|| cr ||s atta|r|r ajc||t].

I|e |c||c] w||| ccrt|rue tc vest cr t|e p|cpcse|, |l t|e pc||c] |s p|cpcsec u] |u| cr t|e
||le cl a |rc|.
Fo||cy ocumoot
ENEAI 60NIII0N8
1. Ago: |. I|e p|e|u pa]au|e urce| t|e pc||c] |as ueer ca|cu|atec cr t|e uas|s cl t|e ae cl t|e l|le /ssu|ec as
cec|a|ec r t|e ||cpcsa|. |r case t|e ae cl t|e l|le /ssu|ec |as rct ueer ac|ttec u] t|e Ccpar], t|e ||cpcse| /
l|le /ssu|ec s|a|| lu|r|s| suc| p|ccl cl ae cl t|e l|le /ssu|ec as |s acceptau|e tc t|e Ccpar] arc |ave t|e ae
ac|ttec. ||. |r t|e evert t|e ae sc ac|ttec ('t|e cc||ect ae'} |s lcurc tc ue c|lle|ert l|c t|e ae cec|a|ec |r t|e
||cpcsa|, w|t|cut p|ejuc|ce tc t|e Ccpar]'s ct|e| |||ts arc |eec|es |rc|uc|r t|cse urce| t|e |rsu|arce /ct,
1938, cre cl t|e lc||cw|r act|crs s|a|| ue ta|er. a} |l t|e cc||ect ae cl t|e l|le /ssu|ec |s suc| as wcu|c |ave
ace t|e l|le /ssu|ec ur|rsu|au|e urce| t|e p|ar cl assu|arce spec|l|ec |r t|e |c||c] Ce|t|l|cate, t|e p|ar cl
assu|arce s|a|| starc a|te|ec tc suc| p|ar cl assu|arce as |s ere|a||] |artec u] t|e Ccpar] lc| t|e cc||ect ae
cl t|e l|le /ssu|ec, suuject tc t|e te|s arc ccrc|t|crs as a|e app||cau|e tc t|at p|ar cl assu|arce. |l |t |s rct
pcss|u|e tc |art ar] ct|e| p|ar cl assu|arce, t|e pc||c] s|a|| starc carce||ec l|c t|e cate cl |ssue cl t|e pc||c] arc
t|e p|e|u pa|c s|a|| ue |elurcec suuject tc t|e cecuct|cr cl t|e eperses |rcu||ec u] t|e Ccpar] cr t|e pc||c].
b} |l t|e cc||ect ae cl t|e l|le /ssu|ec |s lcurc tc ue |||e| t|ar t|e ae cec|a|ec |r t|e ||cpcsa|, t|er suuject tc
t|e urce|w||t|r eva|uat|cr at pc|rt cl suc| |rcw|ece, |l t|e l|le /ssu|ec |s lcurc |rsu|au|e t|er, t|e p|e|u
pa]au|e urce| t|e pc||c] s|a|| ue a|te|ec cc||espcrc|r tc t|e cc||ect ae cl t|e l|le /ssu|ec ('t|e cc||ectec
p|e|u'} l|c t|e cate cl ccerceert cl t|e pc||c] arc t|e ||cpcse| / l|le /ssu|ec s|a|| pa] tc t|e Ccpar]
t|e accuu|atec c|lle|erce uetweer t|e cc||ectec p|e|u arc t|e c|||ra| p|e|u l|c t|e ccerceert cl
t|e pc||c] up tc t|e cate cl suc| pa]ert w|t| |rte|est at suc| |ate arc |r suc| arre| as |s c|a|ec u] t|e
Ccpar] lc| |ate pa]ert cl p|e|u. |l t|e l|le /ssu|ec la||s tc pa] t|e c|lle|erce cl p|e|u w|t| |rte|est
t|e|ecr as ert|crec aucve, t|e sae s|a|| ue t|eatec as a ceut cue tc t|e Ccpar] arc s|a|| ue |eccve|ec w|t|
lu|t|e| |rte|est t|e|ecr as ert|crec aucve l|c t|e cre]s pa]au|e urce| t|e pc||c]. W|e|e t|e l|le /ssu|ec |s
rct lcurc |rsu|au|e, t|er t|e ccpar] wcu|c |etu|r t|e p|e|us (ec|uc|r et|a p|e|us, |l ar]} pa|c urce| t|e
pc||c] arc te||rate t|e pc||c]. c} |l t|e cc||ect ae cl t|e l|le /ssu|ec |s lcurc tc ue |cwe| t|ar t|e ae cec|a|ec |r
t|e ||cpcsa|, t|e p|e|u pa]au|e urce| t|e pc||c] s|a|| ue a|te|ec cc||espcrc|r tc t|e cc||ect ae cl t|e l|le
/ssu|ec ('t|e cc||ectec p|e|u'} l|c t|e cate cl ccerceert cl t|e pc||c] arc t|e Ccpar] a], at |ts
c|sc|et|cr, |elurc w|t|cut |rte|est, t|e accuu|atec c|lle|erce uetweer t|e c|||ra| p|e|u pa|c arc t|e
cc||ectec p|e|u.
