Regd.

Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N040V01 ADV/09/08-09/2045 VER 3/FEB/2010 Can your health plan pay both your hospital bills and dentists fees? Universal Health Plan Birla Sun Life Insurance Guarantees a health and wellness cover for you and your family Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms HEALTH to 56161 24 12 There is a stronger focus on health currently by all individuals across the world. More individuals are dedicated to the pursuit of healthier lifestyles and the prevention of illness and disease. This trend is prevalent across all ages. In a study, undertaken by Sun Life Financial for the Asian market, the findings related to health care for India, specifically indicate that more than 64% of the individuals are more health conscious today than they were 5 years ago. The same study indicates that the source to finance health related expense comes largely from personal savings. Therefore, keeping these needs in mind, Birla Sun Life Insurance has designed this special Health plan, for the Indian market. Health Insurance Plan fully guaranteed for 3 years Insure yourself and / or your family or your parents Decide on the amount of insurance for each individual Benefits on hospitalisation / surgery are fixed and will be paid irrespective of actual costs in addition to any other health plan you may have Universal Health Benefit helps you and your family with out-of-pocket health related

expenses example medical tests, prescription drugs, ayurvedic & homeopathy medicines. You are Guaranteed a new BSLI Universal Health Plan with the Guaranteed Insurability Health Benefit: BSLI UNIVERSAL HEALTH PLAN KEY FEATURES 3 up to age 78 for you and your spouse or for your parents up to age 23 for your dependent children no underwriting, no questions asked, guaranteed issue irrespective of the health status or past claims under an enhanced BSLI Universal

Health Plan more units for everyone with more covered surgeries no waiting period, no deductible, no excluded surgeries (world's leading second opinion provider) You can seek a second medical opinion for any life threatening or serious condition through this service. This second opinion will be provided by the world leading specialists in that condition, with the second opinion provider undertaking the facilitation of data gathering, accessing the specialist and providing the relevant feedback. You have access to a 'navigator' service which allows you to find out treatment options available in your locality / area. Health Insurance Plan with 3-year policy term Regular premium guaranteed during the 3-year policy term Insure yourself and / or your family or your parents The policy must have a Principal insured who can be yourself, your spouse or one of your parents. An additional adult can be added as a Spouse (your spouse or your other parent). Your child(ren) can also be covered in case the Principal insured is yourself or your spouse. Below are all combinations available: HEALTH INSURANCE FOR LIFE Medical Second Opinion by Mediguide Navigator Service by TTKHCS YOUR BSLI UNIVERSAL HEALTH PLAN Life Insured Principal Spouse Dependent Child* Entry Age (in years) 18 - 65 18 - 65 0 - 17 Individual Policy Self ----- ----Spouse ----- ----Parent ----- -----

Family Policy Self Spouse ----Self Spouse Children Self ----- Children Spouse ----- Children Parent Parent ----* Dependent Child must be at least 91 days old to enter this plan.2 There is a stronger focus on health currently by all individuals across the world. More individuals are dedicated to the pursuit of healthier lifestyles and the prevention of illness and disease. This trend is prevalent across all ages. In a study, undertaken by Sun Life Financial for the Asian market, the findings related to health care for India, specifically indicate that more than 64% of the individuals are more health conscious today than they were 5 years ago. The same study indicates that the source to finance health related expense comes largely from personal savings. Therefore, keeping these needs in mind, Birla Sun Life Insurance has designed this special Health plan, for the Indian market. Health Insurance Plan fully guaranteed for 3 years Insure yourself and / or your family or your parents Decide on the amount of insurance for each individual Benefits on hospitalisation / surgery are fixed and will be paid irrespective of actual costs in addition to any other health plan you may have Universal Health Benefit helps you and your family with out-of-pocket health related expenses example medical tests, prescription drugs, ayurvedic & homeopathy medicines. You are Guaranteed a new BSLI Universal Health Plan with the Guaranteed Insurability Health Benefit: BSLI UNIVERSAL HEALTH PLAN KEY FEATURES

 3 up to age 78 for you and your spouse or for your parents up to age 23 for your dependent children no underwriting, no questions asked, guaranteed issue irrespective of the health status or past claims under an enhanced BSLI Universal Health Plan more units for everyone with more covered surgeries no waiting period, no deductible, no excluded surgeries (world's leading second opinion provider) You can seek a second medical opinion for any life threatening or serious condition

through this service. This second opinion will be provided by the world leading specialists in that condition, with the second opinion provider undertaking the facilitation of data gathering, accessing the specialist and providing the relevant feedback. You have access to a 'navigator' service which allows you to find out treatment options available in your locality / area. Health Insurance Plan with 3-year policy term Regular premium guaranteed during the 3-year policy term Insure yourself and / or your family or your parents The policy must have a Principal insured who can be yourself, your spouse or one of your parents. An additional adult can be added as a Spouse (your spouse or your other parent). Your child(ren) can also be covered in case the Principal insured is yourself or your spouse. Below are all combinations available: HEALTH INSURANCE FOR LIFE Medical Second Opinion by Mediguide Navigator Service by TTKHCS YOUR BSLI UNIVERSAL HEALTH PLAN Life Insured Principal Spouse Dependent Child* Entry Age (in years) 18 - 65 18 - 65 0 - 17 Individual Policy Self ----- ----Spouse ----- ----Parent ----- ----Family Policy Self Spouse ----Self Spouse Children Self ----- Children Spouse ----- Children Parent Parent -----

* Dependent Child must be at least 91 days old to enter this plan.4 You now purchase Health Insurance Units for each life insured: 1 to 5 units on the Principal insured; 1 to 5^ units on the Spouse; and 1 to 4^ units on each Dependent Child ^ Not more than the number of units purchased on Principal insured. Each Health Insurance Unit represents a cover in case of hospital admission and is summarized in the diagram below. The total benefit payable would be the per unit benefit amount shown in the diagram multiplied by the number of Health Insurance Units for that life insured. The benefit amount is payable only when the life insured is admitted to a hospital and varies depending on the type and severity of the hospitalisation and / or surgery. We classify hospital admission as an admission for Surgical Management (to undergo a surgery) or for Medical Management (otherwise). (a) we pay a fixed benefit amount of Rs. 1,000 per day in hospital plus Rs. 1,000 per day in intensive care unit (ICU). ONE HEALTH INSURANCE UNIT In case of an admission for Medical Management: 5 In case of an admission for Surgical Management: CONDITIONS APPLY (b) if the surgery is listed in the Covered Surgeries: - we pay a fixed benefit amount based on the Grade of the Covered Surgery Rs. 1,00,000, Rs. 50,000, Rs. 25,000, Rs. 15,000 and Rs. 10,000 for Grade 1 to 5,

respectively (c) if the surgery is not listed in the Covered Surgeries: - we pay a fixed benefit amount of Rs. 2,000 per day in hospital plus Rs. 1,000 per day in ICU For (a) and (c), the hospitalisation must be for at least 24 hours and a Rs. 1,000 Deductible applies. Note that we will pay either (a) or (b) or (c) per hospital admission. This plan has a Waiting Period of 90 days meaning that during the first 90 days of the policy term, only claims due to accidental injuries will be admitted. Per Health Insurance Unit Hospital Admission For Surgical Management Medical Management Surgery Performed Benefit Amount Grade 1 - per surgery Grade 2 - per surgery (1) Rs. 50,000 Grade 3 - per surgery (1) Rs. 25,000 Grade 4 - per surgery (1) Rs. 15,000 Grade 5 - per surgery (1) Rs. 10,000 (1) Rs. 100,000 Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Surgery Performed Benefit Amount Any Other - per day in hospital + per day in ICU (2) Rs. 1,000

(2) Rs. 2,000 Notes: 1) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term 2) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term Minimum stay in hospital 24 hrs Deductible Rs. 1,000 per admission Sample Case 1 Sample Case 2 Sample Case 3 Health Insurance Units = 3 Health Insurance Units = 3 Health Insurance Units = 3 Surgical Management Surgical Management Medical Management admission admission admission Grade 2 Covered Surgery Surgery (not listed in No Surgery performed Covered Surgeries) 7 days in hospital, incl. 7 days in hospital, incl. 2 days in ICU 2 days in ICU Total Benefit = Rs. 1,50,000 Total Benefit = Rs. 45,000 Total Benefit = Rs. 24,000 3 x 50,000 for Grade 2 42,000 for 7 days in hospital 21,000 for 7 days in hospital Covered Surgery (3 x 7 x 2000) (3 x 7 x 1000) + 6,000 for 2 days in ICU + 6,000 for 2 days in ICU (3 x 2 x 1000) (3 x 2 x 1000) - 3,000 Deductible (3 x 1000) - 3,000 Deductible (3 x 1000) 4 You now purchase Health Insurance Units for each life insured:

1 to 5 units on the Principal insured; 1 to 5^ units on the Spouse; and 1 to 4^ units on each Dependent Child ^ Not more than the number of units purchased on Principal insured. Each Health Insurance Unit represents a cover in case of hospital admission and is summarized in the diagram below. The total benefit payable would be the per unit benefit amount shown in the diagram multiplied by the number of Health Insurance Units for that life insured. The benefit amount is payable only when the life insured is admitted to a hospital and varies depending on the type and severity of the hospitalisation and / or surgery. We classify hospital admission as an admission for Surgical Management (to undergo a surgery) or for Medical Management (otherwise). (a) we pay a fixed benefit amount of Rs. 1,000 per day in hospital plus Rs. 1,000 per day in intensive care unit (ICU). ONE HEALTH INSURANCE UNIT In case of an admission for Medical Management: 5 In case of an admission for Surgical Management: CONDITIONS APPLY (b) if the surgery is listed in the Covered Surgeries: - we pay a fixed benefit amount based on the Grade of the Covered Surgery Rs. 1,00,000, Rs. 50,000, Rs. 25,000, Rs. 15,000 and Rs. 10,000 for Grade 1 to 5, respectively (c) if the surgery is not listed in the Covered Surgeries:

- we pay a fixed benefit amount of Rs. 2,000 per day in hospital plus Rs. 1,000 per day in ICU For (a) and (c), the hospitalisation must be for at least 24 hours and a Rs. 1,000 Deductible applies. Note that we will pay either (a) or (b) or (c) per hospital admission. This plan has a Waiting Period of 90 days meaning that during the first 90 days of the policy term, only claims due to accidental injuries will be admitted. Per Health Insurance Unit Hospital Admission For Surgical Management Medical Management Surgery Performed Benefit Amount Grade 1 - per surgery Grade 2 - per surgery (1) Rs. 50,000 Grade 3 - per surgery (1) Rs. 25,000 Grade 4 - per surgery (1) Rs. 15,000 Grade 5 - per surgery (1) Rs. 10,000 (1) Rs. 100,000 Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Surgery Performed Benefit Amount Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Notes:

1) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term 2) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term Minimum stay in hospital 24 hrs Deductible Rs. 1,000 per admission Sample Case 1 Sample Case 2 Sample Case 3 Health Insurance Units = 3 Health Insurance Units = 3 Health Insurance Units = 3 Surgical Management Surgical Management Medical Management admission admission admission Grade 2 Covered Surgery Surgery (not listed in No Surgery performed Covered Surgeries) 7 days in hospital, incl. 7 days in hospital, incl. 2 days in ICU 2 days in ICU Total Benefit = Rs. 1,50,000 Total Benefit = Rs. 45,000 Total Benefit = Rs. 24,000 3 x 50,000 for Grade 2 42,000 for 7 days in hospital 21,000 for 7 days in hospital Covered Surgery (3 x 7 x 2000) (3 x 7 x 1000) + 6,000 for 2 days in ICU + 6,000 for 2 days in ICU (3 x 2 x 1000) (3 x 2 x 1000) - 3,000 Deductible (3 x 1000) - 3,000 Deductible (3 x 1000) This plan has a list of Excluded Surgeries meaning that during the policy term any hospital admission to undergo one of the excluded surgeries cannot be claimed against Health Insurance Units. This plan has a maximum limit on benefits we will pay within one policy year and during

the policy term. These limits, for each Health Insurance Unit, are: Surgical Management to undergo Covered Surgeries Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term PLUS Surgical Management to undergo any other surgery and / or Medical Management Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term The Universal Health Benefit is in addition to the benefit amount payable under each Health Insurance Benefit. This unique benefit helps you and your family with out-ofpocket health related expenses. Health & Medical related expenses incurred during the policy term and which are not otherwise covered under this plan will be reimbursed at the end of the policy term. The total we will reimburse is capped at the 'standard annual premium' for the Principal insured. Health & Medical related expenses include costs of medical tests, prescription drugs, medicines (ayurvedic / homeopathy included), consultation fee for physician / surgeon, dental / ophthalmic / orthopedic treatments and any surgical procedures (including the Excluded Surgeries) otherwise not covered under this plan. Health & Medical related expenses incurred by Spouse and each Dependent Child insured under the policy can also be claimed. Please make sure to keep your bills in a safe place to be submitted for reimbursement at the end of the 3-year policy term. Deductible of Rs. 100 applies per Universal Health Benefit claim. The Guaranteed Insurability Health Benefit applies to everyone under the plan and guarantees that everyone can remain insured for a very long time (up to age 80 for the Principal & Spouse and up to age 25 for Dependent Child). When your policy expires at the end of its 3-year policy term, you will have the option to purchase a new 3-year BSLI Universal Health Plan covering the same insured lives each for their same number of Health Insurance Units.

