Saral Health Plan

7/31/2019 Saral Health Plan

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Saral Health Plan

Birla Sun Life Insurance

A plan that offers a comprehensive coverfor all medical expenses

No Medical. No Jhanjhat.Ab Health Insurance Phataphat.


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In this policy, the investment risk in the investment portfolio is borne by the policyholder.

You have always wanted a plan that offers a comprehensive health cover for all types ofmedical expenses but may have found the process of buying one to be cumbersome and

lengthy. With Birla Sun Life Insurance Saral Solutions, this could be a thing of the past.

Introducing BSLI Saral Health Plan, a comprehensive health insurance plan that gives cover

across - hospitalisation expenses, surgical expenses, critical illness and routine health

care expenses.

This is a whole life plan which provides you a fixed cash benefit to cover hospitalisation

expenses for both surgical and non-surgical events. And, if you are diagnosed with a critical

illness you also receive a lump sum amount in addition to the hospitalisation cash benefits

The salient benefits in this plan are:


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You pay minimum policy premium to cover hospitalisation benefit and health reimbursement

benefit, which you can use to cover your routine health and medical related expenses such

as dental care, pathology expenses and other similar costs in the long run

You may choose to pay additional premium towards enhancement of health

reimbursement benefit

And you get all this without having to undergo any medical tests. You only have to fill up a

simple application form and reply to four questions related to your medical history

This plan is meant for you if:

You are in the age group of 18 to 50 years today

Your replies to the questions relating to your medical history are favorable

However, if you do not find this plan suitable our advisors will be happy to recommend alternate

solutions from our wide range of BSLI Health and Wellness solutions or you could visit our

website to explore all the options on your own.

The BSLI Saral Health Plan is a non-participating, unit linked health insurance plan. All unit

linked health insurance plans are different from traditional insurance plans and are subject to

different risk factors. The name of the investment funds and that of this plan do not in any wayindicate the quality of the plan or future returns.

In this plan, the investment risk in the investment options chosen by you is borne by you.

Investment Funds are subject to investment risks and unit prices may go up or down reflecting

the market value of the underlying assets. Past performance is no guarantee of future results.

You can buy this plan in 2 simple and convenient steps

1. Choose your pay term and health insurance benefit term

You have an option to choose from 10 pay / 10 term, 10 pay / 20 term, 20 pay / 20 term.

2. Choose your additional premium (if any)

You choose your additional premium to enhance your health reimbursement benefit to take

care of your future Health & Medical related expenses. Your health insurance benefit is

fixed at Rs. 10 Lacs.

Above all, you don't go through the trouble of any medical test.

THINGS YOU SHOULD KEEP IN MIND

THE SARAL PROCESS


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Your Health Insurance Benefit is for a sum assured of Rs. 10 Lacs. You can claim your benefit

in case of Hospitalisation and/or in case of Critical Illness during health insurancebenefit term.

In case of Hospitalisation - every time you are hospitalised for a period of at least 48 hours

and for medically necessary treatment of any illness or injury, you will receive for each day

hospitalised (starting from the first day):

a) Rs. 2,000 if you had no surgical procedure during your hospitalisation; or

b) Rs. 4,000 if you had any surgery during your hospitalisation; or

c) Rs. 8,000 if surgery directly involved your brain, heart (including coronary arteries),

liver or lung.

With regards to (b) only, the Rs. 4,000 claim is limited to 10 days per policy year. For any

excess days hospitalised in this category, you will receive Rs. 2,000 per day.

Sample Case (a) Sample Case (b) Sample Case (c)

Hospitalisation without surgery Hospitalisation for any surgery Hospitalisation for heart surgery

12 days in hospital 12 days in hospital 12 days in hospital

Total Benefit = Rs. 24,000 Total Benefit = Rs. 44,000 Total Benefit = Rs. 96,000

12 days in hospital @ 2000 each 10 days in hospital @ 4000 each 12 days in hospital @ 8000 each

+2 days in hospital @ 2000 each

In case of Critical Illness - should you ever suffer from one of the four covered critical illnesses

- Heart Attack, Cancer, Stroke and Major Organ Transplant - then you will receive a lump sum

equal to Rs. 20,000 times the policy year in which the critical illness occurred.