2. oous: Cua|arteec acc|t|crs arc ucruses (|l app||cau|e, urce| w|t| p|cl|t pc||c|es} w||| ue pa]au|e |r te|s cl t|e
p|cspectus arc Ccpar]'s |rte|ra| u|ce||res arc pc||c|es arc |rsu|arce Reu|atc|] arc Deve|cpert /ut|c||t]
(|RD/} |u|es arc |eu|at|crs.
3. ov|va| oI tho po||cy: / pc||c], w||c| |as |apsec lc| rcr-pa]ert cl p|e|u w|t||r t|e ca]s cl |ace a] ue
|ev|vec suuject tc t|e lc||cw|r ccrc|t|crs. a} I|e app||cat|cr lc| |ev|va| |s ace w|t||r 5 ]ea|s l|c t|e cate cl t|e
l||st urpa|c p|e|u arc uelc|e t|e Vatu||t] Date cl pc||c], b} I|e app||cart ue|r t|e ||cpcse| / l|le /ssu|ec
lu|r|s|es, at ||s cwr eperse, sat|slactc|] ev|cerce cl |ea|t| cl t|e l|le /ssu|ec, c} I|e a||ea|s cl p|e|us
tcet|e| w|t| |rte|est at suc| |ate as t|e ccpar] a] c|a|e lc| |ate pa]ert cl p|e|a a|e pa|c, d} I|e |ev|va| cl
t|e pc||c] a] ue cr te|s c|lle|ert l|c t|cse app||cau|e tc t|e pc||c] uelc|e |t |apsec, arc o} I|e Rev|va| w||| ta|e
ellect cr|] cr |t ue|r spec|l|ca||] ccur|catec u] t|e Ccpar] tc t|e l|le /ssu|ec c| t|e app||cart.
4. Ass|gomoot aod oom|oat|oo: |. /r ass|rert cl t||s pc||c] a] ue ace u] ar ercc|seert upcr t|e pc||c]
|tse|l c| u] a sepa|ate |rst|uert s|rec |r e|t|e| case u] t|e ass|rc| spec|l|ca||] stat|r t|e lact cl ass|rert arc
cu|] attestec. I|e l||st ass|rert a] ue cr|] ace u] t|e l|le /ssu|ec c| t|e ||cpcse|. Suc| ass|rert s|a|| ue
ellect|ve, as aa|rst t|e Ccpar], l|c arc upcr t|e se|v|ce cl a w||tter rct|ce upcr t|e Ccpar] arc t|e
Ccpar] |ecc|c|r t|e ass|rert |r |ts ucc|s. /ss|rert w||| rct ue pe||ttec w|e|e t|e pc||c] |s urce| t|e
Va|||ec Wcer's ||cpe|t] /ct, 1871. ||. I|e l|le /ssu|ec, w|e|e |e |s t|e |c|ce| cl t|e pc||c], a], at ar] t|e
uelc|e t|e Vatu||t] Date cl pc||c], a|e a rc|rat|cr lc| t|e pu|pcse cl pa]ert cl t|e cre]s secu|ec u] t|e
pc||c] |r t|e evert cl ||s ceat|. W|e|e t|e rc|ree |s a |rc|, |e a] a|sc appc|rt a pe|scr tc |ece|ve t|e cre]
cu||r t|e |rc||t] cl t|e rc|ree. |c|rat|cr a] ue ace u] ar ercc|seert cr t|e pc||c] arc u]
ccur|cat|r t|e sae |r w||t|r tc t|e Ccpar]. /r] c|are cl rc|rat|cr, w||c| a] ue ellectec uelc|e t|e
Vatu||t] Date cl pc||c] s|a|| a|sc ue ccur|catec tc t|e Ccpar]. I|e Ccpar] cces rct ep|ess |tse|l upcr t|e
va||c|t] c| accepts ar] |espcrs|u|||t] cr t|e ass|rert c| rc|rat|cr |r |ecc|c|r t|e ass|rert c| |e|ste||r t|e
rc|rat|cr c| c|are |r rc|rat|cr.
