17
Saral Health Plan Birla Sun Life Insurance A plan that offers a comprehensive cover for all medical expenses
Saral Children’s Plan
Birla Sun Life Insurance
A plan that guarantees your child’s future
Page 16
Saral Health Plan
Birla Sun Life Insurance
A plan that offers a comprehensive cover for all medical expenses
Page 29
BS
LI S
ara
l He
alth
Pla
n
In this policy, the investment risk in the investment portfolio is borne by the
policyholder.
You have always wanted a plan that offers a comprehensive health cover for all types
of medical expenses but may have found the process of buying one to be
cumbersome and lengthy. With Birla Sun Life Insurance Saral Solutions, this could be
a thing of the past.
Introducing BSLI Saral Health Plan, a comprehensive health insurance plan that gives
cover across – hospitalization expenses, surgical expenses, critical illness and routine
health care expenses.
This is a whole life plan which provides you a fixed cash benefit to cover
hospitalization expenses for both surgical and non-surgical events. And, if you are
diagnosed with a critical illness you also receive a lump sum amount in addition to
the hospitalization cash benefits
You pay minimum policy premium to cover hospitalisation benefit and health
reimbursement benefit, which you can use to cover your routine health and
medical related expenses such as dental care, pathology expenses and other
similar costs in the long run
You may choose to pay additional premium towards enhancement of health
reimbursement benefit
And you get all this without having to undergo any medical tests. You only have
to fill up a simple application form and reply to four questions related to your
medical history
You are in the
However, if you do not find this plan suitable our advisors will be happy to recommend
alternate solutions from our wide range of BSLI Health and Wellness solutions or you
could visit our website to explore all the options on your own.
The BSLI Saral Health Plan is a non-participating, unit linked health insurance plan. All
unit linked health insurance plans are different from traditional insurance plans and are
subject to different risk factors. The name of the investment funds and that of this plan
do not in any way indicate the quality of the plan or future returns.
In this plan, the investment risk in the investment options chosen by you is borne by
you. Investment funds are subject to investment risks and unit prices may go up or
down reflecting the market value of the underlying assets. Past performance is no
guarantee of future results.
You can buy this plan in 2 simple and convenient steps
THE SALIENT BENEFITS IN THIS PLAN ARE:
This plan is meant for you if:
THINGS YOU SHOULD KEEP IN MIND
THE SARAL PROCESS
•
•
•
•
•
•
age group of 18 to 50 years today
Your replies to the questions relating to your medical history are favorable
Page 30
BS
LI S
ara
l He
alth
Pla
n
question merely because the terms of the policy are adjusted on subsequent proof
that the age of the life insured was incorrectly stated in the application.
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is
a non-participating unit linked savings plan. Birla Sun Life Insurance, Saral Wealth
Plan, Guaranteed Option, LifeCycle Option, Income Advantage, Enhancer and
Maximiser are only the names of the Company, Policy, Investment Options and the
Investment Funds respectively and do not in any way indicate the quality of the Policy,
Investment Funds or their future prospects or returns. The charges mentioned above
are applicable to all the three Investment Funds offered at present. Only the Policy
Administration Charge, Fund Management Charge and Revival Charge can be
modified by the Company subject to specified limits and approval of the IRDA. The
value of the Investment Fund reflects the value of the underlying investments. These
investments are subject to market risks and change in fundamentals such as tax rates
etc affecting the investment portfolio. The premium paid in Unit Linked Life Insurance
policies are subject to investment risk associated with capital markets and the unit
price of the units may go up or down based on the performance of Investment Fund
and factors influencing the capital market and the policy owner is responsible for
his/her decisions. There is no guarantee or assurance of returns from the Investment
Funds. BSLI reserves the right to recover levies such as the Service Tax levied by the
authorities on insurance transactions. If there be any additional levies, they too will be
recovered from you. This brochure contains the salient features of the plan. For further
details please refer to the policy contract. Tax benefits are subject to changes in the tax
laws. Insurance is the subject matter of the solicitation. For more details and
clarification call your BSLI Insurance Advisor or visit our website and see how we can
help in making your dreams come true.
Risk Factors & Disclaimers
Page 15
BS
LI S
ara
l We
alth
Pla
n
then current administration rules, we may reduce the amount of the refund by
expenditures incurred by us in issuing your policy and as permitted by the IRDA and
in accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002.
On each business day and for each investment fund, we determine the unit price by
dividing the net asset value (NAV) of the investment fund at the valuation time by the
number of units in existence for the investment fund in question. We publish the unit
price of all investment funds on our website www.birlasunlife.com as well as in the
newspapers.
The NAV is determined based on whether we are purchasing (appropriation price) or
selling (expropriation price) assets in order to meet the daily transactions of unit
allocation or redemption associated with the investment fund. When appropriation
(expropriation) price is applied, the NAV of the investment fund is the market value of
investments held by the fund; plus (less) the expenses incurred in purchasing (selling)
assets; plus the value of current assets; plus any accrued income net of fund
management charges; less the value of any current liabilities or provisions. This NAV
divided by the number of units existing on the valuation date, before units are allocated
(redeemed), gives the amount of money we put in to (take out of) the investment fund
per unit allocated (redeemed).
We will refund higher of the fund value or premiums paid to date in the event the life
insured dies by suicide, whether medically sane or insane, within one year after the
issue or revival date, whichever is later.
No person shall allow or offer to allow, either directly or indirectly, as an inducement to
any person to take or renew or continue an insurance in respect of any kind of risk
relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the policy, nor shall any person taking
out or renewing or continuing a policy accept any rebate, except such rebate as may
be allowed in accordance with the published prospectuses or tables of the insurer.
No policy of life insurance effected after the coming into force of this Act shall, after the
expiry of two years from the date on which it was effected be called in question by an
insurer on the ground that statement made in the proposal or in any report of a medical
officer, or referee, or friend of the life insured, or in any other document leading to the
issue of the policy, was inaccurate or false, unless the insurer shows that such
statement was on a material matter or suppressed facts which it was material to
disclose and that it was fraudulently made by the policyholder and that the
policyholder knew at the time of making it that the statement was false or that it
suppressed facts which it was material to disclose.
