Insurer: Religare Health Insurance Company Limited Policy No. : 10020093 Policy Period Start Date: From 00.00 hours of March 30, 2013 Policy Period End Date: To Midnight of March 29, 2014 Type of Sum Insured: Family Floater Age limit: 1 day to 90 years. Dependent Children at the age on the date of entry in the Policy to 21 years provided either or both. However, Children above 21 years will cease to, be covered if they are employed / self-employed or married. For unmarried and unemployed girls, disabled children without income dependent upon higher studies and submit Bonafide Certificate from Institution.

Hospitalisation expenses for more than 24 hours are covered.

Day care expenses are covered for specified procedures as per list.

Pre - hospitalization 30 days from date of admission and post 60 days expenses from the date of discharge are covered.

Each and every claim is subject to 10% co-pay on the admissible total claim amount unless specifically mentioned.

Expenses pertaining to OPD treatment not payable.

Claim Submission time maximum upto 30 days from date of discharge. Maximum eligibility for Room rent – 1% of sum insured per day Maximum eligibility for ICU rent -- 2% of sum insured per day Room rent includes nursing care, RMO charges, IV Fluids, Blood transfusion, injection administration charges, and similar expenses. In the event of Insured getting admitted in higher category then he/she will bear the expenses in the same proportion. Proportionate charges will be applicable for all expenses heads of the hospital bill other than those expenses which have a MRP defined. The ratable proportion of the Medical Expenses (including surcharge or taxes thereon) as defined below, Ratable Proportion = (Room rent / ICU charges actually incurred) -- (Room rent / ICU charges eligibility sublimit) Room rent / ICU charges actually incurred Expenses necessarily incurred on availing Ambulance services offered by a Hospital or by an Ambulance service provider (operated by a licensed/ authorized service provider and equipped for the transport and paramedical treatment of persons requiring medical attention) for the Insured Member’s necessary transportation to the nearest Hospital in case of an Emergency provided that the necessity of the Ambulance transportation is certified by the treating Medical Practitioner. Coverage up to 1000/- per event (hospitalisation).

TECH MAHINDRA LIMITED HEALTH INSURANCE POLICY

POLICY DETAILS

POLICY SALIENT FEATURES

ROOM / ICU SERVICES

DOMESTIC ROAD AMBULANCE

SCOPE OF POLICY

Hospital means any institution in India established for In-patient care and Day Care Treatment of Illness and / or Injuries and which has been registered either as a Hospital with the local authorities, wherever applicable, and is under the supervision of a registered and qualified Medical Practitioner AND must comply with all minimum criteria as under : (a) has at least 10 in-patient beds, in those towns having a population of less than 10, 00,000 and 15 in-patient beds in all

other places; (b) has qualified nursing staff under its employment round the clock; (c) has qualified Medical Practitioner in-charge round the clock; (d) has a fully equipped Operation theatre of its own, where Surgical Procedures are carried out; (e) maintains daily records of patients and will make these accessible to our authorized personnel. For Day Care Centres the criterion for minimum number of beds does not apply.

S.NO SURGERY NAME SUBLIMIT (% of sum insured) MAX. PAYABLE CO-PAYMENT WAIVER

1 Cataract 10% 25000 None

2 Hernia 15% 35000 Self, spouse and children

3 Hystrectomy 20% 50000 Self, spouse and children

4 Major Surgery (For Grade 0 to Grade 2)

70% 250000 Self, spouse and children

5 Major Surgery (For Grade 3 and above)

75% 300000 Self, spouse and children

MAJOR SURGERY includes the following, I. Cardiac Surgeries, II. Cancer Surgeries, III. Brain Tumor Surgeries, IV. Pacemaker Implantation, V. Hip Replacement, VI. Knee Joint replacement VII.Organ Transplant [Note: Hospitalization expenses (excluding cost of organ) incurred by donor in respect of organ transplant are covered].

9 month waiting period in respect of maternity claims waived off for all Insured Members.

Overall Limit (in Rupees included within the sum insured limit) = 50000

Sublimit for Normal Delivery = 40000

Sublimit for LSCS = 50000

Pre and post natal hospitalisation charges and normal baby expenses are covered within Maternity sum insured. Pre and post natal OPD treatment expenses are not payable.

Any Medical Expenses incurred in connection with the voluntary medical termination of pregnancy during the first 12 weeks from the date of conception shall not be admissible.