5. 8u|c|do: |l t|e l|le assu|ec w|et|e| sare c| |rsare cc|ts su|c|ce, w|t||r cre ]ea| l|c t|e cate cl |ssue cl t||s
pc||c], t|e pc||c] s|a|| ue vc|c arc t|e p|e|us pa|c |e|eurce| w||| ue |elurcec alte| cecuct|r t|e eperses
|rcu||ec u] t|e Ccpar] lc| t|e |ssue cl t|e pc||c].
6. 8poc|a| 6ood|t|oo Ior 0ccupat|oo to bo takoo up by a m|oor: |r case cl a pc||c] ue|r cr t|e ||le cl a |rc| c| a
stucert upcr ||s atta|r|r ajc||t] arc era|r |r a pa|t|cu|a| cccupat|cr, |e ust |ve |rlc|at|cr tc t|e |C|C|
||ucert|a| l|le |rsu|arce Cc. ltc. cl ||s c|cser ep|c]ert arc |l t|e cccupat|cr |s suc| t|at |t |s ccrs|ce|ec
recessa|] tc c|a|e ar app|cp||ate cccupat|cra| et|a p|e|u, suc| p|e|u wcu|c ue |rt|atec tc t|e ||le
assu|ec u] t|e Ccpar] arc t|e ||le assu|ec wcu|c ue |ecu||ec tc pa] suc| et|a p|e|u.
7. Iocootostab|||ty: |r accc|carce tc t|e Sect|cr 15 cl t|e |rsu|arce /ct,1938, rc |c||c] cl ||le |rsu|arce s|a|| alte|
t|e ep||] cl twc ]ea|s l|c t|e cate cr w||c| |t was ellectec, ue ca||ec |r cuest|cr u] ar |rsu|e| cr t|e |curc t|at
a stateert ace |r t|e p|cpcsa| cl |rsu|arce c| ar] |epc|t cl a ec|ca| cll|ce|, c| a |ele|ee , c| l||erc cl t|e |rsu|ec
, c| |r ar] ct|e| cccuert |eac|r tc t|e |ssue cl t|e |c||c],was |raccu|ate c| la|se, ur|ess t|e |rsu|e| s|cws t|at
suc| stateerts was cr ate||a| atte| c| supp|essec lacts w||c| |t was ate||a| tc c|sc|cse arc t|at |t was
l|aucu|ert|] ace u] t|e |c||c]|c|ce| arc t|at t|e |c||c]|c|ce| |rew at t|e t|e cl a||r |t t|at t|e stateert
was la|se c| t|at |t supp|essec lacts w||c| |t was ate||a| tc c|sc|cse. ||cv|cec t|at rct||r |r t|e sect|cr s|a||
p|evert t|e |rsu|e| l|c ca|||r lc| p|ccl cl ae at ar] t|e |l |e |s ert|t|ec tc cc sc arc rc pc||c] s|a|| ue ceeec tc
ue ca||ec |r cuest|cr e|e|] uecause t|e te|s cl t|e |c||c] a|e acjustec cr suusecuert p|ccl t|at t|e ae cl t|e
l|le |rsu|ec was |rcc||ect|] statec |r t|e p|cpcsa|.
8. Not|cos: /r] rct|ce, c||ect|cr c| |rst|uct|cr |ver urce| t|e |c||c] s|a|| ue |r w||t|r arc ce||ve|ec u] |arc, pcst,
lacs|||e c| e-a|| tc. Io caso oI tho Fo||cyho|dor or Nom|ooo: /s pe| t|e ceta||s spec|l|ec u] t|e |c||c]|c|ce| c|
|c|ree |r t|e ||cpcsa| |c| c| C|are cl /cc|ess |rt|at|cr suu|ttec u] || Io caso oI tho 6ompaoy:
/cc|ess. Custce| Se|v|ce Des|, |C|C| ||ucert|a| l|le |rsu|arce Ccpar] l||tec, V|rcc S||| V|||s Ccpcurc,
C|a||ava|t|] /s|c| |aa|, /s|c| Rcac , Karc|va|| (East}, Vuua|- 100 101. |acs|||e. 022 c7100803 / c7170805.
