Birla Sun Life Insurance Company

Birla Sun Life Insurance Company is a joint venture between Aditya Birla Group that is a known and globally trusted brand in India and abroad and Sun Life Financial Inc that is a leading international finance services organization from Canada.

One extremely comprehensive health insurance plan is the Birla Sun Life Insurance Saral Health Plan. The EXCLUSIVE FEATURES of this plan are:

· It covers hospitalization expenses

· It also covers expenses incurred due to critical illnesses

· BSLI Saral Health Plan also takes care of routine health care expenses during the policy term

· There are no medical tests required to take the plan

· The policyholder will receive a daily fixed cash benefit of Rs.2000 for hospitalization without surgery; Rs.4000 for hospitalization with surgery and Rs.8000 for surgeries related to brain, heart, liver or lungs

· If the policyholder is diagnosed with a critical illness then s/he will get Rs.20000 times the policy year in which the critical illness has been diagnosed. For example if the critical illness is diagnosed in the first year then the policyholder will get Rs.20000. If the critical illness is diagnosed in the third year then the policyholder gets Rs.60000

· But the critical illness benefit is payable only once during the health insurance benefit term and the life insured must survive at least 30 days from the date of diagnosis

· If the policyholder is diagnosed with a terminal illness, s/he can claim full fund value of the policy without providing bills against it

· In case of the unfortunate death of the policyholder, the nominee gets the fund value

PREMIUMS:

There are three payment options in the BSLI Saral Health Plan, 10 payments for 10-year term, 10 payments for 20-year term and 20 payments for 20-year term.

MALE ENTRY AGE	FEMALE ENTRY AGE	10 PAY/10 TERM	10 PAY/20 TERM	20 PAY/20 TERM
18 -25	18 – 27	11859/-	13928/-	12405/-
26	28	11886/-	14055/-	12478/-
27	29	11912/-	14200/-	12560/-
28	30	11937/-	14357/-	12652/-
29	31	11965/-	14530/-	12755/-
30	32	11999/-	14719/-	12871/-
31	33	12036/-	14908/-	12992/-
32	34	12081/-	15117/-	13126/-
33	35	12133/-	15343/-	13274/-
34	36	12191/-	15588/-	13435/-
35	37	12254/-	15861/-	13613/-
36	38	12329/-	16168/-	13811/-
37	39	12416/-	13507/-	14028/-
38	40	12517/-	16879/-	14267/-
39	41	12629/-	17285/-	14529/-
40	42	12750/-	17731/-	14815/-
41	43	12871/-	18220/-	15127/-
42	44	13001/-	18751/-	15468/-
43	45	13140/-	19318/-	15833/-
44	46	13290/-	19919/-	16224/-
45	47	13457/-	20562/-	16643/-
46	48	13636/-	21243/-	17088/-
47	49	13828/-	21960/-	17559/-
48	50	14034/-	22710/-	18055/-
49		14256/-	23520/-	18581/-
50		14504/-	24415/-	19142/-

A service tax of 10.3% will be added to the entire premium amounts mentioned in the table to arrive at the final premium.

BSLI health insurance plans can be bought from their website www.birlasunlife.com.

The EXCLUSIONS of this plan are as under:

· Any sickness related condition manifesting itself within 90 days from the effective date of the policy or revival thereof whichever is later. Only claims in respect of injuries caused by accidents will be payable during this 90-day waiting period

· Any pre-existing disease and its complications

· AIDS, HIV related complications or any sexually transmitted diseases

· Attempted suicide or self inflicted injury, irrespective of the mental condition

· Hazardous sports or activities included but not limited to bungee jumping, mountaineering, etc

· Any flying activity other than as a bonafide passenger

· Under the influence of alcohol, drugs or any substance not prescribed by a general practitioner

· War, terrorism, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war

· Criminal, unlawful or illegal activity participation

· Exposure to radioactive or nuclear fuel

· Diagnosis or treatment taken outside India

· Psychiatric or mental illness

· Circumcision, cosmetic procedures or plastic surgery

· Pregnancy, childbirth or its complications, abortions, medical termination of pregnancy, infertility or sex change operation

