Reliance Wealth + Health Plan · Reliance Wealth + Health Plan, a health insurance plan...

A Reliance Capital Company

There are times when late working hours take

precedence over your health check-ups. And there

are times when a visit to the doctor seems more

important than dividends on your shares.

In this constant race, you are the only one who loses

– sometimes your health and at other times, wealth.

We understand this predicament. We also have a

solution to this seemingly unsolvable problem:

The Reliance Wealth + Health Plan. A plan that gives

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Reliance Wealth + Health PlanUNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Life changes. And as it does, so do your priorities. After all, the circum-stances of your life can determine the type of health coverage you need.

India has made rapid strides in the health sector. Since Independence, life expectancy has gone up markedly and survival rates have also increased, still critical health issues remain. Infectious diseases continue to claim a large number of lives.

Perhaps you're a freshly minted graduate, a joyful newlywed, retiring early or between jobs. Maybe you're running your own business or raising a family — or both. In any of the situations, GOOD or BAD, health cannot be taken for granted. All are affected by the rising costs of medical expenses. That’s why it is important to plan early and in advance.

Reliance Wealth + Health Plan, a health insurance plan underwritten by Reliance Life Insurance Company Limited, is designed to work in conjunction with contributions towards Savings. The uniqueness of this plan is that it not only provides benefits for covered injuries but also for other injuries by encashment from the unit Fund. This plan from Reliance Life offers the Hospitalization and Surgical Benefits and also covers Critical Illnesses. In short this plan provides you with a personalized quality Health cover that fits your LifeStyle

Key Features – Reliance Wealth+Health Plan A Unit Linked plan with Unique Savings ComponentTwin benefit of market linked return and health protectionChoose from two different plan options Flexibility to take care of your family’s healthFlexibility to switch between funds / plan optionsOption to pay Top-upsOption to package with multiple ridersLiquidity through partial withdrawals

Key Benefits - Reliance Wealth+Health PlanA comprehensive health plan that - helps you to pay for your routine medical expenses- covers multiple major surgeries- takes care of the follow-up tests and medicines post hospitalizationLump sum cash benefits for non covered injuries Fund options including Equity funds to harvest the best from the growing Equity market Income tax benefit under section 80C, 80 D and 10(10D) of the Income Tax will be available. Save today for future medical expenses

Key Advantages of Reliance Wealth+Health Plan

Security – This plan protects you against high or unexpected medical bills.Affordability – With annual premium as low as Rs.10,000 to Rs.12,000 per annum, you can get health and savings benefit.. Flexibility – You can use the funds in your account to pay for current medical expenses, including expenses that your insurance may not cover through partial withdrawal, or save the money in your account for future needs, such as:

Health insurance for medical expenses and savings in the eventuality of unemploymentCover Medical expenses after retirement Cover Out-of-pocket expenses Cover Long-term care expenses

Savings – You can save the money in your account for future medical expenses and grow your account through investment earnings.Control – You make all the decisions about:

Whether to save the account for future expenses or pay current medical expensesWhich medical expenses to pay from the accountWhich investments to effect

medical expenses, including expenses that your insurance may not cover Flexibilitmedical expenses, including expenses that your insurance may not cover Flexibilitannum, you can get health and savings benefit.. Flexibilit

Affordabilitannum, you can get health and savings benefit.. AffordabilitSecurity – This plan protects you against high or unexpected medical bills. – This plan protects you against high or unexpected medical bills.

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Save today for future medical expenseax will be available.

Save today for future medical expense

Income tax benefit under section 80C, 80 D and 10(10D) of the ax will be available.

growing Equity market Income tax benefit under section 80C, 80 D and 10(10D) of the growing Equity marketFund options including Equity funds to hargrowing Equity market

Lump sum cash benefits for non covered injuries Fund options including Equity funds to har

akes care of the follow-up tests and medicines post hospitalizationLump sum cash benefits for non covered injuries

akes care of the follow-up tests and medicines post hospitalizationovers multiple major surgerieakes care of the follow-up tests and medicines post hospitalizationovers multiple major surgerieakes care of the follow-up tests and medicines post hospitalization

elps you to pay for your routine medical expenseovers multiple major surgerie

A comprehensive health plan thatelps you to pay for your routine medical expense

A comprehensive health plan thatelps you to pay for your routine medical expense

alth+HA comprehensive health plan that

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Liquidity through partial withdrawalsOption to package with multiple ridersLiquidity through partial withdrawalsOption to package with multiple ridersOption to package with multiple riders

Flexibility to switch between funds / plan optionsFlexibility to switch between funds / plan options healt healt

win benefit of market linked return and health protectionwin benefit of market linked return and health protectionA Unit Linked plan with Unique Savings Component

win benefit of market linked return and health protectionA Unit Linked plan with Unique Savings ComponentA Unit Linked plan with Unique Savings Component

Illnesses. In short this plan provides you with a personalized quality Life offers the Hospitalization and Surgical Benefits and also covers Critical Illnesses. In short this plan provides you with a personalized quality

other injuries by encashment from the unit Fund. This plan from Reliance Life offers the Hospitalization and Surgical Benefits and also covers Critical

plan is that it not only provides benefits for covered injuries but also for other injuries by encashment from the unit Fund. This plan from Reliance plan is that it not only provides benefits for covered injuries but also for other injuries by encashment from the unit Fund. This plan from Reliance

conjunction with contributions towards Savings. The uniqueness of this plan is that it not only provides benefits for covered injuries but also for conjunction with contributions towards Savings. The uniqueness of this

written bywritten by

medical expenses, including expenses that your insurance may not cover through partial withdrawal, or save the money in your account for future

Flexibilitmedical expenses, including expenses that your insurance may not cover

annum, you can get health and savings benefit.. Flexibilitannum, you can get health and savings benefit.. Affordabilitannum, you can get health and savings benefit..

– This plan protects you against high or unexpected medical bills.Affordabilit

– This plan protects you against high or unexpected medical bills.

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Save today for future medical expenseSave today for future medical expense



growing Equity market Income tax benefit under section 80C, 80 D and 10(10D) of the

Fund options including Equity funds to hargrowing Equity marketFund options including Equity funds to harLump sum cash benefits for non covered injuries Fund options including Equity funds to har


akes care of the follow-up tests and medicines post hospitalizationovers multiple major surgerieakes care of the follow-up tests and medicines post hospitalization

elps you to pay for your routine medical expenseovers multiple major surgerieelps you to pay for your routine medical expense

A comprehensive health plan thatA comprehensive health plan that

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Liquidity through partial withdrawalsLiquidity through partial withdrawalsOption to package with multiple riders

Flexibility to switch between funds / plan optionsFlexibility to switch between funds / plan optionshh

win benefit of market linked return and health protectionA Unit Linked plan with Unique Savings Component

win benefit of market linked return and health protectionA Unit Linked plan with Unique Savings Component

Illnesses. In short this plan provides you with a personalized quality Life offers the Hospitalization and Surgical Benefits and also covers Critical Illnesses. In short this plan provides you with a personalized quality Life offers the Hospitalization and Surgical Benefits and also covers Critical Illnesses. In short this plan provides you with a personalized quality

other injuries by encashment from the unit Fund. This plan from Reliance Life offers the Hospitalization and Surgical Benefits and also covers Critical

plan is that it not only provides benefits for covered injuries but also for other injuries by encashment from the unit Fund. This plan from Reliance

conjunction with contributions towards Savings. The uniqueness of this plan is that it not only provides benefits for covered injuries but also for conjunction with contributions towards Savings. The uniqueness of this

Income tax benefit under section 80C, 80 D and 10(10D) of the Income tax benefit under section 80C, 80 D and 10(10D) of the

Fund options including Equity funds to harFund options including Equity funds to harLump sum cash benefits for non covered injuries


overs multiple major surgerieakes care of the follow-up tests and medicines post hospitalizationovers multiple major surgerieselps you to pay for your routine medical expenseovers multiple major surgerieelps you to pay for your routine medical expenseelps you to pay for your routine medical expense

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Flexibility to switch between funds / plan optionsFlexibility to switch between funds / plan options

Ownership – Funds remain in the account from year to year even if you avail the health benefits.

How does this Plan work?This is a non profit unit linked health plan where there can be multiple lives insured. The principal insured is the policyholder and the other insured person(s) are the family member(s). The family consists of the Principal Insured (Policyholder), the Spouse as Insured Spouse and the first two eligible children by seniority in age. The plan takes care of the hospitalization expenses which include:

Daily Hospitalization expensesIntensive Care Unit expensesPost Hospitalization expenses in the form recuperation benefits

The premium contributed by you net of Premium Allocation Charges and Miscellaneous charges is invested in fund option of your choice for a specified period of time as selected by you and units are allocated depending on the price of units for the fund/funds. The Fund Value is the total value of units that you hold in the fund/funds.

The allocation charges are deducted from the premiums before allocation of units. The insurance charges (along with the service charge), are deducted through cancellation of units whereas the fund management charge is priced in the unit value. The premiums for riders, if selected, are payable over and above the premium for the basic policy.

Plan Details

1. Benefits

Benefits How and when payable Size of benefits

Daily Lump sum payment if the insured If the Principal Insured isHospital person has to stay for more than admitted in a ward otherCash 48 hours in hospital as a result than Intensive Care UnitBenefit of injury, sickness or disease (ICU), the daily cash benefit for the provided the policy is in force will be 5% of Annual Principal Premium subject to a Insured The hospital cash benefit will maximum of Rs.2500 per day.

be paid for each complete day of hospitalization (i.e.24 hours) If the Principal Insured is after the first 48 hours. There admitted in an Intensive will not be any payment for Care Unit (ICU), the daily part of the day i.e. before cash benefit will be twice completion of 24 hours. No the amount payable in a retroactive payments from day ward other than ICU.one are to be made.

The maximum number ofThere is a waiting period of 90 days that can be spent in andays from the date of adjustment ICU are restricted to 7 in of first premium or date of revival/ the first policy year and 30 reinstatement of policy whichever days during any policy year is later. No hospital cash benefit thereafter.claim will be entertained during the waiting period unless the The maximum number ofhospitalization has arisen on days (including days spent inaccount of an Accident. an ICU) that can be spent in

the hospital by the Principal Insured are restricted to 18 days in the first policy year and 60 days during any policy year thereafter.

During the entire policy term, the maximum numbers of days that can be spent in the hospital (including days spent in an ICU) by the Principal Insured are restricted to 180 days.

Daily Lump sum payment if the If the insured spouse is admittedHospital insured person has to stay for in a ward other than IntensiveCash more than 48 hours in hospital Care Unit (ICU), the dailyBenefit as a result of injury, sickness cash benefit will be 5% offor the or disease provided the policy Annual Premium subject to aInsured is in force maximum of Rs.1500 per day.Spouse (if any)

hospitalization has arisen on account of an Accident.

the waiting period unless the hospitalization has arisen on

claim will be entertained during the waiting period unless the claim will be entertained during

reinstatement of policy whichever is later.reinstatement of policy whichever of first premium or date of revivalreinstatement of policy whichever

days from the date of adjustment of first premium or date of revival

There is a waiting period of 90 days from the date of adjustment There is a waiting period of 90

retroactive payments from day one are to be made.retroactive payments from day completion of 24 hours. No retroactive payments from day

part of the day i.e. before completion of 24 hours. No part of the day i.e. before completion of 24 hours. No

will not be any payment for part of the day i.e. before

after the first 48 hours. There will not be any payment for

of hospitalization (i.e.24 hours) after the first 48 hours. There

be paid for each complete day of hospitalization (i.e.24 hours) be paid for each complete day The hospital cash benefit will be paid for each complete day The hospital cash benefit will be paid for each complete day

ee(ICU), the daily cash benefitthan Intensive Care Unitadmitted in a ward othethan Intensive Care Unit

f the admitted in a ward othe

ize of benefits

f the

ize of benefits

charge is priced in the unit value. The premiums for riders, if selected, arededucted through cancellation of units whereas the fund managementcharge is priced in the unit value. The premiums for riders, if selected, arededucted through cancellation of units whereas the fund management

ice charge), arededucted through cancellation of units whereas the fund management

The allocation charges are deducted from the premiums before allocation ice charge), are

The allocation charges are deducted from the premiums before allocation

alue is the alue is the

account of an Accident.hospitalization has arisen on account of an Accident.

the waiting period unless the hospitalization has arisen on the waiting period unless the claim will be entertained during the waiting period unless the

No hospital cash benefit claim will be entertained during

No hospital cash benefit claim will be entertained during

reinstatement of policy whichever No hospital cash benefit

of first premium or date of revivalreinstatement of policy whichever


There is a waiting period of 90 days from the date of adjustment There is a waiting period of 90 There is a waiting period of 90

one are to be made.retroactive payments from day one are to be made.

completion of 24 hours. No retroactive payments from day completion of 24 hours. No retroactive payments from day

part of the day i.e. before completion of 24 hours. No

will not be any payment for part of the day i.e. before

after the first 48 hours. There will not be any payment for

of hospitalization (i.e.24 hours) after the first 48 hours. There of hospitalization (i.e.24 hours) after the first 48 hours. There

be paid for each complete day of hospitalization (i.e.24 hours) be paid for each complete day

Premium subject to a maximum of Rs.2500 per daPremium subject to a will be 5% of AnnualPremium subject to a

(ICU), the daily cash benefitthan Intensive Care Unit(ICU), the daily cash benefitthan Intensive Care Unitadmitted in a ward othe

Principal Insured isadmitted in a ward othe

Principal Insured isadmitted in a ward othe

Principal Insured is

ize of benefitsize of benefits

charge is priced in the unit value. The premiums for riders, if selected, arededucted through cancellation of units whereas the fund managementcharge is priced in the unit value. The premiums for riders, if selected, arededucted through cancellation of units whereas the fund management

The allocation charges are deducted from the premiums before allocation The allocation charges are deducted from the premiums before allocation The allocation charges are deducted from the premiums before allocation



retroactive payments from day completion of 24 hours. No retroactive payments from day completion of 24 hours. No

If the Principal Insured is If the Principal Insured is

maximum of Rs.2500 per damaximum of Rs.2500 per daPremium subject to a maximum of Rs.2500 per daPremium subject to a will be 5% of AnnualPremium subject to a will be 5% of Annual(ICU), the daily cash benefitthan Intensive Care Unit(ICU), the daily cash benefitthan Intensive Care Unitadmitted in a ward othe

Principal Insured isPrincipal Insured is

e m


The hospital cash benefit will If the Insured Spouse is be paid for each complete day admitted in an Intensive Care of hospitalization (i.e.24 hours) Unit (ICU), the daily cash after the first 48 hours. There benefit will be twice the will not be any payment for part amount payable in a ward of the day i.e. before completion other than ICU.of 24 hours. No retroactive payments from day one are to The maximum number of be made. days that can be spent in an

ICU by the Insured Spouse are There is a waiting period of 90 restricted to 7 in the first days from the date of adjustment policy year and 30 days of first premium or date of revival/ during any policy year reinstatement of policy whichever thereafter.is later. No hospital cash benefit claim will be entertained during The maximum number of the waiting period unless the days (including days spent in hospitalization has arisen on an ICU) that can be spent in account of an accident. the hospital by the Insured

Spouse are restricted to 18 days in the first policy year and 60 days during any policy year thereafter.

During the entire policy term, the maximum numbers of days that can be spent in the hospital (including days spent in an ICU) by the Insured Spouse are restricted to 180 days.

Daily Lump sum payment if the insured If the Insured Child is admittedHospital person has to stay for more than in a ward other than IntensiveCash 48 hours in hospital as a result of Care Unit (ICU), the daily cashBenefit injury, sickness or disease benefit will be 2.5% of Annualfor the provided the policy is in force Premium subject to a maximumInsured of Rs.1250 per day.Children The hospital cash benefit will be(if any) paid for each complete day of If the Insured Child is admittedsubject to hospitalization (i.e.24 hours) after in an Intensive Care Unit (ICU),maximum the first 48 hours. There will not the daily cash benefit will be of first be any payment for part of the twice the amount payable in atwo day i.e. before completion of ward other than ICU.eligible 24 hours. No retroactive paymentschildren from day one are to be made. The maximum number of

days that can be spent in an There is a waiting period of 90 ICU by the Insured Child are days from the date of adjustment restricted to 7 in the first of first premium or date of revival/ policy year and 30 days during reinstatement of policy whichever any policy year thereafter.is later. No hospital cash benefit claim will be entertained during The maximum number of days the waiting period unless the (including days spent in an hospitalization has arisen on ICU) that can be spent in theaccount of an accident. hospital by the Insured Child

are restricted to 18 days in the first policy year and 60 days during any policy year thereafter.

During the entire policy term, the maximum numbers of days that can be spent in the hospital (including days spent in an ICU) by the Insured Child are restricted to 180 days (90 days until the child completes age 5 years).

Recuperat- This benefit is paid in addition to The amount of the recuperationion Benefit the daily hospital cash benefit. benefit for the Principal Insuredfor the will be equal to the twice the Principal This benefit will be payable in one amount of daily cash benefit Insured lump sum if the Principal Insured in a ward other than ICU

completes 5 full days (120 hours) payable to the Principal Insured.in a hospital (including days spent

the waiting period unless the claim will be entertained during the waiting period unless the

is laterclaim will be entertained during

reinstatement of policy whichever is later

of first premium or date of revival/reinstatement of policy whichever of first premium or date of revival/

There is a waiting period of 90 days from the date of adjustment There is a waiting period of 90 days from the date of adjustment There is a waiting period of 90

from day one are to be made.24 hours. No retroactive paymentfrom day one are to be made.

day i.e. before completion of24 hours. No retroactive paymentday i.e. before completion of24 hours. No retroactive payment

be any payment for part of thday i.e. before completion ofbe any payment for part of ththe first 48 hours. There will nohospitalization (i.e.24 hours) aftethe first 48 hours. There will no

paid for each complete day ofhospitalization (i.e.24 hours) afte

The hospital cash benefit will bepaid for each complete day ofThe hospital cash benefit will beThe hospital cash benefit will be

provided the policy is in foprovided the policy is in force Pe P

48 hours in hospital as a result ofperson has to stay for more than48 hours in hospital as a result of

d Iperson has to stay for more than in a ward other than Intensive

d If the Insured Child is admitted

are restricted to 180 days.ICU) by the Insured Spouseare restricted to 180 days.