Furthermore, this option to purchase a new BSLI Universal Health Plan every 3-years is available to you: Until age 78 of the Principal insured and Spouse and until age 23 of the Dependent Child; with UNIVERSAL HEALTH BENEFIT GUARANTEED INSURABILITY HEALTH BENEFIT 6 7This plan has a list of Excluded Surgeries meaning that during the policy term any hospital admission to undergo one of the excluded surgeries cannot be claimed against Health Insurance Units. This plan has a maximum limit on benefits we will pay within one policy year and during the policy term. These limits, for each Health Insurance Unit, are: Surgical Management to undergo Covered Surgeries Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term PLUS Surgical Management to undergo any other surgery and / or Medical Management Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term The Universal Health Benefit is in addition to the benefit amount payable under each Health Insurance Benefit. This unique benefit helps you and your family with out-ofpocket health related expenses. Health & Medical related expenses incurred during the policy term and which are not otherwise covered under this plan will be reimbursed at the end of the policy term. The total we will reimburse is capped at the 'standard annual premium' for the Principal insured. Health & Medical related expenses include costs of medical tests, prescription drugs, medicines (ayurvedic / homeopathy included), consultation fee for physician /

surgeon, dental / ophthalmic / orthopedic treatments and any surgical procedures (including the Excluded Surgeries) otherwise not covered under this plan. Health & Medical related expenses incurred by Spouse and each Dependent Child insured under the policy can also be claimed. Please make sure to keep your bills in a safe place to be submitted for reimbursement at the end of the 3-year policy term. Deductible of Rs. 100 applies per Universal Health Benefit claim. The Guaranteed Insurability Health Benefit applies to everyone under the plan and guarantees that everyone can remain insured for a very long time (up to age 80 for the Principal & Spouse and up to age 25 for Dependent Child). When your policy expires at the end of its 3-year policy term, you will have the option to purchase a new 3-year BSLI Universal Health Plan covering the same insured lives each for their same number of Health Insurance Units. Furthermore, this option to purchase a new BSLI Universal Health Plan every 3-years is available to you: Until age 78 of the Principal insured and Spouse and until age 23 of the Dependent Child; with UNIVERSAL HEALTH BENEFIT GUARANTEED INSURABILITY HEALTH BENEFIT 6 78

 No underwriting, no questions asked, guaranteed issuance of the new plan irrespective of the then current health status of lives insured or past claims paid by us PLUS The number of Health Insurance Units for each life insured is automatically increased by 20% of initial Health Insurance Units (example 3.0 units becomes 3.6 units) Waiting Period of 90 days is waived Deductible of Rs. 1,000 is waived All Excluded Surgeries are covered Total of 101 Covered Surgeries PLUS Any Universal Health Benefit not claimed at the end of the 3-year policy term will be carried forward to your new BSLI Universal Health Plan; and Should any portion of this carried forward amount still remain unclaimed for another 3-years, then the Universal Health Benefit will be increased by 20% of this still unclaimed carried forward amount as a no-claim bonus The Spousal Continuation Health Benefit ensures that the Spouse under the plan can remain insured irrespective of the status of the Principal insured. Should the Principal die, the Spouse will automatically become the Principal insured and the policy will continue uninterrupted.

Similarly, if the Guaranteed Insurability Health Benefit can be exercised for the Spouse but not for the Principal (now aged beyond 78), then the Spouse can exercise the Guaranteed Insurability Health Benefit alone and become the Principal insured on the new BSLI Universal Health Plan. Case Principal insured is a gentleman aged 42 who purchased 3 Health Insurance Units. The sample case assumes the Guaranteed Insurability Health Benefit is exercised twice (at age 45 and again at age 48) for a total of 9 years of insurance. Note that this person can exercise the Guaranteed Insurability Health Benefit 12 times (age 45, 48, 51, 78) for a total of 39 years (3 + 12 x 3) till age 80! Every time the Guaranteed Insurability Health Benefit is exercised, the number of Health Insurance Units is automatically increased by 0.6 units (20% of the initial 3 units) irrespective of the current health status of the Principal insured or past claims. TABLE A shows the annual premium together with the benefit amounts payable on hospital admissions. SPOUSAL CONTINUATION HEALTH BENEFIT COMPLETE SAMPLE CASE 9 Surgical Management Medical Management Covered Surgery per Surgery Any Other Surgery Medical Care per day in per day in Male Annual Health Age Premium Ins. Unit Grade 1 Grade 2 Grade 3 Grade 4 Grade 5 Hospital ICU Hospital ICU 42 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 43 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 44 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 45 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 46 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600

47 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 48 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 49 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 50 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 TABLE A (in Rupees) TABLE B (in Rupees) Universal Health Benefit (end of year) Annual Health Unclaimed No-Claim Increase Total Age Premium Ins. Unit Benefit Bonus Benefit Benefit 42 13,734 3.0 - - - 43 13,734 3.0 - - - 44 13,734 3.0 - - 13,734 13,734 45 16,668 3.6 13,734 - - 13,734 46 16,668 3.6 13,734 - - 13,734 47 16,668 3.6 13,734 2,747 16,668 33,149 48 21,214 4.2 33,149 - - 33,149 49 21,214 4.2 33,149 - - 33,149 50 21,214 4.2 33,149 6,630 21,214 60,993 TABLE B shows the total Universal Health Benefit, the carry-forward of unclaimed amounts and the no-claims bonuses. The sample case assumes no UHB claims were ever submitted. After 9 years, the unclaimed amount stands at Rs. 60,993 which can be used to cover bills against Health & Medical related expenses.

The Universal Health Benefit carryforward feature is important to allow individuals to avail of the unclaimed Universal Health Benefit on a later date when out-of-pocket health / medical expenses are expected to increase as one gets older. *Deductible of Rs. 3,000 (3 units x 1000) applies.8 No underwriting, no questions asked, guaranteed issuance of the new plan irrespective of the then current health status of lives insured or past claims paid by us PLUS The number of Health Insurance Units for each life insured is automatically increased by 20% of initial Health Insurance Units (example 3.0 units becomes 3.6 units) Waiting Period of 90 days is waived Deductible of Rs. 1,000 is waived All Excluded Surgeries are covered Total of 101 Covered Surgeries

PLUS Any Universal Health Benefit not claimed at the end of the 3-year policy term will be carried forward to your new BSLI Universal Health Plan; and Should any portion of this carried forward amount still remain unclaimed for another 3-years, then the Universal Health Benefit will be increased by 20% of this still unclaimed carried forward amount as a no-claim bonus The Spousal Continuation Health Benefit ensures that the Spouse under the plan can remain insured irrespective of the status of the Principal insured. Should the Principal die, the Spouse will automatically become the Principal insured and the policy will continue uninterrupted. Similarly, if the Guaranteed Insurability Health Benefit can be exercised for the Spouse but not for the Principal (now aged beyond 78), then the Spouse can exercise the Guaranteed Insurability Health Benefit alone and become the Principal insured on the new BSLI Universal Health Plan. Case Principal insured is a gentleman aged 42 who purchased 3 Health Insurance Units. The sample case assumes the Guaranteed Insurability Health Benefit is exercised twice (at age 45 and again at age 48) for a total of 9 years of insurance. Note that this person can exercise the Guaranteed Insurability Health Benefit 12 times (age 45, 48, 51, 78) for a total of 39 years (3 + 12 x 3) till age 80! Every time the Guaranteed Insurability Health Benefit is exercised, the number of Health Insurance Units is automatically increased by 0.6 units (20% of the initial 3 units) irrespective of the current health status of the Principal insured or past claims. TABLE A shows the annual premium together with the benefit amounts payable on hospital admissions. SPOUSAL CONTINUATION HEALTH BENEFIT COMPLETE SAMPLE CASE

9 Surgical Management Medical Management Covered Surgery per Surgery Any Other Surgery Medical Care per day in per day in Male Annual Health Age Premium Ins. Unit Grade 1 Grade 2 Grade 3 Grade 4 Grade 5 Hospital ICU Hospital ICU 42 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 43 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 44 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 45 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 46 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 47 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 48 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 49 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 50 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 TABLE A (in Rupees) TABLE B (in Rupees) Universal Health Benefit (end of year) Annual Health Unclaimed No-Claim Increase Total Age Premium Ins. Unit Benefit Bonus Benefit Benefit 42 13,734 3.0 - - - 43 13,734 3.0 - - - 44 13,734 3.0 - - 13,734 13,734 45 16,668 3.6 13,734 - - 13,734 46 16,668 3.6 13,734 - - 13,734 47 16,668 3.6 13,734 2,747 16,668 33,149 48 21,214 4.2 33,149 - - 33,149

49 21,214 4.2 33,149 - - 33,149 50 21,214 4.2 33,149 6,630 21,214 60,993 TABLE B shows the total Universal Health Benefit, the carry-forward of unclaimed amounts and the no-claims bonuses. The sample case assumes no UHB claims were ever submitted. After 9 years, the unclaimed amount stands at Rs. 60,993 which can be used to cover bills against Health & Medical related expenses. The Universal Health Benefit carryforward feature is important to allow individuals to avail of the unclaimed Universal Health Benefit on a later date when out-of-pocket health / medical expenses are expected to increase as one gets older. *Deductible of Rs. 3,000 (3 units x 1000) applies.10 OTHER BENEFITS Can Spouse and / or Dependent Child be added? Yes Can Health Insurance Units be added / deleted? Yes Can a claim be submitted for multiple surgeries? Yes Can a claim be submitted even if covered by another plan? Yes

 How is the claim settled? Cashless Facility on a policy anniversary. You have the option to add a new family member (Spouse and / or Dependent Child) on a policy anniversary. We however need evidence of insurability satisfactory to us for each added family member. but only when the Guaranteed Insurability Health Benefit is exercised. When the new BSLI Universal Health Plan is issued, you can decide to reduce the number of Health Insurance Units for any life insured. You can also decide to increase the number of Health Insurance Units for any life insured, subject to providing evidence of insurability satisfactory to us for that life insured. Note that the Guaranteed Insurability Health Benefit will automatically increase the number of Health Insurance Units for each life insured by 20% of the initial units without any underwriting by us. we will pay the benefit amount for each Covered Surgery. Even if multiple Covered Surgeries are performed during the same hospital admission, we will pay the benefit amount for each Covered Surgery as per the Grade of the surgery undergone. Note however, that if two or more procedures have the same point of entry, then only 50% of the benefit amount will be paid for all surgeries except for the most expensive, covered at 100%. Even if the same Covered Surgery is subsequently performed on the same life insured, we will pay the benefit amount for that Covered Surgery again. The only restriction is the maximum benefit amount we pay in a policy year and policy term for Covered Surgeries. Note also that you cannot claim for Covered Surgery and for any other surgery (not listed in the Covered Surgeries) during the same hospital admission. we will pay irrespective of other plans you may have.

The benefit amount payable per hospital admission is payable irrespective of the actual medical expenses incurred and whether or not they are reimbursed by another plan you may have. We require only the photocopies or duplicates of bills duly attested by the treating doctor and certificates enabling you to retain the originals if required by other insurers. in more than 4000 network hospitals. 1110 OTHER BENEFITS Can Spouse and / or Dependent Child be added? Yes Can Health Insurance Units be added / deleted? Yes Can a claim be submitted for multiple surgeries? Yes Can a claim be submitted even if covered by another plan? Yes How is the claim settled? Cashless Facility on a policy anniversary. You have the option to add a new family member (Spouse and / or Dependent Child) on a policy anniversary. We however need evidence of insurability satisfactory to us for each added family member. but only when the Guaranteed Insurability Health Benefit is exercised. When the new BSLI Universal Health Plan is issued, you can decide to reduce the number of Health Insurance Units for any life insured. You can also decide to increase the number of Health Insurance Units for any life insured, subject to providing evidence of insurability satisfactory to us for that life

insured. Note that the Guaranteed Insurability Health Benefit will automatically increase the number of Health Insurance Units for each life insured by 20% of the initial units without any underwriting by us. we will pay the benefit amount for each Covered Surgery. Even if multiple Covered Surgeries are performed during the same hospital admission, we will pay the benefit amount for each Covered Surgery as per the Grade of the surgery undergone. Note however, that if two or more procedures have the same point of entry, then only 50% of the benefit amount will be paid for all surgeries except for the most expensive, covered at 100%. Even if the same Covered Surgery is subsequently performed on the same life insured, we will pay the benefit amount for that Covered Surgery again. The only restriction is the maximum benefit amount we pay in a policy year and policy term for Covered Surgeries. Note also that you cannot claim for Covered Surgery and for any other surgery (not listed in the Covered Surgeries) during the same hospital admission. we will pay irrespective of other plans you may have. The benefit amount payable per hospital admission is payable irrespective of the actual medical expenses incurred and whether or not they are reimbursed by another plan you may have. We require only the photocopies or duplicates of bills duly attested by the treating doctor and certificates enabling you to retain the originals if required by other insurers. in more than 4000 network hospitals. 11You can avail of our cashless facility arrangement with over 4000 network hospitals across India. We will confirm the cashless facility to you / hospital within 3 hours after we receive the pre-authorisation form from the hospital and approve the same. We will pay the hospital directly for bills not exceeding the benefit amount payable under your policy. Any shortfall will need to be paid by you. We will send you a cheque

for any excess benefit amount payable under your policy over the amount we paid directly to the hospital. Alternatively, you can pay all hospitalisation bills directly and submit the claims documents post discharge. Once we approve of the claim, a cheque will be sent to you for the benefit amount payable under your policy. For treatment in non-network hospitals, you will need to settle the bills directly and submit the claims documents post discharge. you can submit your bills for reimbursement against any carried forward Universal Health Benefit still unclaimed on a quarterly basis. The minimum amount for reimbursement is Rs. 2,500 and a Deductible of Rs. 100 applies per Universal Health Benefit claim. you must submit bills for Medical & Health related expenses for reimbursement. The only exception is in case the Principal insured (or covered Spouse / Dependent Child) suffers a terminal illness or condition. In such a case, any unclaimed Universal Health Benefit will be immediately payable without the submission of bills. This is to ensure you are not burdened with medical expenses in times of crisis. The unclaimed amount is paid once we receive evidence satisfactory to us that the life insured is suffering from a terminal illness or condition resulting in life expectancy of one year or less. The Guaranteed Insurability Health Benefit can only be exercised if the Principal and / or Spouse is 78 years of age or younger. If the Principal cannot exercise the benefit (beyond age 78) but the Spouse can, then the new plan will be issued only on the Spouse as the Principal insured (using the Spousal Continuation Health Benefit). If the Principal can exercise the benefit but not the Spouse, then the new plan will be issued on the Principal insured only. If both Principal and Spouse cannot exercise the Guaranteed Insurability Health Benefit (both are beyond age 78) then no further plan can be issued. However, if there is still an unclaimed Universal Health Benefit amount

at that time, we will continue to accept bills for reimbursement as long as there is an unclaimed amount of at least Rs. 2,500. Any Dependent Child over the age of 23 when the Guaranteed Insurability Health Benefit is exercised will not participate in the new BSLI Universal Health Plan. When can I send bills against the unclaimed UHB? Quarterly Can the unclaimed UHB be encashed without bills? No What happens when the GIHB cannot be exercised? 12 PREMIUM PAYABLE Sample (in Rupees) standard annual premium table Sample (in Rupees) standard annual premium table (new BSLI Universal Health Plan) OTHER INFORMATION Grace Period Premium is guaranteed and payable throughout the policy term. Your advisor will calculate the premium applicable to your policy or please use our premium calculator at www.birlasunlife.com Your premium can be paid annually, half-yearly, quarterly or monthly, subject to our then current administrative rules. The premium due will equal the annual premium (plus any non-standard extras) multiplied by: 1.000 if paid annually; 0.520 if paid half-yearly; 0.265 if paid quarterly; or 0.090 if paid monthly.