Heart Attack in policy year 1 2 3 ... 10 and so on

Total Benefit = Rs. 20,000 40,000 60,000 200,000 20,000 x year

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 before the claim

is eligible.

The maximum amount that can be claimed under the Health Insurance Benefit is Rs. 2 Lacs

per policy year in case of Hospitalisation and Rs. 10 Lacs over the health insurance benefit

term in case of both Hospitalisation and Critical Illness combined.

BENEFITS OF BSLI SARAL HEALTH PLAN

Health Insurance Benefit


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Health Reimbursement Benefit

Guaranteed Addition

Terminal Illness and Death Benefit

Your policy premium is used to create a unit-linked fund which will take care of your future

Health & Medical related expenses - such as:

- General practitioners fees, medicines and drugs

- Pathology and diagnostics expenses

- Dental treatment

- Ayurvedic and homeopathic treatment

- Any health related expense not covered under medical insurance

This benefit can be claimed after the completion of 5 policy years to an extent of 100% of the

Fund Value. Simply produce bills or proof of expense and we will reimburse such expenses

by reducing the Fund Value by the same.

You can claim reimbursements 4 times a year free of charge subject to a minimumclaim amount of Rs. 2000. Additional claims within a policy year will be subject to Rs. 250

claims charge.

At all times the sum of all Health Benefits in a year shall never be lesser than 105% of the total

premiums paid less total health reimbursement benefits availed till date.

At the end of the health insurance benefit term, your Fund Value will be augmented by a

Guaranteed Addition, if all premiums are paid. The Guaranteed Addition is according to the

following schedule:

10 Pay / 10 Term 10 Pay / 20 Term 20 Pay / 20 Term

Minimum Guaranteed Addition Rs. 3,000 Rs. 8,000 Rs. 10,000

Plus per Rs. 1,000 Additional Premium Rs. 300 Rs. 800 Rs. 1,000

At the end of the health insurance benefit term, your Health Insurance Benefit will ceasebut any Fund Value balance will continue indefinitely until you have fully claimed Health

Reimbursement Benefits against it.

After the health insurance benefit term, only the fund management charge will be deducted

from the Fund Value.

In the unfortunate event you are diagnosed with a terminal illness or condition, you can claim

the full Fund Value without submission of bills. This is to ensure you are not burdened with

medical expenses in times of crisis.

In the unfortunate event of your demise, the nominee will receive the Fund Value.


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Current Tax Benefits

LifeCycle Option

The policy offers tax benefits under Section 80D of the Income Tax Act, 1961. Under Section

80D, premiums up to Rs. 15,000 are allowed as a deduction from your taxable income

each year.

Your policy premium is Minimum Policy Premium applicable as per your age, gender and pay

term / benefit term plus your chosen additional premium (if any) subject to a maximum policy

premium of Rs. 40,000.

Simplicity being our guiding theme, we offer one simple option for your convinence.

Under the LifeCycle Option, your portfolio will be structured as per your age and risk profile -

you can decide whether you are conservative, moderate or aggressive in your approach

towards investments. Your portfolio will then be monitored and administered by us, saving you

the time and effort involved in overseeing it yourself. We automatically shift your investments

from riskier assets to safer assets in line with your increasing age and risk profile.

We will invest your premiums between the two investment funds, Maximiser (100% equity)

and Income Advantage (100% debt) in a predetermined proportion based on the selected

risk profile and your age when the premium is invested. Details about these two funds are

explained later.

The proportion invested in Maximiser (100% equity) will be according to the schedule given

below - the remaining amount will be invested in Income Advantage (100% debt):

Age

Risk Profile 18 - 30 31 - 40 41 - 50 51 - 60 61 - 70 71+

Conservative 50% 40% 30% 15% 0% 0%

Moderate 70% 60% 50% 35% 20% 5%

Aggressive 90% 80% 70% 55% 40% 25%

For example - if person A aged 35 years, opts for a health insurance benefit term of 20 years

with LifeCycle Option and a conservative risk profile, then based on the age and the risk profile

the investment portfolio will change with time as below:

POLICY PREMIUM

YOUR INVESTMENT OPTION


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Percentage of investments inAge

Maximiser Income Advantage

Age 31-40 40% 60%

Age 41-50 30% 70%

Age 51-60 15% 85%

Switching your Risk Profile - You can change your risk profile at any time with no additional

cost. All premiums paid from that point onwards will be invested in the Maximiser and Income

Advantage according to your new risk profile.

