Lifeline Health Insurance Plans Overview

Slide Note

Lifeline health insurance plans offer comprehensive coverage for individuals and families. The Classic plan provides coverage for up to 4 lacs while the Supreme plan offers coverage up to 50 lacs. Key features include inpatient care, pre and post-hospitalization expenses, day-care procedures, Ayush treatment, ambulance services, and more. Both plans come with options for enhancements such as top-up plans and hospital cash benefits. Geographic pricing divides coverage into two zones for cost considerations. Choose the Lifeline plan that suits your healthcare needs best.

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Product Construct Lifeline Lifeline Base Cover Classic SI 2,3,4 lacs Supreme Elite SI 5,10,15,20,50lacs SI 25, 30,50,100,150lacs Classic Supreme Inpatient All Day Care Procedure Pre & Post Hospitalization Organ Donor Expenses Domiciliary Treatment Emergency Ambulance Re-load of Sum Insured Ayush Treatment No Claim Bonus Health Check-up ( once in 2 yrs) Vaccination for Animal Bite Health & Wellness PED 4 years International Treatment for 11 Critical Illness Worldwide Emergency Hospitalization 2nd Opinion for CI Emergency Domestic Evacuation PED 2 years PED 3 years 10% Higher NCB Maternity Benefit Annual Health check up OPD Benefit Lifeline Customer Level Options 1. US/Canada option for worldwide emergency hospitalization & international treatment for 11 CI 1. Top up plan on annual deductible basis 1. Top up plan on annual deductible basis 2. Hospital cash 2. Hospital cash Note - Geographic pricing Entire country is divided into 2 Zones (Zone 1 - 7 metros and Gujarat State, Zone 2 Rest of India) . Premium in Zone 2 is lower than Zone 1 by 15% as cost of treatment is lower in non metros 2. Hospital Cash 2

Lifeline Classic Features Benefit Key Features Sum Insured Inpatient Care Pre and post hospitalization expenses All Day care procedures 2/3/4 Lacs No room rent cap Covered upto SI All day care procedures covered 30/60 days, Covered upto SI Ayush treatment Covered upto SI Vaccination for animal bite Ambulance Cover Upto Rs.3000 Organ donor expenses covered upto SI Organ Donor Expenses Covered upto SI Domiciliary Hospitalization Covered upto SI 10% of Base Sum Insured upto a max of 50% Upto base SI Government Hospitals - Covered upto SI; Other Hospitals Covered upto Rs.20,000 Upto Rs.2500 10% NCB every year upto max of 50% No Claim Bonus Pre & post covered upto SI Re-load of Sum Insured Reload benefit Incase SI including NCB is exhausted by insured and he is admitted for a different illness then the SI is automatically reloaded upto 100% of base SI. Reload in family floater is applicable to the entire family Ayush Treatment Vaccination in case of Animal Bite Customer level options 1. Top-up plan on annual aggregate basis 2. Hosptial Cash (for 30 days in case of hospitalization beyond 2 days) Deductible of Rs.1,2,3,4,5 and 10 lacs Rs.1000/day 3

Lifeline Supreme Features Benefit Key Features Sum Insured 5/10/15/20/50 Lacs No room rent cap Inpatient Care Pre and post hospitalization expenses All Day care procedures Covered upto SI All day care procedures covered 60/90 days, Covered upto SI Ayush treatment Covered upto SI Vaccination for animal bite Ambulance Cover Upto Rs.5000 Organ donor expenses covered upto SI Organ Donor Expenses Covered upto SI 20% NCB every year upto max of 100% Domiciliary Hospitalization Covered upto SI No Claim Bonus 20% of Base Sum Insured upto a max of 100% Annual Health Check up Re-load of Sum Insured Upto base SI Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000 Emergency domestic evacuation Ayush Treatment Pre & post covered upto SI Vaccination in case of Animal Bite Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) Reload benefit Upto Rs.5000 Second opinion for 11 Critical illness Covered upto Rs.100,000 PED waiting period 3 years Customer level options 1. Top-up plan on annual aggregate basis 2. Hosptial Cash (for 30 days in case of hospitalization beyond 2 days) Deductible of Rs.1,2,3,4,5 and 10 lacs Rs.2000/day 4