Service Tax & Education Cess and any other applicable taxes will be added to your premium and levied as per the extant tax laws. To help you understand the premium payable under the new BSLI Universal Health Plan once you exercise the Guaranteed Health Insurability Benefit, sample standard annual premium table is provided below. The standard annual premium table is not guaranteed and can be increased or decreased by us subject to IRDA approval. If you are unable to pay the premium by the due date, you will be given a grace period of 30 days during which time all insurance under your policy will continue. If you do not pay your premium within the grace period, then your policy will be deemed lapsed and Additional Life Issue Male Principal Insured Female Principal Insured Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 28 3,417 5,602 7,788 9,972 12,155 2,696 4,160 5,625 7,088 8,550 1,446 1,006 38 4,098 6,964 9,831 12,700 15,565 4,379 7,528 10,674 13,824 16,970 1,865 2,036 48 5,971 10,716 15,459 20,204 24,950 6,298 11,368 16,437 21,508 26,575 3,021 3,216 58 9,410 17,602 25,794 33,988 42,180 8,362 15,504 22,644 29,788 36,930 5,175 4,514 For each Dependent Child (aged less than 18) 1,070 Additional Life Male Principal Insured Female Principal Insured Issue Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female

25 4,756 6,734 8,712 10,692 13,385 4,028 5,278 6,528 7,780 9,745 1,307 876 35 5,123 7,470 9,816 12,164 15,225 4,988 7,198 9,408 11,620 14,545 1,526 1,441 45 6,725 10,674 15,342 19,796 24,345 7,287 11,798 17,028 22,044 27,155 2,476 2,812 55 9,724 16,060 21,798 27,796 34,565 9,224 15,058 20,292 25,788 32,055 4,145 3,845 For each Dependent Child (aged less than 18) 1,053 13You can avail of our cashless facility arrangement with over 4000 network hospitals across India. We will confirm the cashless facility to you / hospital within 3 hours after we receive the pre-authorisation form from the hospital and approve the same. We will pay the hospital directly for bills not exceeding the benefit amount payable under your policy. Any shortfall will need to be paid by you. We will send you a cheque for any excess benefit amount payable under your policy over the amount we paid directly to the hospital. Alternatively, you can pay all hospitalisation bills directly and submit the claims documents post discharge. Once we approve of the claim, a cheque will be sent to you for the benefit amount payable under your policy. For treatment in non-network hospitals, you will need to settle the bills directly and submit the claims documents post discharge. you can submit your bills for reimbursement against any carried forward Universal Health Benefit still unclaimed on a quarterly basis. The minimum amount for reimbursement is Rs. 2,500 and a Deductible of Rs. 100 applies per Universal Health Benefit claim. you must submit bills for Medical & Health related expenses for reimbursement. The only exception is in case the Principal insured (or covered Spouse / Dependent Child) suffers a terminal illness or condition. In such a case, any unclaimed Universal Health Benefit will be immediately payable without the submission of bills. This is to ensure you are not burdened with medical expenses in times of crisis. The unclaimed amount is paid once we receive evidence satisfactory to us that the life

insured is suffering from a terminal illness or condition resulting in life expectancy of one year or less. The Guaranteed Insurability Health Benefit can only be exercised if the Principal and / or Spouse is 78 years of age or younger. If the Principal cannot exercise the benefit (beyond age 78) but the Spouse can, then the new plan will be issued only on the Spouse as the Principal insured (using the Spousal Continuation Health Benefit). If the Principal can exercise the benefit but not the Spouse, then the new plan will be issued on the Principal insured only. If both Principal and Spouse cannot exercise the Guaranteed Insurability Health Benefit (both are beyond age 78) then no further plan can be issued. However, if there is still an unclaimed Universal Health Benefit amount at that time, we will continue to accept bills for reimbursement as long as there is an unclaimed amount of at least Rs. 2,500. Any Dependent Child over the age of 23 when the Guaranteed Insurability Health Benefit is exercised will not participate in the new BSLI Universal Health Plan. When can I send bills against the unclaimed UHB? Quarterly Can the unclaimed UHB be encashed without bills? No What happens when the GIHB cannot be exercised? 12 PREMIUM PAYABLE Sample (in Rupees) standard annual premium table Sample (in Rupees) standard annual premium table (new BSLI Universal Health Plan) OTHER INFORMATION Grace Period Premium is guaranteed and payable throughout the policy term. Your advisor will

calculate the premium applicable to your policy or please use our premium calculator at www.birlasunlife.com Your premium can be paid annually, half-yearly, quarterly or monthly, subject to our then current administrative rules. The premium due will equal the annual premium (plus any non-standard extras) multiplied by: 1.000 if paid annually; 0.520 if paid half-yearly; 0.265 if paid quarterly; or 0.090 if paid monthly. Service Tax & Education Cess and any other applicable taxes will be added to your premium and levied as per the extant tax laws. To help you understand the premium payable under the new BSLI Universal Health Plan once you exercise the Guaranteed Health Insurability Benefit, sample standard annual premium table is provided below. The standard annual premium table is not guaranteed and can be increased or decreased by us subject to IRDA approval. If you are unable to pay the premium by the due date, you will be given a grace period of 30 days during which time all insurance under your policy will continue. If you do not pay your premium within the grace period, then your policy will be deemed lapsed and Additional Life Issue Male Principal Insured Female Principal Insured Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female

28 3,417 5,602 7,788 9,972 12,155 2,696 4,160 5,625 7,088 8,550 1,446 1,006 38 4,098 6,964 9,831 12,700 15,565 4,379 7,528 10,674 13,824 16,970 1,865 2,036 48 5,971 10,716 15,459 20,204 24,950 6,298 11,368 16,437 21,508 26,575 3,021 3,216 58 9,410 17,602 25,794 33,988 42,180 8,362 15,504 22,644 29,788 36,930 5,175 4,514 For each Dependent Child (aged less than 18) 1,070 Additional Life Male Principal Insured Female Principal Insured Issue Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 25 4,756 6,734 8,712 10,692 13,385 4,028 5,278 6,528 7,780 9,745 1,307 876 35 5,123 7,470 9,816 12,164 15,225 4,988 7,198 9,408 11,620 14,545 1,526 1,441 45 6,725 10,674 15,342 19,796 24,345 7,287 11,798 17,028 22,044 27,155 2,476 2,812 55 9,724 16,060 21,798 27,796 34,565 9,224 15,058 20,292 25,788 32,055 4,145 3,845 For each Dependent Child (aged less than 18) 1,053 13all insurance therein will cease immediately. You will then have 150 days to reinstate your policy by (a) providing evidence of insurability satisfactory to us on all lives to be reinstated and (b) paying all premiums in arrear plus interest. The premium paid by you up to Rs. 15,000 (Rs. 20,000 for senior citizens) per annum to insure yourself and / or your family, is eligible for tax benefit under Section 80D of the Income Tax Act, 1961, which is subject to amendments from time to time. Note that as per the current provisions of the Income Tax Act, 1961, you can avail additional tax benefit on the premium paid by you to insure your parent(s). This plan has no death or maturity benefit. Furthermore, this plan provides for no cash surrender value nor any policy loans. The 'standard annual premium' table and all terms & conditions are guaranteed throughout the policy term.

We reserve the right to change the 'standard annual premium' table and / or terms & conditions applicable to any new BSLI Universal Health Plan, subject to IRDA prior approval. This right also applies to any new BSLI Universal Health Plan resulting from exercising the Guaranteed Insurability Health Benefit. We reserve the right to increase or decrease the 20% no-claim bonus applicable to the Universal Health Benefit in the future, subject to IRDA prior approval. Tax Benefit Death / Maturity Benefits Contract Guarantees 14 LIST OF COVERED SURGERIES Grade 1 Surgeries 1 Block dissection of thoracic structures for cancers 2 Coronary angioplasty with stenting 3 Coronary artery bypass graft surgery 4 Cranioplasty 5 Craniotomy for excision of malignant brain tumours 6 Major organ transplantation including bone marrow transplant (kidney, lung, heart, heart-lung, liver) 7 Major reconstructive oro-maxillafacial surgery for trauma (not for cosmetic purposes) 8 Repair of cerebral or spinal arterio-venous malformations/cerebral aneurysms 9 Skin grafting treatment for third degree burns of more than 20% of BSA for second degree burns of more than 30% of BSA (25% of BSA for children less than 12 years of age) 10 Abdominoperineal resection 11 Craniotomy for benign cranial tumours / cysts 12 Excision of benign or malignant spinal cord tumours 13 Excision of malignant bone tumours with or without primary reconstruction

14 Gastroduodenostomy 15 Heart valve replacement using prosthesis via open heart surgery 16 Hemi / partial hepatectomy 17 Hemi / total colectomy 18 Major surgery of the aorta with graft 19 Major surgery of the pulmonary artery 20 Major surgical treatment for oropharangeal malignancy with radical neck dissection 21 Oesophagectomy / Oesophagogastrectomy 22 Partial / total pancreatectomy 23 Permanent pacemaker implantation 24 Radical / modified radical mastectomy with axilla clearance 25 Radical prostatectomy 26 Radical thyroidectomy # 27 Total hip replacement # 28 Total knee replacement 29 Trans sphenoidal surgery for intracranial lesions 30 Wertheim's operation (radical hysterectomy) 31 Whipples operation Grade 3 Surgeries 32 Anterior cruciate ligament reconstruction (arthroscopic / open) 33 Anterolateral decompresion and spinal fusion 34 Bypass procedure for inoperable cancer of pancreas 35 Craniotomy for traumatic fracture of skull with intracranial haematoma evacuation ^ 36 Disc prolapse surgery Diskectomy with laminectomy

37 Excision of benign mediastinal lesion with ascertained evidence of thoracotomy ^ 38 Hernioplasty for external hernia with mesh repair 39 Major amputation (above or below knee / above or below elbow) 40 Major nerve repair with grafting to prevent muscle paralysis 41 Major replacement / reimplantation surgeries for reflux ureter 42 Open lobectomy of the lung Grade 2 Surgeries 15all insurance therein will cease immediately. You will then have 150 days to reinstate your policy by (a) providing evidence of insurability satisfactory to us on all lives to be reinstated and (b) paying all premiums in arrear plus interest. The premium paid by you up to Rs. 15,000 (Rs. 20,000 for senior citizens) per annum to insure yourself and / or your family, is eligible for tax benefit under Section 80D of the Income Tax Act, 1961, which is subject to amendments from time to time. Note that as per the current provisions of the Income Tax Act, 1961, you can avail additional tax benefit on the premium paid by you to insure your parent(s). This plan has no death or maturity benefit. Furthermore, this plan provides for no cash surrender value nor any policy loans. The 'standard annual premium' table and all terms & conditions are guaranteed throughout the policy term. We reserve the right to change the 'standard annual premium' table and / or terms & conditions applicable to any new BSLI Universal Health Plan, subject to IRDA prior approval. This right also applies to any new BSLI Universal Health Plan resulting from exercising the Guaranteed Insurability Health Benefit. We reserve the right to increase or decrease the 20% no-claim bonus applicable to the Universal Health Benefit in the future, subject to IRDA prior approval. Tax Benefit

Death / Maturity Benefits Contract Guarantees 14 LIST OF COVERED SURGERIES Grade 1 Surgeries 1 Block dissection of thoracic structures for cancers 2 Coronary angioplasty with stenting 3 Coronary artery bypass graft surgery 4 Cranioplasty 5 Craniotomy for excision of malignant brain tumours 6 Major organ transplantation including bone marrow transplant (kidney, lung, heart, heart-lung, liver) 7 Major reconstructive oro-maxillafacial surgery for trauma (not for cosmetic purposes) 8 Repair of cerebral or spinal arterio-venous malformations/cerebral aneurysms 9 Skin grafting treatment for third degree burns of more than 20% of BSA for second degree burns of more than 30% of BSA (25% of BSA for children less than 12 years of age) 10 Abdominoperineal resection 11 Craniotomy for benign cranial tumours / cysts 12 Excision of benign or malignant spinal cord tumours 13 Excision of malignant bone tumours with or without primary reconstruction 14 Gastroduodenostomy 15 Heart valve replacement using prosthesis via open heart surgery 16 Hemi / partial hepatectomy 17 Hemi / total colectomy 18 Major surgery of the aorta with graft 19 Major surgery of the pulmonary artery 20 Major surgical treatment for oropharangeal malignancy with radical neck dissection

21 Oesophagectomy / Oesophagogastrectomy 22 Partial / total pancreatectomy 23 Permanent pacemaker implantation 24 Radical / modified radical mastectomy with axilla clearance 25 Radical prostatectomy 26 Radical thyroidectomy # 27 Total hip replacement # 28 Total knee replacement 29 Trans sphenoidal surgery for intracranial lesions 30 Wertheim's operation (radical hysterectomy) 31 Whipples operation Grade 3 Surgeries 32 Anterior cruciate ligament reconstruction (arthroscopic / open) 33 Anterolateral decompresion and spinal fusion 34 Bypass procedure for inoperable cancer of pancreas 35 Craniotomy for traumatic fracture of skull with intracranial haematoma evacuation ^ 36 Disc prolapse surgery Diskectomy with laminectomy 37 Excision of benign mediastinal lesion with ascertained evidence of thoracotomy ^ 38 Hernioplasty for external hernia with mesh repair 39 Major amputation (above or below knee / above or below elbow) 40 Major nerve repair with grafting to prevent muscle paralysis 41 Major replacement / reimplantation surgeries for reflux ureter 42 Open lobectomy of the lung

Grade 2 Surgeries 1543 Open nephrolithotomy 44 Open reduction with internal fixation of long bones of lower limb 45 Open surgery for hydatid cyst / ameobic abcess 46 Partial / total gastrectomy 47 Partial / total glossectomy 48 Partial / total nephrectomy # 49 Partial hip replacement 50 Resection and anastomosis of intestine 51 Surgical treatment of fracture neck femur with or without prosthesis 52 Thoracoplasty # 53 Total elbow joint replacement 54 Total laryngotomy 55 Total pharyngectomy 56 Vagotomy Grade 4 Surgeries 57 Any eye surgery for penetrating injury of the eye ^ 58 Cholecystectomy with or without chole biliary duct (CBD) exploration (open / lap) 59 Colporrhaphy / Colpoperinnioraphy 60 Evacuation of brain abscess / hematoma through burrhole surgery 61 Exploratory laparotomy 62 Facial nerve decompression @ 63 Hysterectomy (abdominal / vaginal / laparoscopic / pan)