Baby coverage from the day one for a separate ailment / procedure for which the baby requires in-patient care under hospitalisation benefit.

AILMENT / SURGERY WISE SUBLIMITS

MATERNITY

HOSPITAL CRITERIA

Any Claim in respect of any Insured Member for, arising out of or directly or indirectly due to any of the following shall not be admissible, unless expressly stated to the contrary elsewhere in the Policy terms and conditions:

Any condition directly or indirectly caused by or associated with any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis, Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind.

Any treatment arising from or traceable to any fertility , infertility, sub fertility or assisted conception procedure or sterilization, birth control procedures, hormone replacement therapy, contraceptive supplies or services including complications arising due to supplying services or Assisted Reproductive Technology.

Any dental treatment or surgery unless necessitated due to an Injury.

Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self -medication.

Charges incurred in connection with cost of spectacles and contact lenses, hearing aids, routine eye and ear examinations, laser surgery for correction of refractory errors, dentures, and artificial teeth and all other similar external appliances and/or devices whether for diagnosis or treatment.

Experimental, investigational or unproven treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment.

Any diagnosis or treatment of an Illness or Injury which does not require Hospitalization.

Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, belts, collars, caps, splints, braces, stockings of any kind, diabetic footwear, glucometer / thermometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome (C.P.A.P) or continuous ambulatory peritoneal dialysis (C.A.P.D.) and oxygen concentrator for asthmatic condition, cost of cochlear implants.

Weight management services and treatment, services and supplies including treatment of obesity (including morbid obesity).

Any treatment related to sleep disorder or sleep apnea syndrome, general debility convalescence, cure, rest cure, health hydros, nature cure clinics, sanatorium treatment, Rehabilitation measures, private duty nursing, respite care, long-term nursing care, custodial care or any treatment in an establishment that is not a Hospital.

Treatment of all external Congenital Anomaly or Illness or defects or anomalies or treatments relating to birth defects.

Treatment of mental illness, stress, psychiatric or psychological disorders. Psychiatric conditions where it is due to some accidental injury are covered. Diseases like delirium in case of uremia continue to be covered.

Aesthetic treatment, Cosmetic Surgery and plastic surgery or related treatment of any description, including any complication arising from these treatments, other than as may be necessitated due to an Injury, cancer or burns.

Any treatment or surgery for change of sex or gender reassignments including any complication arising from these treatments.

Circumcision unless necessary for treatment of an Illness or as may be necessitated due to an Accident.

PERMANENT EXCLUSIONS

All preventive care, vaccination, including inoculation and immunizations (except in case of post-bite treatment), vitamins and tonics.

Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health.

Any travel or transportation expenses except Ambulance charges.

Treatment received outside India.

Charges incurred at a Hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which In-patient Care/Day Care Treatment is required.

War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.

Any Illness or Injury directly or indirectly resulting or arising from or occurring during commission of any breach of any law by the Insured Member with any criminal intent.

Act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane or Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs and alcohol.

Impairment of an Insured Member’s intellectual faculties by abuse of stimulants or depressants.

Any charges incurred to procure any medical certificate, treatment or Illness related documents pertaining to any period of Hospitalization or Illness.

Personal comfort & convenience items or services including but not limited to T.V. (wherever specifically charged separately), charges for access to telephone and telephone calls (wherever specifically charged separately), foodstuffs (except patient’s diet), cosmetics, hygiene articles, body/baby care products and bath additive, barber or beauty service, guest service as well as similar incidental services and supplies.

Stem Cell implantation, harvesting, storage or any kind of treatment using stem cells.

Expenses related to any kind of RMO charges, service charge, surcharge, admission fees, registration fees, night charges levied by the Hospital under whatever head. Admission charge/Surcharge/Service charges/miscellaneous charges/ Registration fee/ other non- medical or non-treatment related expenses.

Any Hospitalization primarily for investigation and/ or diagnosis purpose.

Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. In addition to the foregoing, any loss, claim or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing, minimizing or in any way relating to the above shall also be excluded.

Alopecia wigs and/or toupee and all hair or hair fall treatment and products.

Any medical or physical condition or treatment or service, which is specifically excluded under the Policy Certificate.

Any treatment taken in a clinic, rest home, convalescent home for the addicted, detoxification Centre, sanatorium, home for the aged, mentally disturbed, remodelling clinic or similar institutions, unless specifically provided for.

Non-allopathic treatment.

Injection Avastin except in cases of cancers wherein it has been approved by FDA.