At ICICI Lombard, we understand that few things compare to the peace of mind that comes with knowing you

can offer your family the best possible care if a medical emergency arises. Which is why, weve ensured our products are comprehensive in the cover they offer. Our documentation is simple and uncomplicated. And your interaction with us is always an enjoyable experience. This brochure will help you discover the many benefits of opting for Family Protect Premier with ICICI Lombard. And in doing so, put your mind at ease over the health expenses and security of your family. A single policy that provides comprehensive cover for the entire family*. The Family Protect Premier offers complete cover for you, your spouse and your children or parents. Heres how it works: Lets assume Mr. Kumar, his wife Anu and their son Kunal are covered for 2lakhs each, under a regular health policy. This means, they are paying premiums of 2 lakhs for three separate policies, adding up to 6 lakhs every year. If Kunal requires a surgery and along with posthospitalisation, the expenses amount to 2.4 lakhs, his regu! lar health policy would cover him up to 2 lakhs and Mr. Kumar would have to pay the remaining 40,000. With the Family Protect Premier from ICICI Lombard Health Insurance, a combined cover of 3 lakhs can be shared among the entire Kumar family. As a result, Mr. Kumar, Anu and Kunal are covered for 3 lakhs.
*Maximum of two adults and two children

Eligibility y Enrolment age for the eldest member proposed for insurance is from 5 years to 60 years y The proposer needs to be aged 18 years or above y Children between the ages of 3 months and 5 years will be covered under a Floater Plan only. Individual(s) proposed for insurance whose age is 46 years & above have to undergo medical tests at ICICI Lombard GIC Ltd. designated diagnostic centres

Benefits while the patient recouperates Called a Convalescence Benefit, the insured, once during the policy period, is eligible for a benefit amount of 10,000 if hospitalised for any bodily injury or illness as covered under the policy, for a period of 10 consecutive days, or more. Hospital Daily Allowance The insured will be eligible for a daily cash of 1000 per day for a max. of 7 days, in case the insured is hospitalized for any injury or illness as covered under the policy, for a minimum of 5 consecutive days Cashless facility and how it helps This Plan comes with a cashless facility. This provides you with access to a network of over 4000 hospitals without having to worry about paying cash especially in an emergency. Tax benefits You can avail of tax benefits on the premium you pay as per provisions of Section - 80D* of the Income Tax (Amendment) Act, 1961.
*Tax Benefit are subject to changes in tax laws

No sublimits# Treatment amount covered without any specific sublimits on room rent, doctors fees, investigations and medicines.
*For cataract a sublimit of 20000 per eye is applicable after 2 years of continous coverage with the company

Claiming insurance

The claims for Family Protect Premier are serviced byICICI Lombard Health Care, an in-house health claim processing and wellness management centre of ICICI Lombard GIC Ltd. In case of emergency or planned hospitalisation, all you have to do is use your Health ID card at ICICI Lombard Health Care network hospitals and avail cashless service. Call the 24-hour-toll-free number 1800-209-8888 for any assistance you may require. For treatment in noncashless hospitals, the claim form should be filled fully after discharge from the hospital and sent to an ICICI Lombard Health Care office along with following documents in original. Standard list of documents required: y Claim form duly filled & signed by the insured & doctor y Original discharge card/summary and final bill y All investigation reports in originals y All medicines /lab/ hospital bill in original y All payment receipts in original and should be stamped y Any other required documents depending upon the case Please Note: Cashless Approval is subject to preauthorization by the company.
*Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.

Policy renewal y Renewal Criteria - The policy can be renewed under the then prevailing Family Protect Premier Plan or its nearest substitute approved by IRDA in the event that the Plan has been discontinued y Renewal Premium - Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA y Maximum Entry Age The maximum entry age under this policy is 60 years y Maximum Renewal Age This policy can be renewed up to a maximum age of 70 years y Floater Benefit The Floater Benefit under this policy is available up to the age of 60 years. All the insured above the age of 60 years will be covered under an individual Plan y Grace Period - The policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the company on or before the date of expiry of the policy and in no case later than 15 days (Grace Period) from the expiry of the policy. However, the company shall not be liable for any claim for the period for which premium is not received by the company y Cumulative Bonus - An additional Sum Insured of 5% would be provided on cumulative basis on each renewal up to a maximum of 50% in case there is no claim under the policy. However, 10% of the Sum Insured will be reduced from the accumulated Additional SumInsured, in case if there is a claim under the policy y Sum Insured Enhancement Sum Insured can be enhanced only upon renewal, subject to underwriters' approval

y Inclusion / Exclusion of Insured This policy allows including or excluding a member in the Plan only at the time of renewal y Loading in case of Claims The renewal premium shall be calculated as per the age of the senior most insured member as covered under the policy. A loading may be charged on the premium in case if there is a claim in the expiring policy. The loading of premium is calculated as per the following scale :

