Birla Sun Life Insurance
Content
1. BSLI health Plan Presenting Birla Sun Life Insurance Health Plan Being able to provide the best medical care is of great importance to all of us. Illnesses can strike at any time and paying for medical and hospitalization care from your savings can put a strain on your finances and can become a major source of worry. BSLI's Health Plan allows you to spend time cheering up your loved ones and not worry about paying for the best care. BLSI Health Plan is a 3 years Plan which guarantees you a health cover now and in the future also. Plan Summary Self, Spouse and Parents - 18 years to 65 years, Children - 3 months to 17 years Self, Spouse and Parents - 80 years Children - 25 years Self, Spouse and 3 dependent children or Parents 3 years 3 years regular premium payment with guaranteed insurability at the end of every policy term Depends on age and gender 5300 PLUS network hospitals that provide cashless facility Free medical second opinion from world's leading second opinion provider
Age at entry Maximum coverage age Family members eligible for cover Policy Tenure Premium Payment Term Minimum & Maximum Premium Network Hospitals with Cashless Facility Medical Second Opinion
Guaranteed coverage till age 80 years The BSLI Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills.
Health Cover in addition to Mediclaim BSLI Health Plan covers you in addition to any other health plan that you may have including mediclaim policies. This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Tax benefit under section 80D Annual Premiums up to Rs. 15,000 (Rs. 20,000 for senior citizens) are eligible for tax benefit. And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs. 15,000 (Rs. 20,000 for senior citizens). Other Key benefits of the plan Hospitalization Benefit In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance. Surgical Benefits The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses.
2. BSLI Saral Health Plan Unforeseen medical expenses can leave a serious dent in your savings. While you realise the need for a plan that covers you for medical expenses, you have always found the process of buying one cumbersome and lengthy. Presenting BSLI Saral Health Plan, a unitlinked health insurance plan that offers comprehensive cover for all medical expenses and that too without you having to undergo any medical tests This plan offers you:
• Cover for hospitalisation expenses • Reimbursement of regular healthcare expenses • Critical illness cover • Terminal Illness and death benefit The Saral process: 1. Choose your pay term and health insurance benefit term from the options of 10 pay/10 term, 10 pay/20 term, 20 pay/20 term. 2. Choose your additional premium (if any), to enhance your health reimbursement benefit to meet your future health & medical related expenses. 3. Answer four health related Questions. No medical tests required.
Your Investment Option For your convenience, we offer one simple investment option – the LifeCycle Option. Under this option your portfolio will be structured according to your age and risk profile. You can decide your approach towards investment - conservative, moderate or aggressive. We will then monitor and administer your portfolio, saving your time and effort involved in overseeing it. With your increasing age and changing risk profile, your investments will be automatically shifted from riskier assets to safer assets. The premiums you pay will be invested between two investment funds – Maximiser (100% equity) and Income Advantage (100% debt). This will be done in a pre-determined proportion, based on the selected risk profile and your age when the premium is invested.
Based on your choices, you will receive a host of benefits as below: 1. Health Insurance Benefit: You can claim this benefit in case of Hospitalisation and/or Critical Illness during the health insurance benefit term. a. For hospitalisation beyond 48 hours, you will receive a specified amount upto a maximum of Rs.8,000 per day, depending on the nature of treatment involved. b. For one of the four covered critical illnesses (Heart Attack, Stroke, Cancer and Major Organ Transplant), you will receive a lump sum equal to
Rs.20,000 x the policy year in which the illness occurs (e.g. if illness occurs in 3rd policy year, you receive Rs.20,000 x 3 = Rs.60,000). Your health insurance benefit is fixed at Rs.10 lakhs for the health insurance benefit term. For further details on the Health Insurance Benefit, please contact your financial advisor or refer to the product brochure.
2. Health Reimbursement Benefit: To take care of your future health & medical related expenses, your policy premium is used to create a unitlinked fund. You can use this benefit to claim reimbursement of expenses such as dental treatment, pathology & diagnostic expenses, doctor’s fees etc. This reimbursement is free of charge 4 times a year, after completion of 5 policy years. Even after completion of your health insurance benefit term, you can continue to claim reimbursement of expenses to the extent of your Fund Value balance. All you have to do is provide us bills of expenses made to get the amount reimbursed. 3. Guaranteed Additions: Your Fund Value will be boosted with Guaranteed Additions at the end of the health insurance benefit term, if all premiums are paid. For details, please contact your financial advisor or refer to the product brochure. 4. Terminal Illness and Death Benefit: In the unfortunate event of a terminal illness or condition, you can claim the full Fund Value without submission of bills. In the unfortunate event of death, the nominee will receive the Fund Value. 5. Current Tax Benefits: Under Section 80D, premium amount up to Rs. 15,000 (Rs. 20,000 for senior citizens) per year is allowed as deduction from your taxable income each year.