64 Implant removal from long bones (upper / lower limb) 65 Open reduction with internal fixation of long bones of upper limb @ 66 Partial / total thyroidectomy 67 Percutaneous transluminal mitral valvulotomy / valvuloplasty 68 Posterior vitrectomy ^ 69 Prostatectomy (open / trans urethral resection of prostate -TURP) 70 Pyeloplasty for hydronephrosis 71 Retinal detachment surgery 72 Splenectomy 73 Surgical treatment for pseudocyst of pancreas # 74 Total shoulder joint replacement Grade 5 Surgeries ^ 75 Adenoidectomy ^ 76 Adenotonsillectomy 77 Appendicectomy (open / laproscopic) # 78 Arthrodesis for ankle / knee joint ^ 79 Cataract extraction with intraocular lens implantation 80 Corneal transplant 81 Cystoscopy and Basketting with / without stenting 82 Disarticulations / amputation of digits

^ 83 Fistulectomy for high rectal fistula / complex fistulas ^ 84 Functional endoscopic sinus surgery (FESS) ^ 85 Herniotomy or Herniorrhaphy (open / laproscopic) 86 K-Wire fixation (hand or foot) ^ 87 Lithotripsy for renal or gall bladder calculi 88 Lumpectomy for benign breast disorders 16 89 Mastoidectomy with tympanoplasty ^ 90 Myomectomy 91 Open reduction and fixation of small bones of hand or foot 92 Operations for injuries of the bladder ^ 93 Ovarian cystectomy ^ 94 Septoplasty 95 Simple mastectomy / lumpectomy with axilla clearance for malignant tumours 96 Stapedectomy 97 Surgery for glaucoma 98 Temporary / permanent cholostomy as a stand alone procedure ^ 99 Tonsillectomy 100 Ureterolithotomy

^ 101 Varicose vein stripping with / without sub-fascial ligation Until Guaranteed Insurability Health Benefit is Exercised From above list of Covered Surgeries: ^ Excluded. # Excluded only when for age related degenerative disorders. @ Excluded only when for benign conditions. and Arthrodesis for age related degenerative disorders Herniorrhaphy / Hernioplasty / Herniotomy Hydrocele / varicocele / spermatocele surgery Surgery for piles / fissure / fistula / rectal prolapsed Due to a pre-existing illness / condition unless stated in the application form and specifically accepted by the company and endorsed thereon Not taken from a recognised hospital / registered medical practitioner or not scientifically recognized Given by a family member or by oneself Conventionally and customarily carried out on an outpatient basis in an OPD / Hospital Casualty / Doctors clinic or at any place other than a hospital Received outside India Due to the life insured: - suffering from psychiatric / psychosomatic / mental disorders - suffering from any opportunistic condition associated with HIV / AIDS, AIDS Related Complex Syndrome (ARCS) or sexually transmitted diseases - performing duties as a serving member of a military, paramilitary or a police force - performing hazardous sports of any kind or flying other than as a passenger on a scheduled regular carrier

EXCLUDED SURGERIES NOT COVERED UNDER THIS PLAN Any treatment 1743 Open nephrolithotomy 44 Open reduction with internal fixation of long bones of lower limb 45 Open surgery for hydatid cyst / ameobic abcess 46 Partial / total gastrectomy 47 Partial / total glossectomy 48 Partial / total nephrectomy # 49 Partial hip replacement 50 Resection and anastomosis of intestine 51 Surgical treatment of fracture neck femur with or without prosthesis 52 Thoracoplasty # 53 Total elbow joint replacement 54 Total laryngotomy

55 Total pharyngectomy 56 Vagotomy Grade 4 Surgeries 57 Any eye surgery for penetrating injury of the eye ^ 58 Cholecystectomy with or without chole biliary duct (CBD) exploration (open / lap) 59 Colporrhaphy / Colpoperinnioraphy 60 Evacuation of brain abscess / hematoma through burrhole surgery 61 Exploratory laparotomy 62 Facial nerve decompression @ 63 Hysterectomy (abdominal / vaginal / laparoscopic / pan) 64 Implant removal from long bones (upper / lower limb) 65 Open reduction with internal fixation of long bones of upper limb @ 66 Partial / total thyroidectomy 67 Percutaneous transluminal mitral valvulotomy / valvuloplasty 68 Posterior vitrectomy ^ 69 Prostatectomy (open / trans urethral resection of prostate -TURP) 70 Pyeloplasty for hydronephrosis 71 Retinal detachment surgery 72 Splenectomy 73 Surgical treatment for pseudocyst of pancreas # 74 Total shoulder joint replacement Grade 5 Surgeries

^ 75 Adenoidectomy ^ 76 Adenotonsillectomy 77 Appendicectomy (open / laproscopic) # 78 Arthrodesis for ankle / knee joint ^ 79 Cataract extraction with intraocular lens implantation 80 Corneal transplant 81 Cystoscopy and Basketting with / without stenting 82 Disarticulations / amputation of digits ^ 83 Fistulectomy for high rectal fistula / complex fistulas ^ 84 Functional endoscopic sinus surgery (FESS) ^ 85 Herniotomy or Herniorrhaphy (open / laproscopic) 86 K-Wire fixation (hand or foot) ^ 87 Lithotripsy for renal or gall bladder calculi 88 Lumpectomy for benign breast disorders 16 89 Mastoidectomy with tympanoplasty ^ 90 Myomectomy 91 Open reduction and fixation of small bones of hand or foot

92 Operations for injuries of the bladder ^ 93 Ovarian cystectomy ^ 94 Septoplasty 95 Simple mastectomy / lumpectomy with axilla clearance for malignant tumours 96 Stapedectomy 97 Surgery for glaucoma 98 Temporary / permanent cholostomy as a stand alone procedure ^ 99 Tonsillectomy 100 Ureterolithotomy ^ 101 Varicose vein stripping with / without sub-fascial ligation Until Guaranteed Insurability Health Benefit is Exercised From above list of Covered Surgeries: ^ Excluded. # Excluded only when for age related degenerative disorders. @ Excluded only when for benign conditions. and Arthrodesis for age related degenerative disorders Herniorrhaphy / Hernioplasty / Herniotomy Hydrocele / varicocele / spermatocele surgery Surgery for piles / fissure / fistula / rectal prolapsed Due to a pre-existing illness / condition unless stated in the application form and specifically accepted by the company and endorsed thereon Not taken from a recognised hospital / registered medical practitioner or not

scientifically recognized Given by a family member or by oneself Conventionally and customarily carried out on an outpatient basis in an OPD / Hospital Casualty / Doctors clinic or at any place other than a hospital Received outside India Due to the life insured: - suffering from psychiatric / psychosomatic / mental disorders - suffering from any opportunistic condition associated with HIV / AIDS, AIDS Related Complex Syndrome (ARCS) or sexually transmitted diseases - performing duties as a serving member of a military, paramilitary or a police force - performing hazardous sports of any kind or flying other than as a passenger on a scheduled regular carrier EXCLUDED SURGERIES NOT COVERED UNDER THIS PLAN Any treatment 17- being under the influence of intoxicating drugs and / or alcohol - committing any breach of law

- intentionally injuring oneself, whether arising from an attempt to commit suicide or otherwise For any surgery undertaken to correct congenital or hereditary diseases / internal or external physical defects For any surgical procedure which is purely cosmetic or experimental in nature For any birth control procedures and / or hormone replacement therapy For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization For a sex change operation For an organ transplant where the life insured is the donor For convalescent care, rest care, hospice care, rehabilitation or similar treatment. For non-allopathic treatment even if administered and / or recommended by an allopathic medical practitioner For circumcision unless necessary for treatment of a disease (not otherwise excluded in the policy) or necessary due to an accident Due to terrorism, war, invasion, act of foreign enemy, war like operations whether war be declared or not Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials, whether directly or indirectly Hospital means any institution established for indoor or in-patient care and day care treatment of sickness and / or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under: Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock;

Has fully qualified doctor(s) in charge round the clock; Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to the Companys authorised personnel Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Any hospital admission Any claim IMPORTANT DEFINITIONS Hospital

 18 19- being under the influence of intoxicating drugs and / or alcohol - committing any breach of law - intentionally injuring oneself, whether arising from an attempt to commit suicide or otherwise For any surgery undertaken to correct congenital or hereditary diseases / internal or external physical defects For any surgical procedure which is purely cosmetic or experimental in nature For any birth control procedures and / or hormone replacement therapy For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization For a sex change operation For an organ transplant where the life insured is the donor For convalescent care, rest care, hospice care, rehabilitation or similar treatment. For non-allopathic treatment even if administered and / or recommended by an allopathic medical practitioner For circumcision unless necessary for treatment of a disease (not otherwise excluded in the policy) or necessary due to an accident Due to terrorism, war, invasion, act of foreign enemy, war like operations whether war be declared or not Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials, whether directly or indirectly Hospital means any institution established for indoor or in-patient care and day care treatment of sickness and / or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under:

Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock; Has fully qualified doctor(s) in charge round the clock; Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to the Companys authorised personnel Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Any hospital admission Any claim IMPORTANT DEFINITIONS Hospital

 18 19Intensive Care Unit (ICU) Day in Hospital and / or in ICU Intensive Care Unit means a section, ward or wing of a Hospital which is under the constant supervision of an intensive care unit specialist, and which is specially equipped for the treatment of patients requiring intensive care who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. Means a period of a full 24 hours during a period of confinement. The first Day of confinement shall commence at the time of admission to the Hospital / ICU and each subsequent Day of confinement shall commence 24 hours after the commencement of the previous Day of confinement. In the event of the time of discharge of the life insured from Hospital / ICU being more than 12 hours, but less than 24 hours from the end of the previous Day of confinement, then the day of discharge shall also be regarded as a Day. 20 PLEASE READ Free-Look Period Section 41 of the Insurance Act, 1938 Section 45 of the Insurance Act, 1938 DISCLAIMERS You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid by you till date once we receive your written notice of cancellation (along with reasons thereof) together with the original

policy documents. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take 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. No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application. This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is

the subject matter of the solicitation. For more details and clarification call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. 21Intensive Care Unit (ICU) Day in Hospital and / or in ICU Intensive Care Unit means a section, ward or wing of a Hospital which is under the constant supervision of an intensive care unit specialist, and which is specially equipped for the treatment of patients requiring intensive care who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. Means a period of a full 24 hours during a period of confinement. The first Day of confinement shall commence at the time of admission to the Hospital / ICU and each subsequent Day of confinement shall commence 24 hours after the commencement of the previous Day of confinement. In the event of the time of discharge of the life insured from Hospital / ICU being more than 12 hours, but less than 24 hours from the end of the previous Day of confinement, then the day of discharge shall also be regarded as a Day. 20 PLEASE READ Free-Look Period Section 41 of the Insurance Act, 1938 Section 45 of the Insurance Act, 1938 DISCLAIMERS You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid by you till date once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents.

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take 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. No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application. This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI

Insurance Advisor or visit our website and see how we can help in making your dreams come true. 2122 ABOUT BIRLA SUN LIFE INSURANCE ABOUT ADITYA BIRLA GROUP ABOUT SUN LIFE FINANCIAL INC. Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerates and Sun Life Financial Inc, leading international financial services organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to the growth and development of the Indian Life Insurance industry and currently is on of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovation. BSLI offers a complete range of pension, health and life insurance products and has an extensive reach in over 1500 markets through its network of 600 branches and 1,64,423 empanelled advisors. This is well supported by the sound financials that the Company has. The AUM of BSLI surpassed Rs. 9,168 crs and it has a robust capital base of over Rs. 1,999.5 crs as on March 31, 2009. For more information, please visit www.birlasunlife.com A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging to 25 different nationalities. The group operates in 25 countries across six continents truly India's first multinational corporation. Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence across various financial services verticals that include life insurance, fund management, distribution & wealth management, security based lending, insurance broking, private equity and retail broking. In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs, registering a growth

rate of 36%. For more information, please visit www.adityabirla.com Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial group of companies had total assets under management of $375 billion. 2322 ABOUT BIRLA SUN LIFE INSURANCE ABOUT ADITYA BIRLA GROUP ABOUT SUN LIFE FINANCIAL INC. Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerates and Sun Life Financial Inc, leading international financial services organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to the growth and development of the Indian Life Insurance industry and currently is on of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovation. BSLI offers a complete range of pension, health and life insurance products and has an extensive reach in over 1500 markets through its network of 600 branches and 1,64,423 empanelled advisors. This is well supported by the sound financials that the Company has. The AUM of BSLI surpassed Rs. 9,168 crs and it has a robust capital base of over Rs. 1,999.5 crs as on March 31, 2009. For more information, please visit www.birlasunlife.com A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging

to 25 different nationalities. The group operates in 25 countries across six continents truly India's first multinational corporation. Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence across various financial services verticals that include life insurance, fund management, distribution & wealth management, security based lending, insurance broking, private equity and retail broking. In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs, registering a growth rate of 36%. For more information, please visit www.adityabirla.com Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial group of companies had total assets under management of $375 billion. 23Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N040V01 ADV/09/08-09/2045 VER 3/FEB/2010 Can your health plan pay both your hospital bills and dentists fees? Universal Health Plan Birla Sun Life Insurance Guarantees a health and wellness cover for you and your family Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms HEALTH to 56161 24 1Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound,

