 ** Over 8 lakh people die of Cancer every year in India. More than 7 lakh new cancer cases diagnosed in India every year.* Every 2.5 minutes, a person dies of Kidney disease in India.*
Source: * World Health Organisation **CII Health Care Sector Report # India Today Article, April 12, 2010 Inflation Factor Table
Years left At 8%

2 1.17

3 1.26 1.40 20 4.66 9.6

4 1.36 1.57 21 5.03 10.8

5 1.47 1.76 22 5.44 12.1

6 1.59 1.97 23 5.87 13.6

7 1.71 2.21 24 6.34 15.2

8 1.85 2.48 25 6.85 17.0

9 2.00 2.77 26 7.40 19.0

10 2.16 3.11 27 7.99 21.3

11 2.33 3.48 28 8.63 23.9

12 2.52 3.90 29 9.32 26.7

13 2.72 4.36 30

14 2.94 4.89 31

15 3.17 5.47 32

16 3.43 6.13 33

17 3.70 6.87 34

18 4.00 7.69 35

At 12% 1.25 Years left At 8%

19 4.32

10.06 10.87 11.74 12.68 13.69 14.79 30.0 33.6 37.6 42.1 47.1 52.8

At 12% 8.6

Prepared by____________

Contact No ____________

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