Mr.

Amit Mahadik & family

Presented by-

INSURANCE ADVISOR

INSURANCE ADVISOR

Health Protection Plus Plan Presentation For Mr. Amit Mahadik & family
Mode of Premium
Installment Premium

Yearly

Presentation up to Age

75 Years (nearer birthday)

Rs. 9000

Date of Report

29/04/2011

Medical Benefit Details

Details

2011

2012

2013

2014

2015

2016

2022

2028

2034

2040

28

29

30

31

32

33

39

45

51

57

HCB (Non ICU)

1000

1050

1100

1150

1200

1250

1500

1500

1500

1500

HCB (ICU)

2000

2100

2200

2300

2400

2500

3000

3000

3000

3000

27000

94500

99000

103500

108000

112500

135000

135000

135000

135000

2046

2052

2058

63

69

75

1500

1500

3000

3000

135000

135000

Mr. Amit Mahadik ( Principle Insured ) - Cover upto 07/06/2058

Age

Max. HCB p.a.

Surgical Benefit of Rs.200000 in one policy year ( max Rs.600000 during policy term )

Mrs. Trupti Mahadik - Cover upto 07/06/2058

27

28

29

30

31

32

38

44

50

56

62

68

74

HCB (Non ICU)

1000

1050

1100

1150

1200

1250

1500

1500

1500

1500

1500

1500

HCB (ICU)

2000

2100

2200

2300

2400

2500

3000

3000

3000

3000

3000

3000

27000

94500

99000

103500

108000

112500

135000

135000

135000

135000

135000

135000

Age

Max. HCB p.a.

Surgical Benefit of Rs.200000 in one policy year ( max Rs.600000 during policy term )

Note :Hospital Cash Benefit:

- Limited to 18 days including maximum 9 days in ICU for 1st Policy Year and there after 60 days including maximum 30 days in ICU.
- Maximum 365 days benefit in the entire policy term.
- For child maximum HCB limit is upto 90 days till he/she becomes 5 years of age.
- HCB (Non ICU) and HCB (ICU) are quoted on per day basis.
- HCB will increase @ 5% p.a. subject to maximum of 150% of Basic HCB.
Domiciliary Treatment Benefit (DTB): Additionally, the plan also provides this benefit which is payable from the policy fund after 3 yearly
premiums are paid. (Minimum Rs.2500/- subject to maximum of 50% of policy fund and 2 claims per year.)
Surgical Benefit for spouse: will be continued till the Spouse OR PI attains 75 yrs nearer birthday, whichever is earlier.
Tax Benefit : Premium paid is eligible for benefits under Section 80(D).

** For Private Circulation only

INSURANCE ADVISOR

Health Protection Plus Plan Presentation For Mr. Amit Mahadik & family
Mode of Premium

Yearly

Installment Premium

Rs. 9000

Presentation up to Age

75 Years (nearer birthday)

Date of Report

29/04/2011

Growth of Health Protection Plus Fund under 10% Scenario

Fund Growth

Family Benefit

Benefit Charges

Other Charges

End of
Policy
Year

Age
(PI)

Annual
Premium

Total
Prem Paid

29

9000

9000

30

9000

18000

31

9000

27000

32

9000

33

Fund
Value

Max. HCB

Max. MSB

HCB

MSB

Alloc.