841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N040V01 ADV/09/08-09/2045 VER 3/FEB/2010 Can your health plan pay both your hospital bills and dentists fees? Universal Health Plan Birla Sun Life Insurance Guarantees a health and wellness cover for you and your family Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms HEALTH to 56161 24 12 There is a stronger focus on health currently by all individuals across the world. More individuals are dedicated to the pursuit of healthier lifestyles and the prevention of illness and disease. This trend is prevalent across all ages. In a study, undertaken by Sun Life Financial for the Asian market, the findings related to health care for India, specifically indicate that more than 64% of the individuals are more health conscious today than they were 5 years ago. The same study indicates that the source to finance health related expense comes largely from personal savings. Therefore, keeping these needs in mind, Birla Sun Life Insurance has designed this special Health plan, for the Indian market. Health Insurance Plan fully guaranteed for 3 years Insure yourself and / or your family or your parents Decide on the amount of insurance for each individual Benefits on hospitalisation / surgery are fixed and will be paid irrespective of actual costs in addition to any other health plan you may have Universal Health Benefit helps you and your family with out-of-pocket health related expenses example medical tests, prescription drugs, ayurvedic & homeopathy

medicines. You are Guaranteed a new BSLI Universal Health Plan with the Guaranteed Insurability Health Benefit: BSLI UNIVERSAL HEALTH PLAN KEY FEATURES 3 up to age 78 for you and your spouse or for your parents up to age 23 for your dependent children no underwriting, no questions asked, guaranteed issue irrespective of the health status or past claims under an enhanced BSLI Universal Health Plan

more units for everyone with more covered surgeries no waiting period, no deductible, no excluded surgeries (world's leading second opinion provider) You can seek a second medical opinion for any life threatening or serious condition through this service. This second opinion will be provided by the world leading specialists in that condition, with the second opinion provider undertaking the facilitation of data gathering, accessing the specialist and providing the relevant feedback. You have access to a 'navigator' service which allows you to find out treatment options available in your locality / area. Health Insurance Plan with 3-year policy term Regular premium guaranteed during the 3-year policy term Insure yourself and / or your family or your parents The policy must have a Principal insured who can be yourself, your spouse or one of your parents. An additional adult can be added as a Spouse (your spouse or your other parent). Your child(ren) can also be covered in case the Principal insured is yourself or your spouse. Below are all combinations available: HEALTH INSURANCE FOR LIFE Medical Second Opinion by Mediguide Navigator Service by TTKHCS YOUR BSLI UNIVERSAL HEALTH PLAN Life Insured Principal Spouse Dependent Child* Entry Age (in years) 18 - 65 18 - 65 0 - 17 Individual Policy Self ----- ----Spouse ----- ----Parent ----- ----Family Policy Self Spouse -----

Self Spouse Children Self ----- Children Spouse ----- Children Parent Parent ----* Dependent Child must be at least 91 days old to enter this plan.2 There is a stronger focus on health currently by all individuals across the world. More individuals are dedicated to the pursuit of healthier lifestyles and the prevention of illness and disease. This trend is prevalent across all ages. In a study, undertaken by Sun Life Financial for the Asian market, the findings related to health care for India, specifically indicate that more than 64% of the individuals are more health conscious today than they were 5 years ago. The same study indicates that the source to finance health related expense comes largely from personal savings. Therefore, keeping these needs in mind, Birla Sun Life Insurance has designed this special Health plan, for the Indian market. Health Insurance Plan fully guaranteed for 3 years Insure yourself and / or your family or your parents Decide on the amount of insurance for each individual Benefits on hospitalisation / surgery are fixed and will be paid irrespective of actual costs in addition to any other health plan you may have Universal Health Benefit helps you and your family with out-of-pocket health related expenses example medical tests, prescription drugs, ayurvedic & homeopathy medicines. You are Guaranteed a new BSLI Universal Health Plan with the Guaranteed Insurability Health Benefit: BSLI UNIVERSAL HEALTH PLAN KEY FEATURES

 3 up to age 78 for you and your spouse or for your parents up to age 23 for your dependent children no underwriting, no questions asked, guaranteed issue irrespective of the health status or past claims under an enhanced BSLI Universal Health Plan more units for everyone with more covered surgeries no waiting period, no deductible, no excluded surgeries (world's leading second opinion provider) You can seek a second medical opinion for any life threatening or serious condition through this service. This second opinion will be provided by the world leading

specialists in that condition, with the second opinion provider undertaking the facilitation of data gathering, accessing the specialist and providing the relevant feedback. You have access to a 'navigator' service which allows you to find out treatment options available in your locality / area. Health Insurance Plan with 3-year policy term Regular premium guaranteed during the 3-year policy term Insure yourself and / or your family or your parents The policy must have a Principal insured who can be yourself, your spouse or one of your parents. An additional adult can be added as a Spouse (your spouse or your other parent). Your child(ren) can also be covered in case the Principal insured is yourself or your spouse. Below are all combinations available: HEALTH INSURANCE FOR LIFE Medical Second Opinion by Mediguide Navigator Service by TTKHCS YOUR BSLI UNIVERSAL HEALTH PLAN Life Insured Principal Spouse Dependent Child* Entry Age (in years) 18 - 65 18 - 65 0 - 17 Individual Policy Self ----- ----Spouse ----- ----Parent ----- ----Family Policy Self Spouse ----Self Spouse Children Self ----- Children Spouse ----- Children Parent Parent ----* Dependent Child must be at least 91 days old to enter this plan.4

You now purchase Health Insurance Units for each life insured: 1 to 5 units on the Principal insured; 1 to 5^ units on the Spouse; and 1 to 4^ units on each Dependent Child ^ Not more than the number of units purchased on Principal insured. Each Health Insurance Unit represents a cover in case of hospital admission and is summarized in the diagram below. The total benefit payable would be the per unit benefit amount shown in the diagram multiplied by the number of Health Insurance Units for that life insured. The benefit amount is payable only when the life insured is admitted to a hospital and varies depending on the type and severity of the hospitalisation and / or surgery. We classify hospital admission as an admission for Surgical Management (to undergo a surgery) or for Medical Management (otherwise). (a) we pay a fixed benefit amount of Rs. 1,000 per day in hospital plus Rs. 1,000 per day in intensive care unit (ICU). ONE HEALTH INSURANCE UNIT In case of an admission for Medical Management: 5 In case of an admission for Surgical Management: CONDITIONS APPLY (b) if the surgery is listed in the Covered Surgeries: - we pay a fixed benefit amount based on the Grade of the Covered Surgery Rs. 1,00,000, Rs. 50,000, Rs. 25,000, Rs. 15,000 and Rs. 10,000 for Grade 1 to 5, respectively

(c) if the surgery is not listed in the Covered Surgeries: - we pay a fixed benefit amount of Rs. 2,000 per day in hospital plus Rs. 1,000 per day in ICU For (a) and (c), the hospitalisation must be for at least 24 hours and a Rs. 1,000 Deductible applies. Note that we will pay either (a) or (b) or (c) per hospital admission. This plan has a Waiting Period of 90 days meaning that during the first 90 days of the policy term, only claims due to accidental injuries will be admitted. Per Health Insurance Unit Hospital Admission For Surgical Management Medical Management Surgery Performed Benefit Amount Grade 1 - per surgery Grade 2 - per surgery (1) Rs. 50,000 Grade 3 - per surgery (1) Rs. 25,000 Grade 4 - per surgery (1) Rs. 15,000 Grade 5 - per surgery (1) Rs. 10,000 (1) Rs. 100,000 Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Surgery Performed Benefit Amount Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000

Notes: 1) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term 2) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term Minimum stay in hospital 24 hrs Deductible Rs. 1,000 per admission Sample Case 1 Sample Case 2 Sample Case 3 Health Insurance Units = 3 Health Insurance Units = 3 Health Insurance Units = 3 Surgical Management Surgical Management Medical Management admission admission admission Grade 2 Covered Surgery Surgery (not listed in No Surgery performed Covered Surgeries) 7 days in hospital, incl. 7 days in hospital, incl. 2 days in ICU 2 days in ICU Total Benefit = Rs. 1,50,000 Total Benefit = Rs. 45,000 Total Benefit = Rs. 24,000 3 x 50,000 for Grade 2 42,000 for 7 days in hospital 21,000 for 7 days in hospital Covered Surgery (3 x 7 x 2000) (3 x 7 x 1000) + 6,000 for 2 days in ICU + 6,000 for 2 days in ICU (3 x 2 x 1000) (3 x 2 x 1000) - 3,000 Deductible (3 x 1000) - 3,000 Deductible (3 x 1000) 4 You now purchase Health Insurance Units for each life insured: 1 to 5 units on the Principal insured;

1 to 5^ units on the Spouse; and 1 to 4^ units on each Dependent Child ^ Not more than the number of units purchased on Principal insured. Each Health Insurance Unit represents a cover in case of hospital admission and is summarized in the diagram below. The total benefit payable would be the per unit benefit amount shown in the diagram multiplied by the number of Health Insurance Units for that life insured. The benefit amount is payable only when the life insured is admitted to a hospital and varies depending on the type and severity of the hospitalisation and / or surgery. We classify hospital admission as an admission for Surgical Management (to undergo a surgery) or for Medical Management (otherwise). (a) we pay a fixed benefit amount of Rs. 1,000 per day in hospital plus Rs. 1,000 per day in intensive care unit (ICU). ONE HEALTH INSURANCE UNIT In case of an admission for Medical Management: 5 In case of an admission for Surgical Management: CONDITIONS APPLY (b) if the surgery is listed in the Covered Surgeries: - we pay a fixed benefit amount based on the Grade of the Covered Surgery Rs. 1,00,000, Rs. 50,000, Rs. 25,000, Rs. 15,000 and Rs. 10,000 for Grade 1 to 5, respectively (c) if the surgery is not listed in the Covered Surgeries: - we pay a fixed benefit amount of Rs. 2,000 per day in hospital plus Rs. 1,000 per

day in ICU For (a) and (c), the hospitalisation must be for at least 24 hours and a Rs. 1,000 Deductible applies. Note that we will pay either (a) or (b) or (c) per hospital admission. This plan has a Waiting Period of 90 days meaning that during the first 90 days of the policy term, only claims due to accidental injuries will be admitted. Per Health Insurance Unit Hospital Admission For Surgical Management Medical Management Surgery Performed Benefit Amount Grade 1 - per surgery Grade 2 - per surgery (1) Rs. 50,000 Grade 3 - per surgery (1) Rs. 25,000 Grade 4 - per surgery (1) Rs. 15,000 Grade 5 - per surgery (1) Rs. 10,000 (1) Rs. 100,000 Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Surgery Performed Benefit Amount Any Other - per day in hospital + per day in ICU (2) Rs. 1,000 (2) Rs. 2,000 Notes: 1) Maximum benefit Rs. 1,00,000 per policy year

Maximum benefit Rs. 2,00,000 per policy term 2) Maximum benefit Rs. 1,00,000 per policy year Maximum benefit Rs. 2,00,000 per policy term Minimum stay in hospital 24 hrs Deductible Rs. 1,000 per admission Sample Case 1 Sample Case 2 Sample Case 3 Health Insurance Units = 3 Health Insurance Units = 3 Health Insurance Units = 3 Surgical Management Surgical Management Medical Management admission admission admission Grade 2 Covered Surgery Surgery (not listed in No Surgery performed Covered Surgeries) 7 days in hospital, incl. 7 days in hospital, incl. 2 days in ICU 2 days in ICU Total Benefit = Rs. 1,50,000 Total Benefit = Rs. 45,000 Total Benefit = Rs. 24,000 3 x 50,000 for Grade 2 42,000 for 7 days in hospital 21,000 for 7 days in hospital Covered Surgery (3 x 7 x 2000) (3 x 7 x 1000) + 6,000 for 2 days in ICU + 6,000 for 2 days in ICU (3 x 2 x 1000) (3 x 2 x 1000) - 3,000 Deductible (3 x 1000) - 3,000 Deductible (3 x 1000) This plan has a list of Excluded Surgeries meaning that during the policy term any hospital admission to undergo one of the excluded surgeries cannot be claimed against Health Insurance Units. This plan has a maximum limit on benefits we will pay within one policy year and during the policy term. These limits, for each Health Insurance Unit, are:

Surgical Management to undergo Covered Surgeries Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term PLUS Surgical Management to undergo any other surgery and / or Medical Management Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term The Universal Health Benefit is in addition to the benefit amount payable under each Health Insurance Benefit. This unique benefit helps you and your family with out-ofpocket health related expenses. Health & Medical related expenses incurred during the policy term and which are not otherwise covered under this plan will be reimbursed at the end of the policy term. The total we will reimburse is capped at the 'standard annual premium' for the Principal insured. Health & Medical related expenses include costs of medical tests, prescription drugs, medicines (ayurvedic / homeopathy included), consultation fee for physician / surgeon, dental / ophthalmic / orthopedic treatments and any surgical procedures (including the Excluded Surgeries) otherwise not covered under this plan. Health & Medical related expenses incurred by Spouse and each Dependent Child insured under the policy can also be claimed. Please make sure to keep your bills in a safe place to be submitted for reimbursement at the end of the 3-year policy term. Deductible of Rs. 100 applies per Universal Health Benefit claim. The Guaranteed Insurability Health Benefit applies to everyone under the plan and guarantees that everyone can remain insured for a very long time (up to age 80 for the Principal & Spouse and up to age 25 for Dependent Child). When your policy expires at the end of its 3-year policy term, you will have the option to purchase a new 3-year BSLI Universal Health Plan covering the same insured lives each for their same number of Health Insurance Units. Furthermore, this option to purchase a new BSLI Universal Health Plan every 3-years

is available to you: Until age 78 of the Principal insured and Spouse and until age 23 of the Dependent Child; with UNIVERSAL HEALTH BENEFIT GUARANTEED INSURABILITY HEALTH BENEFIT 6 7This plan has a list of Excluded Surgeries meaning that during the policy term any hospital admission to undergo one of the excluded surgeries cannot be claimed against Health Insurance Units. This plan has a maximum limit on benefits we will pay within one policy year and during the policy term. These limits, for each Health Insurance Unit, are: Surgical Management to undergo Covered Surgeries Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term PLUS Surgical Management to undergo any other surgery and / or Medical Management Rs. 1,00,000 per policy year and Rs. 2,00,000 per policy term The Universal Health Benefit is in addition to the benefit amount payable under each Health Insurance Benefit. This unique benefit helps you and your family with out-ofpocket health related expenses. Health & Medical related expenses incurred during the policy term and which are not otherwise covered under this plan will be reimbursed at the end of the policy term. The total we will reimburse is capped at the 'standard annual premium' for the Principal insured. Health & Medical related expenses include costs of medical tests, prescription drugs, medicines (ayurvedic / homeopathy included), consultation fee for physician / surgeon, dental / ophthalmic / orthopedic treatments and any surgical procedures