(including days spent in an ICU) by the Insured Spouse

hat can be spent in the hospital(including days spent in an hat can be spent in the hospital

the maximum numbers of dayshat can be spent in the hospital

During the entire policy term,the maximum numbers of daysDuring the entire policy term,the maximum numbers of daysDuring the entire policy term,

year thereafterand 60 days during any policyyear thereafter.

days in the first policy yearand 60 days during any policydays in the first policy yearand 60 days during any policy

Spouse are restricted to 18days in the first policy year

he hospital by the Insured Spouse are restricted to 18

an ICU) that can be spent in he hospital by the Insured


days (including days spent inan ICU) that can be spent in

The maximum number ofdays (including days spent inThe maximum number of

account of an accident.hospitalization has arisen on account of an accident.

the waiting period unless the hospitalization has arisen on

claim will be entertained during the waiting period unless the claim will be entertained during is later. No hospital cash benefit claim will be entertained during

reinstatement of policy whichever . No hospital cash benefit

reinstatement of policy whichever . No hospital cash benefit

of first premium or date of revival/days from the date of adjustment of first premium or date of revival/

There is a waiting period of 90 days from the date of adjustment There is a waiting period of 90

from day one are to be made.from day one are to be made.24 hours. No retroactive paymentfrom day one are to be made.

day i.e. before completion of24 hours. No retroactive payment

be any payment for part of thday i.e. before completion ofbe any payment for part of ththe first 48 hours. There will nobe any payment for part of th

hospitalization (i.e.24 hours) aftethe first 48 hours. There will no

paid for each complete day ofhospitalization (i.e.24 hours) afte

The hospital cash benefit will bepaid for each complete day ofThe hospital cash benefit will beThe hospital cash benefit will be

e Pe P

Care Unit (ICU), the daily cashbenefit will be 2.5% of Annual

in a ward other than IntensiveCare Unit (ICU), the daily cashin a ward other than Intensivef the Insured Child is admitted

in a ward other than Intensivef the Insured Child is admittedf the Insured Child is admitted


(including days spent in an ICU) by the Insured Spouse(including days spent in an hat can be spent in the hospital

(including days spent in an

the maximum numbers of dayshat can be spent in the hospital

During the entire policy term,the maximum numbers of daysDuring the entire policy term,During the entire policy term,

and 60 days during any policydays in the first policy yearand 60 days during any policy

Spouse are restricted to 18days in the first policy yearSpouse are restricted to 18days in the first policy year

he hospital by the Insured Spouse are restricted to 18


days (including days spent inan ICU) that can be spent in days (including days spent inan ICU) that can be spent in days (including days spent in

days from the date of adjustment of first premium or date of revival/


from day one are to be made.24 hours. No retroactive paymentfrom day one are to be made.

be any payment for part of thday i.e. before completion of24 hours. No retroactive payment

be any payment for part of thday i.e. before completion ofbe any payment for part of ththe first 48 hours. There will nobe any payment for part of th

hospitalization (i.e.24 hours) aftethe first 48 hours. There will nohospitalization (i.e.24 hours) after i

If the Insu

of Rs.1250 per daThe hospital cash benefit will be

of Rs.1250 per daemium subject to a maximum

of Rs.1250 per daemium subject to a maximum

benefit will be 2.5% of AnnualCare Unit (ICU), the daily cashbenefit will be 2.5% of AnnualCare Unit (ICU), the daily cashin a ward other than Intensivef the Insured Child is admitted

in a ward other than Intensivef the Insured Child is admitted


. d


in an ICU) and has received the daily hospital cash benefit.

Recuperat- This benefit is paid in addition The amount of the recuperationion Benefit to the daily hospital cash benefit. benefit for the Insured Spousefor the will be equal to the twice the Insured This benefit will be payable in one amount of daily cash benefit Spouse, lump sum if the Insured Spouse in a ward other than ICU if any completes 5 full days (120 hours) payable to the Insured Spouse.

in a hospital (including days spent in an ICU) and has received the daily hospital cash benefit.

Recuperat- This benefit is paid in addition The amount of the recuperationion Benefit to the daily hospital cash benefit. benefit for the Insured Child for the will be equal to the twice the Insured This benefit will be payable in amount of daily cash benefit Child, one lump sum if the Insured in a ward other than ICU if any Child completes 5 full days (120 payable to the Insured Child.subject to hours) in a hospital (includingmaximum days spent in an ICU) and hasof first two received the daily hospitaleligible cash benefit.children

Death This benefit is payable in one The amount of benefit will be Benefit for lump sum on death of the equal to the fund value in Principal Principal Insured before the end respect of the base plan and Insured of the policy term. top ups if any. The fund value

will be calculated on the date The policy will be terminated on of death intimidation by the the death benefit for the Principal Company. Insured before the policy term.

Death There is no death benefit payable There is no death benefit Benefit on death of the spouse or any of payable on death of the spousefor the the insured child. However, the or any of the insured child Insured deduction of charges for hospital during the policy term. Spouse cash benefit for the dead person However, the deduction of and any will stop from the policy month charges for hospital cash of the immediately falling after the benefit for the dead person Insured receipt of intimation of death will stop from the policy Child by the Company month immediately falling

after the receipt of intimation of death by the Company

Maturity The maturity benefit is payable The Fund Value relating to Benefit in one lump sum on survival of the base policy and top-ups

the Principal Insured. will be paid. The fund value will be calculated on the

The policy will be terminated maturity date of the policy.on maturity.

Hospital Cash Benefit means in the event of Accidental Bodily Injury or Sickness first occurring or manifesting itself after the Date of Commencement of the policy and during the Policy Period and causing an Insured’s Hospitalization to exceed a continuous period of 48 hours within the Policy Period, then, subject to the terms, conditions and exclusions of the Policy, the Daily Benefit is payable by the Company.

Hospitalization means the Insured’s required stay as an inpatient in a Hospital within India for medically necessary treatment following and due to Accidental Bodily Injury or Sickness.

Hospitalisation period means the time (in number of hours and minutes) between the date and time (in hours and minutes) of admission in to the hospital and the date and time (in number of hours and minutes) of discharge from the hospital.

Hospital means an institution in India established for indoor care, offers allopathic treatment only for sickness and injuries and which:

1. is registered as a hospital or nursing home with the Appropriate Authorities and is under the supervision of a registered and qualified Physician, and

2. provides all the following facilities:

2.1. at least 10 inpatient beds

HospitalizatioHospital within India for medically necessaHospitalizatio

the Policthe Policthe Policy Period, then, subject to the terms, conditions and exclusions ofInsured’s Hospitalization to exceed a continuous period of 48 hours within the Policy Period, then, subject to the terms, conditions and exclusions of

Commencement of the policy and during the Policy Period and causing an Insured’s Hospitalization to exceed a continuous period of 48 hours within

Sickness first occurring or manifesting itself after the Date ofCommencement of the policy and during the Policy Period and causing an

Hospital Cash BenefiSickness first occurring or manifesting itself after the Date ofHospital Cash Benefi

on maturitThe policy will be terminated on maturitThe policy will be terminated

the Principal Insured.the Principal Insured.in one lump sum on surthe Principal Insured.

The maturity benefit is payablein one lump sum on surThe maturity benefit is payable

by the Company receipt of intimation of deathby the Company

immediately falling after threceipt of intimation of death

will stop from the policy montimmediately falling after th

cash benefit for the dead personwill stop from the policy montcash benefit for the dead personwill stop from the policy mont

deduction of charges for hospitalcash benefit for the dead persondeduction of charges for hospitalcash benefit for the dead person

r, thededuction of charges for hospital

on death of the spouse or any of the

There is no death benefit payableon death of the spouse or any ofThere is no death benefit payable

Companyof death intimidation by the Company

will be calculated on the date of death intimidation by the

top ups if anywill be calculated on the date

espect top ups if anywill be calculated on the date

espect of the base plan andtop ups if any

of the base plan andqual to the fund value in


The amount of benefit will bequal to the fund value in

The amount of benefit will be

payable to the Insured Childpayable to the Insured Childin a ward other than ICU payable to the Insured Child

amount of daily cash benefit in a ward other than ICU

will be equal to the twice the amount of daily cash benefit will be equal to the twice the

HospitalizatioHospital within India for medically necessaHospitalizatio

the Policy,the Policy Period, then, subject to the terms, conditions and exclusions ofthe Policy, the Daily Benefit is payable by the Company

s Hospitalization to exceed a continuous period of 48 hours within the Policy Period, then, subject to the terms, conditions and exclusions of

Commencement of the policy and during the Policy Period and causing an s Hospitalization to exceed a continuous period of 48 hours within

Commencement of the policy and during the Policy Period and causing an Sickness first occurring or manifesting itself after the Date ofCommencement of the policy and during the Policy Period and causing an

Hospital Cash BenefiSickness first occurring or manifesting itself after the Date ofHospital Cash BenefiHospital Cash Benefi

on maturiton maturity.The policy will be terminated The policy will be terminated

the Principal Insured.in one lump sum on surthe Principal Insured.

The maturity benefit is payablein one lump sum on surThe maturity benefit is payablein one lump sum on surThe maturity benefit is payable

receipt of intimation of deathimmediately falling after threceipt of intimation of death

will stop from the policy montimmediately falling after thwill stop from the policy montimmediately falling after the b

cash benefit for the dead personwill stop from the policy montcash benefit for the dead personwill stop from the policy mont

deduction of charges for hospitalcash benefit for the dead person

thededuction of charges for hospital

or any of the insured child payaor any of the insured child

There is no death benefit There is no death benefit

CompanyCompanyCompanyof death intimidation by the Company

will be calculated on the date of death intimidation by the

top ups if anywill be calculated on the date

of the base plan andtop ups if any


of the base plan and

The amount of benefit will bequal to the fund value in

The amount of benefit will be

payable to the Insured Childpayable to the Insured Childpayable to the Insured Child

amount of daily cash benefit amount of daily cash benefit

The policy will be terminated

the Principal Insured.in one lump sum on surthe Principal Insured.in one lump sum on surThe maturity benefit is payableThe maturity benefit is payable

receipt of intimation of deathreceipt of intimation of deathe b

h ce b

Howeveh c

during the policy term. Howeveduring the policy term. or any of the insured child during the policy term. or any of the insured child payable on death of the spouseor any of the insured child payable on death of the spouseThere is no death benefit

ble on death of the spouseThere is no death benefit

Companyof death intimidation by the

2.2. a fully equipped operation theatre of its own where surgical operations are carried out, and

2.3. fully qualified nursing staff under its employment 24 hours per day, and

2.4. fully qualified Physicians in supervision 24 hours per day, and

2.5. maintains a daily medical record for each of its patients.

3. For the purpose of this Policy, the term Hospital shall not include any institution which is primarily a rest home or convalescent facility, a place for custodial care, a facility for the aged or alcoholic or drug addicts or for the treatment of psychiatric or mental disorders; even if the institution has been registered as a hospital or nursing home with the Appropriate Authorities;

Accident means a sudden, unintended, fortuitous, violent, visible and external event and does not include any naturally occurring condition or degenerative process.

Accidental Bodily Injury means physical bodily harm or injury (but does not include any mental sickness, disease or illness) which is caused by an Accident which first occurs during the Cover Period for the Hospital Cash Benefit Cover and for the Major Surgical Benefit Cover and requires inpatient treatment or surgery in a Hospital by a Physician.

Sickness means a sickness or a disease which first manifests itself during the Policy Period and requires inpatient treatment in a Hospital by a Physician; It would not include any sickness or disease or any ailment arising out of an Accident or Accidental Bodily injury.

Intensive Care Unit (ICU) means a special ward in any Hospital that is used for the sole purpose of the treatment of patients with a critical or exigent condition, and where the patient is under 24 hour care and monitoring, by a Physician and a Nurse.

Waiting Period means the period of 90 days from the date of adjustment of first premium or date of revival/reinstatement of policy whichever is later. No hospital cash benefit claim will be entertained during the waiting period unless the hospitalization has arisen on account of an Accident.

If the Principle Insured is not married at the time of completing the proposal, he/she will have the option of including the spouse after the marriage. The option consent and the health questionnaire for the spouse should be received by the Company within 90 days from the date of marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy or otherwise. If the Company accepts the spouse under the policy, the health insurance will be effective from the policy anniversary falling immediately after the underwriting decision of the Company.

The deduction of charges for health insurance for Principle Insured will commence from the date of commencement of the policy. The deduction of charges for the spouse and the two children will commence from the effective policy anniversary following the date of inclusion of spouse and children in the policy.

If the Principle Insured dies during the policy term, the policy will be terminated by paying the fund value.

If the spouse included in the policy dies during the policy term, the deduction of health insurance charges for the deceased spouse will stop from the month immediately falling after the receipt of death intimation by the Company.

If the Principal Insured remarries subsequently, he/she will have the option of including the spouse in the policy. The option consent and the health questionnaire for the spouse should be received by the Company within 90 days from the date of marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy or otherwise. If the Company decides to accept the spouse under the policy, the health insurance for the spouse will be effective from the policy anniversary immediately falling after the underwriting decision of the Company.

If any of the child included in the policy dies during the policy term, the deduction of health insurance charges for the deceased person will stop from the month falling immediately after the date of receipt of death intimation by the Company.

If the Principle Insured does not have any child or has only one child at the time of completing the proposal form, he/she will have option of including the child after the child completes 3 months. The option consent and health questionnaire for the child should be received by the

days from the date of marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse

questionnaire for the spouse should be received by the Company within 90days from the date of marriage. The Company will examine the health questionnaire for the spouse should be received by the Company within 90days from the date of marriage. The Company will examine the health

of including the spouse in the policyquestionnaire for the spouse should be received by the Company within 90of including the spouse in the policyIf the Principal Insured remarries subsequently

by the Company

If the Principal Insured remarries subsequently

by the Companyfrom the month immediately falling after the receipt of death intimation by the Company

deduction of health insurance charges for the deceased spouse will stopfrom the month immediately falling after the receipt of death intimation

If the spouse included in the policy dies during the policy term, the deduction of health insurance charges for the deceased spouse will stopIf the spouse included in the policy dies during the policy term, the

terminated by paying the fund value.If the Principle Insured dies during the policy term, the policy will beterminated by paying the fund value.If the Principle Insured dies during the policy term, the policy will be

effective policy anniversachildren in the policyeffective policy anniversaof charges for the spouse and the two children will commence from the effective policy anniversa

commence from the date of commencement of the policyof charges for the spouse and the two children will commence from the

The deduction of charges for health insurance for Principle Insured will commence from the date of commencement of the policyThe deduction of charges for health insurance for Principle Insured will

writing decision of the Compan

The deduction of charges for health insurance for Principle Insured will

will be effective from the policy anniversawriting decision of the Compan

will be effective from the policy anniversawriting decision of the Compan

If the Company accepts the spouse under the policywill be effective from the policy anniversa

details and decide on the inclusion of the spouse in the policy If the Company accepts the spouse under the policy

marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy

should be received by the Company within 90 days from the date ofmarriage. The Company will examine the health questionnaire and other should be received by the Company within 90 days from the date ofmarriage. The Company will examine the health questionnaire and other

marriage. The option consent and the health questionnaire for the spouseshould be received by the Company within 90 days from the date ofmarriage. The option consent and the health questionnaire for the spouseshould be received by the Company within 90 days from the date of

proposal, he/she will have the option of including the spouse after the marriage. The option consent and the health questionnaire for the spouse

If the Principle Insured is not married at the time of completing the proposal, he/she will have the option of including the spouse after the If the Principle Insured is not married at the time of completing the

period unless the hospitalization has arisen on account of an Accident. No hospital cash benefit claim will be entertained during the waiting

period unless the hospitalization has arisen on account of an Accident

of first premium or date of revival/reinstatement of policy whichever is. No hospital cash benefit claim will be entertained during the waiting

means the period of 90 days from the date of adjustment of first premium or date of revival/reinstatement of policy whichever is

means the period of 90 days from the date of adjustment

exigent condition, and where the patient is under 24 hour care and exigent condition, and where the patient is under 24 hour care and used for the sole purpose of the treatment of patients with a critical orexigent condition, and where the patient is under 24 hour care and used for the sole purpose of the treatment of patients with a critical orexigent condition, and where the patient is under 24 hour care and

means a special ward in any Hospital that is used for the sole purpose of the treatment of patients with a critical or

means a special ward in any Hospital that is means a special ward in any Hospital that is

the Policy Period and requires inpatient treatment in a Hospital by a Physician; It would not include any sickness or disease or any ailment

means a sickness or a disease which first manifests itself during the Policy Period and requires inpatient treatment in a Hospital by a


means a sickness or a disease which first manifests itself during

Benefit Cover and for the Major Surgical Benefit Cover and requires Accident which first occurs during the Cover Period for the Hospital Cash Benefit Cover and for the Major Surgical Benefit Cover and requires

not include any mental sickness, disease or illness) which is caused by anAccident which first occurs during the Cover Period for the Hospital Cash

y (but doesnot include any mental sickness, disease or illness) which is caused by an

y (but doesy (but does

questionnaire for the spouse should be received by the Company within 90days from the date of marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse

questionnaire for the spouse should be received by the Company within 90days from the date of marriage. The Company will examine the health

of including the spouse in the policyquestionnaire for the spouse should be received by the Company within 90of including the spouse in the policyIf the Principal Insured remarries subsequently

by the Companyfrom the month immediately falling after the receipt of death intimation by the Company

deduction of health insurance charges for the deceased spouse will stopfrom the month immediately falling after the receipt of death intimation

If the spouse included in the policy dies during the policy term, the deduction of health insurance charges for the deceased spouse will stopIf the spouse included in the policy dies during the policy term, the deduction of health insurance charges for the deceased spouse will stopIf the spouse included in the policy dies during the policy term, the

terminated by paying the fund value.If the Principle Insured dies during the policy term, the policy will beterminated by paying the fund value.If the Principle Insured dies during the policy term, the policy will be

effective policy anniversaryof charges for the spouse and the two children will commence from the

ry following the date of inclusion of spouse and

commence from the date of commencement of the policyof charges for the spouse and the two children will commence from the commence from the date of commencement of the policyof charges for the spouse and the two children will commence from the

The deduction of charges for health insurance for Principle Insured will commence from the date of commencement of the policy



writing decision of the Companwill be effective from the policy anniversa


If the Company accepts the spouse under the policywill be effective from the policy anniversa

details and decide on the inclusion of the spouse in the policy If the Company accepts the spouse under the policy

marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy

should be received by the Company within 90 days from the date ofmarriage. The Company will examine the health questionnaire and other should be received by the Company within 90 days from the date ofmarriage. The Company will examine the health questionnaire and other

marriage. The option consent and the health questionnaire for the spouseshould be received by the Company within 90 days from the date of

proposal, he/she will have the option of including the spouse after the marriage. The option consent and the health questionnaire for the spouseproposal, he/she will have the option of including the spouse after the If the Principle Insured is not married at the time of completing the proposal, he/she will have the option of including the spouse after the


If the Principle Insured is not married at the time of completing the

. No hospital cash benefit claim will be entertained during the waitingperiod unless the hospitalization has arisen on account of an Accident

. No hospital cash benefit claim will be entertained during the waitingof first premium or date of revival/reinstatement of policy whichever is




exigent condition, and where the patient is under 24 hour care and exigent condition, and where the patient is under 24 hour care and used for the sole purpose of the treatment of patients with a critical or

means a special ward in any Hospital that is used for the sole purpose of the treatment of patients with a critical or

means a special ward in any Hospital that is

Physician; It would not include any sickness or disease or any ailmentthe Policy Period and requires inpatient treatment in a Hospital by a Physician; It would not include any sickness or disease or any ailment


means a sickness or a disease which first manifests itself during means a sickness or a disease which first manifests itself during

Accident which first occurs during the Cover Period for the Hospital Cash Accident which first occurs during the Cover Period for the Hospital Cash

following the date of inclusion of spouse andof charges for the spouse and the two children will commence from the

following the date of inclusion of spouse andof charges for the spouse and the two children will commence from the

following the date of inclusion of spouse and

commence from the date of commencement of the policyThe deduction of charges for health insurance for Principle Insured will commence from the date of commencement of the policy

writing decision of the Company.


writing decision of the Company.will be effective from the policy anniversaIf the Company accepts the spouse under the policywill be effective from the policy anniversa

details and decide on the inclusion of the spouse in the policy If the Company accepts the spouse under the policydetails and decide on the inclusion of the spouse in the policy If the Company accepts the spouse under the policy

marriage. The Company will examine the health questionnaire and other details and decide on the inclusion of the spouse in the policy

should be received by the Company within 90 days from the date ofmarriage. The Company will examine the health questionnaire and other

marriage. The option consent and the health questionnaire for the spouseshould be received by the Company within 90 days from the date ofmarriage. The option consent and the health questionnaire for the spouseproposal, he/she will have the option of including the spouse after the marriage. The option consent and the health questionnaire for the spouseproposal, he/she will have the option of including the spouse after the If the Principle Insured is not married at the time of completing the proposal, he/she will have the option of including the spouse after the If the Principle Insured is not married at the time of completing the


If the Principle Insured is not married at the time of completing the

. No hospital cash benefit claim will be entertained during the waitingperiod unless the hospitalization has arisen on account of an Accident


. No hospital cash benefit claim will be entertained during the waiting



Company within 90 days after the child completes 3 months. The Company will examine the questionnaire and decide on inclusion of the child in the policy or otherwise. The health insurance for the child will be effective from policy anniversary immediately falling after the date of underwriting decision by the Company.

If any of the child dies during the policy term, or the child attains the maximum benefit ceasing age, the Principle Insured will have option of including the next child in the policy. The Principle Insured will have to complete the health questionnaire for the child. The Company will examine the health questionnaire and decide on inclusion of the child in the policy or otherwise. If Company decides to accept the child, the health insurance on the child will be effective from the policy anniversary immediately falling after the underwriting decision of the Company.