Automatic Rebalance of your investments - We will automatically rebalance your

investment portfolio on each policy anniversary to ensure that it maintains the predetermined

proportion in Maximiser and Income Advantage as per the risk profile you have selected at

no additional charge.


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Objective: To provide capital preservation and regular income, in high quality debt instruments.

Strategy: To actively manage the fund by building a portfolio of fixed income instruments with

a medium term duration. The fund will invest in government securities, high rated corporate

bonds, high quality money market instruments and other fixed income securities. The quality

of the assets purchased would aim to minimize the credit risk and liquidity risk of the portfolio.

The fund will maintain reasonable level of liquidity.

Objective: To provide long term capital appreciation by actively managing a well-diversified

equity portfolio of fundamentally strong blue chip companies.

Strategy: To build and actively manage a well-diversified equity portfolio of value and growth

driven stocks by following a research focused investment approach. While appreciating the

high risk associated with equities, the fund would attempt to maximize the risk-return pay off for

the long-term advantage of the policyholders. The fund will also explore the option of having

exposure to quality mid cap stocks. The non-equity portion of the fund will be invested in good

rated money market instruments and fixed deposits.

The portfolio of different investment funds is given below:

Debt Instruments, Money Market & Cash 100% 100%Income VeryULIF01507/08/08BSLIINCADV109

Advantage Low Equities & Equity Related Securities 0% 0%

Debt Instruments, Money Market & Cash 0% 20%Maximiser High ULIF01101/06/07BSLIINMAXI109

Equities & Equity Related Securities 80% 100%

*In each investment fund, the Money Market & Cash asset allocation will not exceed 40%. Money Market

Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised

borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money

Market Instrument supports for better liquidity management.

This plan does not offer premium redirection or switching between investment funds, except

switching of risk profile under the LifeCycle Option.

INVESTMENT FUNDS

Income Advantage

Maximiser

Investment Risk Segregated FundAsset Allocation* Min. Max.

Fund Profile Identification Number


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You can monitor your investments

On our website (www.birlasunlife.com) with your CPIN and TPIN number;

Through the annual statement detailing the number of units you have in each investmentfund and their respective unit price as of the last policy anniversary; and

Through the published unit prices of all investment funds on our website as well as in

the newspapers.

Premium allocation charge is deducted from the policy premium before it is invested in the

chosen funds. Premium allocation charge is deducted on the Rs. 10,000 of Minimum Policy

Premium plus Additional Premium (if any). It is guaranteed never to increase.

Premium Allocation Charge

Policy Year 10 pay / 10 term 10 pay / 20 term 20 pay / 20 term

1 - 3 17.00% 24.00% 30.00%4 onwards Nil Nil Nil

A policy administration charge of 0.25% per month on the Rs. 10,000 of Minimum Policy

Premium plus Additional Premium (if any) is deducted monthly by canceling units from the

investment fund/s at that time. This charge is guaranteed to never increase for the first three

years, after which it can be increased by no more than by 5% per annum since inception.

The daily unit price of each investment fund is adjusted to reflect the fund management charge.

This may be increased by us in the future subject to IRDA approval.

Investment Fund Fund Managment Charge

Income Advantage 1.00%

Maximiser 1.35%

MONITORING YOUR INVESTMENTS

POLICY CHARGES

Premium Allocation Charge

Policy Administration Charge

Fund Management Charge


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Morbidity Charge

Health Reimbursement Benefit Charge

Morbidity charge is deducted every month during the premium paying term for providing you

with the insurance cover. It is charged by canceling units from the investment fund/s at that

time. It is guaranteed for 3 years and can be revised thereafter subject to IRDA approval.

Sample rates are provided for your reference. Please visit our website or ask your financial

advisor for the rates applicable to you.