Lifeline Elite Features Benefit Key Features Sum Insured 25/30/50/100/150 Lacs No room rent cap Inpatient Care Covered upto SI Pre and post hospitalization expenses 60/180 days, Covered upto SI All day care procedures covered All Day care procedures Covered upto SI Ayush treatment Ambulance Cover Upto Rs.10000 Organ Donor Expenses Covered upto SI Vaccination for animal bite Domiciliary Hospitalization Covered upto SI Organ donor expenses covered upto SI No Claim Bonus 20% of Base Sum Insured upto a max of 100% 20% NCB every year upto max of 100% Re-load of Sum Insured Upto base SI Government Hospitals - Covered upto Sum Insured; Other Hospitals - Covered upto Rs.50,000 Upto Rs.7500 Annual Health Check up Ayush Treatment Emergency domestic evacuation Vaccination in case of Animal Bite Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) Pre & post covered upto SI Covered upto Rs.300,000 50% of Base Sum Insured upto max of Rs.20lacs; Deductible of $1,000 per hospitalization Reload benefit Worldwide Emergency Hospitalization (excluding US and Canada) Second opinion for 11 Critical illness International Treatment abroad for specified 11 CI(excluding US and Canada) OPD Covered upto SI;Airfare covered upto Rs.3 lac Worldwide emergency hospitalization Covered upto Rs.10000 Maternity covered upto Rs.2.5 Lacs; New born cover upto Rs.37.5 Lacs;1st year Vaccinations for new born- Rs.10000 Customer level options International treatment for 11 CI Maternity cover upto 2 deliveries Maternity & OPD covered PED waiting 2 years 1. Include US/Canada for worldwide emergency hospitalization & international treatment for 11 CI 2. Hosptial Cash (for 30 days in case of hospitalization beyond 2 days) Available Rs.5000/day 5

Key Differentiating Features No Room rent capping No deduction in claim because of room rent No Disease specific sub-limits for eg, no sub-limits on cataract treatment, etc Reload of Sum Insured Doubling the sum insured (in case of different illness for same insured or different insured person) at no extra cost Accelerated No Claim Bonus Doubling the Sum Insured in 5 claim free year in Supreme & Elite Plan and 1.5 times in case of Classic Plan. No Reduction of No Claim Bonus earned in case of claim in any particular year Vaccination in case of Animal Bite Geography based Pricing Zone 2 customers are charged 15% less compared to Zone 1 Health & Wellness Benefit including Free Health Check-up (Annually in Supreme & Elite, Once in 2 years in Classic Plan) International Coverage including return Air Fare (covered in Elite Plan) Maternity & OPD Treatment (covered in Elite Plan) 10. Comprehensive coverage like All Day Care Procedures, Organ Donor , Pre & Post Hospitalization, etc covered upto Sum Insured 1. 2. 3. 4. 5. 6. 7. 8. 9. 6

Key Policy Criteria Entry Age: Child 91days to 25 years Adult 18 years onward Policy Type Individual Family Floater (relationship between insured should be Self, Spouse and upto 4 children) Policy Tenure 1 year, 2 years and 3 years. Get discount of 7.5% and 12% in case of 2 years or 3 years respectively Lifetime Renewability Geographic pricing Entire country is divided into 2 Zones and premium varies as per customer Zone. Zone 2 customers get 15% discount in premium Zone 1 Delhi/NCR, Mumbai (including Thane, Vashi, etc), Bengaluru, Hyderabad, Chennia, Pune, Kolkata and Gujarat State Zone 2 Rest of India) 7