If the spouse and any of the children are not included in the policy at the first opportunity, they can not be included at a later date.

Rider Benefits:The following optional riders are available on payment of additional premium to the Principle Insured, Insured Spouse and Insured Children provided conditions on riders(entry age, policy term, sum assured) are satisfied. These rider benefits can be selected on any policy anniversary during a policy term. However, the insured can avail of the riders only if he/she is continuing with the health insurance cover under the base plan.1. Reliance Major Surgical Benefit Rider, 2. Reliance Critical Conditions (25) Rider. 3. Reliance Term Life Insurance Benefit Rider - This rider can be selected

only if Reliance Term Life with Accident Benefit Rider is not selected.4 Reliance Term Life with Accident Benefit Rider - This rider can be

selected only if Reliance Term Life Insurance Rider Benefit is not selected.

What are the different fund / plan options? Fund / Plan Options:

The policy offers two plan options namely Ready-made Plan Option & Tailor-made Plan Option.

1. Ready-made Plan Option i.e. life stage based asset allocation – Under this option there will be three funds namely, Fund A, Fund B and Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as at last birthday respectively. On commencement of the policy, depending on the age of the principal insured, based upon last birthday, the premiums will be invested in one of the three Ready-made fund options. The change in the fund option, as the principal insured moves from one age band into the next, will be automatically effected at the next policy anniversary. This change will be applicable for the existing fund balances and future premiums.

The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:

AssetFund Asset Allocation TargetName Investment Objectives Category Range (%) (%)

Fund A The investment objective Corporate 20 - 100 20of this fund is to provide bonds andhigh real rate of return in other debt the long term through instruments/ high exposure to equity Bank deposits/investments, while Money marketrecognizing that there is instruments*significant probability of negative returns in the Equities 0 - 80 80short term, which will be moderated through some exposure to debt. The risk appetite is ‘high’.

Fund B The investment objective of Corporate 50 - 100 50the fund is to provide, in bonds and the long term, returns which other debtare significantly higher than instruments/the inflation rate, through Bank deposits/high exposure to equity Money marketinvestments, while instruments*recognizing that there is

the long term through high real rate of return in the long term through

of this fund is to provide high real rate of return in

The investment objective of this fund is to provide

The investment objective

Investment ObjectivesInvestment Objectives

various funds is as mentioned below:The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:The investment objective, risk profile and asset allocation range for the

fund balances and future premiums.

The investment objective, risk profile and asset allocation range for the

next policy anniversaryfund balances and future premiums.

from one age band into the next, will be automatically effected at the ry. This change will be applicable for the existing

from one age band into the next, will be automatically effected at the options. The change in the fund option, as the principal insured movesfrom one age band into the next, will be automatically effected at the

premiums will be invested in one of the three Ready-made fundoptions. The change in the fund option, as the principal insured moves

on the age of the principal insured, based upon last birthdaypremiums will be invested in one of the three Ready-made fundon the age of the principal insured, based upon last birthdaypremiums will be invested in one of the three Ready-made fund

. On commencement of the policon the age of the principal insured, based upon last birthday

and Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as at. On commencement of the polic

and Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as atUnder this option there will be three funds namelReady-made Plan Option i.e. life stage based asset allocationUnder this option there will be three funds namelReady-made Plan Option i.e. life stage based asset allocation

The policy offers two plan options namely Ready-made Plan Option & The policy offers two plan options namely Ready-made Plan Option &

an options?an options?an options?

rm Life Insurance Rider Benefit is not selected.rm Life with Accident Benefit Rider - This rider can be

rm Life Insurance Rider Benefit is not selected.rm Life with Accident Benefit Rider - This rider can be

rm Life with Accident Benefit Rider is not selected.rm Life with Accident Benefit Rider - This rider can be

rm Life Insurance Benefit Rider - This rider can be selected rm Life with Accident Benefit Rider is not selected.

rm Life Insurance Benefit Rider - This rider can be selected rm Life Insurance Benefit Rider - This rider can be selected

he/she is continuing with the health insurance cover under the base plan., the insured can avail of the riders only if

he/she is continuing with the health insurance cover under the base plan.

satisfied. These rider benefits can be selected on any policy anniversa, the insured can avail of the riders only if

satisfied. These rider benefits can be selected on any policy anniversa age, policy term, sum assured) are

satisfied. These rider benefits can be selected on any policy anniversa

premium to the Principle Insured, Insured Spouse and Insured Children age, policy term, sum assured) are

The following optional riders are available on payment of additional premium to the Principle Insured, Insured Spouse and Insured Children

recognizing that there is investments, while recognizing that there is

high exposure to equity investments, while

the long term through high exposure to equity

high real rate of return in the long term through

of this fund is to provide high real rate of return in

The investment objective of this fund is to provide

The investment objective The investment objective

Investment Objectives

The investment objective

Investment ObjectivesInvestment Objectives

The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:



fund balances and future premiums. . This change will be applicable for the existing


from one age band into the next, will be automatically effected at the . This change will be applicable for the existing

options. The change in the fund option, as the principal insured movesfrom one age band into the next, will be automatically effected at the

premiums will be invested in one of the three Ready-made fundoptions. The change in the fund option, as the principal insured movespremiums will be invested in one of the three Ready-made fundoptions. The change in the fund option, as the principal insured moves

on the age of the principal insured, based upon last birthdaypremiums will be invested in one of the three Ready-made fund



and Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as atUnder this option there will be three funds nameland Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as atUnder this option there will be three funds namelReady-made Plan Option i.e. life stage based asset allocationUnder this option there will be three funds namelReady-made Plan Option i.e. life stage based asset allocation

The policy offers two plan options namely Ready-made Plan Option & The policy offers two plan options namely Ready-made Plan Option & The policy offers two plan options namely Ready-made Plan Option &

rm Life Insurance Rider Benefit is not selected.rm Life Insurance Rider Benefit is not selected.rm Life with Accident Benefit Rider - This rider can be

rm Life with Accident Benefit Rider is not selected.rm Life Insurance Benefit Rider - This rider can be selected

rm Life with Accident Benefit Rider is not selected.rm Life Insurance Benefit Rider - This rider can be selected rm Life Insurance Benefit Rider - This rider can be selected

he/she is continuing with the health insurance cover under the base plan.he/she is continuing with the health insurance cover under the base plan., the insured can avail of the riders only if

he/she is continuing with the health insurance cover under the base plan.

satisfied. These rider benefits can be selected on any policy anniversary, the insured can avail of the riders only if

age, policy term, sum assured) arery

premium to the Principle Insured, Insured Spouse and Insured Children premium to the Principle Insured, Insured Spouse and Insured Children

various funds is as mentioned below:various funds is as mentioned below:The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:



. This change will be applicable for the existingfund balances and future premiums.

. This change will be applicable for the existingfund balances and future premiums.

options. The change in the fund option, as the principal insured movesfrom one age band into the next, will be automatically effected at the options. The change in the fund option, as the principal insured movesfrom one age band into the next, will be automatically effected at the

premiums will be invested in one of the three Ready-made fundoptions. The change in the fund option, as the principal insured movespremiums will be invested in one of the three Ready-made fundoptions. The change in the fund option, as the principal insured moves

on the age of the principal insured, based upon last birthdaypremiums will be invested in one of the three Ready-made fund



Under this option there will be three funds nameland Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as atUnder this option there will be three funds nameland Fund C for the age bands 18 to 40, 41 to 60 and over 61 years as at

Ready-made Plan Option i.e. life stage based asset allocationUnder this option there will be three funds namelReady-made Plan Option i.e. life stage based asset allocation

The policy offers two plan options namely Ready-made Plan Option & The policy offers two plan options namely Ready-made Plan Option & The policy offers two plan options namely Ready-made Plan Option &


some probability of negative Equities 0 - 50 50returns in the short term. The risk appetite is ‘moderate to high’.

Fund C The investment objective of Money market 0 - 40 0the fund is to provide instrumentsinvestment returns that incl. liquidexceed the rate of inflation mutual fundsin the long term while and bankmaintaining low probability deposits*of negative returns in the short term. The risk appetite Debt Securities 40 - 100 80is defined as ‘low to moderate’.

Equities 0 - 20 20

Systematic Transfer Plan (STP) option

Systematic Transfer Plan is available only if the Tailor-made plan is chosen. This feature if chosen allows the policyholder to initially park his / her contributions towards equity fund, in the Gilt fund and then systematically transfer this amount into the equity fund over 4 weeks.

2. Tailor-made Plan Option – Under this option you have the full freedom to decide your fund mix. – Money Market, Corporate Bond, Gilt, & Equity Fund, Infrastructure, Midcap, Energy and Pure Equity Funds. The maximum allocation towards Money Market cannot exceed 40% of the premium contribution at any point in time. All the eight funds are available irrespective of attained age.

The investment objective, risk profile and asset allocation range for the various funds is as mentioned below:


Money The investment objective of Money market 100 100Market the fund is to maintain the instruments

capital value of all incl. liquidcontributions (net of charges) mutual fundsand all interest additions, at all and banktimes. The risk appetite is low. deposits*

Gilt The investment objective is Central 20 - 100 80to provide returns that exceed Governmentthe inflation rate, without Securitiestaking any credit risk (sovereign risk only) and Other 0 - 40 20maintaining a low probability governmentof negative return over securitiesshort term. The risk appetite includingis low to moderate. securities with

unconditional Central Government guarantee

Money market 0 – 40 0instruments incl. liquid mutual funds and bank deposits*

Corpo- The investment objective is Corporate 60 - 100 100rate to provide returns that exceed bonds/ Bond the inflation rate, while debentures

taking some credit risk and other debt(through investments in instrumentscorporate debt instruments) and maintaining a moderate Money market 0 – 40 0probability of negative return instrumentsover short term. The risk incl. liquidappetite is low to moderate. mutual funds

and bank deposits

is low to moderate. short term. The risk appetite is low to moderate.

of negative return over short term. The risk appetite

maintaining a low probability of negative return over

(sovereign risk only) and maintaining a low probability

taking any credit risk(sovereign risk only) and

the inflation rate, without taking any credit risk

to provide returns that exceed the inflation rate, without taking any credit risk

The investment objective is to provide returns that exceed The investment objective is The investment objective is

times. The risk appetite is loand all interest additions, at all times. The risk appetite is lo

contributions (net of charges) and all interest additions, at all contributions (net of charges) and all interest additions, at all contributions (net of charges)

the fund is to maintain the The investment objective ofThe investment objective of Money market

CategoAssetCategoAsset

The investment objective, risk profile and asset allocation range for the The investment objective, risk profile and asset allocation range for the

funds are available irrespective of attained age.the premium contribution at any point in time. All the eight funds are available irrespective of attained age.

The maximum allocation towards Money Market cannot exceed 40% ofthe premium contribution at any point in time. All the eight The maximum allocation towards Money Market cannot exceed 40% ofEquity Fund, Infrastructure, Midcap, Energy and Pure Equity Funds.The maximum allocation towards Money Market cannot exceed 40% of

to decide your fund mix. – Money Market, Corporate Bond, Gilt, & Equity Fund, Infrastructure, Midcap, Energy and Pure Equity Funds.to decide your fund mix. – Money Market, Corporate Bond, Gilt, &

– Under this option you have the full freedom to decide your fund mix. – Money Market, Corporate Bond, Gilt, &

– Under this option you have the full freedom

systematically transfer this amount into the equity fund over 4 weeks.contributions towards equity fund, in the Gilt fund and thensystematically transfer this amount into the equity fund over 4 weeks.

This feature if chosen allows the policyholder to initially park his / her contributions towards equity fund, in the Gilt fund and then

ailor-made plan is chosen. This feature if chosen allows the policyholder to initially park his / her

ailor-made plan is chosen. This feature if chosen allows the policyholder to initially park his / her

ailor-made plan is chosen.

20

is low to moderate. short term. The risk appetite is low to moderate.

of negative return over short term. The risk appetite

maintaining a low probability of negative return over maintaining a low probability of negative return over

taking any credit risk(sovereign risk only) and taking any credit risk(sovereign risk only) and

the inflation rate, without taking any credit risk

to provide returns that exceed the inflation rate, without

The investment objective is to provide returns that exceed The investment objective is

times. The risk appetite is loand all interest additions, at all times. The risk appetite is loand all interest additions, at all contributions (net of charges) mut

incl. liquiincl. liquiinstrumentsMoney marketinstrumentsMoney market

Catego

Money market

Category

The investment objective, risk profile and asset allocation range for the The investment objective, risk profile and asset allocation range for the The investment objective, risk profile and asset allocation range for the

the premium contribution at any point in time. All the eight The maximum allocation towards Money Market cannot exceed 40% ofthe premium contribution at any point in time. All the eight The maximum allocation towards Money Market cannot exceed 40% ofthe premium contribution at any point in time. All the eight

Equity Fund, Infrastructure, Midcap, Energy and Pure Equity Funds.The maximum allocation towards Money Market cannot exceed 40% of

to decide your fund mix. – Money Market, Corporate Bond, Gilt, & Equity Fund, Infrastructure, Midcap, Energy and Pure Equity Funds.



systematically transfer this amount into the equity fund over 4 weeks.

– Under this option you have the full freedom

systematically transfer this amount into the equity fund over 4 weeks.systematically transfer this amount into the equity fund over 4 weeks.

This feature if chosen allows the policyholder to initially park his / her ailor-made plan is chosen.

This feature if chosen allows the policyholder to initially park his / her ailor-made plan is chosen.

(sovereign risk only) and maintaining a low probability (sovereign risk only) and maintaining a low probability

taking any credit risk(sovereign risk only) and

the inflation rate, without to provide returns that exceed the inflation rate, without

The investment objective is to provide returns that exceed The investment objective is

w. depw. depand bankdep

mutand bank

incl. liquimutual fundsincl. liqui

Money marketinstrumentsMoney marketinstrumentsMoney market

The investment objective, risk profile and asset allocation range for the The investment objective, risk profile and asset allocation range for the


Equity The investment objective is Equities 0 - 100 100to provide high real rate of return in the long term Corporate bonds 0 - 100 0through high exposure to and other debtequity investments, while instruments/recognizing that there is Bank deposits/significant probability of Money marketnegative returns in the short instruments*term. The risk appetite for this fund is High.

Infrast- Provide high rate of return Equities in 0-100 100ructure in the long term through InfrastructureFund high exposure to equity and allied sector

investments in Infrastructure and allied sectors, while Corporate bonds 0-100 0recognizing that there is a and other debtsignificant probability of relatednegative returns in the instruments/short term. The risk appetite Banks deposits/is high Money market

Instruments*

Energy Provide high rate of return Equities in 0-100 100Fund in the long term through Energy and

high exposure to equity allied sectorinvestments in Energy and allied sectors, while | Corporate 0-100 0recognizing that there is a bonds and other significant probability of debt relatednegative returns in the instruments/short term. The risk appetite Banks deposits/is high Money market

Instruments*

Pure Provide high real rate of Equities in 60 -100 100Equity return in the long term sectors otherFund through high exposure to than banks and

equity investments, while non-bankingrecognizing that there is financialsignificant probability of companies,negative returns in the breweries,short term. The risk distilleries,appetite is high alcohol based

chemicals, cigarettes, tobacco, entertainment, leather, sugar and hatcheries.

Corporate bonds 0 – 40 0and other debt instruments/ Bank deposits/ Money market instruments*

* The proportion in money market instruments will be restricted to 40%.Whilst every attempt would be made to attain target levels prescribed above, it may not be possible to maintain the prescribed ‘target’ at all times owing to market volatility, availability of market volumes and other related factors. The ‘target’ may be attained on a ‘best effort’ basis. However, the asset allocation will always fall within the asset allocation range mentioned in respect of each fund.

Midcap Fund

Provide high rate of return in the long term through high exposure to equity investments in Midcap companies. While recognizing that there is significant probability of negative returns in the short term. The risk appetite is high

Equities predominantly in mid cap companies

0-100 100

Corporate bonds and other debt related instruments/ Banks deposits/ Money market Instruments*

0-100 0

appetite is highshort term. The risk appetite is high

negative returns in the short term. The risk

significant probability of negative returns in the

recognizing that there is significant probability of recognizing that there is significant probability of

equity investments, while recognizing that there is

through high exposure to equity investments, while

return in the long term through high exposure to

Provide high real rate ofreturn in the long term Provide high real rate of

significant probability ofCorporate

companie

Corporate

in mid cap companiein mid cap companie

predominantlyin mid cap

quities predominantlyquities

InstrumentsMoney marketInstruments

Banks depositsMoney market

/Banks deposits

bonds and other 0-100-100-10

0 10 1

appetite is highshort term. The risk appetite is high

negative returns in the short term. The risk negative returns in the short term. The risk

significant probability of negative returns in the significant probability of negative returns in the

recognizing that there is significant probability of

equity investments, while recognizing that there is


return in the long term through high exposure to

Provide high real rate ofreturn in the long term Provide high real rate ofreturn in the long term Provide high real rate of

related other debt bonds and other debt

Corporate bonds and Corporate bonds and Corporate

companiein mid cap companie

predominantlyin mid cap predominantly

*Money marketMoney market

/

0 00 0

0 10 10 1


return in the long term through high exposure to return in the long term Provide high real rate of

Money market Instruments*

Banks deposits/Money market

instruments/Banks deposits/instruments/Banks deposits/

related instruments/

other debt related

bonds and other debt

Corporate bonds and Corporate

companie

predominantly0-10

Unit pricing & Cut-off TimingsValue of Units: The computation of unit value will be based on whether the Company is purchasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the Company shall be required to sell/purchase the assets if unit redemptions/allocations exceed unit allocations/redemptions at the valuation date.

The unit price of each Fund will be the unit value calculated on a daily basis.

Total Market Value of assets plus(less) expenses incurred in the purchase (sale) of assets plus Current Assets plus any accrued income net of fund management charges less Current Liabilities less Provision

Unit Value=Total Number of units on issue (before any new units are allocated (redeemed)

Cut-off Timings

a) Uniform cut-off timings for applicability of Net Asset Value:The allotment of units to the policyholder should be done only after the receipt of premium proceeds as stated below.

b) Allocations (premium allocations, switch)In case of new business, units shall be allocated on the day proposal is completed and results into a policy by adjustment of application money towards premium.

In the case of renewal premiums, the premium will be adjusted on the due date, whether or not it has been received in advance. (This assumes that the full stipulated premium is received on the due date.) Renewal premiums received in advance will be kept in the deposit account and will not earn any returns until the renewal premium due date on which the same will be applied to the unit funds.

i) In respect of renewal premiums/funds switched received up to 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the day on which premium/funds switched is received shall be applicable.

ii) In respect of renewal premiums received after 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the next business day shall be applicable.

iii) In respect of renewal premiums received with outstation cheques/demand drafts at the place where the premium is received, the closing NAV of the day on which cheques/demand draft is realized shall be applicable.

iv) For advance renewal premium the closing NAV of the due date is applicable. The Premium till the due date shall not be allocated and kept in deposit. Any amount less than the due stipulated regular premium payable for new business as stated in the contract will not be accepted

Fund Valuation: The value of the fund will be equal to the no of units multiplied by the Net Asset Value (NAV) of each unit in the fund.

The computation of NAV will be based on whether the Company is purchasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the Company shall be required to sell/purchase the assets if unit redemptions/allocations exceed unit allocations/redemptions at the valuation date.

The Appropriation price shall apply in a situation when the company is required to purchase the assets to allocate the units at the valuation date. This shall be the amount of money that the company should put into the fund in respect of each unit it allocates in order to preserve the interests of the existing policyholders.

The Expropriation price shall apply in a situation when the company is required to sell assets to redeem the units at the valuation date. This shall be the amount of money that the company should take out of the fund in respect of each unit it cancels in order to preserve the interests of the continuing policyholders.