Provided that nothing in this section shall prevent the insurer from calling for proof of
age at any time if he is entitled to do so, and no policy shall be deemed to be called in
Unit Price
Suicide
Section 41 of the Insurance Act, 1938
Section 45 of the Insurance Act, 1938
Page 14
BS
LI S
ara
l W
ea
lth P
lan
1. Choose your pay term and health insurance benefit term
You have an option to choose from 10 pay / 10 term, 10 pay / 20 term,
20 pay / 20 term.
2. Choose your additional premium (if any)
You choose your additional premium to enhance your health reimbursement
benefit to take care of your future Health & Medical related expenses. Your health
insurance benefit is fixed at Rs. 10 Lacs.
Above all, you don't go through the trouble of any medical test.
Your Health Insurance Benefit is for a sum assured of Rs. 10 Lacs. You can claim your
benefit in case of Hospitalization and/or in case of Critical Illness during health
insurance benefit term.
In case of Hospitalization – every time you are hospitalized for a period of at least
48 hours and for medically necessary treatment of any illness or injury, you will receive
for each day hospitalized (starting from the first day):
(a) Rs. 2,000 if you had no surgical procedure during your hospitalization; or
(b) Rs. 4,000 if you had any surgery during your hospitalization; or
(c) Rs. 8,000 if surgery directly involved your brain, heart (including coronary arteries),
liver or lung.
With regards to (b) only, the Rs. 4,000 claim is limited to 10 days per policy year.
For any excess days hospitalized in this category, you will receive Rs. 2,000 per day.
In case of Critical Illness – should you ever suffer from one of the four covered critical
illnesses – Heart Attack, Cancer, Stroke and Major Organ Transplant – then you will
receive a lump sum equal to Rs. 20,000 times the policy year in which the critical
illness occurred.
The Critical Illness benefit is payable only once during the health insurance benefit
term and the life insured must survive at least 30 days from the date of diagnosis
before the claim is eligible.
BENEFITS OF BSLI SARAL HEALTH PLAN
Health Insurance Benefit
Sample Case (a) Sample Case (b) Sample Case (c)
Hospitalization without Hospitalization for Hospitalization for
surgery 12 days any surgery heart surgery
in hospital 12 days in hospital 12 days in hospital
Total Benefit = Rs. 24,000 Total Benefit = Rs. 44,000 Total Benefit = Rs. 96,000
12 days in hospital 10 days in hospital 12 days in hospital
@ 2000 each @ 4000 each +2 days @ 8000 each
in hospital @ 2000 each
Heart Attack in policy year 1 2 3 ... 10 and so on
Total Benefit = Rs. 20,000 40,000 60,000 200,000 20,000 x
year
Page 31
BS
LI S
ara
l He
alth
Pla
n
The maximum amount that can be claimed under the Health Insurance Benefit is
Rs. 2 Lacs per policy year in case of Hospitalization and Rs. 10 Lacs over the health
insurance benefit term in case of both Hospitalization and Critical Illness combined.
Your policy premium is used to create a unit-linked fund which will take care of your
future Health & Medical related expenses – such as:
General practitioners fees, medicines and drugs
Pathology and diagnostics expenses
Dental treatment
Ayurvedic and homeopathic treatment
Any health related expense not covered under medical insurance
This benefit can be claimed after the completion of 5 policy years to an extent of 100%
of the Fund Value. Simply produce bills or proof of expense and we will reimburse such
expenses by reducing the Fund Value by the same.
You can claim reimbursements 4 times a year free of charge subject to a minimum
claim amount of Rs. 2000. Additional claims within a policy year will be subject to
Rs. 250 claims charge.
At the end of the health insurance benefit term, your Fund Value will be augmented
by a Guaranteed Addition, if all premiums are paid. The Guaranteed Addition is
according to the following schedule:
At the end of the health insurance benefit term, your Health Insurance Benefit will
cease but any Fund Value balance will continue indefinitely until you have fully claimed
Health Reimbursement Benefits against it.
After the health insurance benefit term, only the fund management charge will be
deducted from the Fund Value.
In the unfortunate event you are diagnosed with a terminal illness or condition, you can
claim the full Fund Value without submission of bills. This is to ensure you are not
burdened with medical expenses in times of crisis.
In the unfortunate event of your demise, the nominee will receive the Fund Value.
The policy offers tax benefits under Section 80D of the Income Tax Act, 1961. Under
Section 80D, premiums up to Rs. 15,000 are allowed as a deduction from your taxable
income each year.
Health Reimbursement Benefit
Guaranteed Addition
Terminal Illness and Death Benefit
Current Tax Benefits
•
•
•
•
•
Page 32
BS
LI S
ara
l He
alth
Pla
n
10 pay/10 term 10 pay/20 term 20 pay/20 term
Minimum Guaranteed Addition Rs. 3,000 Rs. 8,000 Rs. 10,000
Plus per Rs. 1,000 Additional Rs. 300 Rs. 800 Rs. 1,000Premium
In case you opt for the Guaranteed Option, you must also pay an additional investment
guarantee premium which goes towards providing the investment guarantee on your
policy. This additional investment guarantee premium is not invested in any fund and is
as per the schedule below (per Rs. 1,000 of Annual Savings Premium).
Now your premium payable is a total of savings premium plus insurance premium
towards insurance cover plus investment guarantee premium towards Guaranteed
Option, if selected.
If you are unable to pay the policy premium by the due date, you will be given a
grace period of 30 days during which time the insurance cover under your policy
will continue.
If you do not pay your premium within the said grace period of 30 days, the following
will be applicable:
During the first three policy years – Your policy will lapse if we do not receive
the entire policy premium by the end of the grace period. The insurance under
your policy will cease and your fund value will be held in suspense after deduction
of surrender charges. This net fund value will be paid out to you only at the
end of the third policy year or the end of the two-year revival period, whichever
is later.
You can revive your policy within two-years from its lapse date by paying
all outstanding policy premiums and providing us with evidence of insurability
satisfactory to us. If the life insured dies while the policy is not yet revived,
we will pay the fund value as of the lapse date immediately and terminate
the contract.
After three completed policy years – If we do not receive the entire policy premium
by the end of the grace period, then you will be given a period of two years to pay all
outstanding premiums till date. Your policy will continue during these two years, as
well as all insurance cover and charges. At the end of this two-year period, we will
give you the choice to either surrender your policy or continue it without the
payment of additional policy premiums. Your policy will, however, be deemed as
surrendered should your fund value equal one annual policy premium.