(including the Excluded Surgeries) otherwise not covered under this plan. Health & Medical related expenses incurred by Spouse and each Dependent Child insured under the policy can also be claimed. Please make sure to keep your bills in a safe place to be submitted for reimbursement at the end of the 3-year policy term. Deductible of Rs. 100 applies per Universal Health Benefit claim. The Guaranteed Insurability Health Benefit applies to everyone under the plan and guarantees that everyone can remain insured for a very long time (up to age 80 for the Principal & Spouse and up to age 25 for Dependent Child). When your policy expires at the end of its 3-year policy term, you will have the option to purchase a new 3-year BSLI Universal Health Plan covering the same insured lives each for their same number of Health Insurance Units. Furthermore, this option to purchase a new BSLI Universal Health Plan every 3-years is available to you: Until age 78 of the Principal insured and Spouse and until age 23 of the Dependent Child; with UNIVERSAL HEALTH BENEFIT GUARANTEED INSURABILITY HEALTH BENEFIT 6 78

 No underwriting, no questions asked, guaranteed issuance of the new plan irrespective of the then current health status of lives insured or past claims paid by us PLUS The number of Health Insurance Units for each life insured is automatically increased by 20% of initial Health Insurance Units (example 3.0 units becomes 3.6 units) Waiting Period of 90 days is waived Deductible of Rs. 1,000 is waived All Excluded Surgeries are covered Total of 101 Covered Surgeries PLUS Any Universal Health Benefit not claimed at the end of the 3-year policy term will be carried forward to your new BSLI Universal Health Plan; and Should any portion of this carried forward amount still remain unclaimed for another 3-years, then the Universal Health Benefit will be increased by 20% of this still unclaimed carried forward amount as a no-claim bonus The Spousal Continuation Health Benefit ensures that the Spouse under the plan can remain insured irrespective of the status of the Principal insured. Should the Principal die, the Spouse will automatically become the Principal insured and the policy will continue uninterrupted. Similarly, if the Guaranteed Insurability Health Benefit can be exercised for the Spouse

but not for the Principal (now aged beyond 78), then the Spouse can exercise the Guaranteed Insurability Health Benefit alone and become the Principal insured on the new BSLI Universal Health Plan. Case Principal insured is a gentleman aged 42 who purchased 3 Health Insurance Units. The sample case assumes the Guaranteed Insurability Health Benefit is exercised twice (at age 45 and again at age 48) for a total of 9 years of insurance. Note that this person can exercise the Guaranteed Insurability Health Benefit 12 times (age 45, 48, 51, 78) for a total of 39 years (3 + 12 x 3) till age 80! Every time the Guaranteed Insurability Health Benefit is exercised, the number of Health Insurance Units is automatically increased by 0.6 units (20% of the initial 3 units) irrespective of the current health status of the Principal insured or past claims. TABLE A shows the annual premium together with the benefit amounts payable on hospital admissions. SPOUSAL CONTINUATION HEALTH BENEFIT COMPLETE SAMPLE CASE 9 Surgical Management Medical Management Covered Surgery per Surgery Any Other Surgery Medical Care per day in per day in Male Annual Health Age Premium Ins. Unit Grade 1 Grade 2 Grade 3 Grade 4 Grade 5 Hospital ICU Hospital ICU 42 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 43 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 44 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 45 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 46 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 47 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600

48 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 49 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 50 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 TABLE A (in Rupees) TABLE B (in Rupees) Universal Health Benefit (end of year) Annual Health Unclaimed No-Claim Increase Total Age Premium Ins. Unit Benefit Bonus Benefit Benefit 42 13,734 3.0 - - - 43 13,734 3.0 - - - 44 13,734 3.0 - - 13,734 13,734 45 16,668 3.6 13,734 - - 13,734 46 16,668 3.6 13,734 - - 13,734 47 16,668 3.6 13,734 2,747 16,668 33,149 48 21,214 4.2 33,149 - - 33,149 49 21,214 4.2 33,149 - - 33,149 50 21,214 4.2 33,149 6,630 21,214 60,993 TABLE B shows the total Universal Health Benefit, the carry-forward of unclaimed amounts and the no-claims bonuses. The sample case assumes no UHB claims were ever submitted. After 9 years, the unclaimed amount stands at Rs. 60,993 which can be used to cover bills against Health & Medical related expenses. The Universal Health Benefit carryforward feature is important to allow

individuals to avail of the unclaimed Universal Health Benefit on a later date when out-of-pocket health / medical expenses are expected to increase as one gets older. *Deductible of Rs. 3,000 (3 units x 1000) applies.8 No underwriting, no questions asked, guaranteed issuance of the new plan irrespective of the then current health status of lives insured or past claims paid by us PLUS The number of Health Insurance Units for each life insured is automatically increased by 20% of initial Health Insurance Units (example 3.0 units becomes 3.6 units) Waiting Period of 90 days is waived Deductible of Rs. 1,000 is waived All Excluded Surgeries are covered Total of 101 Covered Surgeries PLUS

Any Universal Health Benefit not claimed at the end of the 3-year policy term will be carried forward to your new BSLI Universal Health Plan; and Should any portion of this carried forward amount still remain unclaimed for another 3-years, then the Universal Health Benefit will be increased by 20% of this still unclaimed carried forward amount as a no-claim bonus The Spousal Continuation Health Benefit ensures that the Spouse under the plan can remain insured irrespective of the status of the Principal insured. Should the Principal die, the Spouse will automatically become the Principal insured and the policy will continue uninterrupted. Similarly, if the Guaranteed Insurability Health Benefit can be exercised for the Spouse but not for the Principal (now aged beyond 78), then the Spouse can exercise the Guaranteed Insurability Health Benefit alone and become the Principal insured on the new BSLI Universal Health Plan. Case Principal insured is a gentleman aged 42 who purchased 3 Health Insurance Units. The sample case assumes the Guaranteed Insurability Health Benefit is exercised twice (at age 45 and again at age 48) for a total of 9 years of insurance. Note that this person can exercise the Guaranteed Insurability Health Benefit 12 times (age 45, 48, 51, 78) for a total of 39 years (3 + 12 x 3) till age 80! Every time the Guaranteed Insurability Health Benefit is exercised, the number of Health Insurance Units is automatically increased by 0.6 units (20% of the initial 3 units) irrespective of the current health status of the Principal insured or past claims. TABLE A shows the annual premium together with the benefit amounts payable on hospital admissions. SPOUSAL CONTINUATION HEALTH BENEFIT COMPLETE SAMPLE CASE 9

Surgical Management Medical Management Covered Surgery per Surgery Any Other Surgery Medical Care per day in per day in Male Annual Health Age Premium Ins. Unit Grade 1 Grade 2 Grade 3 Grade 4 Grade 5 Hospital ICU Hospital ICU 42 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 43 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 44 13,734 3.0 300,000 150,000 75,000 45,000 30,000 *6,000 3,000 *3,000 3,000 45 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 46 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 47 16,668 3.6 360,000 180,000 90,000 54,000 36,000 7,200 3,600 3,600 3,600 48 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 49 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 50 21,214 4.2 420,000 210,000 105,000 63,000 42,000 8,400 4,200 4,200 4,200 TABLE A (in Rupees) TABLE B (in Rupees) Universal Health Benefit (end of year) Annual Health Unclaimed No-Claim Increase Total Age Premium Ins. Unit Benefit Bonus Benefit Benefit 42 13,734 3.0 - - - 43 13,734 3.0 - - - 44 13,734 3.0 - - 13,734 13,734 45 16,668 3.6 13,734 - - 13,734 46 16,668 3.6 13,734 - - 13,734 47 16,668 3.6 13,734 2,747 16,668 33,149 48 21,214 4.2 33,149 - - 33,149 49 21,214 4.2 33,149 - - 33,149

50 21,214 4.2 33,149 6,630 21,214 60,993 TABLE B shows the total Universal Health Benefit, the carry-forward of unclaimed amounts and the no-claims bonuses. The sample case assumes no UHB claims were ever submitted. After 9 years, the unclaimed amount stands at Rs. 60,993 which can be used to cover bills against Health & Medical related expenses. The Universal Health Benefit carryforward feature is important to allow individuals to avail of the unclaimed Universal Health Benefit on a later date when out-of-pocket health / medical expenses are expected to increase as one gets older. *Deductible of Rs. 3,000 (3 units x 1000) applies.10 OTHER BENEFITS Can Spouse and / or Dependent Child be added? Yes Can Health Insurance Units be added / deleted? Yes Can a claim be submitted for multiple surgeries? Yes Can a claim be submitted even if covered by another plan? Yes How is the claim settled?

Cashless Facility on a policy anniversary. You have the option to add a new family member (Spouse and / or Dependent Child) on a policy anniversary. We however need evidence of insurability satisfactory to us for each added family member. but only when the Guaranteed Insurability Health Benefit is exercised. When the new BSLI Universal Health Plan is issued, you can decide to reduce the number of Health Insurance Units for any life insured. You can also decide to increase the number of Health Insurance Units for any life insured, subject to providing evidence of insurability satisfactory to us for that life insured. Note that the Guaranteed Insurability Health Benefit will automatically increase the number of Health Insurance Units for each life insured by 20% of the initial units without any underwriting by us. we will pay the benefit amount for each Covered Surgery. Even if multiple Covered Surgeries are performed during the same hospital admission, we will pay the benefit amount for each Covered Surgery as per the Grade of the surgery undergone. Note however, that if two or more procedures have the same point of entry, then only 50% of the benefit amount will be paid for all surgeries except for the most expensive, covered at 100%. Even if the same Covered Surgery is subsequently performed on the same life insured, we will pay the benefit amount for that Covered Surgery again. The only restriction is the maximum benefit amount we pay in a policy year and policy term for Covered Surgeries. Note also that you cannot claim for Covered Surgery and for any other surgery (not listed in the Covered Surgeries) during the same hospital admission. we will pay irrespective of other plans you may have. The benefit amount payable per hospital admission is payable irrespective of the

actual medical expenses incurred and whether or not they are reimbursed by another plan you may have. We require only the photocopies or duplicates of bills duly attested by the treating doctor and certificates enabling you to retain the originals if required by other insurers. in more than 4000 network hospitals. 1110 OTHER BENEFITS Can Spouse and / or Dependent Child be added? Yes Can Health Insurance Units be added / deleted? Yes Can a claim be submitted for multiple surgeries? Yes Can a claim be submitted even if covered by another plan? Yes How is the claim settled? Cashless Facility on a policy anniversary. You have the option to add a new family member (Spouse and / or Dependent Child) on a policy anniversary. We however need evidence of insurability satisfactory to us for each added family member. but only when the Guaranteed Insurability Health Benefit is exercised. When the new BSLI Universal Health Plan is issued, you can decide to reduce the number of Health Insurance Units for any life insured. You can also decide to increase the number of Health Insurance Units for any life insured, subject to providing evidence of insurability satisfactory to us for that life insured. Note that the Guaranteed Insurability Health Benefit will automatically

increase the number of Health Insurance Units for each life insured by 20% of the initial units without any underwriting by us. we will pay the benefit amount for each Covered Surgery. Even if multiple Covered Surgeries are performed during the same hospital admission, we will pay the benefit amount for each Covered Surgery as per the Grade of the surgery undergone. Note however, that if two or more procedures have the same point of entry, then only 50% of the benefit amount will be paid for all surgeries except for the most expensive, covered at 100%. Even if the same Covered Surgery is subsequently performed on the same life insured, we will pay the benefit amount for that Covered Surgery again. The only restriction is the maximum benefit amount we pay in a policy year and policy term for Covered Surgeries. Note also that you cannot claim for Covered Surgery and for any other surgery (not listed in the Covered Surgeries) during the same hospital admission. we will pay irrespective of other plans you may have. The benefit amount payable per hospital admission is payable irrespective of the actual medical expenses incurred and whether or not they are reimbursed by another plan you may have. We require only the photocopies or duplicates of bills duly attested by the treating doctor and certificates enabling you to retain the originals if required by other insurers. in more than 4000 network hospitals. 11You can avail of our cashless facility arrangement with over 4000 network hospitals across India. We will confirm the cashless facility to you / hospital within 3 hours after we receive the pre-authorisation form from the hospital and approve the same. We will pay the hospital directly for bills not exceeding the benefit amount payable under your policy. Any shortfall will need to be paid by you. We will send you a cheque for any excess benefit amount payable under your policy over the amount we paid

directly to the hospital. Alternatively, you can pay all hospitalisation bills directly and submit the claims documents post discharge. Once we approve of the claim, a cheque will be sent to you for the benefit amount payable under your policy. For treatment in non-network hospitals, you will need to settle the bills directly and submit the claims documents post discharge. you can submit your bills for reimbursement against any carried forward Universal Health Benefit still unclaimed on a quarterly basis. The minimum amount for reimbursement is Rs. 2,500 and a Deductible of Rs. 100 applies per Universal Health Benefit claim. you must submit bills for Medical & Health related expenses for reimbursement. The only exception is in case the Principal insured (or covered Spouse / Dependent Child) suffers a terminal illness or condition. In such a case, any unclaimed Universal Health Benefit will be immediately payable without the submission of bills. This is to ensure you are not burdened with medical expenses in times of crisis. The unclaimed amount is paid once we receive evidence satisfactory to us that the life insured is suffering from a terminal illness or condition resulting in life expectancy of one year or less. The Guaranteed Insurability Health Benefit can only be exercised if the Principal and / or Spouse is 78 years of age or younger. If the Principal cannot exercise the benefit (beyond age 78) but the Spouse can, then the new plan will be issued only on the Spouse as the Principal insured (using the Spousal Continuation Health Benefit). If the Principal can exercise the benefit but not the Spouse, then the new plan will be issued on the Principal insured only. If both Principal and Spouse cannot exercise the Guaranteed Insurability Health Benefit (both are beyond age 78) then no further plan can be issued. However, if there is still an unclaimed Universal Health Benefit amount at that time, we will continue to accept bills for reimbursement as long as there is an

unclaimed amount of at least Rs. 2,500. Any Dependent Child over the age of 23 when the Guaranteed Insurability Health Benefit is exercised will not participate in the new BSLI Universal Health Plan. When can I send bills against the unclaimed UHB? Quarterly Can the unclaimed UHB be encashed without bills? No What happens when the GIHB cannot be exercised? 12 PREMIUM PAYABLE Sample (in Rupees) standard annual premium table Sample (in Rupees) standard annual premium table (new BSLI Universal Health Plan) OTHER INFORMATION Grace Period Premium is guaranteed and payable throughout the policy term. Your advisor will calculate the premium applicable to your policy or please use our premium calculator at www.birlasunlife.com Your premium can be paid annually, half-yearly, quarterly or monthly, subject to our then current administrative rules. The premium due will equal the annual premium (plus any non-standard extras) multiplied by: 1.000 if paid annually; 0.520 if paid half-yearly; 0.265 if paid quarterly; or 0.090 if paid monthly. Service Tax & Education Cess and any other applicable taxes will be added to your

premium and levied as per the extant tax laws. To help you understand the premium payable under the new BSLI Universal Health Plan once you exercise the Guaranteed Health Insurability Benefit, sample standard annual premium table is provided below. The standard annual premium table is not guaranteed and can be increased or decreased by us subject to IRDA approval. If you are unable to pay the premium by the due date, you will be given a grace period of 30 days during which time all insurance under your policy will continue. If you do not pay your premium within the grace period, then your policy will be deemed lapsed and Additional Life Issue Male Principal Insured Female Principal Insured Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 28 3,417 5,602 7,788 9,972 12,155 2,696 4,160 5,625 7,088 8,550 1,446 1,006 38 4,098 6,964 9,831 12,700 15,565 4,379 7,528 10,674 13,824 16,970 1,865 2,036 48 5,971 10,716 15,459 20,204 24,950 6,298 11,368 16,437 21,508 26,575 3,021 3,216 58 9,410 17,602 25,794 33,988 42,180 8,362 15,504 22,644 29,788 36,930 5,175 4,514 For each Dependent Child (aged less than 18) 1,070 Additional Life Male Principal Insured Female Principal Insured Issue Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 25 4,756 6,734 8,712 10,692 13,385 4,028 5,278 6,528 7,780 9,745 1,307 876