Computation of Net Asset Value (NAV): When Appropriation price is applied: The NAV for a particular fund shall be computed as: Market value of investment held by the fund

allocations/redemptions at the valuation datesell/purand unit redemptions i.e. the Company shall be required tosell/pur

assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the Company shall be required to

puassets in order to meet the day to day transactions of unit allocations

rchasing (appropriation price) or selling (expropriation price) the The computation of NA

hasing (appropriation price) or selling (expropriation price) the

Net Asset V

The computation of NA

The value of the fund will be equal to the no of units multiplied by the Net Asset VThe value of the fund will be equal to the no of units multiplied by the

luation: The value of the fund will be equal to the no of units multiplied by the

luation:

for new business as stated in the contract will not be accepteAny amount less than the due stipulated regular premium payable for new business as stated in the contract will not be accepte

kept in deposit. Any amount less than the due stipulated regular premium payable

applicable. The Premium till the due date shall not be allocated andkept in deposit.

For advance renewal premium the closing NAapplicable. The Premium till the due date shall not be allocated andFor advance renewal premium the closing NA

realized shall be applicablerealized shall be applicableV of the day on which cheques/demand draft is

realized shall be applicable

cheques/demand drafts at the place where the premium is received, V of the day on which cheques/demand draft is

In respect of renewal premiums received with outstation cheques/demand drafts at the place where the premium is received, In respect of renewal premiums received with outstation cheques/demand drafts at the place where the premium is received,

next business day shall be applicable

In respect of renewal premiums received with outstation

at the place where the premium is received, the closing NAnext business day shall be applicableat the place where the premium is received, the closing NAinsurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NA

In respect of renewal premiums received after 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par In respect of renewal premiums received after 3.00 p.m. by the In respect of renewal premiums received after 3.00 p.m. by the

V of the day on which premium/funds switched is V of the day on which premium/funds switched is payable at par at the place where the premium is received, the

V of the day on which premium/funds switched is

p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the

In respect of renewal premiums/funds switched received up to 3.00p.m. by the insurer along with a local cheque or a demand draft

which the same will be applied to the unit funds.

In respect of renewal premiums/funds switched received up to 3.00

will not earn any returns until the renewal premium due date on which the same will be applied to the unit funds.

premiums received in advance will be kept in the deposit account andwill not earn any returns until the renewal premium due date on premiums received in advance will be kept in the deposit account andwill not earn any returns until the renewal premium due date on premiums received in advance will be kept in the deposit account andthat the full stipulated premium is received on the due date.) Renewal due date, whether or not it has been received in advance. (This assumesthat the full stipulated premium is received on the due date.) Renewal due date, whether or not it has been received in advance. (This assumesthat the full stipulated premium is received on the due date.) Renewal

In the case of renewal premiums, the premium will be adjusted on the due date, whether or not it has been received in advance. (This assumesIn the case of renewal premiums, the premium will be adjusted on the

completed and results into a policy by adjustment of application completed and results into a policy by adjustment of application In case of new business, units shall be allocated on the day proposal iscompleted and results into a policy by adjustment of application In case of new business, units shall be allocated on the day proposal is

The allotment of units to the policyholder should be done only after The allotment of units to the policyholder should be done only after

allocations/redemptions at the valuation date

The

sell/purallocations/redemptions at the valuation date

and unit redemptions i.e. the Company shall be required tosell/purand unit redemptions i.e. the Company shall be required tosell/pur

assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the Company shall be required to

hasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations

The computation of NAhasing (appropriation price) or selling (expropriation price) the

The computation of NA

alue (NAalue (NAThe value of the fund will be equal to the no of units multiplied by the

alue (NA

luation: The value of the fund will be equal to the no of units multiplied by the

luation:

for new business as stated in the contract will not be accepteAny amount less than the due stipulated regular premium payable for new business as stated in the contract will not be accepteAny amount less than the due stipulated regular premium payable

applicable. The Premium till the due date shall not be allocated andapplicable. The Premium till the due date shall not be allocated andFor advance renewal premium the closing NAapplicable. The Premium till the due date shall not be allocated andFor advance renewal premium the closing NA

realized shall be applicableV of the day on which cheques/demand draft is

realized shall be applicable

cheques/demand drafts at the place where the premium is received, V of the day on which cheques/demand draft is

cheques/demand drafts at the place where the premium is received, In respect of renewal premiums received with outstation

next business day shall be applicablenext business day shall be applicableat the place where the premium is received, the closing NAnext business day shall be applicableat the place where the premium is received, the closing NAinsurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NA

In respect of renewal premiums received after 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par In respect of renewal premiums received after 3.00 p.m. by the

V of the day on which premium/funds switched is payable at par at the place where the premium is received, the

V of the day on which premium/funds switched is payable at par at the place where the premium is received, the p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the p.m. by the insurer along with a local cheque or a demand draft In respect of renewal premiums/funds switched received up to 3.00p.m. by the insurer along with a local cheque or a demand draft In respect of renewal premiums/funds switched received up to 3.00

will not earn any returns until the renewal premium due date on premiums received in advance will be kept in the deposit account andwill not earn any returns until the renewal premium due date on premiums received in advance will be kept in the deposit account andthat the full stipulated premium is received on the due date.) Renewal premiums received in advance will be kept in the deposit account and

due date, whether or not it has been received in advance. (This assumesthat the full stipulated premium is received on the due date.) Renewal

In the case of renewal premiums, the premium will be adjusted on the due date, whether or not it has been received in advance. (This assumesIn the case of renewal premiums, the premium will be adjusted on the

completed and results into a policy by adjustment of application In case of new business, units shall be allocated on the day proposal iscompleted and results into a policy by adjustment of application In case of new business, units shall be allocated on the day proposal isIn case of new business, units shall be allocated on the day proposal is

Any amount less than the due stipulated regular premium payable for new business as stated in the contract will not be accepteAny amount less than the due stipulated regular premium payable

applicable. The Premium till the due date shall not be allocated andFor advance renewal premium the closing NAapplicable. The Premium till the due date shall not be allocated andFor advance renewal premium the closing NA

V of the day on which cheques/demand draft is V of the day on which cheques/demand draft is cheques/demand drafts at the place where the premium is received,

V of the day on which cheques/demand draft is cheques/demand drafts at the place where the premium is received,

V of the day on which cheques/demand draft is

In respect of renewal premiums received with outstation cheques/demand drafts at the place where the premium is received,


In respect of renewal premiums received with outstation

next business day shall be applicable.

insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAinsurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NA

In respect of renewal premiums received after 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par In respect of renewal premiums received after 3.00 p.m. by the In respect of renewal premiums received after 3.00 p.m. by the

V of the day on which premium/funds switched is payable at par at the place where the premium is received, the

V of the day on which premium/funds switched is payable at par at the place where the premium is received, the p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the

In respect of renewal premiums/funds switched received up to 3.00p.m. by the insurer along with a local cheque or a demand draft In respect of renewal premiums/funds switched received up to 3.00

plus the expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any new units are allocated), gives the unit price of the fund under consideration.

When Expropriation price is applied: The NAV for a particular fund shall be computed as: Market Value of investment held by the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any units are redeemed), gives the unit price of the fund under consideration.

In case the valuation day falls on a holiday, then the exercise will be done the following working day.

We reserve the right to value less frequently than everyday in extreme circumstances, where the value of the assets may be too uncertain. In such circumstances we may defer valuation of assets until normality returns. Examples of such circumstances are:a) When one or more stocks exchanges which provide a basis for

valuation for a substantial portion of the assets of the fund are closed otherwise than for ordinary holidays

b) When, as a result of political, economic, monetary or any circumstances out of our control, the disposal of the assets of the unit fund are not reasonable or would not reasonably be practicable without being detrimental to the interests of the remaining unit holders.

c) During periods of extreme volatility of markets during which surrenders and switches would, in our opinion, be detrimental to the interests of the existing unit holders of the fund.

d) In the case of natural calamities, strikes, war, civil unrest, riots and bandhs.

e) In the event of any force majeure or disaster that affects our normal functioning.

f) If so directed by the IRDA.

c. Redemptions:In respect of valid applications received (e.g. surrender, maturity claim, switch etc) up to 3.00 p.m. by the insurer, the same day’s closing unit price shall be applicable.

In respect of valid applications received (e.g. surrender, maturity claim, switch etc) after 3.00 p.m. by the insurer, the closing unit price of the next business day shall be applicable.

The unit price for each segregated fund provided under this product shall be made available to the public in the print media on a daily basis. The unit price will also be displayed in the web portal of the company.

d. Cancellation of units:To meet fees and charges, and to pay benefits, the company will cancel sufficient units to meet the amount of the payments which are due. If units are held in more than one unit linked fund, then the company will cancel sufficient units in each fund to meet the amount of the payment. The value of units cancelled in a particular fund will be in the same proportion as the value of units held in that fund is to the total value of units held across all funds. The units will be cancelled at the prevailing unit price.

Flexibility available under Reliance Wealth+Health Plan

a) Partial Withdrawals

Partial withdrawals are available only after a period of three years from the date of commencement of the policy. Charge for partial withdrawal same as surrender charge

There will be no partial withdrawal charge if the withdrawal is made to fund medical expenses. Otherwise there will be a charge as given below:

Year of Partial Partial Withdrawal charge as percentage of Withdrawal basic policy fund value

1 to 3 Partial Withdrawal not payable

4 5%

Fle

the prevailing unit price.total value of units held across all funds. The units will be cancelled atthe prevailing unit price.

the same proportion as the value of units held in that fund is to the total value of units held across all funds. The units will be cancelled at

payment. The value of units cancelled in a particular fund will be in the same proportion as the value of units held in that fund is to the payment. The value of units cancelled in a particular fund will be in

units are held in more than one unit linked fund, then the company will cancel sufficient units in each fund to meet the amount of the units are held in more than one unit linked fund, then the company will cancel sufficient units in each fund to meet the amount of the

sufficient units to meet the amount of the payments which are due. Ifunits are held in more than one unit linked fund, then the company

meet fees and charges, and to pay benefits, the company will cancelsufficient units to meet the amount of the payments which are due. If

Cancellation of units meet fees and charges, and to pay benefits, the company will cancel

Cancellation of units

basis. The unit price will also be displayed in the web portal of the companyshall be made available to the public in the print media on a daily basis. The unit price will also be displayed in the web portal of the company

The unit price for each segregated fund provided under this product shall be made available to the public in the print media on a daily The unit price for each segregated fund provided under this product

next business day shall be applicableswitch etc) after 3.00 p.m. by the insurenext business day shall be applicableswitch etc) after 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeswitch etc) after 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrende

switch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeswitch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrende

e majeure or disaster that affects our normal e majeure or disaster that affects our normal

In the case of natural calamities, strikes, waIn the case of natural calamities, strikes, wathe interests of the existing unit holders of the fundsurrenders and switches would, in our opinion, be detrimental tothe interests of the existing unit holders of the fund

During periods of extreme volatility of markets during which surrenders and switches would, in our opinion, be detrimental toDuring periods of extreme volatility of markets during which

practicable without being detrimental to the interests of the unit fund are not reasonable or would not reasonably bepracticable without being detrimental to the interests of the unit fund are not reasonable or would not reasonably bepracticable without being detrimental to the interests of the

umstances out of our control, the disposal of the assets of the unit fund are not reasonable or would not reasonably be

umstances out of our control, the disposal of the assets of the ry or any

valuation for a substantial portion of the assets of the fund areWhen one or more stocks exchanges which provide a basis for valuation for a substantial portion of the assets of the fund areWhen one or more stocks exchanges which provide a basis for valuation for a substantial portion of the assets of the fund areWhen one or more stocks exchanges which provide a basis for

umstances we may defer valuation of assets until normalityumstances we may defer valuation of assets until normality

yday in extreme umstances, where the value of the assets may be too uncertain. In

yday in extreme umstances, where the value of the assets may be too uncertain. In

yday in extreme

xibilit

the prevailing unit price.the prevailing unit price.total value of units held across all funds. The units will be cancelled atthe prevailing unit price.

the same proportion as the value of units held in that fund is to the payment. The value of units cancelled in a particular fund will be in the same proportion as the value of units held in that fund is to the

will cancel sufficient units in each fund to meet the amount of the payment. The value of units cancelled in a particular fund will be in

units are held in more than one unit linked fund, then the company will cancel sufficient units in each fund to meet the amount of the units are held in more than one unit linked fund, then the company sufficient units to meet the amount of the payments which are due. Ifunits are held in more than one unit linked fund, then the company

meet fees and charges, and to pay benefits, the company will cancelsufficient units to meet the amount of the payments which are due. If

meet fees and charges, and to pay benefits, the company will cancelCancellation of units

basis. The unit price will also be displayed in the web portal of the company

Cancellation of units

shall be made available to the public in the print media on a daily basis. The unit price will also be displayed in the web portal of the company

The unit price for each segregated fund provided under this product shall be made available to the public in the print media on a daily The unit price for each segregated fund provided under this product shall be made available to the public in the print media on a daily


The unit price for each segregated fund provided under this product

next business day shall be applicableswitch etc) after 3.00 p.m. by the insurenext business day shall be applicable

In respect of valid applications received (e.g. surrendeswitch etc) after 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrende

switch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeswitch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeIn respect of valid applications received (e.g. surrende


In the case of natural calamities, strikes, waIn the case of natural calamities, strikes, war,the interests of the existing unit holders of the fund

r,the interests of the existing unit holders of the fundsurrenders and switches would, in our opinion, be detrimental tothe interests of the existing unit holders of the fund

During periods of extreme volatility of markets during which surrenders and switches would, in our opinion, be detrimental toDuring periods of extreme volatility of markets during which During periods of extreme volatility of markets during which

practicable without being detrimental to the interests of the practicable without being detrimental to the interests of the unit fund are not reasonable or would not reasonably be

umstances out of our control, the disposal of the assets of the unit fund are not reasonable or would not reasonably be

or any umstances out of our control, the disposal of the assets of the

or any

valuation for a substantial portion of the assets of the fund areWhen one or more stocks exchanges which provide a basis for valuation for a substantial portion of the assets of the fund areWhen one or more stocks exchanges which provide a basis for

umstances we may defer valuation of assets until normalityumstances, where the value of the assets may be too uncertain. Inumstances, where the value of the assets may be too uncertain. In

basis. The unit price will also be displayed in the web portal of the companybasis. The unit price will also be displayed in the web portal of the companyshall be made available to the public in the print media on a daily The unit price for each segregated fund provided under this product shall be made available to the public in the print media on a daily


The unit price for each segregated fund provided under this product

switch etc) after 3.00 p.m. by the insurenext business day shall be applicable

In respect of valid applications received (e.g. surrendeswitch etc) after 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeIn respect of valid applications received (e.g. surrende

switch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeswitch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrendeswitch etc) up to 3.00 p.m. by the insureIn respect of valid applications received (e.g. surrende


civil unrest, riots and civil unrest, riots andthe interests of the existing unit holders of the fundsurrenders and switches would, in our opinion, be detrimental tothe interests of the existing unit holders of the fund

Year of Partial Withdrawal Partial Withdrawal charge as percentage of basic policy fund value

5 3%

6 and over Nil

The maximum amounts of partial withdrawals that can be taken during any policy years are stated below:

Policy year Maximum amount of partial withdrawal as % of the total fund

4 and 5 10%

6 to 9 15%

10 to 14 20%

15 years and above 25%

During the last 5 years before the date of maturity but, after 3 years from the date of commencement, a maximum of 95% of the fund value under the basic plan can be withdrawn.

The partial withdrawals will not affect the risk cover under the policy

The surrender value or partial withdrawal value will be acquired immediately on payment of top up. However, it will be payable on completion of three years from the date of payment of Top Up (this condition will not apply if the top up premiums are paid during the last three years of the contract). The surrender charge is not applicable on top-up premium units. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the base policy after 3 years the surrender value of top-ups is paid immediately.

Partial Withdrawal are available after a period of three years from the date of commencement of the policy until the fund value reaches an amount equivalent to one full year’s premium plus surrender charges.

The surrender charge or partial withdrawal charge is not applicable on top-ups.

b) Pay top-ups:If you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your Policy. Top-ups are allowed only if all basic premiums due till date are paid. The minimum top-up premium amount is Rs. 2,500.

c) Switching Option You will have the flexibility to alter the allocation of your investments among the funds/plans offered in order to suit your changing investment needs by easily switching between the funds/plans. At any time during the policy term, the policyholder may instruct the Company, in writing, to switch some or all of the units from one unit linked fund to another. You can switch between the Tailor-made plan option and Readymade plan option and in between funds available under Tailor-made plan option. The company will give effect to this switch by cancelling units in the old fund and allocating units in the new fund. In respect of switching requisition received up to 3.00 p.m. by the company, the closing unit price of the day shall be applicable. In respect of switching requisition received after 3.00 p.m. by the company, the closing unit price of the next business day shall be applicable. The policyholder is entitled to fifty two free switches each policy year. Unused free switches cannot be carried forward to a following year

d) Premium RedirectionYou may instruct us in writing to redirect all the future investment premiums under a policy in an alternative proportion to the various unit funds available. Redirection will not affect the allocation of premium(s) paid prior to the request.

e) Premium paying optionsYou can pay the regular premium in yearly, half yearly, quarterly and monthly mode and pay by cash, cheque, debit/credit card, ECS & direct debit.

The premium for rider benefits will be paid along with the base premium.

If age at entry of the Principle Insured is upto age 50 last birthday :Rs.10,000 for yearly mode, Rs.5,000 for half-yearly mode, Rs. 2,500 for quarterly mode and Rs.1,000 for monthly mode.

If age at entry of the Principle Insured is above age 50 last birthday :Rs.12,000 for yearly mode, Rs.6,000 for half-yearly mode, Rs. 3,000 for quarterly mode and Rs.1,500 for monthly mode.

premiums under a policy in an alternative proportion to the various YPremium RedirectioYou may instruct us in writing to redirect all the future investmentYou may instruct us in writing to redirect all the future investmentYPremium Redirectio

following yearpolicy yearfollowing year

applicable. The policyholder is entitled to fifty two free switches eachpolicy year

companyapplicable. The policyholder is entitled to fifty two free switches eachcompany, the closing unit price of the next business day shall becompany, the closing unit price of the next business day shall becompanyIn respect of switching requisition received after 3.00 p.m. by the

, the closing unit price of the next business day shall be

by the companyIn respect of switching requisition received after 3.00 p.m. by the

new fund. In respect of switching requisition received up to 3.00 p.m.by the company

switch by cancelling units in the old fund and allocating units in the new fund. In respect of switching requisition received up to 3.00 p.m.

ailor-made plan option. The company will give effect to thisswitch by cancelling units in the old fund and allocating units in the

option and Readymade plan option and in between funds availableailor-made plan option. The company will give effect to this


linked fund to anotheoption and Readymade plan option and in between funds available

, in writing, to switch some or all of the units from one unit linked fund to another.

time during the policy term, the policyholder may instruct the , in writing, to switch some or all of the units from one unit

time during the policy term, the policyholder may instruct the investment needs by easily switching between the funds/plans. At any time during the policy term, the policyholder may instruct the

among the funds/plans offered in order to suit your changinginvestment needs by easily switching between the funds/plans. At any

ou will have the flexibility to alter the allocation of your investmentsamong the funds/plans offered in order to suit your changingou will have the flexibility to alter the allocation of your investments

among the funds/plans offered in order to suit your changingou will have the flexibility to alter the allocation of your investments

The minimum top-up premium amount is Rs. 2,500.The minimum top-up premium amount is Rs. 2,500.p-ups are allowed only if all basic premiums due till date are paid.

The minimum top-up premium amount is Rs. 2,500.p-ups are allowed only if all basic premiums due till date are paid.

The minimum top-up premium amount is Rs. 2,500.

that as a top-up to increase the investments component in your Policyp-ups are allowed only if all basic premiums due till date are paid.