You will have the right to return your policy to us within 15 days from the date of receipt
of the policy. We will pay the fund value plus all charges levied till date (excluding the
fund management charge) once we receive your written notice of cancellation (along
with reasons thereof) together with the original policy documents. Depending on our
TERMS & CONDITIONS
Premium Discontinuance
Free-look Period
•
•
Entry Age 10 pay/ 10 pay/ 20 pay/
Male Female 10 term 20 term 20 term
All All 10 20 20
Inclusive of service tax and education cess
Page 13
BS
LI S
ara
l We
alth
Pla
n
POLICY PREMIUM
You can choose to pay your premiums monthly, quarterly, semi-annually or annually,
as per your convenience.
Your premium payable is the annual savings premium chosen by you plus insurance
premium that goes towards providing the insurance cover.
Insurance premium per Rs. 1,000 Annual Savings Premium (or Rs. 6,000 Sum
Assured) is:
Page 12
Entry Age 10 pay/ 10 pay/ 20 pay/
Male Female 10 term 20 term 20 term
18 - 30 18 - 33 18 37 24
31 34 19 38 25
32 35 19 39 26
33 36 20 40 27
34 37 21 42 28
35 38 22 43 29
36 39 23 45 31
37 40 24 47 32
38 41 25 49 34
39 42 26 52 36
40 43 28 54 38
41 44 29 57 41
42 45 31 60 43
Inclusive of service tax and education cess
Entry Age 10 pay/ 10 pay/ 20 pay/
Male Female 10 term 20 term 20 term
43 46 33 64 46
44 47 36 68 50
45 48 38 73 54
46 49 41 78 58
47 50 45 83 62
48 51 48 89 67
49 52 52 96 73
50 53 56 103 79
51 54 60 111 85
52 55 65 120 92
53 --- 71 131 100
54 --- 76 142 109
55 --- 83 155 118
Insurance premium will be entirely invested in the investment funds and mortality
charges will be deducted from the same every month.
BS
LI S
ara
l W
ea
lth P
lan
POLICY PREMIUM
YOUR INVESTMENT OPTIONS
LifeCycle Option
Switching your Risk Profile
Your policy premium is Minimum Policy Premium applicable as per your age, gender
and pay term / benefit term plus your chosen additional premium (if any).
Simplicity being our guiding theme, we offer one simple option for your convinence.
Under the LifeCycle Option, your portfolio will be structured as per your age and risk
profile – you can decide whether you are conservative, moderate or aggressive in
your approach towards investments. Your portfolio will then be monitored and
administered by us, saving you the time and effort involved in overseeing it yourself.
We automatically shift your investments from riskier assets to safer assets in line with
your increasing age and risk profile.
We will invest your premiums between the two investment funds, Maximiser (100%
equity) and Income Advantage (100% debt) in a predetermined proportion based on
the selected risk profile and your age when the premium is invested. Details about
these two funds are explained later.
The proportion invested in Maximiser (100% equity) will be according to the schedule
given below – the remaining amount will be invested in Income Advantage (100%
debt):
For example – if person A aged 35 years, opts for a health insurance benefit term of
20 years with LifeCycle Option and a conservative risk profile, then based on the age
and the risk profile the investment portfolio will change with time as below:
You can change your risk profile at any time with no additional cost. All premiums paid
from that point onwards will be invested in the Maximiser and Income Advantage
according to your new risk profile.
Page 33
Age
Risk Profile 18 - 30 31 - 40 41 - 50 51 - 60 61 - 70 71+
Conservative 50% 40% 30% 15% 0% 0%
Moderate 70% 60% 50% 35% 20% 5%
Aggressive 90% 80% 70% 55% 40% 25%
Percentage of investments inAge
Maximiser Income Advantage
Age 31-40 40% 60%
Age 41-50 30% 70%
Age 51-60 15% 85%
BS
LI S
ara
l He
alth
Pla
n
Investment Fund Risk Profile Asset Allocation * Min. Max.
Income Advantage Very Low Debt Instruments,
Money Market & Cash 100% 100%
Equities & Equity
Related Securities 0% 0%
Maximiser High Debt Instruments,
Money Market & Cash 0% 20%
Equities & Equity
Related Securities 80% 100%
Automatic Rebalance of your investments
INVESTMENT FUNDS
Income Advantage
Maximiser
We will automatically rebalance your investment portfolio on each policy anniversary
to ensure that it maintains the predetermined proportion in Maximiser and Income
Advantage as per the risk profile you have selected at no additional charge.
Objective: To provide capital preservation and regular income, in high quality debt
instruments.
Strategy: To actively manage the fund by building a portfolio of fixed income
instruments with a medium term duration. The fund will invest in government
securities, high rated corporate bonds, high quality money market instruments and
other fixed income securities. The quality of the assets purchased would aim to
minimize the credit risk and liquidity risk of the portfolio. The fund will maintain
reasonable level of liquidity.
Objective: To provide long term capital appreciation by actively managing a well-
diversified equity portfolio of fundamentally strong blue chip companies.
Strategy: To build and actively manage a well-diversified equity portfolio of value and
growth driven stocks by following a research focused investment approach. While
appreciating the high risk associated with equities, the fund would attempt to
maximize the risk-return pay off for the long-term advantage of the policyholders. The
fund will also explore the option of having exposure to quality mid cap stocks. The
non-equity portion of the fund will be invested in good rated money market
instruments and fixed deposits.
The portfolio of different investment funds is given below:
*In each investment fund, the Money Market & Cash asset allocation will not exceed 40%. Money
Market Instruments are debt instruments of less than one year maturity. It includes mutual funds,
collateralised borrowing & lending obligation, certificate of deposits, commercial papers etc.
Investment in Money Market Instrument supports for better liquidity management.
This plan does not offer premium redirection or switching between investment funds,
except switching of risk profile under the LifeCycle Option.
Page 34
BS
LI S
ara
l He
alth
Pla
n
Revival Charge
Service Tax
IRDA Approval
An amount of Rs. 100 is charged for policy revival. This amount may increase in future
subject to a maximum of Rs. 1,000.
Service Tax and other levies, as applicable, will be extra and levied as per the extant tax
laws.