Annual Morbidity Charge

Male FemaleEntryage 10 pay/ 10 pay/ 20 pay/ 10 pay/ 10 pay/ 20 pay/

10 term 20 term 20 term 10 term 20 term 20 term

18-25 1,686 3,562 2,180 1,686 3,562 2,180

30 1,812 4,278 2,603 1,756 3,950 2,404

35 2,043 5,314 3,276 1,934 4,844 2,968

40 2,493 7,009 4,365 2,282 6,237 3,869

45 3,134 9,576 6,023 2,847 8,448 5,289

50 4,083 13,069 8,289 3,657 11,523 7,303

No charge is levied on the first 4 Health Reimbursement Benefit claims in a policy year.

Subsequent claims will be charged Rs. 250 per claim. This charge may be increase in future

subject to a maximum of Rs. 1,000.


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Revival Charge

Service Tax

IRDA Approval

An amount of Rs. 100 is charged for policy revival. This amount may increase in future subject

to a maximum of Rs. 1,000.

Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws.

Only when specified and within stated limits, we may increase a particular charge at any time in

the future. We, however, need to get prior approval from the IRDA before such charge increase

is effective. Otherwise, all other charges in this policy are guaranteed to never increase during

the tenure of the policy.

You can choose to pay your premiums monthly, quarterly, semi-annually or annually, as per

your convenience.

Your premium payable is the minimum policy premium plus additional premium chosen by

you subject to a maximum policy premium of Rs. 40,000.

Minimum Policy premium is:

Entry Age 10 pay/ 10 pay/ 20 pay/ Entry Age 10 pay/ 10 pay/ 20 pay/

Male Female 10 term 20 term 20 term Male Female 10 term 20 term 20 term

18-25 18-27 11,859 13,928 12,405 38 40 12,517 16,879 14,267

26 28 11,886 14,055 12,478 39 41 12,629 17,285 14,529

27 29 11,912 14,200 12,560 40 42 12,750 17,731 14,815

28 30 11,937 14,357 12,652 41 43 12,871 18,220 15,127

29 31 11,965 14,530 12,755 42 44 13,001 18,751 15,468

30 32 11,999 14,719 12,871 43 45 13,140 19,318 15,833

31 33 12,036 14,908 12,992 44 46 13,290 19,919 16,224

32 34 12,081 15,117 13,126 45 47 13,457 20,562 16,643

33 35 12,133 15,343 13,274 46 48 13,636 21,243 17,088

34 36 12,191 15,588 13,435 47 49 13,828 21,960 17,559

35 37 12,254 15,861 13,613 48 50 14,034 22,710 18,055

36 38 12,329 16,168 13,811 49 - 14,256 23,520 18,581

37 39 12,416 16,507 14,028 50 - 14,504 24,415 19,142

POLICY PREMIUM


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If you are unable to pay the policy premium by the due date, you will be given a grace period of

30 days during which time the insurance cover under your policy will continue.

If you do not pay your premium within the said grace period of 30 days, the following will

be applicable:

During the first three policy years - Your policy will lapse if we do not receive the entire

policy premium by the end of the grace period. All insurance cover under your policy will

cease without value.

You can revive your policy within two years from its lapse date by paying all outstanding

policy premiums and providing us with evidence of insurability satisfactory to us. If the life

insured dies while the policy is not yet revived, we will pay the fund value as of the lapse date

immediately and terminate the contract.

After three completed policy years - If we do not receive the entire policy premium by the

end of the grace period, you will be given a period of two years to pay all outstanding

premiums till date. After this two-year period, no premiums will be accepted by us. During

this two-year period and thereafter, your policy with all insurance cover and charges will

continue until the Fund Value is exhausted.

You will have the right to return your policy to us within 15 days from the date of receipt of the

policy. We will pay the fund value plus all charges levied till date (excluding the fund

management charge) once we receive your written notice of cancellation (along with reasons

thereof) together with the original policy documents. Depending on our then current

administration rules, we may reduce the amount of the refund by expenditures incurred by us

in issuing your policy and as permitted by the IRDA and in accordance to IRDA (Protection of

Policyholders Interest) Regulations, 2002.