If you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your PolicyIf you have received a bonus or some lump sum money you can use

he surrender charge or partial withdrawal charge is not applicable on top-upshe surrender charge or partial withdrawal charge is not applicable on top-ups

premium plus surrender charges.of commencement of the policy until the fund value reaches an amount

premium plus surrender charges.

thdrawal are available after a period of three years from the dateof commencement of the policy until the fund value reaches an amount

base policy after 3 years the surrender value of top-ups is paid immediatel

thdrawal are available after a period of three years from the date

base policy after 3 years the surrender value of top-ups is paid immediateltherefore equal to the fund value under the top ups. In case of surrender of the base policy after 3 years the surrender value of top-ups is paid immediateltherefore equal to the fund value under the top ups. In case of surrender of the charge is not applicable on top-up premium units. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the charge is not applicable on top-up premium units. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the

premiums are paid during the last three years of the contract). The surrender charge is not applicable on top-up premium units. The surrender value is

p Up (this condition will not apply if the top uppremiums are paid during the last three years of the contract). The surrender

, it will be payable on completion of three years p Up (this condition will not apply if the top up

The surrender value or partial withdrawal value will be acquired immediately, it will be payable on completion of three years

The surrender value or partial withdrawal value will be acquired immediately




the date of commencement, a maximum of 95% of the fund value under During the last 5 years before the date of maturity but, after 3 years fromthe date of commencement, a maximum of 95% of the fund value under During the last 5 years before the date of maturity but, after 3 years from

premiums under a policy in an alternative proportion to the various unit funds available. Redirection will not affect the allocation of

ou may instruct us in writing to redirect all the future investmentpremiums under a policy in an alternative proportion to the various ou may instruct us in writing to redirect all the future investment

Premium Redirectioou may instruct us in writing to redirect all the future investment

Premium Redirectio

policy yearfollowing yearpolicy year. Unused free switches cannot be carried forapplicable. The policyholder is entitled to fifty two free switches each

. Unused free switches cannot be carried for

, the closing unit price of the next business day shall beapplicable. The policyholder is entitled to fifty two free switches each

, the closing unit price of the next business day shall beIn respect of switching requisition received after 3.00 p.m. by the

, the closing unit price of the next business day shall be

by the company, the closing unit price of the day shall be applicable. by the company, the closing unit price of the day shall be applicable. by the companyIn respect of switching requisition received after 3.00 p.m. by the

new fund. In respect of switching requisition received up to 3.00 p.m.by the company, the closing unit price of the day shall be applicable. by the company, the closing unit price of the day shall be applicable. by the companynew fund. In respect of switching requisition received up to 3.00 p.m.switch by cancelling units in the old fund and allocating units in the new fund. In respect of switching requisition received up to 3.00 p.m.



option and Readymade plan option and in between funds availableYou can switch between the T

, in writing, to switch some or all of the units from one unit u can switch between the T

time during the policy term, the policyholder may instruct the , in writing, to switch some or all of the units from one unit

investment needs by easily switching between the funds/plans. At any time during the policy term, the policyholder may instruct the

among the funds/plans offered in order to suit your changinginvestment needs by easily switching between the funds/plans. At any among the funds/plans offered in order to suit your changinginvestment needs by easily switching between the funds/plans. At any

ou will have the flexibility to alter the allocation of your investmentsou will have the flexibility to alter the allocation of your investments

The minimum top-up premium amount is Rs. 2,500.The minimum top-up premium amount is Rs. 2,500.p-ups are allowed only if all basic premiums due till date are paid.

The minimum top-up premium amount is Rs. 2,500.


that as a top-up to increase the investments component in your PolicyIf you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your Policy

he surrender charge or partial withdrawal charge is not applicable on top-upshe surrender charge or partial withdrawal charge is not applicable on top-upshe surrender charge or partial withdrawal charge is not applicable on top-ups

premium plus surrender charges. premium plus surrender charges.of commencement of the policy until the fund value reaches an amount


thdrawal are available after a period of three years from the dateof commencement of the policy until the fund value reaches an amount


base policy after 3 years the surrender value of top-ups is paid immediatel


base policy after 3 years the surrender value of top-ups is paid immediateltherefore equal to the fund value under the top ups. In case of surrender of the base policy after 3 years the surrender value of top-ups is paid immediatel

charge is not applicable on top-up premium units. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the

premiums are paid during the last three years of the contract). The surrender charge is not applicable on top-up premium units. The surrender value is

p Up (this condition will not apply if the top uppremiums are paid during the last three years of the contract). The surrender

, it will be payable on completion of three years p Up (this condition will not apply if the top up, it will be payable on completion of three years p Up (this condition will not apply if the top up

The surrender value or partial withdrawal value will be acquired immediately, it will be payable on completion of three years




switch by cancelling units in the old fund and allocating units in the new fund. In respect of switching requisition received up to 3.00 p.m.



option and Readymade plan option and in between funds available

, in writing, to switch some or all of the units from one unit u can switch between the T

, in writing, to switch some or all of the units from one unit

investment needs by easily switching between the funds/plans. At any time during the policy term, the policyholder may instruct the investment needs by easily switching between the funds/plans. At any time during the policy term, the policyholder may instruct the

among the funds/plans offered in order to suit your changinginvestment needs by easily switching between the funds/plans. At any among the funds/plans offered in order to suit your changinginvestment needs by easily switching between the funds/plans. At any

ou will have the flexibility to alter the allocation of your investmentsamong the funds/plans offered in order to suit your changingou will have the flexibility to alter the allocation of your investments




that as a top-up to increase the investments component in your PolicyIf you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your PolicyIf you have received a bonus or some lump sum money you can use

he surrender charge or partial withdrawal charge is not applicable on top-upshe surrender charge or partial withdrawal charge is not applicable on top-ups

premium plus surrender charges.of commencement of the policy until the fund value reaches an amount


Frequency of rider premium should be the same as that of the base premium

The charges for Hospital Cash Benefit under the basic plan are given in Annexure 1.

f) Systematic Transfer Plan: Systematic Transfer Plan (STP) is available only for contributions to be invested in the Equity fund under Tailor-made plan option.STP is however not available under the Ready-made plan option.This facility will allow policy holder to invest the portion of premium or top – ups meant for Equity Fund, initially into Gilt fund and then systematically transfer (i.e automatically switch) every week (not less than 1/4 part of the amount initially invested) into Equity fund option. On the date of realization of the installment premium cheque, units will be allocated in the Gilt fund for the portion of premium meant for Equity Fund. On each of the next four Systematic Transfer dates one-fourth of the STP units will be transferred to the Equity fund automatically. The STP dates will be 7th, 14th, 21st & 28th of every month. The first time the policyholder effects STP on regular premiums or on top ups no charge will be levied. Subsequently, a fixed charge of Rs.100 will be levied each time the Systematic Transfer Plan Option is selected.However, the selection or deselection of STP can take place only on the policy anniversary. There are no charges for de-selection of STP. No further switches are allowed during STP period in respect of the fund amount under STP option. Once STP option is selected it can not be cancelled in respect of the amount already lying in the STP fund.

g) Exchange option: This option is available for existing policyholders after completion of three policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender, maturity etc.) either fully or partially to another plan wherein exchange option is available.. This option must be exercised at least 30 days before the date of the receipt of benefit under the policy. The terms and conditions as specified in the opted policy document would apply to the policy holder opting for the ‘Exchange Option’. The new plan will be offered on the life of the policyholder.If a policyholder is opting for transfers from other policies to Reliance Wealth+Health Plan under exchange option, the allocation charge in year of exchange will be reduced. The reduced initial allocation charge applicable in the year of exchange is 5% of Annualised premium and reduced renewal allocation charge is 2 % of Annualised premium.If the exchange option is used to pay top ups in the Reliance Wealth+Health Plan, the allocation charge in the year exchange will be 1% of the top up amount. Regular allocation charges would apply to the balance of the policy term.

h) Settlement Option:The policyholder has the option to take the maturity proceeds in periodic installments within a maximum of 5 years from the date of maturity. The policyholder has to give a notice to the insurer at least 30 days before the maturity date. The periodic installment could be in any form including lump sum or infrequent withdrawals as requested by the policyholder.

The policy will participate in the performance of units.

The Company will however continue to deduct administration charges by cancellation of units. The fund management charge will be priced in the unit value.

In the event of death of the Principal Insured during settlement period the fund value as on the date of intimation at the office will be paid to the nominee.

During the settlement period, no health insurance and no rider benefit will be available to Principal Insured, Insured Spouse and Insured Children.

During the settlement period,, the investments made in the unit funds are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and the factors influencing the capital market.

The investment risk during the settlement period will be borne by the policyholder.

If settlement option is selected, then on maturity of the policy, the total fund balance would be automatically moved into Fund C, the only fund option available During the settlement period.

in the unit valuein the unit valueby cancellation of units. The fund management charge will be pricedin the unit value

The Company will however continue to deduct administration charges by cancellation of units. The fund management charge will be pricedThe Company will however continue to deduct administration charges


by the policyholde


any form including lump sum or infrequent withdrawals as requestedby the policyholdeany form including lump sum or infrequent withdrawals as requested30 days before the maturity date. The periodic installment could be in any form including lump sum or infrequent withdrawals as requested

. The policyholder has to give a notice to the insurer at least 30 days before the maturity date. The periodic installment could be in

periodic installments within a maximum of 5 years from the date of. The policyholder has to give a notice to the insurer at least

The policyholder has the option to take the maturity proceeds inperiodic installments within a maximum of 5 years from the date of

Settlement Option:The policyholder has the option to take the maturity proceeds inSettlement Option:

Regular allocation charges would apply to the balance of the policy term.

Settlement Option:

Regular allocation charges would apply to the balance of the policy term.

alth+Health Plan, the allocation charge in the year exchange will be1% of the top up amount.


If the exchange option is used to pay top ups in the Reliance alth+Health Plan, the allocation charge in the year exchange will be

If the exchange option is used to pay top ups in the Reliance alth+Health Plan, the allocation charge in the year exchange will be

and reduced renewal allocation charge is 2 % of Annualised premium.If the exchange option is used to pay top ups in the Reliance

charge applicable in the year of exchange is 5% of Annualised premiumand reduced renewal allocation charge is 2 % of Annualised premium.charge applicable in the year of exchange is 5% of Annualised premiumand reduced renewal allocation charge is 2 % of Annualised premium.

alth+Health Plan under exchange option, the allocation chargein year of exchange will be reduced. The reduced initial allocation charge applicable in the year of exchange is 5% of Annualised premium

alth+Health Plan under exchange option, the allocation chargein year of exchange will be reduced. The reduced initial allocation

alth+Health Plan under exchange option, the allocation chargeIf a policyholder is opting for transfers from other policies to Reliance be offered on the life of the policyholderIf a policyholder is opting for transfers from other policies to Reliance

the policy holder opting for the ‘Exchange Option’. The new plan will be offered on the life of the policyholderthe policy holder opting for the ‘Exchange Option’. The new plan will be offered on the life of the policyholder

conditions as specified in the opted policy document would apply tothe policy holder opting for the ‘Exchange Option’. The new plan will

date of the receipt of benefit under the policyconditions as specified in the opted policy document would apply to

cised at least 30 days before the date of the receipt of benefit under the policy

either fully or partially to another plan wherein exchange option is cised at least 30 days before the

the policy holder can transfer policy benefits (surrendereither fully or partially to another plan wherein exchange option is

three policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender

This option is available for existing policyholders after completion ofthree policy years from the date of commencement. Under this option, This option is available for existing policyholders after completion ofthree policy years from the date of commencement. Under this option, This option is available for existing policyholders after completion ofThis option is available for existing policyholders after completion of

option. Once STP option is selected it can not be cancelled in respect option. Once STP option is selected it can not be cancelled in respect allowed during STP period in respect of the fund amount under STP

. No further switches are. No further switches are

the selection or deselection of STP can take place only on the the selection or deselection of STP can take place only on the ansfer Plan Option is selected

the selection or deselection of STP can take place only on the

, a fixed charge of Rs.100ansfer Plan Option is selected

, a fixed charge of Rs.100The first time the policyholder effects STP on regular premiums or on

y month.The first time the policyholder effects STP on regular premiums or on

dates one-fourth of the STP units will be transferred to the Equity fundy month.

In the event of death of the Principal Insured during settlement period the fund value as on the date of intimation at the office will be paid to

in the unit value

In the event of death of the Principal Insured during settlement period

by cancellation of units. The fund management charge will be pricedin the unit valueby cancellation of units. The fund management charge will be pricedThe Company will however continue to deduct administration charges by cancellation of units. The fund management charge will be priced


The Company will however continue to deduct administration charges


by the policyholdeany form including lump sum or infrequent withdrawals as requestedby the policyholdeany form including lump sum or infrequent withdrawals as requested30 days before the maturity date. The periodic installment could be in any form including lump sum or infrequent withdrawals as requested

. The policyholder has to give a notice to the insurer at least 30 days before the maturity date. The periodic installment could be in

periodic installments within a maximum of 5 years from the date of. The policyholder has to give a notice to the insurer at least

periodic installments within a maximum of 5 years from the date ofThe policyholder has the option to take the maturity proceeds inperiodic installments within a maximum of 5 years from the date ofThe policyholder has the option to take the maturity proceeds in

Regular allocation charges would apply to the balance of the policy term.Regular allocation charges would apply to the balance of the policy term.1% of the top up amount. Regular allocation charges would apply to the balance of the policy term.


alth+Health Plan, the allocation charge in the year exchange will beIf the exchange option is used to pay top ups in the Reliance

alth+Health Plan, the allocation charge in the year exchange will be

and reduced renewal allocation charge is 2 % of Annualised premium.If the exchange option is used to pay top ups in the Reliance and reduced renewal allocation charge is 2 % of Annualised premium.charge applicable in the year of exchange is 5% of Annualised premiumin year of exchange will be reduced. The reduced initial allocation charge applicable in the year of exchange is 5% of Annualised premium


alth+Health Plan under exchange option, the allocation chargeIf a policyholder is opting for transfers from other policies to Reliance

alth+Health Plan under exchange option, the allocation chargeIf a policyholder is opting for transfers from other policies to Reliance be offered on the life of the policyholderIf a policyholder is opting for transfers from other policies to Reliance

the policy holder opting for the ‘Exchange Option’. The new plan will be offered on the life of the policyholder

conditions as specified in the opted policy document would apply tothe policy holder opting for the ‘Exchange Option’. The new plan will

date of the receipt of benefit under the policyconditions as specified in the opted policy document would apply todate of the receipt of benefit under the policy. The terms and conditions as specified in the opted policy document would apply to

cised at least 30 days before the . The terms and



either fully or partially to another plan wherein exchange option is the policy holder can transfer policy benefits (surrendereither fully or partially to another plan wherein exchange option is

three policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender

This option is available for existing policyholders after completion ofthree policy years from the date of commencement. Under this option, This option is available for existing policyholders after completion of

option. Once STP option is selected it can not be cancelled in respect allowed during STP period in respect of the fund amount under STP option. Once STP option is selected it can not be cancelled in respect

. No further switches areallowed during STP period in respect of the fund amount under STP

. No further switches are

the selection or deselection of STP can take place only on the ansfer Plan Option is selected

the selection or deselection of STP can take place only on the ansfer Plan Option is selected

, a fixed charge of Rs.100

The policyholder has the option to take the maturity proceeds inperiodic installments within a maximum of 5 years from the date ofThe policyholder has the option to take the maturity proceeds in

Regular allocation charges would apply to the balance of the policy term.Regular allocation charges would apply to the balance of the policy term.

alth+Health Plan, the allocation charge in the year exchange will beIf the exchange option is used to pay top ups in the Reliance

alth+Health Plan, the allocation charge in the year exchange will beIf the exchange option is used to pay top ups in the Reliance and reduced renewal allocation charge is 2 % of Annualised premium.If the exchange option is used to pay top ups in the Reliance and reduced renewal allocation charge is 2 % of Annualised premium.charge applicable in the year of exchange is 5% of Annualised premiumand reduced renewal allocation charge is 2 % of Annualised premium.

in year of exchange will be reduced. The reduced initial allocation charge applicable in the year of exchange is 5% of Annualised premium


If a policyholder is opting for transfers from other policies to Reliance alth+Health Plan under exchange option, the allocation charge

If a policyholder is opting for transfers from other policies to Reliance alth+Health Plan under exchange option, the allocation charge

If a policyholder is opting for transfers from other policies to Reliance

the policy holder opting for the ‘Exchange Option’. The new plan will conditions as specified in the opted policy document would apply tothe policy holder opting for the ‘Exchange Option’. The new plan will conditions as specified in the opted policy document would apply to

. The terms and cised at least 30 days before the

. The terms and


either fully or partially to another plan wherein exchange option is the policy holder can transfer policy benefits (surrendereither fully or partially to another plan wherein exchange option is

For those policy holders opting for the settlement option Fund C would apply by default during the settlement period, irrespective of the age of the policy holder.

For selecting the settlement option, the policyholder should inform to the Company one month before the date of maturity.

i) Option to change mode of premium paymentThe mode of premium payment can be changed on the policy anniversary.

Reliance Wealth+Health Plan at a glance:

Basic Plan Minimum Maximum

Age at Entry of the Child 3 month(Completed) 19 years last birthday

Age at Entry of the Principal Insured / Spouse 18 years last birthday 55 years last birthday

Age at Maturity of the - 20 years last birthdayChild

Age at Maturity/Benefit - 65 years last birthdayceasing age of the Principal Insured / Spouse

Policy Term (in multiples 10 years 25 yearsof 5 years)

Optional Riders on the life/lives of Insured person(s)


Reliance Major Surgical Benefit Rider

Age at Entry (For all lives) 18 years last birthday 55 years last birthday

Age at Maturity _ 65 years last birthday(For all lives)

Policy Term 5 years 25 years

Sum Assured of Principal Rs.10,000 180 times of the dailyInsured, Insured Spouse hospital cash benefit and Insured Children in a ward other than

ICU. However, the sum assured under Major Surgical Benefit rider for a life assured across all policies with the Reliance Life should not exceed Rs.5 lakhs.

Lifetime Benefit(Benefit _ 3 times the Sum for the entire policy Assured for Principal term) for Principal Insured, Insured Insured, Insured Spouse and Insured Spouse and Insured Children subject to a Children maximum of Rs.1500000.

Reliance Term Life with Accident Benefit Rider

Age at Entry 18 years last birthday 55 years last birthday

Age at Maturity 26years last birthday 64 years last birthday


Sum Assured 25,000 180 times of the daily hospital cash benefit in a ward other than ICU.However, the sum assured under Accidental Riders (including sum assured under Term Life with Accident Benefit Rider) across all policies held by the life assured with the Reliance Life should not exceed Rs.50 lakhs.

Reliance Term Life Insurance Benefit Rider


Sum AssureSum Assure

Policy Policy

Age at MaturitAge at Maturit

Age at EntAge at Entry

Term Life with Accident Benefit Rider rm Life with Accident Benefit Rider

Spouse and Insured Spouse and Insured Insured, Insured Spouse and Insured

term) for Principal for the entire policy Lifetime Benefit(Benefit for the entire policy Lifetime Benefit(Benefit

0 10 10 1

_ 6_ 6

18 years last birthday

m Mm M

Optional Riders on the life/lives of Insured person(s) Optional Riders on the life/lives of Insured person(s) Optional Riders on the life/lives of Insured person(s)

s

65 years last birthday65 years last birthday65 years last birthday

20 years last birthday20 years last birthday



Sum AssureSum Assure

TermTerm

Age at Maturit

ry

rm Life with Accident Benefit Rider rm Life with Accident Benefit Rider rm Life with Accident Benefit Rider

Spouse and Insured

0 10 1

_ 6_ 6_ 6_ 6_ 6


m Mm M

Optional Riders on the life/lives of Insured person(s) Optional Riders on the life/lives of Insured person(s)

65 years last birthday65 years last birthday65 years last birthday

0 10 1

25 year25 year



m M

m M

Optional Riders on the life/lives of Insured person(s)


Reliance Term Life Insurance Benefit Rider

Age at Maturity 26 years last birthday 64 years last birthday


Sum Assured Rs. 25000 180 times of the daily hospital cash benefit in a ward other than ICU.