Only when specified and within stated limits, we may increase a particular charge at
any time in the future. We, however, need to get prior approval from the IRDA before
such charge increase is effective. Otherwise, all other charges in this policy are
guaranteed to never increase during the tenure of the policy.
Page 11
BS
LI S
ara
l We
alth
Pla
n
Policy Administration Charge
Fund Management Charge
Mortality Charge
Surrender Charge
A policy administration charge of 0.25% per month of the annual savings premium is
deducted monthly by canceling units from the investment fund/s at that time. This
charge is guaranteed to never increase for the first three years, after which it can be
increased by no more than by 5% per annum since inception.
The daily unit price of each investment fund is adjusted to reflect the
fund management charge. This may be increased by us in the future subject to
IRDA approval.
Mortality charge is deducted every month for providing you with the insurance cover. It
is charged by canceling units from the investment fund/s at that time. It is guaranteed
never to increase.
Sample rates are provided for your reference. Please visit our website or ask your
financial advisor for the rates applicable to you.
Surrender charge is applicable if policy is surrendered before the completion of 5
policy years. The amount you will receive on surrendering the policy is the Fund Value
less the surrender charges. This charge is guaranteed to never increase.
Investment Fund FMC
Income Advantage 1.00%
Enhancer 1.25%
Maximiser 1.35%
Charge per 1000 Sum Assured
Male Female
Entry age 10 pay/ 10 pay/ 20 pay/ 10 pay/ 10 pay/ 20 pay/
10 term 20 term 20 term 10 term 20 term 20 term
18-30 2.718 5.546 3.555 2.718 5.546 3.555
35 3.185 6.464 4.317 2.860 5.834 3.794
40 4.095 8.130 5.704 3.485 7.030 4.787
45 5.705 10.892 8.009 4.620 9.053 6.473
50 8.390 15.460 11.810 6.653 12.462 9.322
55 12.397 23.389 17.811 9.793 18.088 13.886
Per 1000 of Annual Savings Premium
Policy year 10 pay/10 term 10 pay/20 term 20 pay/20 term
< 3 800 900 1000
3 to < 4 400 450 500
4 to < 5 200 225 250
5 onwards Nil Nil Nil
Page 10
BS
LI S
ara
l W
ea
lth P
lan
MONITORING YOUR INVESTMENTS
You can monitor your investments
on our website (www.birlasunlife.com) with your CPIN and TPIN number;
through the annual statement detailing the number of units you have in each
investment fund and their respective unit price as of the last policy anniversary; and
through the published unit prices of all investment funds on our website as well as
in the newspapers
•
•
•
Page 35
BS
LI S
ara
l He
alth
Pla
n
Annual Morbidity Charge
Male Female
Entry age 10 pay/ 10 pay/ 20 pay/ 10 pay/ 10 pay/ 20 pay/10 term 20 term 20 term 10 term 20 term 20 term
18-25 1,686 3,562 2,180 1,686 3,562 2,180
30 1,812 4,278 2,603 1,756 3,950 2,404
35 2,043 5,314 3,276 1,934 4,844 2,968
40 2,493 7,009 4,365 2,282 6,237 3,869
45 3,134 9,576 6,023 2,847 8,448 5,289
50 4,083 13,069 8,289 3,657 11,523 7,303
POLICY CHARGES
Premium Allocation Charge
Policy Administration Charge
Fund Management Charge
Morbidity Charge
Premium allocation charge is deducted from the policy premium before it is invested
in the chosen funds. Premium allocation charge is deducted on the Rs. 10,000 of
Minimum Policy Premium plus Additional Premium (if any). It is guaranteed never to
increase.
A policy administration charge of 0.25% per month on the Rs. 10,000 of Minimum
Policy Premium plus Additional Premium (if any) is deducted monthly by canceling
units from the investment fund/s at that time. This charge is guaranteed to never
increase for the first three years, after which it can be increased by no more than by
5% per annum since inception.
The daily unit price of each investment fund is adjusted to reflect the fund management
charge. This may be increased by us in the future subject to IRDA approval.
Morbidity charge is deducted every month during the premium paying term for
providing you with the insurance cover. It is charged by canceling units from the
investment fund/s at that time. It is guaranteed for 3 years and can be revised
thereafter subject to IRDA approval.
Sample rates are provided for your reference. Please visit our website or ask your
financial advisor for the rates applicable to you.
Premium Allocation Charge
Policy year 10 pay/10 term 10 pay/20 term 20 pay/20 term
1 - 3 17.00% 24.00% 30.00%
4 onwards Nil Nil Nil
Page 36
Investment Fund FMC
Income Advantage 1.00%
Maximiser 1.35%
BS
LI S
ara
l He
alth
Pla
n
ACCESSING YOUR INVESTMENTS
Partial Withdrawal
Policy Surrender
MONITORING YOUR INVESTMENTS
POLICY CHARGES
Premium Allocation Charge
In case you need to withdraw some amount from your investments, you are allowed to
make unlimited partial withdrawals after 3 policy years with no additional cost. The
minimum amount of partial withdrawal is Rs. 5,000. There is no maximum limit, but
you are required to maintain a minimum Fund Value equal to one annual policy
premium plus surrender charges, if any.
For the Guaranteed Option, in case of partial withdrawals, the Guaranteed Maturity
Benefit (as of the withdrawal date) is reduced by 110% of the proportion of the Fund
Value withdrawn. For example, if 20% of Fund Value is withdrawn, the Guaranteed
Maturity Benefit is reduced by 22%.
The plan offers the flexibility of surrendering the policy if the need arises, anytime
during the tenure of the policy. On surrender, you will receive the Fund Value (net of any
surrender charge). There is no surrender charge after your policy completes five
policy years.
However, if the policy is surrendered before completing 3 policy years, we will defer the
payment till the end of the third policy year. The deferred payment will be an amount
equal to the Fund Value (net of surrender charge) as of the date of surrender and will
remain constant till paid to you.
You can monitor your investments
on our website (www.birlasunlife.com) with your CPIN and TPIN number;
through the annual statement detailing the number of units you have in each
investment fund and their respective unit price as of the last policy anniversary; and
through the published unit prices of all investment funds on our website as well as
in the newspapers
Premium allocation charge is deducted from the savings premium before it is invested
in the chosen funds. It is guaranteed never to increase.