Waiting periods and exclusions (1/2) Initial Waiting Period We will not cover any treatment taken during the first 30 days since the commencement of the Policy, unless the treatment needed is a result of an Accident. This waiting period does not apply for any subsequent and continuous renewals of Your Policy. For Cirtical Illness Benefit (in Supreme & Elite), the initial waiting period is of 90 days 17 specified conditions not covered for first 2 Years 1. 2. Stones in biliary and urinary systems Lumps / cysts / nodules / polyps / internal tumours Gastric and Duodenal Ulcers Surgery on tonsils / adenoids Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse Cataract Fissure / Fistula / Haemorrhoids Hernia / Hydrocele Chronic Renal Failure or end stage Renal Failure 10. Sinusitis Tympanoplasty / Chronic Suppurative Otitis Media 11. Benign Prostatic Hypertrophy 12. Knee/Hip Joint replacement 13. Dilatation and Curettage 14. Varicose veins 15. Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis 16. Diabetes and related complications 17. Hysterectomy for any benign disorder / Deviated Nasal Septum / 3. 4. 5. 6. 7. 8. 9. 8

Waiting periods and exclusions (2/2) Pre-Existing Conditions Classic 4 years Supreme 3 years Elite 2 years Permanent Exclusions Addictive conditions and disorders; Adventurous or Hazardous Sports; Ageing and puberty; Alternative Treatment; Ancillary Hospital Charges; Artificial life maintenance; Charges for Medical Papers; Circumcision; Conflict and Disaster; Congenital conditions; Convalescence and Rehabilitation; Cosmetic surgery; Dental/oral treatment; Drugs and dressings for OPD Treatment or take-home use; Eyesight; Health hydros, nature cure, wellness clinics etc.; HIV and AIDS; Hereditary conditions (specified); Hospitalization undertaken for observation or for investigations only; Items of personal comfort and convenience; Psychiatric and Psychosomatic Conditions; Obesity; OPD Treatment; Preventive care; Reproductive Medicine; Self-inflicted injuries; Sexual problems and gender issues; Sexually transmitted diseases; Sleep disorders; Speech disorders; Stem Cell Implantation; Treatment for Alopecia; Treatment for developmental problems; Treatment received outside India; Unproven/Experimental Treatment; Unrecognized physician or Hospital; Unrelated diagnostic, X-ray or laboratory examinations; Unlawful Activity; Any costs or expenses specified in the List of Expenses Generally Excluded as Annexure II in Policy Wording 9

Policy Issuance Process Is policy straight pass on following 5 criteria Yes Policy dispatched to customer at T+7 Underwriting Criteria 1. Sum Insured >=10lacs 2. Age >= 46 years 3. Any yes to 6 medical questions in proposal form 4. All Portability proposal (external as well as internal) 5. Body Mass Index >= 33 TVS FOS submits proposal form, documents and payment at branch ops Operations team enters details in policy issuance system No Policy received by customer T+9-T+12 Yes No Case rejected, customer informed Policy approved PPMC No Yes Case flows to medical underwriting team who calls customer & asks 15-20 health questions Policy dispatched to customer at T+12, T+25 Policy received by customer T+14-T+25 10

Example of Lifeline VS United India Lifeline United Family Medicare Age-45 years SI-3 Lacs Premium Rs. 10,406 (Zone 2 Cochin, Calicut, etc) (for a family combination of 2 Adult + 2 Children) Age-45 years SI-3 Lacs Premium Rs.11,149 (for a family combination of 2 Adult + 2 Children) Customer admitted for Kidney Stone @ Aster Medicity with room rent of Rs.4000. Customer admitted for Kidney Stone @ Aster Medicity with room rent of Rs.4000. Room rent cap of 1%, ie.Rs.3000 No room rent capping under Lifeline Cost of treatment Rs.80,000 Cost of treatment Rs.80,000 Claim paid by Star Health- Rs.60,000 Claim paid by RS under Lifeline- Rs.80,000 The premium paid in Zone 2 is lower than United and due to no room rent cap, entire amount is paid in case of claim 11