Reliance Critical Conditions (25) Rider


Age at Maturity 26years last birthday 64 years last birthday


Sum Assured 10,000 180 times of the daily hospital cash benefit in a ward other than ICU.

However, the sum assured under Critical Conditions rider (including sum assured under Critical Conditions (25) rider) across all policies held by the life assured with the Reliance Life should not exceed Rs.20 lakhs.

Note: The rider terminates with the base plan. The rider term should be less than or equal to the policy term (if opted during the policy term then it should be less than or equal to the remaining policy term)Please refer to sales literatures for rider benefits for further details on riders.

Nomination:As per sec 39 of the insurance act 1938.1. The person named by you in the proposal form as the nominee/s, shall

be the person to whom the death benefits under the policy will be paid. Such nomination only indicates the person, who is authorized to receive the amount on the payment of which, we will receive a valid discharge of our liability under the policy. Change in nomination, if any, may be made by you at any time during the term of the policy and the same must be registered with us.

2. The nominee’s right arises only in the event of the death of the Principal Insured. Where the nominee is a minor, life assured shall also appoint a person to receive the money during the minority of the nominee

Assignment: No assignment is allowed under this plan.

Policy Loan: Loans will not be available under this plan.

What if I want to discontinue the Policy?

You may surrender your policy at any time after three years from commencement.

Surrender Value will be acquired immediately on the payment of the first premium. However, the surrender value will be payable after the completion of three policy anniversaries. Whenever full surrender value of basic plan is paid, the surrender value of any attaching top ups will also be paid.

The surrender Value under the basic plan will be the Fund value less surrender charge as given below.

Year of surrender Surrender charge as percentage of basic policy fund value

1 to 3 Surrender Value not payable

6 and over Nil

In case of Top-ups, the surrender value will be acquired immediately on payment of top up. However, it will be payable on completion of three years from the date of payment of Top Up. The surrender charge is not applicable on top-up premium units. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the base policy after 3 years the surrender value of top-ups is paid immediately.

4

5

5%

3%

surrender charge as given belowThe surrender surrender charge as given below

paid, the surrender value of any attaching top ups will also be paid.

The surrender

paid, the surrender value of any attaching top ups will also be paid.of three policy anniversaries. Whenever full surrender value of basic plan is paid, the surrender value of any attaching top ups will also be paid.

premium. Howeveof three policy anniversaries. Whenever full surrender value of basic plan is premium. Howeveof three policy anniversaries. Whenever full surrender value of basic plan is

Surrender Vpremium. Howeve

u may surrender your policy at any time after three years from commencement.

Surrender Value will be acquired immediately on the payment of the first





Loans will not be available under this plan.

No assignment is allowed under this plan.



appoint a person to receive the money during the minority of the nomineePrincipal Insured. Where the nominee is a minorappoint a person to receive the money during the minority of the nominee

s right arises only in the event of the death of the Principal Insured. Where the nominee is a minor


and the same must be registered with us., may be made by you at any time during the term of the policy


and the same must be registered with us.

discharge of our liability under the policy, may be made by you at any time during the term of the policy

receive the amount on the payment of which, we will receive a validdischarge of our liability under the policy

paid. Such nomination only indicates the person, who is authorized toreceive the amount on the payment of which, we will receive a validpaid. Such nomination only indicates the person, who is authorized toreceive the amount on the payment of which, we will receive a valid

be the person to whom the death benefits under the policy will bepaid. Such nomination only indicates the person, who is authorized to

The person named by you in the proposal form as the nominee/s, shallbe the person to whom the death benefits under the policy will beThe person named by you in the proposal form as the nominee/s, shall

As per sec 39 of the insurance act 1938The person named by you in the proposal form as the nominee/s, shall

As per sec 39 of the insurance act 1938

Please refer to sales literatures for rider benefits for further details on riders.Please refer to sales literatures for rider benefits for further details on riders.

during the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedduring the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if opted

not exceed Rs.20 lakhs.not exceed Rs.20 lakhs.the Reliance Life shouldnot exceed Rs.20 lakhs.

by the life assured withthe Reliance Life shouldby the life assured withacross all policies heldby the life assured with

Conditions (25) rider) across all policies held

assured under Critical Conditions (25) rider)

rider (including sumassured under Critical rider (including sumunder Critical Conditionsrider (including sum

the sum assured under Critical Conditions

the sum assured

a ward other than ICU.hospital cash benefit in a ward other than ICU.

80 times of the daily hospital cash benefit in

80 times of the daily

The surrender surrender charge as given belowThe surrender

paid, the surrender value of any attaching top ups will also be paid.of three policy anniversaries. Whenever full surrender value of basic plan is paid, the surrender value of any attaching top ups will also be paid.

premium. Howeveof three policy anniversaries. Whenever full surrender value of basic plan is

alue will be acquired immediately on the payment of the firstpremium. Howeve

alue will be acquired immediately on the payment of the first




What if I want to discontinue the Policy?What if I want to discontinue the Policy?





appoint a person to receive the money during the minority of the nominee


Principal Insured. Where the nominee is a minorappoint a person to receive the money during the minority of the nomineePrincipal Insured. Where the nominee is a minorappoint a person to receive the money during the minority of the nominee


s right arises only in the event of the death of the




receive the amount on the payment of which, we will receive a validdischarge of our liability under the policyreceive the amount on the payment of which, we will receive a validdischarge of our liability under the policy

paid. Such nomination only indicates the person, who is authorized toreceive the amount on the payment of which, we will receive a valid

be the person to whom the death benefits under the policy will bepaid. Such nomination only indicates the person, who is authorized to

The person named by you in the proposal form as the nominee/s, shallbe the person to whom the death benefits under the policy will beThe person named by you in the proposal form as the nominee/s, shallThe person named by you in the proposal form as the nominee/s, shall


during the policy term then it should be less than or equal to the during the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedduring the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedduring the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedThe rider term should be less than or equal to the policy term (if opted

not exceed Rs.20 lakhs.not exceed Rs.20 lakhs.the Reliance Life shouldby the life assured withthe Reliance Life should

across all policies heldby the life assured with

Conditions (25) rider) across all policies heldConditions (25) rider) across all policies held

assured under Critical Conditions (25) rider)

rider (including sumassured under Critical

under Critical Conditionsrider (including sumunder Critical Conditions

the sum assured

a ward other than ICU.

the sum assured

hospital cash benefit in a ward other than ICU.a ward other than ICU.hospital cash benefit in hospital cash benefit in

appoint a person to receive the money during the minority of the nominee


appoint a person to receive the money during the minority of the nomineePrincipal Insured. Where the nominee is a minor


s right arises only in the event of the death of the





receive the amount on the payment of which, we will receive a validdischarge of our liability under the policyreceive the amount on the payment of which, we will receive a validdischarge of our liability under the policy

paid. Such nomination only indicates the person, who is authorized toreceive the amount on the payment of which, we will receive a valid

be the person to whom the death benefits under the policy will bepaid. Such nomination only indicates the person, who is authorized tobe the person to whom the death benefits under the policy will beThe person named by you in the proposal form as the nominee/s, shallThe person named by you in the proposal form as the nominee/s, shall


during the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedduring the policy term then it should be less than or equal to the The rider term should be less than or equal to the policy term (if optedThe rider term should be less than or equal to the policy term (if opted

Charges under the plan1. Allocation charges:

These are deducted from the savings premiums as they are paid and are as follows:

Year Allocation charge as a % of Annualised Premium

1 25%

2 year onwards 5%

The allocation charge on the Top Ups will be @ 2% of the Top Up amount. The allocation charge under top up under the exchange option will be 1% of the top up amount.For employees of Reliance Life Insurance Company Limited (including employees of any other Company of the Anil Dhirubhai Ambani Group), reduced allocation rates will apply as detailed below:

Regular premiums 5%

Top ups 1%

Second and subsequent years 2%

2. Hospitalization charges:This charge will apply for all Lives from inception. The insurance charges will vary depending ona) The amount of health related coverb) The attained age of life assuredsc) The occupation of the life assuredd) The health of the life assureds

These hospitalisation charges will be deducted on a monthly basis on the beginning of first day of each policy month using 1/12th of the Hospital Cash Benefit rates.

3. Policy administration charge:A monthly administration charge of Rs.40 will be deducted by cancelling units in advance at the beginning of the month.

4. Switching charge: There are 52 free switches during any policy year. Subsequent switches

if any will have a fixed charge of Rs. 100 per switch.

5. Fund management charge:

Fund Name Annual Rate

Money Market Fund 1.25% p.a.

Gilt Fund 1.25% p.a.

Corporate Bond Fund 1.25% p.a.

Equity Fund 1.50% p.a.

Pure Equity Fund 1.50% p.a.

Infrastructure fund 1.50% p.a.

Midcap Fund 1.50% p.a.

Energy Fund 1.50% p.a.

Fund A 1.45% p.a.

Fund B 1.38% p.a.

Fund C 1.30 p.a.

6. Service Tax ChargeThis charge (along with education cess) will be levied on the morbidity charges. The level of this charge will be as per the rate of Service Tax on risk premium, declared by the Government from time to time. The current rate of service tax (including education cess) on risk premium is 12.36%.

7. Surrender & Partial Withdrawal Charges from Basic PlanThe surrender charges as percentage of fund value under the basic plan are given below:

Year of surrender Surrender Charge as percentage of fund value to be surrendered

1 to 3 Surrender Value not available

4t %

5t %

6th onwards Nil

6.6. SeSe

Fund C

Fund

Fund C

Fund

Fund AFund A

Energy FundEnergy Fund

idcap Funidcap Fund 1

Infrastructure fun

Pure Equity FundPure Equity Fund

Corporate Bond Fund

d 1d 1

Annual RateAnnual Rate

if any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy yearif any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy yearThere are 52 free switches during any policy year

cancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted bycancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted by

beginning of first day of each policy month using 1/12th of the Hospital These hospitalisation charges will be deducted on a monthly basis on the beginning of first day of each policy month using 1/12th of the Hospital These hospitalisation charges will be deducted on a monthly basis on the beginning of first day of each policy month using 1/12th of the Hospital These hospitalisation charges will be deducted on a monthly basis on the These hospitalisation charges will be deducted on a monthly basis on the

SeThis charge (along with education cess) will be levied on the morbidityService

Fund C

B 1B 1

Energy FundEnergy FundEnergy Fund

d 1d 1

Infrastructure fund 1Infrastructure fund 1

1.25% p.a.

1.25% p.a.1.25% p.a.

25% p.a.25% p.a.


if any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy yearif any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy year

cancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted bycancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted byA monthly administration charge of Rs.40 will be deducted by

beginning of first day of each policy month using 1/12th of the Hospital These hospitalisation charges will be deducted on a monthly basis on the beginning of first day of each policy month using 1/12th of the Hospital These hospitalisation charges will be deducted on a monthly basis on the

d 1d 1

1.50% p.a.1.50% p.a.

1.50% p.a.

1.25% p.a.1.25% p.a.

1.25% p.a.1.25% p.a.

25% p.a.25% p.a.


if any will have a fixed charge of Rs. 100 per switchif any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy yearif any will have a fixed charge of Rs. 100 per switchThere are 52 free switches during any policy yearThere are 52 free switches during any policy year

cancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted bycancelling units in advance at the beginning of the month.A monthly administration charge of Rs.40 will be deducted byA monthly administration charge of Rs.40 will be deducted by

s 1

3 S

There will be no partial withdrawal charge if the withdrawal is made to fund medical expenses. Otherwise there will be a charge as given below:

Year of Partial Partial Withdrawal charge as Withdrawal percentage of basic policy fund value

1 to 3 Partial Withdrawal not payable

%

%

6 and over Nil

The maximum amounts of partial withdrawals that can be taken during any policy years are stated below:

Policy year Maximum amount of partialwithdrawal as % of the total fund

0%

6 to 5%

10 to 14 20%

15 years and abov 5%

During the last 5 years before the date of maturity but, after 3 years from the date of commencement, a maximum of 95% of the fund value under the basic plan can be withdrawn. The partial withdrawals will not affect the risk cover under the policyPartial withdrawals are available only after a period of three years from the date of commencement of the policy. Partial Withdrawal are available after a period of three years from the date of commencement of the policy until the fund value reaches an amount equivalent to one full year’s premium plus surrender charges. Note: The surrender charge or partial withdrawal charge is not applicable on top-up.

8. Service Tax & other applicable charges under the policy: The charge (along with education cess) for the benefit on hospitalisation is mentioned in the Annexure 1. Service tax charge will be levied on the hospitalisation charges. The level of service tax charge will be as per the rate of Service Tax on risk premium, declared by the Government from time to time. The current rate of service tax (including education cess) on risk premium is 10.30%.

9. Premium for rider benefits:The premium for rider benefits if selected, will be collected over and above the premium under base plan.

10. Miscellaneous Charge (Charge for Systematic Transfer Plan (STP) Option):There is no charge, the first time the Systematic Transfer Plan Option is effected for Premium Payment Mode as well as Top ups. Subsequently, a fixed miscellaneous charge of Rs.100 will be levied every time the Systematic Transfer Plan is option is selected. There are no charges for cancellations for Systematic Transfer Plan.

Recovery of Charges

1. Hospitalization Charges: The Hospitalisation charges will be recovered by cancellation of units at the prevailing unit price.

2. Allocation charges: The allocation charges are deducted as percentage of premium (regular premium or top-up as the case may be) before allocation of units each time a premium is received.

3. Fund Management charges: The Fund Management charges will be priced in the unit price of each Fund on a daily basis.

4. Premium for rider benefits: The premium for rider benefits if selected, will be collected over and above the premium under base plan.

5. Service Tax Charge: The service tax charge will be collected along with the hospitalisation charge by canceling the units at prevailing unit price.All the other charges (i.e. miscellaneous charge and switching charge) will be recovered by cancellation of units at the prevailing unit price. In the event that units are held in more than one Fund, the cancellation of units will be effected in the same proportion as the value of units held in each Fund. In case the fund value in any fund goes down to the extent that it is not sufficient to support the proportionate monthly charges, then the same shall be deducted from the fund value of the other funds.

of premium (regular premium or top-up as the case may be) before2. Allocation charges:

of premium (regular premium or top-up as the case may be) before

recovered by cancellation of units at the prevailing unit price.2. Allocation charges:

Hospitalization Charges:recovered by cancellation of units at the prevailing unit price.Hospitalization Charges:Hospitalization Charges:

ry of of Charg of Charg of

cancellations for Systematic TSystematic Tcancellations for Systematic TSystematic Transfer Plan is option is selected. There are no charges for Systematic Transfer Plan is option is selected. There are no charges for Systematic Tcancellations for Systematic T

a fixed miscellaneous charge of Rs.100 will be levied everransfer Plan is option is selected. There are no charges for

effected for Premium Payment Mode as well as a fixed miscellaneous charge of Rs.100 will be levied ever

There is no charge, the first time the Systematic effected for Premium Payment Mode as well as

iscellaneous Charge (Charge for Systematic There is no charge, the first time the Systematic


above the premium under base plan.The premium for rider benefits if selected, will be collected over and above the premium under base plan.The premium for rider benefits if selected, will be collected over and above the premium under base plan.

Premium for rider benefitsThe premium for rider benefits if selected, will be collected over and Premium for rider benefits(including education cess) on risk premium is 10.30%. by the Government from time to time. The current rate of se(including education cess) on risk premium is 10.30%.

charge will be as per the rate of Seby the Government from time to time. The current rate of se

will be levied on the hospitalisation charges. The level of sercharge will be as per the rate of Sewill be levied on the hospitalisation charges. The level of serhospitalisation is mentioned in the Annexure 1. Sewill be levied on the hospitalisation charges. The level of serhospitalisation is mentioned in the Annexure 1. SeThe charge (along with education cess) for the benefit on

x & other applicable charges under the policy:The charge (along with education cess) for the benefit on

x & other applicable charges under the policy:

The surrender charge or partial withdrawal charge is not The surrender charge or partial withdrawal charge is not premium plus surrender charges.

The surrender charge or partial withdrawal charge is not

date of commencement of the policy until the fund value reaches premium plus surrender charges.

thdrawal are available after a period of three years from the date of commencement of the policy until the fund value reaches

thdrawal are available after a period of three years from the

Partial withdrawals are available only after a period of three years from Partial withdrawals are available only after a period of three years from Partial withdrawals are available only after a period of three years from The partial withdrawals will not affect the risk cover under the policPartial withdrawals are available only after a period of three years from The partial withdrawals will not affect the risk cover under the policThe partial withdrawals will not affect the risk cover under the polic

During the last 5 years before the date of maturity but, after 3 years from the date of commencement, a maximum of 95% of the fundDuring the last 5 years before the date of maturity but, after 3 years During the last 5 years before the date of maturity but, after 3 years

allocation of units each time a premium is receivedFund Management charges:

of premium (regular premium or top-up as the case may be) beforeallocation of units each time a premium is received

2. Allocation charges: of premium (regular premium or top-up as the case may be) before

2. Allocation charges: recovered by cancellation of units at the prevailing unit price.

2. Allocation charges:

Hospitalization Charges:recovered by cancellation of units at the prevailing unit price.Hospitalization Charges:

Charg Charg Charg

cancellations for Systematic Transfer Plan is option is selected. There are no charges for

cancellations for Systematic T

a fixed miscellaneous charge of Rs.100 will be levied everransfer Plan is option is selected. There are no charges for

a fixed miscellaneous charge of Rs.100 will be levied ever

There is no charge, the first time the Systematic effected for Premium Payment Mode as well as There is no charge, the first time the Systematic effected for Premium Payment Mode as well as


iscellaneous Charge (Charge for Systematic

above the premium under base plan.The premium for rider benefits if selected, will be collected over and above the premium under base plan.The premium for rider benefits if selected, will be collected over and

:(including education cess) on risk premium is 10.30%. by the Government from time to time. The current rate of se(including education cess) on risk premium is 10.30%.

charge will be as per the rate of Seby the Government from time to time. The current rate of se

rvice Tby the Government from time to time. The current rate of se

will be levied on the hospitalisation charges. The level of serice T

will be levied on the hospitalisation charges. The level of serhospitalisation is mentioned in the Annexure 1. Sewill be levied on the hospitalisation charges. The level of ser

The charge (along with education cess) for the benefit on hospitalisation is mentioned in the Annexure 1. SeThe charge (along with education cess) for the benefit on



The surrender charge or partial withdrawal charge is not premium plus surrender charges.


thdrawal are available after a period of three years from the date of commencement of the policy until the fund value reaches

thdrawal are available after a period of three years from the thdrawal are available after a period of three years from the

Partial withdrawals are available only after a period of three years from Partial withdrawals are available only after a period of three years from The partial withdrawals will not affect the risk cover under the policPartial withdrawals are available only after a period of three years from The partial withdrawals will not affect the risk cover under the polic

from the date of commencement, a maximum of 95% of the fundDuring the last 5 years before the date of maturity but, after 3 years from the date of commencement, a maximum of 95% of the fundDuring the last 5 years before the date of maturity but, after 3 years

effected for Premium Payment Mode as well as a fixed miscellaneous charge of Rs.100 will be levied evereffected for Premium Payment Mode as well as There is no charge, the first time the Systematic effected for Premium Payment Mode as well as


iscellaneous Charge (Charge for Systematic

above the premium under base plan.The premium for rider benefits if selected, will be collected over and above the premium under base plan.The premium for rider benefits if selected, will be collected over and

(including education cess) on risk premium is 10.30%. by the Government from time to time. The current rate of se(including education cess) on risk premium is 10.30%. by the Government from time to time. The current rate of se

ice Tax on risk premium, declared ice Tax on risk premium, declared ice Tby the Government from time to time. The current rate of se

will be levied on the hospitalisation charges. The level of serice Tax on risk premium, declared ice Tax on risk premium, declared ice T

hospitalisation is mentioned in the Annexure 1. Sewill be levied on the hospitalisation charges. The level of serhospitalisation is mentioned in the Annexure 1. SeThe charge (along with education cess) for the benefit on

x & other applicable charges under the policy:The charge (along with education cess) for the benefit on




date of commencement of the policy until the fund value reaches

7. Revision in Rate of ChargesThe revision in charges if any ( except the service tax charge) will take place only after giving three months notice to the policyholders and after obtaining specific approval of the IRDA. The service tax charge will be revised as and when notified by the Government.