· Organ donation

· Rehabilitation of convalescent care of length beyond customary length of stay

· Congenital conditions, genetic disorders or birth defects

· Dental treatment except if arising from an accident

· Non-allopathic treatment

· Purely investigative procedure not resulting in any treatment or unreasonable failure to seek medical advice

EXCLUSIONS but only for the first two policy years are as under:

· Hernia repair

· Corrective procedure for gall stones

· Corrective procedure for kidney or urinary tract stones

· Discectomy and laminectomy

· Herni/partial thyroidectomy

· Corrective procedure for anal fistula or anal fissure

· Removal of uterus, fallopian tube and/or ovaries, except for malignancy

· Corrective procedure for fibroids, uterine prolapse or dysfunctional uterine bleeding

· Corrective procedures for haemorrhoids

The ADVANTAGES of buying a health insurance plan from BSLI are:

· The premium that one pays helps create a fund that the policyholder can start using from the 6^th year onwards to cover routine health and medical related expenses over the entire life.

· The expenses mentioned above include dental care, general practitioner fees, etc

· To get the amount reimbursed the policyholder just needs to produce the bills of the expenses made

· Like in life insurance products, the fund value of the policy increases at the end of the term in the form of Guaranteed Additions that give additional amount to take care of the health care expenses

· This is a unit linked health insurance plan

Birla Sun Life Insurance Company

The BSLI Health Plan is a plan that covers a policyholder in addition to any other health plan including medi-claim policies that an individual may have.

The FEATURES of this plan are:

· Only photocopies of the bills need to be submitted to take a claim against this plan

· It is a 3-year plan that gives benefits in the present as well as the futur0065

· Medical tests will be done at the time of issuing the policy, however subsequent renewal after 3 years is guaranteed without a medical test

· No waiting period, no deductible, no excluded surgeries

· Fixed amount of Rs.1000 per day in hospital plus Rs.1000 per day in ICU

· Fixed amount based on grade of covered surgery – Rs.1 lac, Rs.50000, Rs.25000, Rs.15000 and Rs.10000

· If surgery is not listed in covered surgeries then a fixed amount of Rs.2000 per day in hospital plus Rs.1000 per day in ICU

ELIGIBILITY

· This plan gives a guaranteed cover till the policyholder is 80 years of age

· It can be renewed till the policyholder and her/his spouse have attained 78 years of age

· Children can be covered under the same policy till they are 23 years old

The EXCLUSIONS to this policy are as under:

Any treatment

· Due to pre-existing illness/condition unless stated in the form

· Not taken from a recognized hospital

· Given by a family member or by oneself

· Conventionally and customarily carried out on an outpatient basis in an OPD/clinic other than a hospital

· Received outside India

Due to life insured

· Suffering from psychiatric/psychosomatic/mental disorders

· Suffering from any opportunistic condition associated with HIV/AIDS/sexually transmitted disease

· Performing duties as a serving member of a military or armed force

· Performing hazardous sports of any kind

· Being under the influence of intoxicating drugs or alcohol

· Committing any breach of law

· Intentionally injuring oneself

Any hospital admission

· For any surgery undertaken to correct congenital or hereditary disease/internal or external physical defects

· For any surgical procedure that is purely cosmetic

· For any birth control procedures or hormone replacement therapy

· For pregnancy and childbirth, abortion and its consequences, tests and treatment relating to infertility and in-vitro fertilization

· For an organ transplant where the life insured is the donor

· For convalescent care, rest care, rehabilitation or similar treatment

· For non-allopathic treatment

· For circumcision unless necessary for treatment of a disease

Any claim

· Due to terrorism, war, invasion, act of foreign enemy, etc

· Due to exposure to radioactive, explosive or hazardous nature of nuclear fuel materials

The ADVANTAGES of buying this policy are:

· Cashless facility

· 5300 network hospitals across the country to take treatment from

· Free medical second opinion from the world’s leading second opinion provider

· There is a spousal continuation health benefit where if the principal dies, the spouse will automatically become the principal insured and the policy continues uninterrupted