Lifeline Premiums Individual Age 30 35 40 45 50 55 60 65 Classic 2L 3,567 3,923 4,391 5,567 7,263 9,654 12,654 17,072 Supreme 5L 4,911 5,549 6,289 7,724 10,082 15,497 21,176 27,793 Elite 3L 3,984 4,303 4,818 6,122 8,129 11,577 15,557 21,331 10L 6,726 7,638 8,551 10,092 12,816 19,217 27,452 35,330 1,22,160 1,46,778 50L 43,959 47,789 53,622 59,772 72,226 83,557 1,02,035 98,437 1,18,629 150L 62,082 68,543 75,677 83,554 88,726 2A+2C Age 30 35 40 45 50 55 60 65 Classic 2L 6,502 7,101 7,670 9,736 13,017 17,246 22,701 30,973 Supreme 5L 10,183 11,106 12,221 12,967 18,051 24,858 33,347 47,409 Elite 3L 7,478 8,116 8,817 10,739 14,617 20,740 27,975 38,778 10L 14,465 15,734 17,075 19,219 1,05,289 1,36,616 24,204 1,23,595 1,52,557 32,666 1,43,589 1,76,541 43,477 1,73,439 2,11,607 61,394 2,27,752 2,69,894 50L 83,491 1,09,402 91,323 1,13,756 95,982 1,20,691 150L 12

Market positioning Classic Plan Royal Star Health Medi Classic Baja Allianz Health Guard ICICI Lombard CHI Area Sundaram Lifeline United India No room rent capping All Day care procedures Pre/Post Hospitalization upto SI Ayush Treatment Reload benefit Vaccination in case of Animal Bite Health check-up irrespective of claim NCB benefit without penalty No Disease specific sub-limit Domiciliary Treatment Health & Wellness Organ donor expenses No Co-payment 13

Market positioning Supreme Plan Royal Star Health Medi Classic Baja Allianz Health Guard ICICI Area Sundaram Lifeline United India Lombard CHI No Room Rent capping No Entry Age Restriction Pre/Post Hospitalization upto SI Reload of Sum Insured NCB benefit without penalty Second opinion Annual Health Check-up Domestic Evacuation Ayush Treatment All Day Care Procedures No Disease Specific Capping Organ donor expenses Health & Wellness 14

Market positioning Elite Plan Royal Sundaram Lifeline Star Health Medi Classic Baja Allianz Health Guard ICICI Area United India Lombard CHI Sum Insured No Room Rent capping Pre/Post Hospitalization upto SI Reload of Sum Insured NCB benefit without penalty Second opinion Annual Health Check-up International Coverage Maternity benefit Domestic Evacuation Ayush Treatment All Day Care Procedures No Disease Specific Capping Organ donor expenses 15

Premium Comparison Individual (excluding service tax) (1/2) SI 3 Lacs Religare Care Star MediClassic Bajaj - Health Guard United - Family Medicare Star MediClassic Bajaj - Health Guard United - Family Medicare Age LifeLine IL CHI Religare Care IL CHI 20 25 30 35 40 45 50 55 60 65 2,952 3,081 3,387 3,658 4,095 5,204 6,910 9,841 13,223 18,131 2,271 2,949 4,400 3,306 3,491 2,949 4,400 3,306 3,491 4,250 4,400 4,430 3,491 4,250 4,400 4,430 3,643 5,551 4,650 4,430 4,572 5,551 4,650 6,065 6,682 9,305 7,665 8,380 7,592 12,889 11,365 8,380 9,969 17,828 13,750 12,826 14,222 23,682 14,350 14,749 - - - - - - - - - - 30% -12% -3% 5% 12% 14% 3% 30% 33% 27% 0% 4% -33% -30% -23% -17% -12% 12% -10% -13% -4% 26% -11% NA -7% NA -24% NA -17% NA -8% NA -14% NA -18% NA 17% NA 3% NA 23% NA -20% -14% -26% -6% -26% -24% -26% -23% 16