•
•
•
Percentage of Annual Savings Premium Paid
Policy year 10 pay/10 term 10 pay/20 term 20 pay/20 term
1 - 3 17.00% 24.00% 30.00%
4 onwards Nil Nil Nil
Page 9
BS
LI S
ara
l We
alth
Pla
n
Enhancer
Maximiser
Objective: To grow capital through enhanced returns over a medium to long-term
period through investments in equity and debt instruments, thereby providing a good
balance between risk and return. It is suitable for individuals seeking, higher returns
with a balanced equity-debt exposure.
Strategy: To earn capital appreciation by maintaining a diversified equity portfolio and
seek to earn regular returns on the fixed income portfolio by active management
resulting in wealth creation for policy owners.
Objective: To provide long term capital appreciation by actively managing a well-
diversified equity portfolio of fundamentally strong blue chip companies.
Strategy: To build and actively manage a well-diversified equity portfolio of value and
growth driven stocks by following a research focused investment approach. While
appreciating the high risk associated with equities, the fund would attempt to
maximize the risk-return pay off for the long-term advantage of the policyholders. The
fund will also explore the option of having exposure to quality mid cap stocks. The
non-equity portion of the fund will be invested in good rated money market
instruments and fixed deposits.
The portfolio of different investment funds is given below:
*In each investment fund, the Money Market & Cash asset allocation will not exceed 40%. Money
Market Instruments are debt instruments of less than one year maturity. It includes mutual funds,
collateralised borrowing & lending obligation, certificate of deposits, commercial papers etc.
Investment in Money Market Instrument supports for better liquidity management.
This plan does not offer premium redirection or switching between investment
options, investment funds, except switching of risk profile under the LifeCycle Option.
Investment Fund Risk Profile Asset Allocation * Min. Max.
Debt Instruments,Money Market & Cash 100% 100%
Income Advantage Very LowEquities & EquityRelated Securities 0% 0%
Debt Instruments,Money Market & Cash 65% 80%
Enhancer MediumEquities & EquityRelated Securities 20% 35%
Debt Instruments,Money Market & Cash 0% 20%
Maximiser HighEquities & EquityRelated Securities 80% 100%
Page 8
BS
LI S
ara
l W
ea
lth P
lan
Health Reimbursement Benefit Charge
Revival Charge
Service Tax
IRDA Approval
No charge is levied on the first 4 Health Reimbursement Benefit claims in a policy year.
Subsequent claims will be charged Rs. 250 per claim. This charge may be increased
in future subject to a maximum of Rs. 1,000.
An amount of Rs. 100 is charged for policy revival. This amount may increase in future
subject to a maximum of Rs. 1,000.
Service Tax and other levies, as applicable, will be extra and levied as per the extant
tax laws.
Only when specified and within stated limits, we may increase a particular charge at
any time in the future. We, however, need to get prior approval from the IRDA before
such charge increase is effective. Otherwise, all other charges in this policy are
guaranteed to never increase during the tenure of the policy.
Page 37
BS
LI S
ara
l He
alth
Pla
n
Page 38
BS
LI S
ara
l He
alth
Pla
n
POLICY PREMIUM
You can choose to pay your premiums monthly, quarterly, semi-annually or annually,
as per your convenience.
Your premium payable is the minimum policy premium plus additional premium
chosen by you.
Minimum Policy premium is:
Entry Age 10 pay/ 10 pay/ 20 pay/
Male Female 10 term 20 term 20 term
18-25 18-27 11,859 13,928 12,405
26 28 11,886 14,055 12,478
27 29 11,912 14,200 12,560
28 30 11,937 14,357 12,652
29 31 11,965 14,530 12,755
30 32 11,999 14,719 12,871
31 33 12,036 14,908 12,992
32 34 12,081 15,117 13,126
33 35 12,133 15,343 13,274
34 36 12,191 15,588 13,435
35 37 12,254 15,861 13,613
36 38 12,329 16,168 13,811
37 39 12,416 16,507 14,028
38 40 12,517 16,879 14,267
39 41 12,629 17,285 14,529
40 42 12,750 17,731 14,815
41 43 12,871 18,220 15,127
42 44 13,001 18,751 15,468
43 45 13,140 19,318 15,833
44 46 13,290 19,919 16,224
45 47 13,457 20,562 16,643
46 48 13,636 21,243 17,088
47 49 13,828 21,960 17,559
48 50 14,034 22,710 18,055
49 - 14,256 23,520 18,581
50 - 14,504 24,415 19,142
Switching your Risk Profile
Automatic Rebalance of your investments
Guaranteed Option
INVESTMENT FUNDS
Income Advantage
You can change your risk profile at any time with no additional cost. All premiums paid
from that point onwards will be invested in the Maximiser and Income Advantage
according to your new risk profile.
We will automatically rebalance your investment portfolio on each policy anniversary
to ensure that it maintains the predetermined proportion in Maximiser and Income
Advantage as per the risk profile you have selected at no additional charge.
Under the Guaranteed Option, your money is solely invested in investment fund
Enhancer. Details about this fund are explained later. Under this option, a Guaranteed
Maturity Benefit is offered, if you have paid your premiums for at least five full policy
years. On maturity, higher of Fund Value or Guaranteed Maturity Benefit is payable.
Objective: To provide capital preservation and regular income, in high quality debt
instruments.
Strategy: To actively manage the fund by building a portfolio of fixed income
instruments with a medium term duration. The fund will invest in government
securities, high rated corporate bonds, high quality money market instruments and
other fixed income securities. The quality of the assets purchased would aim to
minimize the credit risk and liquidity risk of the portfolio. The fund will maintain
reasonable level of liquidity.
Page 7
BS
LI S
ara
l We
alth
Pla
n
•
•
Under Section 80C, premiums up to Rs. 100,000 are allowed as a deduction from
your taxable income each year
Under Section 10 (10D), the benefits you receive from this plan are exempt from
tax, subject to mentioned exclusions
You can choose any annual savings premium starting from Rs. 10,000 in multiples
of Rs. 1,000. Your Sum Assured is automatically 6 times the annual savings
premium chosen.
Simplicity being our guiding theme, we offer two simple options for you to choose from
for your investments.
