Insurance Service

ICICI Lombard’s Hospital cash Insurance is an affordable product specifically designed to us to cater incidental expenses which occurs at the time of hospitalization. As such this product is targeted to act as a cushion to all unanticipated expenses by giving a daily payout in the event of hospitalization over and above health insurance plan.

Features of Hospital cash Insurance

1. Per day payout on completion of each 24 hours of hospitalization.

2. Easy Claim Process

3. Minimum Documentation

Conditions

1. 30 Days Waiting Period

2. Pre-existing diseases will be covered only after 24 months

3. Age of Entry: 18 – 65 years

4. Policy Tenure: 1 Year

5. No of Days claimable in a year: 60 days

6. Sum Insured: Rs. 1000 Per day

7. Permanent Exclusion & Compulsory 24 months waiting period diseases Sum Insured and Premium detail Cover

SBI Life - Smart Platina Assure is an Individual, Non-linked, Non-participating, Life Endowment Assurance Savings product.

You have accomplished what you aimed for and are a true champion. You take smart decisions to ensure that you always stay one step ahead in life. One such smart choice for champions like you is choosing the right savings plan which minimizes risk and assures a guaranteed return while providing a life insurance cover. We at SBI Life understand this and are pleased to Introduce SBI Life - Smart Platina Assure, an individual, nonlinked, non-participating life endowment assurance savings product which assures guaranteed returns with an advantage of paying premium for limited term. This smart product will ensure your money works harder while you work hard for your family and also give you peace of mind. This product is also available for sale online.

Key Features

1. Get Life cover along with Assured return

2. Enjoy Guaranteed Additions^ of 5.75% or 6.25% at the end of each policy year

3. Pay for just 7 or 10 years and enjoy the benefit throughout the policy term of 15 or 20 years respectively

4. Option to choose Monthly or Yearly premium payment frequency,as per convenience

5. Avail tax benefits* as per the prevailing norms under the Income Tax Act, 1961

Now we can do direct vehicle Insurance renewal itself at the branch through ICICI Lombard Insurance portal, we can accept the premium in cash mode, cash accepting cut off time up to 4 pm (9.30 am to 4pm)

All vehicle renewal and New vehicle Insurance also available

Three type Vehicle insurance are available

1. Comprehensive or Full cover

2. Third party or Liability cover

3. Bumper to Bumper or Zero Depreciation cover

Promise your child an independent tomorrow Child Plans With Insurance Smart Champ

As a parent, your role in your child's life is of utmost importance. You act as a guardian, advisor, mentor, friend, companion, role-model etc. to your child. The unconditional love and sense of responsibility that you have for your child is irreplaceable. However, life is full of uncertainties and as a responsible parent you would want to ensure that
your child's present and future needs are addressed in good times and bad, whether you are around or not. We at SBI Life Insurance, help you ensure your child's security and prosperity so that he/she will be able to pursue his/her dreams and ambitions whether you are around or not. SBI Life - Smart Champ Insurance, an individual, nonlinked,
participating, life insurance savings product, is designed to protect your child's future educational needs.

About SBI Life - Smart Champ Insurance

1. SBI Life -Smart Champ Insurance is designed to meet your objectives and concerns as a parent - saving for your child's education and securing their bright future against the uncertainties of life. The nominee at the point of sale must be a child whose interest you want to protect.

2. SBI Life - Smart Champ Insurance has assured benefits which are payable during the term of the policy. In addition, it is a participating policy and will accrue bonuses, if declared at the end of every policy year till the child completes 18 years of age and a final terminal bonus, if declared.

3. SBI Life - Smart Champ Insurance provides the insurance cover to the proposer, who will be the life assured and the policyholder, for death and accidental total permanent disability (ATPD) throughout the term of the policy. The ATPD benefit is accelerated, hence the insured event is death or ATPD, whichever is earlier. On occurrence of the insured event, the contingent benefits are payable to the beneficiary and the insurance cover will cease thereafter.

Key Features (For In-force Policy)

1. Education Needs: Guaranteed Smart Benefits are payable in four equal annual installments after the child st attains 18 years of age till he/she turns 21 years of age, i.e. at the end of each of last 4 policy years. 1 nd rd installment, 2 installment, 3 installment and last installment of Smart Benefits are payable at the end of the policy year in which the child completes 18, 19, 20 and 21 years of age respectively. Each installment of Smart Benefits will consist of 25% of the basic sum assured and 25% of the vested simple reversionary bonuses, if declared. Terminal bonus, if declared, will be paid along with the last installment of Smart Benefits. This ensures your child's higher educational needs are met.

2. Triple Protection for your child, in case of an unfortunate insured event any time during the term of the policy: o Immediate Payment: "Sum Assured on insured event" is payable as a lump sum on the occurrence of the insured event.

o Waiver of Due Premium: To ensure that your family is not financially burdened in your absence, all the future premium installment(s), if any, will not be required to be paid under the policy. The policy continues to accrue bonuses, if declared.

o Smart Benefit: Due installment(s) of Smart Benefits are payable. Terminal Bonus, if declared, will be paid along with the last installment of Smart Benefits.

3. Option to pay One-time Premium (Single Premium Policy - SP Policy) or Limited Premium (Limited Premium

4. Payment Term Policy - LPPT Policy).

5. Option to receive the discounted value of the future due installment(s) of Smart Benefits plus the Terminal Bonus, if declared, in a lump sum amount during last 3 policy years.