1. In case of claim not pertaining to chronic illness

Claim Amount ( Loading )
0-25,000 Nil 25,001 - 50,000 10% 50,001 - 100,000 20% 100,001 - 200,000 50%

2.
For subsequent renewals, no loading would be applicable unless if there is a claim in the renewal policy.

3. In case of claim pertaining to chronic illness like heart diseases, cancer, brain diseases,
organ failure and cirrhosis of the liver, loading of 75% on the base premium will be applicable. If there are claims in the subsequent renewals, further loading of 75% would be applicable, subject to a maximum of 200% on the base premium. The extent of loading thus derived would be applicable for all subsequent renewals. Premium table for Two Year Plans (auto-renewal basis) Plans
Age of Senior Most Member/Sum Insured 5 years - 18 years 19 years - 35 years 36 years - 45 years 46 years - 55 years 56 years - 60 years.

A
Individual 2L 4,452 5,877 7,473 13,190 17,246 3L 4,993 6,616 8,148 14,460 18,883 4L 7,409 9,771 11,211 20,120 26,438 3L 10,436 12,919 23,842 31,218

B
2 Adults 4L 15,347 17,695 33,133 43,705

C
2 Adults + 1 3L 13,777 16,259 27,320 34,835

4.
Plans
Age of Senior Most Member/Sum Insured 5 years - 18 years 19 years - 35 years 36 years - 45 years 46 years - 55 years 56 years - 60 years.

D
2 Adults + 2 Kids 3L 17,118 19,600 30,799 38,451 4L 25,113 26,808 42,752 53,833

F
1 Adult + 1 Kid 3L 9,226 10,555 16,677 20,810 4L 13,557 14,460 23,163 29,134

F
1 Adult + 2 3L 11,900 13,141 18,878 22,842

5.

All prices are in Rupees and inclusive of service tax & education cess.

For the purpose of determination of loading on renewal policies, chronic ailments mean any condition or illness which is normally prolonged or recurrent, including but not limited to heart diseases, cancer, brain diseases, organ failure and cirrhosis of the liver.

Two Years Renewal only after 2 years which means that your family is under protection for 2 consecutive years, without any increase in premium, nor do you have to undergo renewal hassles after one year. What doesnt this policy cover y Any illness/ disease/ injury pre-existing before the inception of the policy for the first 4 years y Non-allopathic treatment, Pregnancy & Childbirth-related diseases, cosmetic aesthetic and obesity-related treatment y Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury y Medical expenses incurred during the first 30 days of inception of the policy, except those arising out of accidents. This exclusion doesnt apply for subsequent renewals without a break y Congenital disease y War, riot, strike, nuclear weapons induced hospitalisation Certain ailments are not covered in the first two years, but covered subsequently. They include: y Cataract* y Surgery on tonsils and sinuses y Benign Prostatic Hypertrophy y Arthritis, gout, rheumatism y Myomectomy, hysterectomy unless because of malignancy y Hernia, hydrocele because of malignancy y Dilatation and curettage y Joint replacements unless due to accident y Fistula in anus, piles y Stones in the urinary and biliary systems y Sinusitis and related disorders y Skin and all internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant/ adenoids and haemorrhoids y Gastric and duodenal ulcers y Dialysis required for chronicrenal failure
*After 2 years of continous coverage with the company asub-limit of `20,000 per eye is applicable

Free Health Check

A free health check* for one insured person covering tests like fasting blood sugar, ECG, routine urine analysis, ESR, blood count. A free health checkup coupon is provided on each renewal. Note: Acceptance of your proposal would be subject to receipt of complete medical reports (wherever applicable), medical underwriting and realization of full premium amount by the company.
*Valid for the policy period, for any one insured member in the family.

Statutory Warning: Prohibition of Rebates (Under Section 41 of Insurance Act 1938) No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property, in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the Insurer. Any person making default in complying with the provisions of this section shall be punishable with fine, which may extend to five hundred rupees.

Family Floater Health Insurance is a comprehensive plan that covers your family^ under a single policy with a single premium. This policy ensures your peace of mind and also offers maximum tax benefit under Section 80 D of the Income Tax (Amendment) Act, 1961*. * Tax benefits are subject to tax laws ^ A maximum of 2 adults and 2 children can be covered under a single policy