Under the LifeCycle Option, your portfolio will be structured as per your age and risk
profile – you can decide whether you are conservative, moderate or aggressive in your
approach towards investments. Your portfolio will then be monitored and
administered by us, saving you the time and effort involved in overseeing it yourself.
We automatically shift your investments from riskier assets to safer assets in line with
your increasing age and risk profile.
We will invest your premiums between the two investment funds, Maximiser
(100% equity) and Income Advantage (100% debt) in a predetermined proportion
based on the selected risk profile and your age when the premium is invested. Details
about these two funds are explained later.
The proportion invested in Maximiser (100% equity) will be according to the
schedule given below – the remaining amount will be invested in Income Advantage
(100% debt):
For example – if person A aged 35 years, opts for a policy term of 20 years with
LifeCycle Option and a conservative risk profile, then based on the age and the risk
profile the investment portfolio will change with time as below:
SAVINGS PREMIUM AND SUM ASSURED
YOUR INVESTMENT OPTIONS
LifeCycle Option
Percentage of investments inAge
Maximiser Income Advantage
Age 31-40 40% 60%
Age 41-50 30% 70%
Age 51-60 15% 85%
Page 6
Age
Risk Profile 18 - 30 31 - 40 41 - 50 51 - 60 61 - 70 71+
Conservative 50% 40% 30% 15% 0% 0%
Moderate 70% 60% 50% 35% 20% 5%
Aggressive 90% 80% 70% 55% 40% 25%
BS
LI S
ara
l W
ea
lth P
lan
TERMS & CONDITIONS
Premium Discontinuance
Free-look Period
Unit Price
Section 41 of the Insurance Act, 1938
If you are unable to pay the policy premium by the due date, you will be given a grace
period of 30 days during which time the insurance cover under your policy will
continue.
If you do not pay your premium within the said grace period of 30 days, the following
will be applicable:
During the first three policy years – Your policy will lapse if we do not receive the
entire policy premium by the end of the grace period. All insurance cover under
your policy will cease without value.
You can revive your policy within two years from its lapse date by paying all
outstanding policy premiums and providing us with evidence of insurability
satisfactory to us. If the life insured dies while the policy is not yet revived, we will
pay the fund value as of the lapse date immediately and terminate the contract.
After three completed policy years – If we do not receive the entire policy premium
by the end of the grace period, you will be given a period of two years to pay all
outstanding premiums till date. After this two-year period, no premiums will be
accepted by us. During this two-year period and thereafter, your policy with all
insurance cover and charges will continue until the Fund Value is exhausted.
You will have the right to return your policy to us within 15 days from the date of receipt
of the policy. We will pay the fund value plus all charges levied till date (excluding the
fund management charge) once we receive your written notice of cancellation (along
with reasons thereof) together with the original policy documents. Depending on our
then current administration rules, we may reduce the amount of the refund by
expenditures incurred by us in issuing your policy and as permitted by the IRDA and in
accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002.
On each business day and for each investment fund, we determine the unit price by
dividing the net asset value (NAV) of the investment fund at the valuation time by the
number of units in existence for the investment fund in question. We publish the unit
price of all investment funds on our website www.birlasunlife.com as well as in the
newspapers.
The NAV is determined based on whether we are purchasing (appropriation price) or
selling (expropriation price) assets in order to meet the daily transactions of unit
allocation or redemption associated with the investment fund. When appropriation
(expropriation) price is applied, the NAV of the investment fund is the market value of
investments held by the fund; plus (less) the expenses incurred in purchasing (selling)
assets; plus the value of current assets; plus any accrued income net of fund
management charges; less the value of any current liabilities or provisions. This NAV
divided by the number of units existing on the valuation date, before units are allocated
(redeemed), gives the amount of money we put in to (take out of) the investment fund
per unit allocated (redeemed).
No person shall allow or offer to allow, either directly or indirectly, as an inducement to
any person to take or renew or continue an insurance in respect of any kind of risk
•
•
Page 39
BS
LI S
ara
l He
alth
Pla
n
relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the policy, nor shall any person taking
out or renewing or continuing a policy accept any rebate, except such rebate as may
be allowed in accordance with the published prospectuses or tables of the insurer.
No policy of life insurance effected after the coming into force of this Act shall, after the
expiry of two years from the date on which it was effected be called in question by an
insurer on the ground that statement made in the proposal or in any report of a medical
officer, or referee, or friend of the life insured, or in any other document leading to the
issue of the policy, was inaccurate or false, unless the insurer shows that such
statement was on a material matter or suppressed facts which it was material to
disclose and that it was fraudulently made by the policyholder and that the
policyholder knew at the time of making it that the statement was false or that it
suppressed facts which it was material to disclose.
Provided that nothing in this section shall prevent the insurer from calling for proof of
age at any time if he is entitled to do so, and no policy shall be deemed to be called in
question merely because the terms of the policy are adjusted on subsequent proof
that the age of the life insured was incorrectly stated in the application.
in Hospital – means a period of a full 24 hours during a period of confinement.
The first Day of confinement shall commence at the time of admission to the Hospital
and each subsequent Day shall commence 24 hours after the commencement of the
previous Day. In the event of the time of discharge of the life insured from the Hospital
being more than 12 hours, but less than 24 hours from the end of the previous Day,
then the day of discharge shall also be regarded as a Day.
- means any institution established for indoor or in-patient care and day
care treatment of sickness and/or injuries and which has been registered either as a
Hospital or Nursing Home with the local authorities and is under the supervision of a
registered and qualified Medical Practitioner OR must comply with all minimum criteria
as under:
Has at least 10 inpatient beds, in those towns having a population of less than
10,00,000 and 15 inpatient beds in all other places;
Has fully qualified nursing staff under its employment round the clock;
Has fully qualified doctor(s) in charge round the clock;
Has a fully equipped operation theatre of its own where surgical procedures are
carried out; and
Maintains daily records of patients and will make these accessible to us.
Hospital does not include any institution which is operated primarily as a convalescent
or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of
alcoholics or drug addicts, or for any similar purpose.