35 5,123 7,470 9,816 12,164 15,225 4,988 7,198 9,408 11,620 14,545 1,526 1,441 45 6,725 10,674 15,342 19,796 24,345 7,287 11,798 17,028 22,044 27,155 2,476 2,812 55 9,724 16,060 21,798 27,796 34,565 9,224 15,058 20,292 25,788 32,055 4,145 3,845 For each Dependent Child (aged less than 18) 1,053 13You can avail of our cashless facility arrangement with over 4000 network hospitals across India. We will confirm the cashless facility to you / hospital within 3 hours after we receive the pre-authorisation form from the hospital and approve the same. We will pay the hospital directly for bills not exceeding the benefit amount payable under your policy. Any shortfall will need to be paid by you. We will send you a cheque for any excess benefit amount payable under your policy over the amount we paid directly to the hospital. Alternatively, you can pay all hospitalisation bills directly and submit the claims documents post discharge. Once we approve of the claim, a cheque will be sent to you for the benefit amount payable under your policy. For treatment in non-network hospitals, you will need to settle the bills directly and submit the claims documents post discharge. you can submit your bills for reimbursement against any carried forward Universal Health Benefit still unclaimed on a quarterly basis. The minimum amount for reimbursement is Rs. 2,500 and a Deductible of Rs. 100 applies per Universal Health Benefit claim. you must submit bills for Medical & Health related expenses for reimbursement. The only exception is in case the Principal insured (or covered Spouse / Dependent Child) suffers a terminal illness or condition. In such a case, any unclaimed Universal Health Benefit will be immediately payable without the submission of bills. This is to ensure you are not burdened with medical expenses in times of crisis. The unclaimed amount is paid once we receive evidence satisfactory to us that the life insured is suffering from a terminal illness or condition resulting in life expectancy of

one year or less. The Guaranteed Insurability Health Benefit can only be exercised if the Principal and / or Spouse is 78 years of age or younger. If the Principal cannot exercise the benefit (beyond age 78) but the Spouse can, then the new plan will be issued only on the Spouse as the Principal insured (using the Spousal Continuation Health Benefit). If the Principal can exercise the benefit but not the Spouse, then the new plan will be issued on the Principal insured only. If both Principal and Spouse cannot exercise the Guaranteed Insurability Health Benefit (both are beyond age 78) then no further plan can be issued. However, if there is still an unclaimed Universal Health Benefit amount at that time, we will continue to accept bills for reimbursement as long as there is an unclaimed amount of at least Rs. 2,500. Any Dependent Child over the age of 23 when the Guaranteed Insurability Health Benefit is exercised will not participate in the new BSLI Universal Health Plan. When can I send bills against the unclaimed UHB? Quarterly Can the unclaimed UHB be encashed without bills? No What happens when the GIHB cannot be exercised? 12 PREMIUM PAYABLE Sample (in Rupees) standard annual premium table Sample (in Rupees) standard annual premium table (new BSLI Universal Health Plan) OTHER INFORMATION Grace Period Premium is guaranteed and payable throughout the policy term. Your advisor will calculate the premium applicable to your policy or please use our premium calculator

at www.birlasunlife.com Your premium can be paid annually, half-yearly, quarterly or monthly, subject to our then current administrative rules. The premium due will equal the annual premium (plus any non-standard extras) multiplied by: 1.000 if paid annually; 0.520 if paid half-yearly; 0.265 if paid quarterly; or 0.090 if paid monthly. Service Tax & Education Cess and any other applicable taxes will be added to your premium and levied as per the extant tax laws. To help you understand the premium payable under the new BSLI Universal Health Plan once you exercise the Guaranteed Health Insurability Benefit, sample standard annual premium table is provided below. The standard annual premium table is not guaranteed and can be increased or decreased by us subject to IRDA approval. If you are unable to pay the premium by the due date, you will be given a grace period of 30 days during which time all insurance under your policy will continue. If you do not pay your premium within the grace period, then your policy will be deemed lapsed and Additional Life Issue Male Principal Insured Female Principal Insured Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 28 3,417 5,602 7,788 9,972 12,155 2,696 4,160 5,625 7,088 8,550 1,446 1,006

38 4,098 6,964 9,831 12,700 15,565 4,379 7,528 10,674 13,824 16,970 1,865 2,036 48 5,971 10,716 15,459 20,204 24,950 6,298 11,368 16,437 21,508 26,575 3,021 3,216 58 9,410 17,602 25,794 33,988 42,180 8,362 15,504 22,644 29,788 36,930 5,175 4,514 For each Dependent Child (aged less than 18) 1,070 Additional Life Male Principal Insured Female Principal Insured Issue Per Unit Age 1Unit 2 Units 3 Units 4 Units 5 Units 1Unit 2 Units 3 Units 4 Units 5 Units Male Female 25 4,756 6,734 8,712 10,692 13,385 4,028 5,278 6,528 7,780 9,745 1,307 876 35 5,123 7,470 9,816 12,164 15,225 4,988 7,198 9,408 11,620 14,545 1,526 1,441 45 6,725 10,674 15,342 19,796 24,345 7,287 11,798 17,028 22,044 27,155 2,476 2,812 55 9,724 16,060 21,798 27,796 34,565 9,224 15,058 20,292 25,788 32,055 4,145 3,845 For each Dependent Child (aged less than 18) 1,053 13all insurance therein will cease immediately. You will then have 150 days to reinstate your policy by (a) providing evidence of insurability satisfactory to us on all lives to be reinstated and (b) paying all premiums in arrear plus interest. The premium paid by you up to Rs. 15,000 (Rs. 20,000 for senior citizens) per annum to insure yourself and / or your family, is eligible for tax benefit under Section 80D of the Income Tax Act, 1961, which is subject to amendments from time to time. Note that as per the current provisions of the Income Tax Act, 1961, you can avail additional tax benefit on the premium paid by you to insure your parent(s). This plan has no death or maturity benefit. Furthermore, this plan provides for no cash surrender value nor any policy loans. The 'standard annual premium' table and all terms & conditions are guaranteed throughout the policy term. We reserve the right to change the 'standard annual premium' table and / or terms &

conditions applicable to any new BSLI Universal Health Plan, subject to IRDA prior approval. This right also applies to any new BSLI Universal Health Plan resulting from exercising the Guaranteed Insurability Health Benefit. We reserve the right to increase or decrease the 20% no-claim bonus applicable to the Universal Health Benefit in the future, subject to IRDA prior approval. Tax Benefit Death / Maturity Benefits Contract Guarantees 14 LIST OF COVERED SURGERIES Grade 1 Surgeries 1 Block dissection of thoracic structures for cancers 2 Coronary angioplasty with stenting 3 Coronary artery bypass graft surgery 4 Cranioplasty 5 Craniotomy for excision of malignant brain tumours 6 Major organ transplantation including bone marrow transplant (kidney, lung, heart, heart-lung, liver) 7 Major reconstructive oro-maxillafacial surgery for trauma (not for cosmetic purposes) 8 Repair of cerebral or spinal arterio-venous malformations/cerebral aneurysms 9 Skin grafting treatment for third degree burns of more than 20% of BSA for second degree burns of more than 30% of BSA (25% of BSA for children less than 12 years of age) 10 Abdominoperineal resection 11 Craniotomy for benign cranial tumours / cysts 12 Excision of benign or malignant spinal cord tumours 13 Excision of malignant bone tumours with or without primary reconstruction 14 Gastroduodenostomy

15 Heart valve replacement using prosthesis via open heart surgery 16 Hemi / partial hepatectomy 17 Hemi / total colectomy 18 Major surgery of the aorta with graft 19 Major surgery of the pulmonary artery 20 Major surgical treatment for oropharangeal malignancy with radical neck dissection 21 Oesophagectomy / Oesophagogastrectomy 22 Partial / total pancreatectomy 23 Permanent pacemaker implantation 24 Radical / modified radical mastectomy with axilla clearance 25 Radical prostatectomy 26 Radical thyroidectomy # 27 Total hip replacement # 28 Total knee replacement 29 Trans sphenoidal surgery for intracranial lesions 30 Wertheim's operation (radical hysterectomy) 31 Whipples operation Grade 3 Surgeries 32 Anterior cruciate ligament reconstruction (arthroscopic / open) 33 Anterolateral decompresion and spinal fusion 34 Bypass procedure for inoperable cancer of pancreas 35 Craniotomy for traumatic fracture of skull with intracranial haematoma evacuation ^ 36 Disc prolapse surgery Diskectomy with laminectomy 37 Excision of benign mediastinal lesion with ascertained evidence of thoracotomy

^ 38 Hernioplasty for external hernia with mesh repair 39 Major amputation (above or below knee / above or below elbow) 40 Major nerve repair with grafting to prevent muscle paralysis 41 Major replacement / reimplantation surgeries for reflux ureter 42 Open lobectomy of the lung Grade 2 Surgeries 15all insurance therein will cease immediately. You will then have 150 days to reinstate your policy by (a) providing evidence of insurability satisfactory to us on all lives to be reinstated and (b) paying all premiums in arrear plus interest. The premium paid by you up to Rs. 15,000 (Rs. 20,000 for senior citizens) per annum to insure yourself and / or your family, is eligible for tax benefit under Section 80D of the Income Tax Act, 1961, which is subject to amendments from time to time. Note that as per the current provisions of the Income Tax Act, 1961, you can avail additional tax benefit on the premium paid by you to insure your parent(s). This plan has no death or maturity benefit. Furthermore, this plan provides for no cash surrender value nor any policy loans. The 'standard annual premium' table and all terms & conditions are guaranteed throughout the policy term. We reserve the right to change the 'standard annual premium' table and / or terms & conditions applicable to any new BSLI Universal Health Plan, subject to IRDA prior approval. This right also applies to any new BSLI Universal Health Plan resulting from exercising the Guaranteed Insurability Health Benefit. We reserve the right to increase or decrease the 20% no-claim bonus applicable to the Universal Health Benefit in the future, subject to IRDA prior approval. Tax Benefit Death / Maturity Benefits

Contract Guarantees 14 LIST OF COVERED SURGERIES Grade 1 Surgeries 1 Block dissection of thoracic structures for cancers 2 Coronary angioplasty with stenting 3 Coronary artery bypass graft surgery 4 Cranioplasty 5 Craniotomy for excision of malignant brain tumours 6 Major organ transplantation including bone marrow transplant (kidney, lung, heart, heart-lung, liver) 7 Major reconstructive oro-maxillafacial surgery for trauma (not for cosmetic purposes) 8 Repair of cerebral or spinal arterio-venous malformations/cerebral aneurysms 9 Skin grafting treatment for third degree burns of more than 20% of BSA for second degree burns of more than 30% of BSA (25% of BSA for children less than 12 years of age) 10 Abdominoperineal resection 11 Craniotomy for benign cranial tumours / cysts 12 Excision of benign or malignant spinal cord tumours 13 Excision of malignant bone tumours with or without primary reconstruction 14 Gastroduodenostomy 15 Heart valve replacement using prosthesis via open heart surgery 16 Hemi / partial hepatectomy 17 Hemi / total colectomy 18 Major surgery of the aorta with graft 19 Major surgery of the pulmonary artery 20 Major surgical treatment for oropharangeal malignancy with radical neck dissection 21 Oesophagectomy / Oesophagogastrectomy

22 Partial / total pancreatectomy 23 Permanent pacemaker implantation 24 Radical / modified radical mastectomy with axilla clearance 25 Radical prostatectomy 26 Radical thyroidectomy # 27 Total hip replacement # 28 Total knee replacement 29 Trans sphenoidal surgery for intracranial lesions 30 Wertheim's operation (radical hysterectomy) 31 Whipples operation Grade 3 Surgeries 32 Anterior cruciate ligament reconstruction (arthroscopic / open) 33 Anterolateral decompresion and spinal fusion 34 Bypass procedure for inoperable cancer of pancreas 35 Craniotomy for traumatic fracture of skull with intracranial haematoma evacuation ^ 36 Disc prolapse surgery Diskectomy with laminectomy 37 Excision of benign mediastinal lesion with ascertained evidence of thoracotomy ^ 38 Hernioplasty for external hernia with mesh repair 39 Major amputation (above or below knee / above or below elbow) 40 Major nerve repair with grafting to prevent muscle paralysis 41 Major replacement / reimplantation surgeries for reflux ureter 42 Open lobectomy of the lung Grade 2 Surgeries

1543 Open nephrolithotomy 44 Open reduction with internal fixation of long bones of lower limb 45 Open surgery for hydatid cyst / ameobic abcess 46 Partial / total gastrectomy 47 Partial / total glossectomy 48 Partial / total nephrectomy # 49 Partial hip replacement 50 Resection and anastomosis of intestine 51 Surgical treatment of fracture neck femur with or without prosthesis 52 Thoracoplasty # 53 Total elbow joint replacement 54 Total laryngotomy 55 Total pharyngectomy 56 Vagotomy Grade 4 Surgeries 57 Any eye surgery for penetrating injury of the eye ^ 58 Cholecystectomy with or without chole biliary duct (CBD) exploration (open / lap) 59 Colporrhaphy / Colpoperinnioraphy 60 Evacuation of brain abscess / hematoma through burrhole surgery 61 Exploratory laparotomy 62 Facial nerve decompression @ 63 Hysterectomy (abdominal / vaginal / laparoscopic / pan) 64 Implant removal from long bones (upper / lower limb)