Anyone in your family can avail of this cover. It can be you, your spouse or your child. Example: The Prakash Family is covered under a traditional health insurance plan with individual policies, of which Mr. Prakash is separately covered for 2 Lakhs, his wife for 1 Lakh, their

son and daughter for 50,000 each. They have paid premium for all these four policies separately. In an unforeseen situation, wherein surgery and post hospitalisation bill of their son amounts to 1.30 Lakhs, the existing policy will cover only 80,000 from his pocket. 50,000, while Mr. Prakash will

have to bear the balance

However, with Family Floater Health Insurance plan, each member of the Prakash family can utilize the entire sum insured of 4 Lakhs. Thus in the above situation, Family Floater would have covered

the entire amount of

1.30 Lakhs of medical expenses of Mr. Prakash's son.

KEY BENEFITS Free health check-up coupon for any one insured family member. Family Floater comes with a free health check coupon for any one person in the plan, covering tests like Medical Examination, Blood Grouping and Rh Typing, Hb%, Blood Count (CBC), Fast Blood Sugar, Urine Routine, ECG . This coupon is valid for one whole year. Click here to know more

Simply use your Health ID Card at any of our 3500+ network hospitals and avail cashless service, a boon for those times when you need finance the most.

Avail tax benefit under Section 80D of the Indian Income Tax Act 1961.* * Tax benefits are subject to tax laws

Cover your family^ under one policy Options for one or two year covers available. y No health check-up up to the age of 45 years(age as on last birthday) y Avail of Cumulative Bonus. An Additional Sum Insured of 5% would be provided on cumulative basis on each renewal up to a maximum of 50% in case there is no claim under the policy. y Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in EMIs without any extra charges. ~
^

A maximum of 2 adults and 2 children can be covered under a single policy

(Conditions Apply).EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of POLICY COVERAGE The policy covers the following medical expenses : y Incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc. y Medical expenses incurred 30 days prior to hospitalisation y Medical expenses incurred 60 days post hospitalisation y Named Day Care expenses incurred on advanced technological surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, requiring less than 24 hours of hospitalisation. y Pre-existing diseases can be covered after 4 continuous years## of coverage with the Company y Secures you and your family against terrorist activities 1500. Click here to know more

y This policy also covers you for hospitalisation^^ in case of Swine Flu / H1N1 influenza^^
^^ ##

If it's not a pre-existing illness. Conditions Apply

Your Family Floater Health Plan can be renewed instantly. Read the Terms of Renewability a. The policy can be renewed under the prevailing Family Floater Health Insurance Plan or its nearest substitute approved by IRDA in the event that the plan has been discontinued. b. Renewal Premium - Premium payable on renewal and on subsequent continuation of cover are subject to change with prior approval from IRDA. c. Maximum Renewal Age - This policy can be renewed up to a maximum age of 70 years. d. Floater Benefit - The floater benefit under this policy is available up to the age of 60 years. All the insured above age of 60 years will be renewed under an individual plan. e. Grace Period - The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy and in no case later than 15 days (Grace Period) from the expiry of the Policy. However, the Company shall not be liable for any claim for the period for which premium is not received by the Company. f. Cumulative Bonus - An Additional Sum Insured of 5% would be provided on cumulative basis on each renewal up to a maximum of 50% in case there is no claim under the policy. However, 10% of the Sum Insured will be reduced from the accumulated Additional Sum Insured, in case there is a claim under the policy. g. Sum Insured Enhancement - Sum Insured can be enhanced only upon renewal, subject to underwriters' approval. h. Inclusion / Exclusion of Insured - This policy allows to include or exclude a member in the plan only at the time of renewal. i. Loading in case of Claims - The renewal premium shall be calculated as per the age of the senior most insured member as covered under the policy. A loading may be charged on the premium in case there is a claim in the expiring policy. The loading of premium is calculated as per the following scale : j. In case of claim not pertaining to chronic Illness

Claim Amount ( 0 - 25,000 25,001 - 50,000 50,001 - 100,000 100,001 - 200,000 >200,000

Loading Nil 10% 20% 50% 75%

For subsequent renewals, there will be no loading unless there is a claim in any renewal policy.

ii. In case of claim pertaining to chronic illness like heart diseases, cancer, brain diseases, organ failure and cirrhosis of the liver, loading of 75% on the base premium will be applicable. The loading will be applicable for all subsequent renewals. If there are claims in the subsequent renewals , further loading of 75% would be applicable, subject to a maximum of 200% on the base premium. The extent of loading thus derived would be applicable for all subsequent renewals. For the purpose of determination of loading on renewal policies, chronic ailments mean any condition or Illness which is normally prolonged or recurrent, including but not limited to heart diseases, cancer, brain diseases, organ failure and cirrhosis of the liver. ELIGIBILITY y The customer can buy the policy for any family^ members. y The senior most person to be insured should be between 5 to 60 years of age. y The Proposer needs to be aged above 18 years y To cover children aged between 91 days to 5 years, the policy must also cover at least 1 adult under the same policy. y Children under less than 91 days old cannot be covered. y The policy cover is renewable till the age of 70 years y Individual(s) proposed for Insurance whose age is 46 years and above have to undergo medical tests at ICICI Lombard designated diagnostic centers. y Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Children or Parents. y Floater benefit under the policy is available up to the age of 60 years. All floater policies thereafter will be renewed under individual plan up to the age of 70 years.
^