- refers to a procedure, a treatment or a period of
hospitalization which is ordered by a registered medical practitioner and
Which is required for the diagnosis or direct treatment of a medical condition, and
Appropriate and consistent with the symptoms and findings or diagnosis and
treatment of the life insured medical condition, and
Provided in accordance with generally accepted medical practice on a national
basis, and
Section 45 of the Insurance Act, 1938
Important Definitions
“Day”
“Hospital”
“Medically Necessary”
•
•
•
•
•
•
•
•
Page 40
BS
LI S
ara
l He
alth
Pla
n
THE SARAL PROCESS
BENEFITS OF BSLI SARAL WEALTH PLAN
Maturity Benefit
Death Benefit
Current Tax Benefits
You can buy this plan in 3 simple and convenient steps
1. Choose your pay term and policy term
You have an option to choose from 10 pay / 10 term, 10 pay / 20 term, 20 pay /
20 term.
2. Choose your savings premium
You choose your annual savings premium and automatically your sum assured is
calculated as 6 times the amount chosen.
3. Choose your investment option
You have a choice to invest your money in either the 'LifeCycle' Option or the
'Guaranteed' Option. LifeCycle Option for individuals who would like their
investments to alter over time based on their age and risk profile. Guaranteed
Option for individuals who would like to receive a minimum amount guaranteed at
the end of the policy term.
Above all, you don't go through the trouble of any medical test.
Maturity benefit is payable only at the end of the policy term and only if the policy is still
in effect at that time. You will receive the Fund Value plus Guaranteed Addition at
maturity. The Guaranteed Addition is according to the following schedule (per
Rs. 1,000 of one Annual Savings Premium), provided all premiums are paid.
In addition, if you have selected the Guaranteed Option, your Fund Value at maturity is
guaranteed to be no less than the Guaranteed Maturity Benefit. The Guaranteed
Maturity Benefit is a percentage of the aggregate savings premiums paid by you, as
given below:
The nominee will receive the Sum Assured PLUS the Fund Value in the unfortunate
event of the death of the life insured.
The policy offers tax benefits under Section 80C and Section 10(10D) of the Income
Tax Act, 1961.
Years Premiums Paid 10 pay / 10 term 10 pay / 20 term 20 pay / 20 term
Less than 5 - - -
5 to less than 10 100% 100% 100%
10 or more 105% 125% 125%
10 pay / 10 term 10 pay / 20 term 20 pay / 20 term
Guaranteed Addition Rs. 300 Rs. 800 Rs. 1,000
Page 5
BS
LI S
ara
l We
alth
Pla
n
In this policy, the investment risk in the investment portfolio is borne by the
policyholder.
You have always wanted to give your family the benefit of an insurance plan but may
have found the process of choosing and applying for the right plan a cumbersome
one. With Birla Sun Life Insurance Saral Solutions choosing and applying for the right
wealth solution is now simple and easy.
Introducing BSLI Saral Wealth Plan, an insurance plan that provides you the benefits
of insurance without any medical tests, offers you extra protection for your loved ones
and an option to enjoy Guaranteed Maturity Benefits.
You choose your saving premium and you are offered a cover of six times of the
chosen savings premium. This will ensure financial protection for your loved ones
You have the option to choose a guaranteed maturity benefit to receive a
guaranteed amount on maturity. For this you require to pay a nominal additional
premium and you will receive a guaranteed amount based on the number of
premiums you pay and the policy term
In case of the unfortunate event of your death, the nominee will receive an amount
equal to Sum Assured PLUS the Fund Value. Thus providing your family with
enhanced protection
Above all, you don't go through the trouble of any medical tests
You are in the age group of 18 to 55 years today
You are looking at a Saving Premium of Rs. 10,000 or more annually
Your replies to the questions relating to your medical history are favorable
However, if you do not find this plan suitable our advisors will be happy to recommend
alternate solutions from our wide range of BSLI wealth with protection solutions or you
could visit our website to explore all the options on your own.
The BSLI Saral Wealth Plan is a non-participating, unit linked savings plan. All unit
linked life insurance plans are different from traditional insurance plans and are subject
to different risk factors. The name of the investment funds and that of this plan do not
in any way indicate the quality of the plan or future returns.
In this plan, the investment risk in the investment options chosen by you is borne by
you. Investment funds are subject to investment risks and unit prices may go up or
down reflecting the market value of the underlying assets. Past performance is no
guarantee of future results.
THE SALIENT BENEFITS IN THIS PLAN ARE:
This plan is meant for you if:
THINGS YOU SHOULD KEEP IN MIND
•
•
•
•
•
•
•
Page 4
BS
LI S
ara
l W
ea
lth P
lan
•
•
•
•
Not of an experimental nature, not of an investigative nature and not in the
nature of research.
- means a condition (illness or bodily injury) for which, prior
to the effective date of the policy:
the life insured had signs or symptoms which would have caused any ordinary
prudent person to seek treatment, diagnosis or care, or
medical advice or treatment was recommended by or received from a physician,
or
the life insured had undergone medical tests or investigations
Any congenital disorder, or related illness or complication arising out of or in
connection with a pre-existing medical condition, shall be considered part of that
pre-existing medical condition.
- means a medically necessary procedure or intervention performed by a
qualified medical professional and carried out through a natural orifice or approached
by the cutting or penetration of any part of the body to treat a disease, deformity or
injury.
- means the first occurrence of Heart Attack or myocardial infarction
which means the death of a portion of the heart muscle, as a result of an acute
interruption of blood supply to the myocardium. The diagnosis must be based on a
history of typical chest pain, new characteristic electrocardiographic changes proving
infarction, and significant elevation of cardiac enzymes. Diagnosis must be confirmed
by a consultant cardiologist acceptable to us. Angina is specifically excluded.
“Pre-existing Disease”
“Surgery”
“Heart Attack”
Page 41
BS
LI S
ara
l He
alth
Pla
n
“Cancer”
“Stroke”
“Major Organ transplant”
What is not covered under this plan?
- means a malignant tumour characterized by the uncontrolled growth
and spread of malignant cells and the invasion of tissue. The diagnosis must be
histologically confirmed. The term cancer includes leukaemia but the following
cancers are excluded:
all forms of lymphoma, Kaposi's sarcoma in the presence of any Human
Immunodeficiency Virus;
any skin cancer other than invasive malignant melanoma;
all tumours which are histologically described as pre-malignant, non-invasive
or carcinoma in situ;
- means a cerebrovascular incident producing neurological sequelae of a
permanent nature, having lasted not less than six months. Infarction of brain tissue,
haemorrhage and embolisation from an extra-cranial source are included.