3. Presenting the Birla Sun Life Insurance Universal Health Plan Over the years health care costs have been steadily increasing in India. Providing for the best medical care and hospitalization is proving to be increasingly expensive, especially when you have to dip into your long-term savings to pay for hospital bills. The BSLI Universal Health Plan is a health insurance plan, which enables you to provide your entire family with the best medical care without putting a
strain
on
your
long-term
savings.
It comes with a guaranteed health insurance cover of 3 years for your entire family. The BSLI Universal Health Plan covers your family's hospital related expenses and also out-of-pocket health expenses such as over-the counter medicines, gym, yoga, dental and similar expenses. Plan Summary Self, Spouse and Parents - 18 years to 65 years, Children - 3 months to 17 years Self, Spouse and Parents - 80 years Children - 25 years Self, Spouse and 3 dependent children or Parents 3 years 3 years regular premium payment with guaranteed insurability at the end of every policy term Depends on age and gender 5300 PLUS network hospitals that provide cashless facility Free medical second opinion from world's leading second opinion provider
Age at entry Maximum coverage age Family members eligible for cover Policy Tenure Premium Payment Term Minimum & Maximum Premium Network Hospitals with Cashless Facility Medical Second Opinion
Guaranteed coverage till age 80 years The BSLI Universal Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills. Health Cover in addition to Mediclaim BSLI Universal Health Plan covers you in addition to any other health plan that you may have including mediclaim policies.
This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Comprehensive wellness cover You will be reimbursed one annual premium every three years, which you may claim as per your requirements. In case you don’t claim this amount, it is carried forward and saved as the Universal Health Benefit (UHB). You can choose to accumulate these benefits and claim them at any time in the future. We also guarantee an additional bonus of 20% on this unclaimed amount every three years. You can use this amount to pay for wellness related expenses like yoga class fees, dental care, spectacles, ayurvedic and homeopathy treatments and similar other expenses. Tax benefit under section 80D Annual premiums up to Rs.15,000 (Rs. 20,000 for senior citizens) are eligible for tax benefit. And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs.15,000 (Rs. 20,000 for senior citizens). Key benefits of the plan • Hospitalization Benefit In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance. • Surgical Benefits The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses.
Age at entry Maximum coverage age Family members eligible for cover Policy Tenure Premium Payment Term Minimum & Maximum Premium Network Hospitals with Cashless Facility Medical Second Opinion
Guaranteed coverage till age 80 years The BSLI Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills.
Health Cover in addition to Mediclaim BSLI Health Plan covers you in addition to any other health plan that you may have including mediclaim policies. This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Tax benefit under section 80D Annual Premiums up to Rs. 15,000 (Rs. 20,000 for senior citizens) are eligible for tax benefit. And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs. 15,000 (Rs. 20,000 for senior citizens). Other Key benefits of the plan Hospitalization Benefit In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance. Surgical Benefits The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses.
2. BSLI Saral Health Plan Unforeseen medical expenses can leave a serious dent in your savings. While you realise the need for a plan that covers you for medical expenses, you have always found the process of buying one cumbersome and lengthy. Presenting BSLI Saral Health Plan, a unitlinked health insurance plan that offers comprehensive cover for all medical expenses and that too without you having to undergo any medical tests This plan offers you:
• Cover for hospitalisation expenses • Reimbursement of regular healthcare expenses • Critical illness cover • Terminal Illness and death benefit The Saral process: 1. Choose your pay term and health insurance benefit term from the options of 10 pay/10 term, 10 pay/20 term, 20 pay/20 term. 2. Choose your additional premium (if any), to enhance your health reimbursement benefit to meet your future health & medical related expenses. 3. Answer four health related Questions. No medical tests required.
Your Investment Option For your convenience, we offer one simple investment option – the LifeCycle Option. Under this option your portfolio will be structured according to your age and risk profile. You can decide your approach towards investment - conservative, moderate or aggressive. We will then monitor and administer your portfolio, saving your time and effort involved in overseeing it. With your increasing age and changing risk profile, your investments will be automatically shifted from riskier assets to safer assets. The premiums you pay will be invested between two investment funds – Maximiser (100% equity) and Income Advantage (100% debt). This will be done in a pre-determined proportion, based on the selected risk profile and your age when the premium is invested.