A maximum of 2 adults and 2 children can be covered under a single policy WHY BUY ONLINE y Instant policy: Digitally signed policy available 24X7 online, customer can take prints. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days. # y EMI without any extra charges y No Paperwork required

POLICY EXCLUSIONS Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals Exclusions valid for the first 2 Years Treatment of the following diseases/illness/ailments: y Cataract y Benign Prostatic Hypertrophy y Myomectomy, Hysterectomy unless because of malignancy y Hernia, Hydrocele y Fistula in Anus, Piles y Arthritis, Gout, Rheumatism y Joint replacement, unless due to accident

y Sinusitis and related disorders y Stone in the urinary and biliary systems y Dilatation & Curettage y Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids y Dialysis required for chronic renal failure y Surgery on tonsils, adenoids and sinuses y Gastric and duodenal ulcers If the Policy is renewed with us for 2 consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are Pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards. Permanent Exclusions y Any internal congenital illness. y Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment. y Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury y War, riots, strike, nuclear weapon, induced treatment.

HOW DO I CLAIM MY INSURANCE? In case of emergency or planned hospitalisation, just use your health ID card at ICICI Lombard Health Care network hospitals and avail of cashless service. Call 24-hours-toll-free number 1800 2666 for the complete assistance. For treatment in non-cashless hospitals, the claim form should be filled fully after discharge from hospital and sent to ICICI Lombard Health Care office along with following documents in original*

* Only expenses relating to hospitalisation will be reimbursed as per the policy coverage. Standard list of documents required: 1. 2. 3. 4. 5. 6. Claim form duly filled & signed by the insured & doctor. Original discharge card/ summary & final bill. All investigation reports in originals. All medicines /lab/ hospital bill in original. All payments receipts in original and should be stamped. Any other required documents depending upon the case.

FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE Premium for 1 Year plans in Rupees Plan Plan A Details Individual Plan B 2 Adults Plan C 2 Adults & 1 Kids Plan D 2 Adults & 2 Kids
3Lac

Plan E 1 Adult & 1 Kid

Plan F 1 Adult & 2 Kids

Age of senior 2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac most family member 5 - 18 yrs. 1,956 2,250 -

4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac

19 - 35 yrs. 2,644 3,046 3,965 4,570 6,854 5,139 5,920 8,899 6,312 7,270 10,943 3,472 3,999 6,019 4,329 4,985 7,516 36 - 45 yrs. 3,312 3,679 4,968 5,519 7,702 6,141 6,869 9,746 7,314 8,219 11,791 4,023 4,521 6,485 4,831 5,460 7,940 46 - 55 yrs. 5,896 6,552 9,434 10,483 14,675 10,607 11,833 16,719 11,781 13,183 18,763 6,479 7,251 10,320 7,064 7,942 11,426 56 - 60 yrs. 8,026 11,557 12,841 17,977 12,731 14,192 20,021 13,904 15,542 22,065 7,647 8,548 12,136 8,125 9,121 13,077

FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE Premium for 2 Years (auto-renewal) plans in Rupees Plan G Plan I Plan J Plan Plan H Individua 2 Adults & 1 2 Adults & 2 Details 2 Adults l Kids Kids
Age of senior most family 2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3Lac member 5 - 18 yrs. 19 - 35 yrs. 36 - 45 yrs. 3,520 4,051 -

Plan K 1 Adult & 1 Kid

Plan L 1 Adult & 2 Kids

4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac -

4,758 5,484 7,137 8,225 12,338 9,250 10,656 16,018 11,362 13,086 19,697 6,249 7,197 10,834 7,793 8,974 13,528 5,961 6,623 8,942 9,934 13,864 11,054 12,365 17,543 13,166 14,795 21,223 7,241 8,137 11,673 8,695 9,828 14,291

46 - 55 yrs. 11,203 12,448 17,925 19,917 27,882 20,154 22,483 31,766 22,384 25,048 35,650 12,311 13,777 19,608 13,421 15,090 21,709 56 - 60 yrs. 16,052 23,113 25,683 35,953 25,460 28,383 40,042 27,807 31,084 44,130 15,294 17,096 24,272 16,251 18,242 26,154

You can also Buy/Renew your Insurance through our Toll Free No. 1800 2666 NRI customers can call us on: +91-22-66723800 (Chargeable)

# EMI option is only for ICICI Bank, Citibank, HDFC Bank (up to 6 months) Credit Card customers at the discretion of the Banks.

Disclaimer: The mailer contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the policy document before concluding a sale. Corporate Address: ICICI Lombard General Insurance Company Limited ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025. Please do not reply to this email id (except to unsubscribe). To unsubscribe : Reply with the word 'unsubscribe' in the message text.

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