Admn

Service
Tax

*Total
Charges

4240

54000

400000

577

514

2700

900

490

5244

12104

189000

400000

588

530

540

300

218

2330

20621

198000

400000

591

544

540

300

230

2462

36000

29848

207000

400000

595

564

540

300

244

2611

9000

45000

39835

216000

400000

598

588

540

300

259

2774

34

9000

54000

50657

225000

400000

603

610

540

300

275

2948

35

9000

63000

62389

234000

400000

605

634

540

300

293

3133

36

9000

72000

75084

243000

400000

620

656

540

300

312

3343

37

9000

81000

88813

252000

400000

637

692

540

300

335

3584

10

38

9000

90000

103676

261000

400000

653

722

540

300

358

3833

11

39

9000

99000

119760

270000

400000

669

760

540

300

384

4106

12

40

9000

108000

137155

270000

400000

694

802

540

300

412

4412

13

41

9000

117000

155952

270000

400000

746

836

540

300

444

4757

14

42

9000

126000

176187

270000

400000

848

896

540

300

486

5206

15

43

9000

135000

198017

270000

400000

912

964

540

300

527

5642

16

44

9000

144000

221606

270000

400000

943

1040

540

300

567

6074

17

45

9000

153000

247092

270000

400000

985

1124

540

300

612

6554

18

46

9000

162000

274639

270000

400000

1016

1210

540

300

658

7050

19

47

9000

171000

304414

270000

400000

1046

1308

540

300

708

7587

20

48

9000

180000

336585

270000

400000

1077

1426

540

300

764

8180

21

49

9000

189000

371369

270000

400000

1105

1544

540

300

822

8805

22

50

9000

198000

408970

270000

400000

1143

1670

540

300

886

9486

23

51

9000

207000

449628

270000

400000

1186

1792

540

300

953

10210

24

52

9000

216000

493619

270000

400000

1231

1894

540

300

1023

10958

25

53

9000

225000

541232

270000

400000

1276

2006

540

300

1099

11765

26

54

9000

234000

592741

270000

400000

1323

2146

540

300

1182

12656

27

55

9000

243000

648458

270000

400000

1379

2292

540

300

1272

13621

28

56

9000

252000

708736

270000

400000

1451

2432

540

300

1369

14658

29

57

9000

261000

773963

270000

400000

1524

2584

540

300

1473

15775

30

58

9000

270000

844560

270000

400000

1597

2742

540

300

1585

16969

31

59

9000

279000

920976

270000

400000

1669

2904

540

300

1704

18245

32

60

9000

288000

1003700

270000

400000

1755

3068

540

300

1832

19622

33

61

9000

297000

1093229

270000

400000

1882

3232

540

300

1974

21135

34

62

9000

306000

1190095

270000

400000

2054

3398

540

300

2129

22797

35

63

9000

315000

1294845

270000

400000

2267

3606

540

300

2303

24657

36

64

9000

324000

1408138

270000

400000

2481

3818

540

300

2487

26636

37

65

9000

333000

1530669

270000

400000

2733

4044

540

300

2689

28795

38

66

9000

342000

1663291

270000

400000

2912

4282

540

300

2897

31020

39

67

342000

1797717

270000

400000

3105

4536

300

3054

32708

40

68

342000

1943182

270000

400000

3332

4804

300

3286

35190

41

69

342000

2100602

270000

400000

3567

5088

300

3535

37859

42

70

342000

2270987

270000

400000

3810

5388

300

3803

40726

43

71

342000

2455426

270000

400000

4050

5710

300

4090

43801

44

72

342000

2655145

270000

400000

4274

6046

300

4396

47078

45

73

342000

2871443

270000

400000

4490

6406

300

4724

50591

46

74

342000

3105761

270000

400000

4694

6768

300

5074

54334

47

75

342000

3359727

270000

400000

4897

7068

300

5441

58268

INSURANCE ADVISOR

Health Protection Plus Plan Presentation For Mr. Amit Mahadik & family
Domiciliary Treatment Benefit (DTB): Additionally, the plan also provides this benefit which is payable from the policy fund after 3 yearly
premiums are paid. (Minimum Rs.2500/- subject to maximum of 50% of policy fund and 2 claims per year.)
* Total Charges includes the HCB Charges, MSB Charges, Allocation Charges, Admin Charges, FMC Charges and Service Tax.

** For private circulation only

INSURANCE ADVISOR

Health Protection Plus Plan Presentation For Mr. Amit Mahadik & family
Health Protection Plus is a UNIT LINKED HEALTH INSURANCE PLAN launched by L.I.C. of India. This policy guards you & your
family against the trauma that you may face due to increased financial burden during hospitalization.

Features at a glance:
l Provides insurance cover for Hospital Charges, Major Surgical Charges and Domiciliary Treatment Expenses in India.
l Entire family including spouse and dependant children can be covered in a single policy.
l The premium is used to cover the insurance benefits and investment in the market.

Hospital Cash Benefit (HCB)

Benefits available

l For every hospitalization, this benefit is payable on daily basis (excluding first two days).
l In case of ICU admission, the benefit payable per day is double the HCB covered.
l The benefit per day increases by 5% every policy year for 10 years.

Maximum period for each insured

l 1st Policy Year: 18 days including maximum 9 days in ICU.

l Subsequent Year: 60 days including maximum 30 days in ICU.
l Maximum 365 days benefit in the entire policy term.
l For child maximum HCB limit is upto 90 days till he/she becomes 5 years of age.

Cover starts after

l 180 days from date of commencement or 90 days of policy revival.

l Immediately if the hospitalization is due to Accidental Bodily Injury.

Maximum Initial Daily Benefit

l Principal Insured - Rs.2500, Spouse - Rs.1500, Children - Rs.1500

Major Surgical Benefit (MSB)

Benefits Available

l In the event of insured undergoing one of the eligible surgeries, a suitable percentage
of MSB sum assured will be paid in lump sum irrespective of the actual cost of surgery.

Maximum limit for each insured

l Benefit payable only once during the policy lifetime for one type of surgery.
l Total claim during lifetime of policy must not exceed 3 times the MSB sum insured.

Cover starts after

l 180 days from date of commencement or 90 days of policy revival

l Child covered from policy anniversary after completion of 18 years
l Immediately if the hospitalization is due to Accidental Bodily Injury

Sum Assured for each insured

l 200 times of their initial HCB.

Domiciliary Treatment Benefit

Benefits available

l This benefit is payable from the policy fund and is available over and above the HCB &
MSB after the payment of 3 yearly premiums.

Limits

l Minimum claim is Rs.2500 and maximum is 50% of the Policy Fund

l Maximum 2 claims in a policy year
l Child will receive the benefit upto 25 years of age.

Disclaimer:

The above information is intended to give you only a fair idea about certain benefits of L.I.C. 's Health Insurance Plan. For complete
information and terms & conditions of the policy, please refer to the original policy document/ brochure of this plan.