On each business day and for each investment fund, we determine the unit price by dividing

the net asset value (NAV) of the investment fund at the valuation time by the number of units in

existence for the investment fund in question. We publish the unit price of all investment funds

on our website www.birlasunlife.com

TERMS & CONDITIONS

Premium Discontinuance

Free-look Period

Unit Price


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The net asset value (NAV) is determined based on (the market value of investments held

by the fund plus the value of any current assets less the value of any current liabilities &

provisions) divided by (the number of units existing at valuation date before creation or

redemption of any units).

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.

"Day" in Hospital - 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 and each

subsequent Day shall commence 24 hours after the commencement of the previous Day. In

the event of the time of discharge of the life insured from the Hospital being more than 12 hours,

but less than 24 hours from the end of the previous Day, then the day of discharge shall also

be regarded as a Day.

"Hospital" - means any institution established for indoor or in-patient care and day caretreatment 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:

Section 41 of the Insurance Act, 1938

Section 45 of the Insurance Act, 1938

IMPORTANT DEFINITIONS


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- 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 us

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.

"Medically Necessary" - refers to a procedure, a treatment or a period of hospitalisation

which is ordered by a registered medical practitioner and

- Which is required for the diagnosis or direct treatment of a medical condition, and


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- Appropriate and consistent with the symptoms and findings or diagnosis and treatment of

the life insured medical condition, and

- Provided in accordance with generally accepted medical practice on a national basis, and

- Not of an experimental nature, not of an investigative nature and not in the nature of research

"Pre-existing Disease" - means a condition (illness or bodily injury) for which, prior to the

effective date of the policy:

- the life insured had signs or symptoms which would have caused any ordinary prudent

person to seek treatment, diagnosis or care, or

- medical advice or treatment was recommended by or received from a physician, or

- the life insured had undergone medical tests or investigations

Any congenital disorder, or related illness or complication arising out of or in connection with a

pre-existing medical condition, shall be considered part of that pre-existing medical condition.

"Surgery" - means a medically necessary procedure or intervention performed by a qualified

medical professional and carried out through a natural orifice or approached by the cutting or

penetration of any part of the body to treat a disease, deformity or injury.

"Heart Attack" - means the first occurrence of Heart Attack or myocardial infarction which

means the death of a portion of the heart muscle, as a result of an acute interruption of blood

supply to the myocardium. The diagnosis must be based on a history of typical chest pain,

new characteristic electrocardiographic changes proving infarction, and significant elevation

of cardiac enzymes. Diagnosis must be confirmed by a consultant cardiologist acceptable

to us. Angina is specifically excluded.

"Cancer" - means a malignant tumour characterized by the uncontrolled growth and spread

of malignant cells and the invasion of tissue. The diagnosis must be histologically confirmed.

The term cancer includes leukaemia but the following cancers are excluded:

- all forms of lymphoma, Kaposi's sarcoma in the presence of any Human

Immunodeficiency Virus;

- any skin cancer other than invasive malignant melanoma;

- all tumours which are histologically described as pre-malignant, non-invasive or

carcinoma in situ

"Stroke" - means a cerebrovascular incident producing neurological sequelae of a permanent

nature, having lasted not less than six months. Infarction of brain tissue, haemorrhage

and embolisation from an extra-cranial source are included. The diagnosis must be based

on changes seen in a CT scan or MRI and certified by a neurologist acceptable to us.

Excluded are:

- Transient ischemic attacks (TIA)


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- Traumatic injury of the brain

- Vascular disease affecting only the eye or optic nerve or vestibular functions

"Major Organ transplant" - means actual undergoing of a transplant as a recipient of:

- Human bone marrow using haematopoietic stem cells, preceded by total bone marrow

ablation; or

- One of the following human organs: heart, lung, liver, kidney that resulted from irreversible

end-stage failure of the relevant organ.

Other stem-cell transplants are excluded. The undergoing of a transplant must be confirmed

by a specialist medical practitioner.

No health insurance benefit is available hereunder and no payment will be made by us for any

claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any

of the following:

- 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 Registered

Medical 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, any Cosmetic procedures or Plastic Surgery

- Pregnancy, childbirth or their complications, Abortion, Medical Termination of Pregnancy,

Infertility or sex change operation

- Organ donation (donor costs)

- Rehabilitation or convalescent care or Length beyond customary length of stay

- Congenital conditions, genetic disorders or birth defects

What is not covered under this plan?