If the policyholder does not agree with the modified charges, he/she shall be allowed to withdraw the units in the plans at the then prevailing unit value after paying surrender charge if any and terminate the Policy.

The Company reserves the right to change the Fund Management charge. However, the maximum FMC on any fund will be 2.50% p.a.

The policy administrative charge is subject to revision at any time, but will not exceed Rs. 75 per month.

The surrender and partial withdrawal charges, premium allocation charges) are guaranteed for the term of the policy.

The switching charge, for selecting STP option can be increased upto Rs.500 per transaction.

The hospitalisation charges for Hospital Cash Benefit and premium rates for Major Surgical Benefit rates are guaranteed for three years from the commencement of policy and are yearly reviewable thereafter.


Within 3 years of the inception of the policy: If premiums have not been paid for at least three consecutive years from the inception the health insurance benefits and rider benefits if any will cease immediately. However, the policyholder will continue to participate in the performance of unit funds. The monthly administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value.

Anytime during this period, should the policyholder die, the fund value will be paid

A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 years from the due date of first unpaid premium but before the maturity date of the policy subject to satisfactory medical and financial underwriting.

In the event the policy is not revived during revival period, the policy shall be terminated and the surrender value, if any, shall be paid at the end of the period allowed for revival.

After paying of at least 3 full years’ premiums: If premiums have been paid for at least three consecutive years and subsequent premiums are unpaid, the policy will remain in force with the health insurance benefits intact. The rider benefit if any will cease immediately. The policyholder will continue to participate in the performance of the unit funds chosen by him.

The hospitalisation and administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value.

The policyholder may revive the Policy by paying all due premiums in full at any time within a period of two years from the due date of first unpaid premium but before the maturity date of the policy.

At the end of the allowed period for revival, if the policy is not revived, the policy shall be terminated by paying the surrender value.

However, the policyholder may opt to continue the policy even beyond the revival period (but not beyond the maturity date of the policy). The hospitalisation and administration charges will be deducted from the Fund Value by cancelling the units. The policy will continue to participate in the performance of the unit funds chosen by the policyholder.

This option will be available until the fund value reaches an amount equivalent to one full year’s premium plus surrender charges, if any

Grace Period for payment of premiums

There is a grace period of 30 days from the due date for payment of regular premiums. In case of monthly mode, the grace period is of 15 days. A policy lapses if premiums are not paid within the days of grace.

At the end of the allowed period for revival, if the policy is not revived, the At the end of the allowed period for revival, if the policy is not revived, the

premium but before the maturity date of the polic

At the end of the allowed period for revival, if the policy is not revived, the

premium but before the maturity date of the policat any time within a period of two years from the due date of first unpaid premium but before the maturity date of the policat any time within a period of two years from the due date of first unpaid The policyholder may revive the Policy by paying all due premiums in full

priced in the unit value

The policyholder may revive the Policy by paying all due premiums in full

priced in the unit valuealue by cancellation of units. The fund management charge will be


The hospitalisation and administration charges will be deducted from the alue by cancellation of units. The fund management charge will be

The hospitalisation and administration charges will be deducted from the

performance of the unit funds chosen by him.. The policyholder will continue to participate in the

performance of the unit funds chosen by him.

health insurance benefits intact. The rider benefit if any will cease. The policyholder will continue to participate in the

subsequent premiums are unpaid, the policy will remain in fohealth insurance benefits intact. The rider benefit if any will cease

If premiums have been paid for at least three consecutive years andsubsequent premiums are unpaid, the policy will remain in fo

After paying of at least 3 full years’ premiums: If premiums have been paid for at least three consecutive years andAfter paying of at least 3 full years’ premiums: If premiums have been paid for at least three consecutive years and

the period allowed for revival.

After paying of at least 3 full years’ premiums:

be terminated and the surrender value, if anythe period allowed for revival.be terminated and the surrender value, if anyIn the event the policy is not revived during revival period, the policy shall be terminated and the surrender value, if anyIn the event the policy is not revived during revival period, the policy shall

date of the policy subject to satisfactor

In the event the policy is not revived during revival period, the policy shall

years from the due date of first unpaid premium but before the maturity date of the policy subject to satisfactoryears from the due date of first unpaid premium but before the maturity

A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 years from the due date of first unpaid premium but before the maturity

A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 A policyholder may revive a policy by paying the arrears of premiums and

Anytime during this period, should the policyholder die, the fund valueAnytime during this period, should the policyholder die, the fund value

management charge will be priced in the unit valuelue by cancellation of units. The fund

management charge will be priced in the unit value

in the performance of unit funds. The monthly administration charges will lue by cancellation of units. The fund

the policyholder will continue to participate in the performance of unit funds. The monthly administration charges will

the inception the health insurance benefits and rider benefits if any will the policyholder will continue to participate

If premiums have not been paid for at least three consecutive years fromthe inception the health insurance benefits and rider benefits if any will If premiums have not been paid for at least three consecutive years from

from the commencement of policy and are yearly reviewable thereafterrates for Major Surgical Benefit rates are guaranteed for three years from the commencement of policy and are yearly reviewable thereafter

The hospitalisation charges for Hospital Cash Benefit and premium rates for Major Surgical Benefit rates are guaranteed for three years The hospitalisation charges for Hospital Cash Benefit and premium

The switching charge, for selecting STP option can be increased upto The switching charge, for selecting STP option can be increased upto

The surrender and partial withdrawal charges, premium allocation The surrender and partial withdrawal charges, premium allocation

The policy administrative charge is subject to revision at any time, but

premium but before the maturity date of the polic

At the end of the allowed period for revival, if the policy is not revived, the

premium but before the maturity date of the policat any time within a period of two years from the due date of first unpaid premium but before the maturity date of the policat any time within a period of two years from the due date of first unpaid The policyholder may revive the Policy by paying all due premiums in full

priced in the unit valuealue by cancellation of units. The fund management charge will be


The hospitalisation and administration charges will be deducted from the alue by cancellation of units. The fund management charge will be

The hospitalisation and administration charges will be deducted from the The hospitalisation and administration charges will be deducted from the

performance of the unit funds chosen by him.. The policyholder will continue to participate in the

performance of the unit funds chosen by him.

health insurance benefits intact. The rider benefit if any will cease. The policyholder will continue to participate in the

subsequent premiums are unpaid, the policy will remain in fohealth insurance benefits intact. The rider benefit if any will ceasesubsequent premiums are unpaid, the policy will remain in fohealth insurance benefits intact. The rider benefit if any will cease

If premiums have been paid for at least three consecutive years andsubsequent premiums are unpaid, the policy will remain in fo

After paying of at least 3 full years’ premiums: If premiums have been paid for at least three consecutive years andAfter paying of at least 3 full years’ premiums:

the period allowed for revival.be terminated and the surrender value, if anythe period allowed for revival.

In the event the policy is not revived during revival period, the policy shall be terminated and the surrender value, if anyIn the event the policy is not revived during revival period, the policy shall

date of the policy subject to satisfactor

In the event the policy is not revived during revival period, the policy shall

date of the policy subject to satisfactoryears from the due date of first unpaid premium but before the maturity recommencing the payment of premiums at any time within a period of 2 A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 A policyholder may revive a policy by paying the arrears of premiums and A policyholder may revive a policy by paying the arrears of premiums and



management charge will be priced in the unit value


in the performance of unit funds. The monthly administration charges will the policyholder will continue to participate



If premiums have not been paid for at least three consecutive years fromthe inception the health insurance benefits and rider benefits if any will If premiums have not been paid for at least three consecutive years fromIf premiums have not been paid for at least three consecutive years from

from the commencement of policy and are yearly reviewable thereafterrates for Major Surgical Benefit rates are guaranteed for three years from the commencement of policy and are yearly reviewable thereafter

The hospitalisation charges for Hospital Cash Benefit and premium rates for Major Surgical Benefit rates are guaranteed for three years The hospitalisation charges for Hospital Cash Benefit and premium rates for Major Surgical Benefit rates are guaranteed for three years The hospitalisation charges for Hospital Cash Benefit and premium

The switching charge, for selecting STP option can be increased upto The switching charge, for selecting STP option can be increased upto

subsequent premiums are unpaid, the policy will remain in foIf premiums have been paid for at least three consecutive years andsubsequent premiums are unpaid, the policy will remain in fo

After paying of at least 3 full years’ premiums: If premiums have been paid for at least three consecutive years andAfter paying of at least 3 full years’ premiums:

be terminated and the surrender value, if anyIn the event the policy is not revived during revival period, the policy shall be terminated and the surrender value, if anyIn the event the policy is not revived during revival period, the policy shall

y medical and financial underyears from the due date of first unpaid premium but before the maturity

y medical and financial underyears from the due date of first unpaid premium but before the maturity

y medical and financial under

recommencing the payment of premiums at any time within a period of 2 years from the due date of first unpaid premium but before the maturity

A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 A policyholder may revive a policy by paying the arrears of premiums and





in the performance of unit funds. The monthly administration charges will


the inception the health insurance benefits and rider benefits if any will

Revival of a discontinued policy

A policyholder may revive a policy by paying the arrears of premiums and recommencing the payment of premiums at any time within a period of 2 years from the due date of first unpaid premium but before the maturity date of the policy subject to satisfactory medical and financial underwriting

If the base plan is revived, the riders can be revived by paying the arrears of premiums with interest at the prevailing rate of interest. The current rate of interest is 9.5% p.a. This will be subject to satisfactory medical and financial underwriting.

Tax Benefit

The benefits and premiums payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time.

As per current tax rules premiums paid in respect of hospitalization charges are eligible for tax deduction under section 80 D of the Income Tax Act, 1961( the Act). The balance of premium is eligible to tax deduction under section 80 C of the Act, provided the annual premium during the year does not exceed 20% of the Sum Assured.

Premium paid under Term life insurance benefit rider and Term Life with Accident Benefit Rider are eligible for tax deduction under Section 80C of the Act, provided the annual premium during the year does not exceed 20% of the Sum Assured.

Premium paid under major surgical benefit rider and critical conditions (25) riders are eligible for tax deduction under section 80D of the Act.

The benefits under this plan and riders are tax exempt under section 10 (10D) of the Act subject to conditions.

Service tax and education cess will be charged as per applicable rates.

You are recommended to consult your tax advisor

General Policy Provisions.

a. Suicide Claim provisions. The Company will not pay any benefit in respect of Hospital Cash Benefit claims which result from self afflicted injuries or conditions (attempted suicide).

If the suicide results into death, the company will pay only the Fund Value and the policy will be terminated.

b. Exclusions

The Exclusions under Hospital Cash Benefit cover: No benefits are available hereunder and no payment will be made by the Company for any claim for Hospital Cash Benefit under this Policy on account of Hospitalization directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

1. “Pre-existing condition”- any medical condition or any related condition (e.g. illnesses, symptoms, treatments, pains) that have arisen at some point prior to the commencement of this coverage, irrespective of whether any medical treatment or advice was sought. Any such condition or related condition about which the PI or insured dependant know, knew or could reasonably have been assumed to have known, will be deemed to be pre-existing. The following conditions will also be deemed to be “pre-existing”:

a. Conditions arising between signing the application form and confirmation of acceptance by the company;

b. Any sickness, illness, complication or ailment arising out of or connected to the pre-existing illness.

2. Hospitalization due to illness within the first 90 days from the Date of Cover commencement or 90 days from the date of revival if reinstated after discontinuance of the cover;

3. Any treatment not performed by a Physician or any treatment of a purely experimental nature;

4. Any routine or prescribed medical check up or examination;

5. Medical Expenses relating to any hospitalization primarily for diagnostic, X-ray or laboratory examinations;

6. Any Sickness that has been classified as an Epidemic by the Central or State Government;

arisen at some point prior to the commencement of this coverage, irrespective of whether any medical treatment or advice was arisen at some point prior to the commencement of this coverage, condition (e.g. illnesses, symptoms, treatments, pains) that have arisen at some point prior to the commencement of this coverage,

“Pre-existing condition”- any medical condition or any relatedcondition (e.g. illnesses, symptoms, treatments, pains) that have “Pre-existing condition”- any medical condition or any related

on, arising out of or howsoever attributable to any of the following:on account of Hospitalization directly or indirectly caused byon, arising out of or howsoever attributable to any of the following:

the Company for any claim for Hospital Cash Benefit under this Policy on account of Hospitalization directly or indirectly caused by

No benefits are available hereunder and no payment will be made bythe Company for any claim for Hospital Cash Benefit under this Policy

The Exclusions under Hospital Cash Benefit cover:No benefits are available hereunder and no payment will be made byThe Exclusions under Hospital Cash Benefit cover:The Exclusions under Hospital Cash Benefit cover:

lue and the policy will be terminatedIf the suicide results into death, the company will pay only the Fund

lue and the policy will be terminatedIf the suicide results into death, the company will pay only the FundIf the suicide results into death, the company will pay only the Fund

Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash

ou are recommended to consult your tax advisoou are recommended to consult your tax adviso

ice tax and education cess will be charged as per applicable ratesice tax and education cess will be charged as per applicable rates

The benefits under this plan and riders are tax exempt under section 10

(25) riders are eligible for tax deduction under section 80D of the Act.

The benefits under this plan and riders are tax exempt under section 10

Premium paid under major surgical benefit rider and critical conditions (25) riders are eligible for tax deduction under section 80D of the Act.Premium paid under major surgical benefit rider and critical conditions Premium paid under major surgical benefit rider and critical conditions

the Act, provided the annual premium during the year does not exceed the Act, provided the annual premium during the year does not exceed Accident Benefit Rider are eligible for tax deduction under Section 80C ofthe Act, provided the annual premium during the year does not exceed Accident Benefit Rider are eligible for tax deduction under Section 80C of

Term Life with

under section 80 C of the Act, provided the annual premium during the Act, 1961( the Act). The balance of premium is eligible to tax deduction under section 80 C of the Act, provided the annual premium during the Act, 1961( the Act). The balance of premium is eligible to tax deduction under section 80 C of the Act, provided the annual premium during the

charges are eligible for tax deduction under section 80 D of the Income TAct, 1961( the Act). The balance of premium is eligible to tax deduction

As per current tax rules premiums paid in respect of hospitalization charges are eligible for tax deduction under section 80 D of the Income T

laws and other financial enactments as they may exist from time to time.The benefits and premiums payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time.The benefits and premiums payable under the policy are subject to tax

PI or insured dependant knowassumed to have known, will be deemed to be pre-existing. The

sought. Any such condition or related condition about which the PI or insured dependant knowsought. Any such condition or related condition about which the PI or insured dependant know

irrespective of whether any medical treatment or advice was sought. Any such condition or related condition about which the

arisen at some point prior to the commencement of this coverage, irrespective of whether any medical treatment or advice was

condition (e.g. illnesses, symptoms, treatments, pains) that have arisen at some point prior to the commencement of this coverage,

“Pre-existing condition”- any medical condition or any relatedcondition (e.g. illnesses, symptoms, treatments, pains) that have “Pre-existing condition”- any medical condition or any related“Pre-existing condition”- any medical condition or any related

on, arising out of or howsoever attributable to any of the following:on account of Hospitalization directly or indirectly caused byon, arising out of or howsoever attributable to any of the following:

the Company for any claim for Hospital Cash Benefit under this Policy on account of Hospitalization directly or indirectly caused by

No benefits are available hereunder and no payment will be made bythe Company for any claim for Hospital Cash Benefit under this Policy No benefits are available hereunder and no payment will be made bythe Company for any claim for Hospital Cash Benefit under this Policy

The Exclusions under Hospital Cash Benefit cover:No benefits are available hereunder and no payment will be made byThe Exclusions under Hospital Cash Benefit cover:



Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash The Company will not pay any benefit in respect of Hospital Cash

ou are recommended to consult your tax adviso

ice tax and education cess will be charged as per applicable rates

ou are recommended to consult your tax adviso

ice tax and education cess will be charged as per applicable ratesice tax and education cess will be charged as per applicable rates

The benefits under this plan and riders are tax exempt under section 10The benefits under this plan and riders are tax exempt under section 10The benefits under this plan and riders are tax exempt under section 10

(25) riders are eligible for tax deduction under section 80D of the Act.Premium paid under major surgical benefit rider and critical conditions (25) riders are eligible for tax deduction under section 80D of the Act.Premium paid under major surgical benefit rider and critical conditions

the Act, provided the annual premium during the year does not exceed Accident Benefit Rider are eligible for tax deduction under Section 80C ofthe Act, provided the annual premium during the year does not exceed Accident Benefit Rider are eligible for tax deduction under Section 80C ofthe Act, provided the annual premium during the year does not exceed

rm Life with Accident Benefit Rider are eligible for tax deduction under Section 80C of

rm Life with

under section 80 C of the Act, provided the annual premium during the Act, 1961( the Act). The balance of premium is eligible to tax deduction under section 80 C of the Act, provided the annual premium during the

charges are eligible for tax deduction under section 80 D of the Income TAct, 1961( the Act). The balance of premium is eligible to tax deduction charges are eligible for tax deduction under section 80 D of the Income Tax charges are eligible for tax deduction under section 80 D of the Income Tax charges are eligible for tax deduction under section 80 D of the Income T

No benefits are available hereunder and no payment will be made byThe Exclusions under Hospital Cash Benefit cover:No benefits are available hereunder and no payment will be made byThe Exclusions under Hospital Cash Benefit cover:



Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash Benefit claims which result from self afflicted injuries or conditions The Company will not pay any benefit in respect of Hospital Cash The Company will not pay any benefit in respect of Hospital Cash

r

ice tax and education cess will be charged as per applicable ratesice tax and education cess will be charged as per applicable ratesice tax and education cess will be charged as per applicable rates

The benefits under this plan and riders are tax exempt under section 10The benefits under this plan and riders are tax exempt under section 10

7. Circumcision, cosmetic or aesthetic treatments of any description, change of gender surgery, plastic surgery (unless such plastic surgery is necessary for the treatment of Illness or accidental Bodily Injury as a direct result of the insured event and performed with in 6 months of the same);

8. Hospitalization for donation of an organ;

9. Hospitalization for correction of birth defects or congenital anomalies;

10. Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury;

11. Convalescence, general debility, nervous or other breakdown, rest cure, congenital diseases or defect or anomaly, sterilisation or infertility (diagnosis and treatment), any sanatoriums, spa or rest cures or long term care or hospitalization undertaken as a preventive or recuperative measure;

12. Self afflicted injuries or conditions (attempted suicide), and/or the use or misuse of any drugs or alcohol;

13. Any sexually transmitted diseases or any condition directly or indirectly caused to or associated with Human Immuno Deficiency (HIV) Virus or any Syndrome or condition of a similar kind commonly referred to as AIDS;

4. Removal of any material that was implanted in a former surgery before date of Cover commencement

15. Any diagnosis or treatment arising from or traceable to pregnancy (whether uterine or extra uterine), childbirth including caesarean section, medical termination of pregnancy and/or any treatment related to pre and post natal care of the mother or the new born;

16. Hospitalization for the sole purpose of physiotherapy or any ailment for which hospitalization is not warranted due to advancement in medical technology;

17. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith;

18. Naval or military operations(including duties of peace time) of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like;

19. Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard);

20. Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping and mountaineering or in any criminal or illegal activities;

21. Radioactive contamination;

22. Non-allopathic methods of treatment;

15 day free look period

In Case the Policy Holder disagrees with any of the terms and conditions of the policy, he may return the policy to the Company within 15 days of its receipt for cancellation , stating his/her objections in which case the company will refund an amount equal to the non allocated premium Plus the charges levied by Cancellation of units plus fund value as on the date of receipt of the request in writing for cancellation , less the proportionate premium for the period the company has been on risk and the expenses incurred by the company on medical examination and stamp duty charges.