The diagnosis must be based on changes seen in a CT scan or MRI and certified by
a neurologist acceptable to us. Excluded are:
Transient ischemic attacks (TIA);
Traumatic injury of the brain;
Vascular disease affecting only the eye or optic nerve or vestibular functions;
- means actual undergoing of a transplant as a
recipient of:
Human bone marrow using haematopoietic stem cells, preceded by total
bone marrow ablation; or;
One of the following human organs: heart, lung, liver, kidney that resulted
from irreversible end - stage failure of the relevant organ;
Other stem-cell transplants are excluded. The undergoing of a transplant must be
confirmed by a specialist medical practitioner.
No health insurance benefit is available hereunder and no payment will be made by us
for any claim directly or indirectly caused by, based on, arising out of or howsoever
attributable to any of the following:
Any sickness related condition manifesting itself within 90 days from the effective
date of the policy or revival thereof, whichever is later. Only claims in respect of
injuries caused by accidents will be payable during this 90-day waiting period
Any Pre-existing disease and its complications;
AIDS, HIV related complications or any Sexually Transmitted Diseases;
Attempted suicide or self inflicted injury, irrespective of the mental condition
Hazardous sports or activities included but not limited to bungee jumping,
mountaineering etc;
Any flying activity other than as a bonafide passenger;
Under the influence of alcohol, drugs or any substance not prescribed by a
Registered Medical Practitioner;
War, terrorism, riots, civil commotion, strikes, civil war or service in the military or
paramilitary forces of a country at war;
Criminal, unlawful or illegal activity participation;
Exposure to radioactive or nuclear fuel;
Diagnosis or treatment taken outside India;
Psychiatric or mental illness;
Circumcision, any Cosmetic procedures or Plastic Surgery;
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Page 42
BS
LI S
ara
l He
alth
Pla
n
Page 3
BS
LI S
ara
l We
alth
Pla
n
Saral Wealth Plan
Birla Sun Life Insurance
A plan with extra protection for you and your savings
About Birla Sun Life Insurance
About Aditya Birla Group
About Sun Life Financial Inc.
Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya
Birla Group, a well known Indian conglomerates and Sun Life Financial Inc, leading
international financial services organization from Canada. With an experience of over 9
years, BSLI has contributed significantly to the growth and development of the Indian
Life Insurance industry and currently is one of the leading life insurance companies in
the country. Enjoying trust of its over 2 Million customers, BSLI is known for innovation.
BSLI offers a complete range of pension, health and life insurance products and has
an extensive reach in over 1500 markets through its network of 600 branches and
1,64,423 empanelled advisors. This is well supported by the sound financial that the
Company has. The AUM of Birla Sun Life Insurance surpassed Rs. 9,168 crs and it
has a robust capital base of over Rs. 1,999.5 crs as on March 31, 2009.
For more information, please visit www.birlasunlife.com
A US $28 billion corporation, the Aditya Birla Group is in the league of Fortune 500
worldwide. It is anchored by an extraordinary force of 100,000 employees, belonging
to 25 different nationalities. The group operates in 25 countries across six continents –
truly India's first multinational corporation.
Aditya Birla Group through Aditya Birla Financial Services Group (ABFSG), has a
strong presence across various financial services verticals that include life insurance,
fund management, distribution & wealth management, security based lending,
insurance broking, private equity and retail broking. In FY 2008-09, the consolidated
revenues of ABFSG from these businesses crossed Rs. 4763 crs registering a growth
rate of 36%.
For more information, please visit www.adityabirla.com
Sun Life Financial is a leading international financial services organization providing a
diverse range of protection and wealth accumulation products and services to
individuals and corporate customers. Chartered in 1865, Sun Life Financial and its
partners today have operations in key markets worldwide, including Canada, the
United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan,
Indonesia, India, China and Bermuda. As of March 31, 2009, the Sun Life Financial
group of companies had total assets under management of $375 billion.
For more information, please visit www.sunlife.com
Page 2
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Pregnancy, childbirth or their complications, Abortion, Medical Termination of
Pregnancy, Infertility or sex change operation;
Organ donation (donor costs);
Rehabilitation or convalescent care or Length beyond customary length of stay;
Congenital conditions, genetic disorders or birth defects;
Dental Treatment except if arising from an accident;
Non-Allopathic treatment;
Purely investigative procedure not resulting in any treatment or unreasonable
failure to seek medical advice;
Hernia Repair;
Corrective procedure for gall stones;
Corrective procedure for kidney or urinary tract stones;
Discectomy, laminectomy;
Hemi / Partial thyroidectomy;
Corrective procedure for anal fistula or anal fissure;
Removal of uterus, fallopian tubes and/or ovaries, except for malignancy;
Corrective procedure for fibroids, uterine prolapse, or dysfunctional uterine bleeding;
Corrective procedures for haemorrhoids;
This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is
a non-participating unit linked health plan. Birla Sun Life Insurance, Saral Health Plan,
LifeCycle Option, Income Advantage and Maximiser are only the names of the
Company, Policy, Investment Options and the Investment Funds respectively and do
not in any way indicate the quality of the Policy, Investment Funds or their future
prospects or returns. The charges mentioned above are applicable to all the two
Investment Funds offered at present. Only the Policy Administration Charge, Morbidity
Charge and Fund Management Charge can be modified by the Company subject to
specified limits and approval of the IRDA. The value of the Investment Fund reflects the
value of the underlying investments. These investments are subject to market risks
and change in fundamentals such as tax rates etc affecting the investment portfolio.
The premium paid in unit linked health insurance policies are subject to investment risk
associated with capital markets and the unit price of the units may go up or down
based on the performance of Investment Fund and factors influencing the capital
market and the policy owner is responsible for his/her decisions. There is no
guarantee or assurance of returns from the Investment Funds. BSLI reserves the right
to recover levies such as the Service Tax levied by the authorities on insurance
transactions. If there be any additional levies, they too will be recovered from you. This
brochure contains the salient features of the plan. For further details please refer to the
policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the
subject matter of the solicitation. For more details and clarification call your BSLI
Insurance Advisor or visit our website and see how we can help in making your dreams
come true.
Not covered for first two policy years
Risk Factors & Disclaimers
Page 43
BS
LI S
ara
l He
alth
Pla
n