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- 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

- Hernia Repair

- Corrective procedure for gall stones

- Corrective procedure for kidney or urinary tract stones

- Discectomy, laminectomy

- Hemi / Partial thyroidectomy

- Corrective procedure for anal fistula or anal fissure

- Removal of uterus, fallopian tubes and/or ovaries, except for malignancy

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

- Corrective procedures for haemorrhoids

Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla

Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading

international financial services organizations from Canada. With an experience of over a

decade, BSLI has contributed to the growth and development of the Indian life insurance

industry and currently is one of the leading life insurance companies in the country. Enjoying

trust of over 2.4 Million customers, BSLI is known for innovations. BSLI offers a complete

range of offerings comprising of protection solutions, children's future solutions, wealth with

protection, health and wellness as well as retirement solutions and has an extensive

distribution reach over 500 cities through its network of over 600 branches, over 140058

empanelled advisors and over 240 partnerships with Corporate Agents and Banks. The AUM

of Birla Sun Life Insurance is close to Rs19146 crs and it has a robust capital base of over

Rs. 2450 crs as on August 31, 2011. For more information, please visit www.birlasunlife.com

Aditya Birla Financial Services Group (ABFSG) has built a significant presence across

its verticals, viz life insurance, asset management, NBFC, private equity, broking, wealth

management & distribution and general insurance advisory services.

Not covered for first two policy years

About Birla Sun Life Insurance

About Aditya Birla Financial Services Group

BIRLA SUN LIFE INSURANCE COMING TOGETHEROF VALUES


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The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life

Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla

Finance Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla

Money Mart Ltd. and Aditya Birla Insurance Brokers Ltd. ABFSG is committed to being a leader

and role model in a broad based and integrated financial services business. Its 7 lines of

businesses, with about 5.5 million customers manages assets worth Rs. 92,259 Crores (USD20.5 billion) and prides itself for having a talent pool of about 15,000 committed employees.

ABFSG has its wings spread across more than 500 cities in India through over 1,700 points

of presence and about 200,000 channel partners. This allows ABFSG to offer its customers

virtually anything under financial services except a savings or current account. With over

Rs. 6,296 Crores (FY2010-11) in revenues, ABFSG is a significant non-bank player.


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ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 4 billion conglomerate having

leadership position across its manufacturing as well as services sector businesses. ABNL is a

part of the Aditya Birla Group, a USD 35 billion Indian business house operating in 33 countries

across the globe.

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 June 30, 2011, the Sun Life Financial group of companies had total assets under

management of $474 billion. For more information please visit www.sunlife.com

Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE)

stock exchanges under the ticker symbol SLF.

This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a non-

participating unit linked health plan. Birla Sun Life Insurance, Saral Health Plan and LifeCycle

Option, are only the names of the Company, Policy and Investment Options respectively anddo not in any way indicate their quality, future prospects or returns. The names of the funds

offered in this plan do not in any way indicate their quality, future prospects or returns. The

charges mentioned above are applicable to all the two Investment Funds offered at present.

Only the Policy Administration Charge, Morbidity Charge and Fund Management Charge can

be modified by the Company subject to specified limits and approval of the IRDA. The value of

the Investment Fund reflects the value of the underlying investments. These investments are

subject to market risks and change in fundamentals such as tax rates etc affecting the

investment portfolio. The premium paid in unit linked health insurance policies are subject toinvestment risk associated with capital markets and the unit price of the units may go up or

down based on the performance of Investment Fund and factors influencing the capital market

and the policy owner is responsible for his/her decisions. There is no guarantee or assurance

of returns from the Investment Funds. BSLI reserves the right to recover levies such as the

Service Tax levied by the authorities on insurance transactions. If there be any additional

levies, they too will be recovered from you. This brochure contains 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 andclarification call your BSLI Insurance Advisor or visit our website and see how we can help in

making your dreams come true.

About Sun Life Financial

RISK FACTORS & DISCLAIMERS


20/20

Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841,

Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Reg. No.109 Unique No.: 109L048V01

Call: 1-800-270-7000 www.birlasunlife.com sms SARAL to 56161

Documents

Saral Health Plan