Based on your choices, you will receive a host of benefits as below: 1. Health Insurance Benefit: You can claim this benefit in case of Hospitalisation and/or Critical Illness during the health insurance benefit term. a. For hospitalisation beyond 48 hours, you will receive a specified amount upto a maximum of Rs.8,000 per day, depending on the nature of treatment involved. b. For one of the four covered critical illnesses (Heart Attack, Stroke, Cancer and Major Organ Transplant), you will receive a lump sum equal to
Rs.20,000 x the policy year in which the illness occurs (e.g. if illness occurs in 3rd policy year, you receive Rs.20,000 x 3 = Rs.60,000). Your health insurance benefit is fixed at Rs.10 lakhs for the health insurance benefit term. For further details on the Health Insurance Benefit, please contact your financial advisor or refer to the product brochure.
2. Health Reimbursement Benefit: To take care of your future health & medical related expenses, your policy premium is used to create a unitlinked fund. You can use this benefit to claim reimbursement of expenses such as dental treatment, pathology & diagnostic expenses, doctor’s fees etc. This reimbursement is free of charge 4 times a year, after completion of 5 policy years. Even after completion of your health insurance benefit term, you can continue to claim reimbursement of expenses to the extent of your Fund Value balance. All you have to do is provide us bills of expenses made to get the amount reimbursed. 3. Guaranteed Additions: Your Fund Value will be boosted with Guaranteed Additions at the end of the health insurance benefit term, if all premiums are paid. For details, please contact your financial advisor or refer to the product brochure. 4. Terminal Illness and Death Benefit: In the unfortunate event of a terminal illness or condition, you can claim the full Fund Value without submission of bills. In the unfortunate event of death, the nominee will receive the Fund Value. 5. Current Tax Benefits: Under Section 80D, premium amount up to Rs. 15,000 (Rs. 20,000 for senior citizens) per year is allowed as deduction from your taxable income each year.
3. Presenting the Birla Sun Life Insurance Universal Health Plan Over the years health care costs have been steadily increasing in India. Providing for the best medical care and hospitalization is proving to be increasingly expensive, especially when you have to dip into your long-term savings to pay for hospital bills. The BSLI Universal Health Plan is a health insurance plan, which enables you to provide your entire family with the best medical care without putting a
strain
on
your
long-term
savings.
It comes with a guaranteed health insurance cover of 3 years for your entire family. The BSLI Universal Health Plan covers your family's hospital related expenses and also out-of-pocket health expenses such as over-the counter medicines, gym, yoga, dental and similar expenses. Plan Summary Self, Spouse and Parents - 18 years to 65 years, Children - 3 months to 17 years Self, Spouse and Parents - 80 years Children - 25 years Self, Spouse and 3 dependent children or Parents 3 years 3 years regular premium payment with guaranteed insurability at the end of every policy term Depends on age and gender 5300 PLUS network hospitals that provide cashless facility Free medical second opinion from world's leading second opinion provider
Age at entry Maximum coverage age Family members eligible for cover Policy Tenure Premium Payment Term Minimum & Maximum Premium Network Hospitals with Cashless Facility Medical Second Opinion
Guaranteed coverage till age 80 years The BSLI Universal Health Plan gives you a guaranteed health cover till the age of 80 years. While you may have to undergo some medical tests when the policy is issued to you for the first time, subsequent renewal every three years are guaranteed without any medical tests. This plan can be renewed till you and your spouse is 78 years old and your children are 23 years old. Now you need not worry about paying your family's hospitalization bills. Health Cover in addition to Mediclaim BSLI Universal Health Plan covers you in addition to any other health plan that you may have including mediclaim policies.
This means that you only have to submit the photocopies of your hospital bills to claim the benefits under the BSLI Universal Health Plan. With this plan you can now get a double cover benefit. Comprehensive wellness cover You will be reimbursed one annual premium every three years, which you may claim as per your requirements. In case you don’t claim this amount, it is carried forward and saved as the Universal Health Benefit (UHB). You can choose to accumulate these benefits and claim them at any time in the future. We also guarantee an additional bonus of 20% on this unclaimed amount every three years. You can use this amount to pay for wellness related expenses like yoga class fees, dental care, spectacles, ayurvedic and homeopathy treatments and similar other expenses. Tax benefit under section 80D Annual premiums up to Rs.15,000 (Rs. 20,000 for senior citizens) are eligible for tax benefit. And in case you are buying this plan to cover your parents your premiums are eligible for an additional tax benefit of Rs.15,000 (Rs. 20,000 for senior citizens). Key benefits of the plan • Hospitalization Benefit In case of hospitalization of any of the family member, this plan provides you with a per day hospitalization expense and ICU allowance. • Surgical Benefits The plan provides a comprehensive surgical cover for a number of surgeries. These are fixed benefits and not linked to your actual expenses.