About us

Reliance Life Insurance offers you products that fulfill your savings and protection needs. Our aim is to emerge as a transnational Life Insurer of global scale and standard.

Reliance Life Insurance is an associate company of Reliance Capital Ltd., a part of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital is one of India’s leading private sector financial services companies and has interests in asset management and mutual funds, stock broking, life and general insurance, proprietary investments, private equity and other activities in financial services.

receipt for cancellation , stating his/her objections in which case the company will refund an amount equal to the non allocated premium Plus

the policyreceipt for cancellation , stating his/her objections in which case the the policyIn Case the Policy Holder disagrees with any of the terms and conditions ofthe policyIn Case the Policy Holder disagrees with any of the terms and conditions of

15 day y fr

22. Non-allopathic methods of treatment; 22. Non-allopathic methods of treatment;

Radioactive contamination;

mountaineering or in any criminal or illegal activities;

Radioactive contamination;

mountaineering or in any criminal or illegal activities; limited to racing, scuba diving, aerial sports, bungee jumping andmountaineering or in any criminal or illegal activities;

Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping and

earthquake, volcanic eruptions or any kind of natural hazard);

Participation in any hazardous activity or sports including but not

earthquake, volcanic eruptions or any kind of natural hazard); Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard);

combating terrorists, rebels and the like;

Any natural peril (including but not limited to avalanche,

combating terrorists, rebels and the like; the use of arms or which are ordered by militarcombating terrorists, rebels and the like; the use of arms or which are ordered by militar

es or air forcthe use of arms or which are ordered by militar

operations(including duties of peace time) of the rce and participation in operations requiring

operations(including duties of peace time) of the

or usurped power of civil commotion or loot or pillage in or usurped power of civil commotion or loot or pillage in or usurped power of civil commotion or loot or pillage in rebellion, revolution, insurrection

, invasion, act of foreign enem rebellion, revolution, insurrection

, invasion, act of foreign enem

advancement in medical technology; ailment for which hospitalization is not warranted due toadvancement in medical technology;

Hospitalization for the sole purpose of physiotherapy or any ailment for which hospitalization is not warranted due toHospitalization for the sole purpose of physiotherapy or any

related to pre and post natal care of the mother or the new born;

Hospitalization for the sole purpose of physiotherapy or any

section, medical termination of pregnancy and/or any treatment related to pre and post natal care of the mother or the new born;

(whether uterine or extra uterine), childbirth including caesarean section, medical termination of pregnancy and/or any treatment

Any diagnosis or treatment arising from or traceable to pregnancy (whether uterine or extra uterine), childbirth including caesarean Any diagnosis or treatment arising from or traceable to pregnancy Any diagnosis or treatment arising from or traceable to pregnancy

Removal of any material that was implanted in a former surgeRemoval of any material that was implanted in a former surgeRemoval of any material that was implanted in a former surge

irus or any Syndrome or condition of a similar kindindirectly caused to or associated with Human Immuno Deficiency

irus or any Syndrome or condition of a similar kind

Any sexually transmitted diseases or any condition directly or indirectly caused to or associated with Human Immuno DeficiencyAny sexually transmitted diseases or any condition directly or Any sexually transmitted diseases or any condition directly or

elf afflicted injuries or conditions (attempted suicide), and/or the elf afflicted injuries or conditions (attempted suicide), and/or the elf afflicted injuries or conditions (attempted suicide), and/or the

infertility (diagnosis and treatment), any sanatoriums, spa or rest

receipt for cancellation , stating his/her objections in which case the company will refund an amount equal to the non allocated premium Plus

the policyreceipt for cancellation , stating his/her objections in which case the

In Case the Policy Holder disagrees with any of the terms and conditions ofthe policyIn Case the Policy Holder disagrees with any of the terms and conditions ofthe policyIn Case the Policy Holder disagrees with any of the terms and conditions of

ee lo

22. Non-allopathic methods of treatment; 22. Non-allopathic methods of treatment; 22. Non-allopathic methods of treatment;

Radioactive contamination;Radioactive contamination;

mountaineering or in any criminal or illegal activities; limited to racing, scuba diving, aerial sports, bungee jumping andmountaineering or in any criminal or illegal activities;

Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping andParticipation in any hazardous activity or sports including but not

earthquake, volcanic eruptions or any kind of natural hazard); Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard); Any natural peril (including but not limited to avalanche,

combating terrorists, rebels and the like;

Any natural peril (including but not limited to avalanche,

the use of arms or which are ordered by militarcombating terrorists, rebels and the like; the use of arms or which are ordered by militarcombating terrorists, rebels and the like;

e and participation in operations requiring the use of arms or which are ordered by militar

operations(including duties of peace time) of the e and participation in operations requiring


or usurped power of civil commotion or loot or pillage in or usurped power of civil commotion or loot or pillage in rebellion, revolution, insurrection

or usurped power of civil commotion or loot or pillage in rebellion, revolution, insurrection

, invasion, act of foreign enemy, hostilities (whether war be hostilities (whether war be

advancement in medical technology; ailment for which hospitalization is not warranted due toHospitalization for the sole purpose of physiotherapy or any ailment for which hospitalization is not warranted due toHospitalization for the sole purpose of physiotherapy or any

related to pre and post natal care of the mother or the new born;related to pre and post natal care of the mother or the new born;related to pre and post natal care of the mother or the new born;

(whether uterine or extra uterine), childbirth including caesarean section, medical termination of pregnancy and/or any treatment (whether uterine or extra uterine), childbirth including caesarean section, medical termination of pregnancy and/or any treatment

Any diagnosis or treatment arising from or traceable to pregnancy (whether uterine or extra uterine), childbirth including caesarean Any diagnosis or treatment arising from or traceable to pregnancy

Removal of any material that was implanted in a former surgeRemoval of any material that was implanted in a former surgeRemoval of any material that was implanted in a former surge



irus or any Syndrome or condition of a similar kind

Any sexually transmitted diseases or any condition directly or indirectly caused to or associated with Human Immuno DeficiencyAny sexually transmitted diseases or any condition directly or

elf afflicted injuries or conditions (attempted suicide), and/or the elf afflicted injuries or conditions (attempted suicide), and/or the

Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping andParticipation in any hazardous activity or sports including but not

earthquake, volcanic eruptions or any kind of natural hazard); Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard); Any natural peril (including but not limited to avalanche,

combating terrorists, rebels and the like; the use of arms or which are ordered by militarcombating terrorists, rebels and the like; the use of arms or which are ordered by militar

e and participation in operations requiring the use of arms or which are ordered by militar

operations(including duties of peace time) of the e and participation in operations requiring




or usurped power of civil commotion or loot or pillage in

hostilities (whether war be rebellion, revolution, insurrection

hostilities (whether war be hostilities (whether war be

ailment for which hospitalization is not warranted due toHospitalization for the sole purpose of physiotherapy or any ailment for which hospitalization is not warranted due toHospitalization for the sole purpose of physiotherapy or any

related to pre and post natal care of the mother or the new born;section, medical termination of pregnancy and/or any treatment related to pre and post natal care of the mother or the new born;section, medical termination of pregnancy and/or any treatment

Reliance - Anil Dhirubhai Ambani Group also has presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcare and Infrastructure.

Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states:

41. (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out 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:

Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.

(2) Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees.

Section 45: Policy not to be called in question on ground of mis-statement after two years

No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and 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 for insurance or in any report of a medical officer, or referee, or friend of the 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 policy-holder and that the policy-holder 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 proposal.

The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market, and the insured is responsible for his/her decisions.Reliance Life Insurance Company Limited is only the name of the Insurance Company and Reliance Wealth+Health Plan is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.Tax laws are subject to changes with retrospective effect and consulting a tax expert for an opinion is recommended.

Annexure 1

The Standard rates for Hospital Cash Benefit are as follows:

Age Annual Rates Annual Rates for Age Annual Rates Annual Rates for Hospital Hospital Cash for Hospital for Hospital Cash Benefit Benefit (Female) Cash Benefit Cash Benefit (Male) per per Rs.100 Daily (Male) per (Female) per Rs.100 Daily Benefit Rs.100 Daily Rs.100 Daily Benefit Benefit Benefit

0 54.36 54.36 33 51.22 43.27

1 51.77 51.77 34 50.85 45.48

2 47.89 47.89 35 50.85 47.70

3 44.19 44.19 36 50.66 49.74

4 40.31 40.31 37 50.48 51.59

5 36.61 36.61 38 51.22 51.77

6 32.73 32.73 39 51.96 55.65

The Standard rates for Hospital Cash Benefit are as follows:The Standard rates for Hospital Cash Benefit are as follows:

Annexure

The Standard rates for Hospital Cash Benefit are as follows:

Annexure Annexure

a tax expert for an opinion is recommended.a tax expert for an opinion is recommended.ax laws are subject to changes with retrospective effect and consulting

a tax expert for an opinion is recommended.

way indicate the quality of the contract, its future prospects or returns.ax laws are subject to changes with retrospective effect and consulting

name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.name of the unit linked life insurance contract and does not in any Insurance Company and Reliance name of the unit linked life insurance contract and does not in any

Reliance Life Insurance Company Limited is only the name of the Insurance Company and Reliance Reliance Life Insurance Company Limited is only the name of the for his/her decisions.factors influencing the capital market, and the insured is responsible units may go up or down based on the performance of fund andfactors influencing the capital market, and the insured is responsible

investment risks associated with capital markets and the NAunits may go up or down based on the performance of fund and

The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NA

incorrectly stated in the proposal.The premium paid in Unit Linked Life Insurance policies are subject to

incorrectly stated in the proposal.adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.

deemed to be called in question merely because the terms of the policy areadjusted on subsequent proof that the age of the life insured was deemed to be called in question merely because the terms of the policy areadjusted on subsequent proof that the age of the life insured was

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

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

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

was false or that it suppressed facts which it was material to disclosewas false or that it suppressed facts which it was material to discloseand that the policy-holder knew at the time of making it that the statementmaterial to disclose and that it was fraudulently made by the policy-holder and that the policy-holder knew at the time of making it that the statement

such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder such statement was on a material matter or suppressed facts which it was

, was inaccurate or false, unless the insurer shows thatsuch statement was on a material matter or suppressed facts which it was

referee, or friend of the insured, or in any other document leading to the , was inaccurate or false, unless the insurer shows that

made in the proposal for insurance or in any report of a medical officereferee, or friend of the insured, or in any other document leading to the

effected, be called in question by an insurer on the ground that statement made in the proposal for insurance or in any report of a medical office

of two years from the date on which it was effected, be called in question by an insurer on the ground that statement

Act and no policy of life insurance effected after the coming into fo of two years from the date on which it was

of two years from the date of commencement of thisAct and no policy of life insurance effected after the coming into fo

No policy of life insurance effected before the commencement of this Act of two years from the date of commencement of this


No policy of life insurance effected before the commencement of this Act

Section 45: Policy not to be called in question on ground of Section 45: Policy not to be called in question on ground of

hall be punishable with fine which may extend to five hundred rupees.(2) Any person making default in complying with the provisions of this section hall be punishable with fine which may extend to five hundred rupees.

(2) Any person making default in complying with the provisions of this section

insurance agent satisfies the prescribed conditions establishing that he is a the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a

life shall not be deemed to be acceptance of a rebate of premium withinthe meaning of this sub-section if at the time of such acceptance the life shall not be deemed to be acceptance of a rebate of premium withinconnection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium withinconnection with a policy of life insurance taken out by himself on his own

The Standard rates for Hospital Cash Benefit are as follows:The Standard rates for Hospital Cash Benefit are as follows:

Annexure 1

a tax expert for an opinion is recommended.ax laws are subject to changes with retrospective effect and consulting

a tax expert for an opinion is recommended.ax laws are subject to changes with retrospective effect and consulting

way indicate the quality of the contract, its future prospects or returns.ax laws are subject to changes with retrospective effect and consulting

name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.name of the unit linked life insurance contract and does not in any Insurance Company and Reliance name of the unit linked life insurance contract and does not in any

Reliance Life Insurance Company Limited is only the name of the Insurance Company and Reliance Reliance Life Insurance Company Limited is only the name of the for his/her decisions.factors influencing the capital market, and the insured is responsible for his/her decisions.

units may go up or down based on the performance of fund andfactors influencing the capital market, and the insured is responsible

investment risks associated with capital markets and the NAunits may go up or down based on the performance of fund andinvestment risks associated with capital markets and the NAThe premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NA

incorrectly stated in the proposal.The premium paid in Unit Linked Life Insurance policies are subject to

adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.

deemed to be called in question merely because the terms of the policy areadjusted on subsequent proof that the age of the life insured was


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 Provided that nothing in this section shall prevent the insurer from calling



was false or that it suppressed facts which it was material to discloseand that the policy-holder knew at the time of making it that the statementwas false or that it suppressed facts which it was material to discloseand that the policy-holder knew at the time of making it that the statementmaterial to disclose and that it was fraudulently made by the policy-holder such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder



made in the proposal for insurance or in any report of a medical officereferee, or friend of the insured, or in any other document leading to the made in the proposal for insurance or in any report of a medical officeeffected, be called in question by an insurer on the ground that statement made in the proposal for insurance or in any report of a medical officeeffected, be called in question by an insurer on the ground that statement effected, be called in question by an insurer on the ground that statement



of two years from the date of commencement of thisAct and no policy of life insurance effected after the coming into fo


No policy of life insurance effected before the commencement of this Act No policy of life insurance effected before the commencement of this Act

Section 45: Policy not to be called in question on ground of Section 45: Policy not to be called in question on ground of

hall be punishable with fine which may extend to five hundred rupees.(2) Any person making default in complying with the provisions of this section hall be punishable with fine which may extend to five hundred rupees.

(2) Any person making default in complying with the provisions of this section hall be punishable with fine which may extend to five hundred rupees.

(2) Any person making default in complying with the provisions of this section

insurance agent satisfies the prescribed conditions establishing that he is a insurance agent satisfies the prescribed conditions establishing that he is a

connection with a policy of life insurance taken out by himself on his own connection with a policy of life insurance taken out by himself on his own

factors influencing the capital market, and the insured is responsible units may go up or down based on the performance of fund andfactors influencing the capital market, and the insured is responsible

investment risks associated with capital markets and the NAunits may go up or down based on the performance of fund andinvestment risks associated with capital markets and the NAunits may go up or down based on the performance of fund and

The premium paid in Unit Linked Life Insurance policies are subject to The premium paid in Unit Linked Life Insurance policies are subject to

adjusted on subsequent proof that the age of the life insured was adjusted on subsequent proof that the age of the life insured was deemed to be called in question merely because the terms of the policy areadjusted on subsequent proof that the age of the life insured was


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 Provided that nothing in this section shall prevent the insurer from calling



and that the policy-holder knew at the time of making it that the statementwas false or that it suppressed facts which it was material to discloseand that the policy-holder knew at the time of making it that the statementwas false or that it suppressed facts which it was material to disclose

material to disclose and that it was fraudulently made by the policy-holder and that the policy-holder knew at the time of making it that the statementmaterial to disclose and that it was fraudulently made by the policy-holder material to disclose and that it was fraudulently made by the policy-holder such statement was on a material matter or suppressed facts which it was



referee, or friend of the insured, or in any other document leading to the made in the proposal for insurance or in any report of a medical officeeffected, be called in question by an insurer on the ground that statement made in the proposal for insurance or in any report of a medical office

of two years from the date on which it was effected, be called in question by an insurer on the ground that statement

of two years from the date on which it was

t B

Age Annual Rates Annual Rates for Age Annual Rates Annual Rates for Hospital Hospital Cash for Hospital for Hospital Cash Benefit Benefit (Female) Cash Benefit Cash Benefit (Male) per per Rs.100 Daily (Male) per (Female) per Rs.100 Daily Benefit Rs.100 Daily Rs.100 Daily Benefit Benefit Benefit

7 29.03 29.03 40 52.51 57.69

8 29.77 29.77 41 53.25 59.35

9 30.51 30.51 42 53.99 61.39

10 31.25 31.25 43 56.76 63.05

11 31.99 31.99 44 59.72 64.34

12 32.91 32.91 45 62.31 65.64

13 33.84 33.84 46 65.27 66.93

14 34.76 34.76 47 68.04 68.41

15 35.68 35.68 48 70.45 69.89

16 36.61 36.61 49 72.85 71.55

17 37.53 37.53 50 75.25 73.40

18 43.64 33.84 51 77.47 75.07

19 45.67 35.13 52 80.06 76.73

20 48.07 36.24 53 84.13 80.43

21 50.11 37.35 54 88.01 83.94

22 52.51 38.83 55 91.89 87.46

23 51.59 39.01 56 95.78 90.97

24 51.03 39.57 57 99.84 94.67

25 50.11 39.75 58 106.32 103.73

26 49.37 39.94 59 112.79 112.97

27 48.81 40.31 60 119.44 122.22

28 49.55 40.49 61 125.91 131.28

29 49.92 40.68 62 132.57 140.71

30 50.48 40.86 63 151.80 155.13

31 50.85 41.05 64 168.99 172.69

32 51.40 41.42

1. The above rates are guaranteed for three years from the commencement of the policy and are yearly reviewable thereafter.

2. Monthly rates are 1/12th of the annual rates and there is no frequency loading

3. Hospital cash benefit charges will be different for sub standard lives.Hospital cash benefit charges will be different for sub standard lives.Hospital cash benefit charges will be different for sub standard lives.

Monthly rates are 1/12th of the annual rates and there is no frequency commencement of the policy and are yearly reviewable thereafterMonthly rates are 1/12th of the annual rates and there is no frequency

The above rates are guaranteed for three years from the commencement of the policy and are yearly reviewable thereafterThe above rates are guaranteed for three years from the

0 40 4

5 4

8 48 40.86

2 40.680.68

0.49

58

57

88.0

84.1

88.0

84.184.13 8

80.06 780.06 7

7 77 7

5 75 7

5 75 7

5 65 6

4 68.414 68.41

6.93

5.645.64

Hospital cash benefit charges will be different for sub standard lives.Hospital cash benefit charges will be different for sub standard lives.Hospital cash benefit charges will be different for sub standard lives.

Monthly rates are 1/12th of the annual rates and there is no frequency commencement of the policy and are yearly reviewable thereafterMonthly rates are 1/12th of the annual rates and there is no frequency commencement of the policy and are yearly reviewable thereafterThe above rates are guaranteed for three years from the commencement of the policy and are yearly reviewable thereafterThe above rates are guaranteed for three years from the

0 40 4

5 41.055 41.05

0.860.86

0.68

6060

59

58

95.795.7

91.891.891.8

88.088.01 8

3 83 8

6 76 76 7

7 77 77 7

5 75 7

5 71.555 71.55

9.89

8.418.41

The above rates are guaranteed for three years from the commencement of the policy and are yearly reviewable thereafterThe above rates are guaranteed for three years from the

1.421.42

1.05

62

6161

60

106.32

99.899.8

95.78 995.78 9

9 89 8

1 8

t B

6 6

2 6

1 6

7 6

4 6

5 6

5 7

5 7

7 7

6 7

3 8

1 8

9 8

8 9

4 9

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This product brochure gives the salient features of the plan only. For further details on all the conditions, exclusions related to Reliance Wealth+Health Plan please contact our Insurance Advisors.

Insurance is the subject matter of the solicitation.

UIN for Reliance Term Life Insurance Benefit Rider: 121C009V01, Reliance Major Surgical Benefit Rider: 121B011V01, Reliance Critical Conditions (25) Rider: 121B010V01, Reliance Term Life with Accident Benefit Rider: 121B012V01, Reliance Wealth+Health Plan: 121L028V01

Reliance Life Insurance Company Limited (Reg. No 121)

Registered Office: H Block, 1st floor, Dhirubhai Ambani Knowledge City,Navi Mumbai, Maharashtra 400710, India

Customer Care Number: 1800 300 08181 & 3033 8181

Email: [email protected]

Website: www.reliancelife.com

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Date post:	11-Jul-2020
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Reliance Wealth + Health Plan · Reliance Wealth + Health Plan, a health insurance plan...

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