A value for money plan that empowers your dreams.

SBI Life - Saral Swadhan Plus is an Individual, Non-Linked, Non-Participating, Life Insurance Savings Product with Return of Premium feature. This product gives you a fixed life cover throughout the policy term along with a guaranteed maturity benefit.

Key Highlights

1. Protection at an affordable cost - Choose the premium amount you wish to pay; correspondingly your Life cover will be decided based on the age at entry and the policy term.

2. Value for Money - At maturity, you will get guaranteed benefit of 100% or 115% of the total premiums paid depending on the policy term of 10 or 15 years respectively.

3. Easy enrolment - Your enrolment will be based on a simplified proposal form.

ICICI Lombard's Health AdvantEdge is a holistic policy designed to cater to your healthcare as well preventive care needs at all stages.

Key Benefifits

Sum Insured Upto 3 crores- Providing flexibility to avail a covering as per need

Worldwide Cover- Get the cover for planned treatment along with emergency treatment.
Claim Protector-Coverage for items that are not otherwise payable by us under your claim guaranteed payment for consumables like gloves, masks etc.
No Zone based copayment-Pay the premium depending on your city of residence without worrying about zone based copayment.
Guaranteed Cumulative Bonus
Preventive Health Check-up-Identify potential health issues early and prevent or detect diseases.
Reset Benefifit-Facility to restore your balance sum insured.
Domestic Air Ambulance cover-Air ambulance expenses to transfer you to the nearest hospital for emergency care.
Age based pricing-Gradual premium increment on yearly basis.
Tax Benefifit^-You can avail tax benefit on premium paid as per section 80D.

Power of Inf inite Care

Welcome to an entirely new way of securing your family’s heathcare goals.

Imagine a health insurance cover that mirrors the boundless love and care you show your family.
Elevate makes this vision a reality. As a revolutionary product, granting you the power to customise your protection and express your infinite care in ways never possible before.

Infinite Sum Insured
Never run out of cover when you choose Infinite Sum Insured. The hassle of limited coverage will then be a thing of the past.

Infinite Claim Amount
Get one-time infinite claim amount for your selected claim with Infinite Care add-on*1. Sounds unreal, but it’s true!

Jumpstart
We care about you. Even if you have pre-existing diseases like Asthama, Diabetes, Hypertension, Obesity etc., you can get your waiting period reduced to 30 days.

Wellness Programs*3
Stay fit and get rewarded with a discount of up to 30% on your renewal premium.

BeFit*4
A 100% cashless digital solution for your out-patient healthcare needs ranging right from consultations to minor procedures serviced by IL Take Care app.

Inflation Protector*5
Your sum insured year on year will beat inflation irrespective of the claims you make.

Claim Protector*6
Covers non-payable expenses in a claim such as gloves, masks to protect you from unnecessary out of pocket expenses and for a seamless claims experience.

Coverage Details

Day Care Treatment
Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization. The complete list is available on our website www.kotakgeneral.com.

Pre and Post-Hospitalization Medical Expenses
Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.

In-patient Treatment
Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered.

Restoration Benefit
There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been made for the same Insured Person.

Illustration: (Policy Base Sum Insured - 5 lacs)

Plan: Total
The fast paced world we live in and the constant race against time, we generally tend to overlook our health. With ur comprehensive health insurance policy , we not only secure your health but also reward you for your healthy behavior. Now you can earn reward points for being fit & healthy and redeem these points against various health related ervices (For more details on terms of redemption please refer to the policy wordings which are available on the website of he company).

Plan Highlights

Health and Rewards
Restoration Benefit 
No Reduction in Cumulative Bonus# 
Zone based pricing 
Annual Health Check-up

Plan USP’s`

• Cover for 405 Day Care Treatments.
• Restoration of 100% of Base Sum Insured :
• In case if Sum Insured gets insufficient for future unrelated illness.
• Immediate restoration in case of accident related claims.
• Cataract-Upto 10% of base Sum Insured & max of `1,00,000 per eye per policy period.
• Ambulance charges per policy basis.
• Second E-opinion is available.
• Wide Range of optional covers to opt from like Compassionate Visit, Home Nursing Benefit, Critical Illness etc.

Waiting Period / Exclusions

For a smooth and hassle-free claims experience, it is important to understand the exclusions/waiting period in your policy.
30 Day Waiting Period
Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident.
This exclusion doesn't apply if the Insured Person has Continuous Coverage for more than twelve months.
Specified disease / procedure waiting period
This includes medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout etc. during the first 2 consecutive years
of the commencement of the policy.
Pre-existing Disease Waiting Period
Any Pre-Existing Disease will not be covered until waiting period as per Plan opted for as elapsed.
Permanent Exclusions
Treatment for Alcoholism, drug or substance abuse, Intentional self-injury, cosmetic surgery, Expenses related to any unproven treatment, Expenses related to sterility and infertility, Claims related to breach of law with criminal intent.
For a complete list of permanent exclusions, please refer to the policy wordings.

Pre-Policy Medical Checkup

• The customer might have to undergo Medical Tests based on the underwriting guidelines issued by the company from time to time.
• Medical Tests will be facilitated by us and conducted at our network of diagnostic centers. The validity of such tests will be up to 30 days.
• The details of the medical test and the centre at which such tests shall be conducted will be informed to you before the medical examination.