65 Open reduction with internal fixation of long bones of upper limb @ 66 Partial / total thyroidectomy 67 Percutaneous transluminal mitral valvulotomy / valvuloplasty 68 Posterior vitrectomy ^ 69 Prostatectomy (open / trans urethral resection of prostate -TURP) 70 Pyeloplasty for hydronephrosis 71 Retinal detachment surgery 72 Splenectomy 73 Surgical treatment for pseudocyst of pancreas # 74 Total shoulder joint replacement Grade 5 Surgeries ^ 75 Adenoidectomy ^ 76 Adenotonsillectomy 77 Appendicectomy (open / laproscopic) # 78 Arthrodesis for ankle / knee joint ^ 79 Cataract extraction with intraocular lens implantation 80 Corneal transplant 81 Cystoscopy and Basketting with / without stenting 82 Disarticulations / amputation of digits ^

83 Fistulectomy for high rectal fistula / complex fistulas ^ 84 Functional endoscopic sinus surgery (FESS) ^ 85 Herniotomy or Herniorrhaphy (open / laproscopic) 86 K-Wire fixation (hand or foot) ^ 87 Lithotripsy for renal or gall bladder calculi 88 Lumpectomy for benign breast disorders 16 89 Mastoidectomy with tympanoplasty ^ 90 Myomectomy 91 Open reduction and fixation of small bones of hand or foot 92 Operations for injuries of the bladder ^ 93 Ovarian cystectomy ^ 94 Septoplasty 95 Simple mastectomy / lumpectomy with axilla clearance for malignant tumours 96 Stapedectomy 97 Surgery for glaucoma 98 Temporary / permanent cholostomy as a stand alone procedure ^ 99 Tonsillectomy 100 Ureterolithotomy ^

101 Varicose vein stripping with / without sub-fascial ligation Until Guaranteed Insurability Health Benefit is Exercised From above list of Covered Surgeries: ^ Excluded. # Excluded only when for age related degenerative disorders. @ Excluded only when for benign conditions. and Arthrodesis for age related degenerative disorders Herniorrhaphy / Hernioplasty / Herniotomy Hydrocele / varicocele / spermatocele surgery Surgery for piles / fissure / fistula / rectal prolapsed Due to a pre-existing illness / condition unless stated in the application form and specifically accepted by the company and endorsed thereon Not taken from a recognised hospital / registered medical practitioner or not scientifically recognized Given by a family member or by oneself Conventionally and customarily carried out on an outpatient basis in an OPD / Hospital Casualty / Doctors clinic or at any place other than a hospital Received outside India Due to the life insured: - suffering from psychiatric / psychosomatic / mental disorders - suffering from any opportunistic condition associated with HIV / AIDS, AIDS Related Complex Syndrome (ARCS) or sexually transmitted diseases - performing duties as a serving member of a military, paramilitary or a police force - performing hazardous sports of any kind or flying other than as a passenger on a scheduled regular carrier EXCLUDED SURGERIES

NOT COVERED UNDER THIS PLAN Any treatment 1743 Open nephrolithotomy 44 Open reduction with internal fixation of long bones of lower limb 45 Open surgery for hydatid cyst / ameobic abcess 46 Partial / total gastrectomy 47 Partial / total glossectomy 48 Partial / total nephrectomy # 49 Partial hip replacement 50 Resection and anastomosis of intestine 51 Surgical treatment of fracture neck femur with or without prosthesis 52 Thoracoplasty # 53 Total elbow joint replacement 54 Total laryngotomy 55 Total pharyngectomy

56 Vagotomy Grade 4 Surgeries 57 Any eye surgery for penetrating injury of the eye ^ 58 Cholecystectomy with or without chole biliary duct (CBD) exploration (open / lap) 59 Colporrhaphy / Colpoperinnioraphy 60 Evacuation of brain abscess / hematoma through burrhole surgery 61 Exploratory laparotomy 62 Facial nerve decompression @ 63 Hysterectomy (abdominal / vaginal / laparoscopic / pan) 64 Implant removal from long bones (upper / lower limb) 65 Open reduction with internal fixation of long bones of upper limb @ 66 Partial / total thyroidectomy 67 Percutaneous transluminal mitral valvulotomy / valvuloplasty 68 Posterior vitrectomy ^ 69 Prostatectomy (open / trans urethral resection of prostate -TURP) 70 Pyeloplasty for hydronephrosis 71 Retinal detachment surgery 72 Splenectomy 73 Surgical treatment for pseudocyst of pancreas # 74 Total shoulder joint replacement Grade 5 Surgeries ^

75 Adenoidectomy ^ 76 Adenotonsillectomy 77 Appendicectomy (open / laproscopic) # 78 Arthrodesis for ankle / knee joint ^ 79 Cataract extraction with intraocular lens implantation 80 Corneal transplant 81 Cystoscopy and Basketting with / without stenting 82 Disarticulations / amputation of digits ^ 83 Fistulectomy for high rectal fistula / complex fistulas ^ 84 Functional endoscopic sinus surgery (FESS) ^ 85 Herniotomy or Herniorrhaphy (open / laproscopic) 86 K-Wire fixation (hand or foot) ^ 87 Lithotripsy for renal or gall bladder calculi 88 Lumpectomy for benign breast disorders 16 89 Mastoidectomy with tympanoplasty ^ 90 Myomectomy 91 Open reduction and fixation of small bones of hand or foot 92 Operations for injuries of the bladder

^ 93 Ovarian cystectomy ^ 94 Septoplasty 95 Simple mastectomy / lumpectomy with axilla clearance for malignant tumours 96 Stapedectomy 97 Surgery for glaucoma 98 Temporary / permanent cholostomy as a stand alone procedure ^ 99 Tonsillectomy 100 Ureterolithotomy ^ 101 Varicose vein stripping with / without sub-fascial ligation Until Guaranteed Insurability Health Benefit is Exercised From above list of Covered Surgeries: ^ Excluded. # Excluded only when for age related degenerative disorders. @ Excluded only when for benign conditions. and Arthrodesis for age related degenerative disorders Herniorrhaphy / Hernioplasty / Herniotomy Hydrocele / varicocele / spermatocele surgery Surgery for piles / fissure / fistula / rectal prolapsed Due to a pre-existing illness / condition unless stated in the application form and specifically accepted by the company and endorsed thereon Not taken from a recognised hospital / registered medical practitioner or not scientifically recognized

Given by a family member or by oneself Conventionally and customarily carried out on an outpatient basis in an OPD / Hospital Casualty / Doctors clinic or at any place other than a hospital Received outside India Due to the life insured: - suffering from psychiatric / psychosomatic / mental disorders - suffering from any opportunistic condition associated with HIV / AIDS, AIDS Related Complex Syndrome (ARCS) or sexually transmitted diseases - performing duties as a serving member of a military, paramilitary or a police force - performing hazardous sports of any kind or flying other than as a passenger on a scheduled regular carrier EXCLUDED SURGERIES NOT COVERED UNDER THIS PLAN Any treatment 17- being under the influence of intoxicating drugs and / or alcohol - committing any breach of law - intentionally injuring oneself, whether arising from an attempt to commit suicide

or otherwise For any surgery undertaken to correct congenital or hereditary diseases / internal or external physical defects For any surgical procedure which is purely cosmetic or experimental in nature For any birth control procedures and / or hormone replacement therapy For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization For a sex change operation For an organ transplant where the life insured is the donor For convalescent care, rest care, hospice care, rehabilitation or similar treatment. For non-allopathic treatment even if administered and / or recommended by an allopathic medical practitioner For circumcision unless necessary for treatment of a disease (not otherwise excluded in the policy) or necessary due to an accident Due to terrorism, war, invasion, act of foreign enemy, war like operations whether war be declared or not Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials, whether directly or indirectly Hospital means any institution established for indoor or in-patient care and day care treatment of sickness and / or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under: Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock; Has fully qualified doctor(s) in charge round the clock;

Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to the Companys authorised personnel Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Any hospital admission Any claim IMPORTANT DEFINITIONS Hospital

18 19- being under the influence of intoxicating drugs and / or alcohol - committing any breach of law - intentionally injuring oneself, whether arising from an attempt to commit suicide or otherwise For any surgery undertaken to correct congenital or hereditary diseases / internal or external physical defects For any surgical procedure which is purely cosmetic or experimental in nature For any birth control procedures and / or hormone replacement therapy For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization For a sex change operation For an organ transplant where the life insured is the donor For convalescent care, rest care, hospice care, rehabilitation or similar treatment. For non-allopathic treatment even if administered and / or recommended by an allopathic medical practitioner For circumcision unless necessary for treatment of a disease (not otherwise excluded in the policy) or necessary due to an accident Due to terrorism, war, invasion, act of foreign enemy, war like operations whether war be declared or not Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials, whether directly or indirectly Hospital means any institution established for indoor or in-patient care and day care treatment of sickness and / or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under: Has at least 10 inpatient beds, in those towns having a population of less than

10,00,000 and 15 inpatient beds in all other places; Has fully qualified nursing staff under its employment round the clock; Has fully qualified doctor(s) in charge round the clock; Has a fully equipped operation theatre of its own where surgical procedures are carried out; and Maintains daily records of patients and will make these accessible to the Companys authorised personnel Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. Any hospital admission Any claim IMPORTANT DEFINITIONS Hospital

 18 19Intensive Care Unit (ICU) Day in Hospital and / or in ICU Intensive Care Unit means a section, ward or wing of a Hospital which is under the constant supervision of an intensive care unit specialist, and which is specially equipped for the treatment of patients requiring intensive care who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. Means a period of a full 24 hours during a period of confinement. The first Day of confinement shall commence at the time of admission to the Hospital / ICU and each subsequent Day of confinement shall commence 24 hours after the commencement of the previous Day of confinement. In the event of the time of discharge of the life insured from Hospital / ICU being more than 12 hours, but less than 24 hours from the end of the previous Day of confinement, then the day of discharge shall also be regarded as a Day. 20 PLEASE READ Free-Look Period Section 41 of the Insurance Act, 1938 Section 45 of the Insurance Act, 1938 DISCLAIMERS You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid by you till date once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents.

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take 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. No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application. This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI

Insurance Advisor or visit our website and see how we can help in making your dreams come true. 21Intensive Care Unit (ICU) Day in Hospital and / or in ICU Intensive Care Unit means a section, ward or wing of a Hospital which is under the constant supervision of an intensive care unit specialist, and which is specially equipped for the treatment of patients requiring intensive care who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards. Means a period of a full 24 hours during a period of confinement. The first Day of confinement shall commence at the time of admission to the Hospital / ICU and each subsequent Day of confinement shall commence 24 hours after the commencement of the previous Day of confinement. In the event of the time of discharge of the life insured from Hospital / ICU being more than 12 hours, but less than 24 hours from the end of the previous Day of confinement, then the day of discharge shall also be regarded as a Day. 20 PLEASE READ Free-Look Period Section 41 of the Insurance Act, 1938 Section 45 of the Insurance Act, 1938 DISCLAIMERS You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will refund all premiums paid by you till date once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents. No person shall allow or offer to allow, either directly or indirectly, as an inducement to

any person to take 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. No policy of life insurance effected after the coming into force of this act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application. This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-participating traditional health insurance plan. All terms & conditions are guaranteed during the 3-year policy term. BSLI reserves the right to recover levies such as the Service Tax and Education Cess levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains only the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams

come true. 2122 ABOUT BIRLA SUN LIFE INSURANCE ABOUT ADITYA BIRLA GROUP ABOUT SUN LIFE FINANCIAL INC. Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerates and Sun Life Financial Inc, leading international financial services organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to the growth and development of the Indian Life Insurance industry and currently is on of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovation. BSLI offers a complete range of pension, health and life insurance products and has an extensive reach in over 1500 markets through its network of 600 branches and 1,64,423 empanelled advisors. This is well supported by the sound financials that the Company has. The AUM of BSLI surpassed Rs. 9,168 crs and it has a robust capital base of over Rs. 1,999.5 crs as on March 31, 2009. For more information, please visit www.birlasunlife.com A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging to 25 different nationalities. The group operates in 25 countries across six continents truly India's first multinational corporation. Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence across various financial services verticals that include life insurance, fund management, distribution & wealth management, security based lending, insurance broking, private equity and retail broking. In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs, registering a growth rate of 36%.

For more information, please visit www.adityabirla.com Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial group of companies had total assets under management of $375 billion. 2322 ABOUT BIRLA SUN LIFE INSURANCE ABOUT ADITYA BIRLA GROUP ABOUT SUN LIFE FINANCIAL INC. Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerates and Sun Life Financial Inc, leading international financial services organization from Canada. With an experience of over 9 years, BSLI has contributed significantly to the growth and development of the Indian Life Insurance industry and currently is on of the leading life insurance companies in the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovation. BSLI offers a complete range of pension, health and life insurance products and has an extensive reach in over 1500 markets through its network of 600 branches and 1,64,423 empanelled advisors. This is well supported by the sound financials that the Company has. The AUM of BSLI surpassed Rs. 9,168 crs and it has a robust capital base of over Rs. 1,999.5 crs as on March 31, 2009. For more information, please visit www.birlasunlife.com A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500 worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging to 25 different nationalities. The group operates in 25 countries across six continents

truly India's first multinational corporation. Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a strong presence across various financial services verticals that include life insurance, fund management, distribution & wealth management, security based lending, insurance broking, private equity and retail broking. In FY 2008-09, the consolidated revenues of ABFSG from these businesses crossed Rs. 4763 crs, registering a growth rate of 36%. For more information, please visit www.adityabirla.com Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial group of companies had total assets under management of $375 billion. 23Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Reg. No. 109 Unique No.: 109N040V01 ADV/09/08-09/2045 VER 3/FEB/2010 Can your health plan pay both your hospital bills and dentists fees? Universal Health Plan Birla Sun Life Insurance Guarantees a health and wellness cover for you and your family Call Toll-free: 1-800-270-7000 www.birlasunlife.com sms HEALTH to 56161 24 1