E-a||. ||le||re_|c|c|p|u||le.cc. |ct|ce arc |rst|uct|crs sert u] t|e Ccpar] tc t|e |c||c]|c|ce|s w||| ue ceeec
se|vec 7 ca]s alte| pcst|r c| |ec|ate|] upcr |ece|pt |r t|e case cl |arc ce||ve|], lacs|||e c| e-a||.
9. Iog|s|at|vo 6haogos: I||s pc||c], |rc|uc|r t|e p|e|us arc t|e uerel|ts urce| t|e pc||c], w||| ue suuject tc t|e
taes arc ct|e| statutc|] |ev|es as a] ue app||cau|e l|c t|e tc t|e. Ycu w||| ue |ecu||ec tc pa] se|v|ce ta,
ecucat|cr cess c| ar] ct|e| lc| cl taes c| c|a|es c| |ev|es as pe| t|e p|eva|||r |aws, |eu|at|crs arc ct|e|
l|rarc|a| eracterts as a] e|st l|c t|e tc t|e, w|e|eve| app||cau|e. /|| uerel|ts pa]au|e urce| t|e pc||c] a|e
suuject tc t|e ta |aws arc ct|e| l|rarc|a| eracterts as t|e] e|st l|c t|e tc t|e. /|| p|cv|s|crs statec |r t||s
|c||c] a|e suuject tc t|e cu||ert u|ce||res |ssuec u] t|e Reu|atc| as cr cate. /|| lutu|e u|ce||res t|at a] ue
|ssuec u] t|e Reu|atc| l|c t|e tc t|e w||| a|sc ue app||cau|e tc t||s |c||c].
10.Faymoot oI 6|a|m: Belc|e pa]ert cl ar] c|a| urce| t|e |c||c], t|e Ccpar] s|a|| |ecu||e t|e ce||ve|] cl t|e
c|||ra| cl t||s |c||c] cccuert t|e lc||cw|r cccuerts estau||s||r t|e |||t cl t|e c|a|art c| c|a|arts tc
|ece|ve pa]ert. 1. C|a|art's stateert, 2. Deat| ce|t|l|cate |ssuec u] t|e |cca| arc ec|ca| aut|c||t] |r case cl
ceat| c|a| 3. Vec|ca| ev|cerce |r case cl |ea|t| arc c|sau|||t] ||ce| c|a|s. 4. /r] ct|e| cccuerts c| |rlc|at|cr
as a] ue |ecu||ec u] t|e Ccpar] lc| p|ccess|r cl t|e c|a| ceperc|r cr t|e cause cl t|e c|a|.
I6I6I Fru 6ash ak - 20
Io th|s Fo||cy, tho |ovostmoot r|sk |o |ovostmoot portIo||o |s boroo by tho Fo||cyho|dor.
ur|cue |cert|l|cat|cr |uue| (u||} a||cttec u] |rsu|arce Reu|atc|] arc Deve|cpert /ut|c||t] (|RD/}.
IN: I6I6I Fru 6ash ak-20: 105|005V02
Acc|doot aod |sab|||ty oooI|t |dor: 105B001V01
Acc|doot oooI|t |dor: 105B012V01
6r|t|ca| I||ooss oooI|t |dor: 105B002V01
|C|C| ||u Cas|Ba| |s a l|ec te|, pa|t|c|pat|r erccwert |eu|a| pa] ||le |rsu|arce p|ar w|t| uerel|ts cl p|ctect|cr,
sav|rs arc pe||cc|c ||cu|c|t].
Froo|ook For|od (15 / 30 ca]s Relurc |c||c]}. |l ]cu a|e rct sat|sl|ec w|t| t|e te|s arc ccrc|t|crs cl t||s pc||c],
p|ease |etu|r t|e pc||c] cccuert tc t|e Ccpar] lc| carce||at|cr w|t||r 15 ca]s l|c t|e cate ]cu |ece|vec |t, |l
]cu| pc||c] |s rct scu|cec t||cu| D|starce a||et|r' 30 ca]s l|c t|e cate ]cu |ece|vec |t, |l ]cu| pc||c] |s scu|cec
t||cu| D|starce Va||et|r' 0r carce||at|cr cl t|e pc||c] cu||r t|e l|ee|cc| pe||cc, we w||| |etu|r t|e p|e|u pa|c
suuject tc t|e cecuct|cr cl. a} Stap cut] urce| t|e pc||c] b} Eperses uc|re u] t|e Ccpar] cr ec|ca|
ea|rat|cr, |l ar], I|e pc||c] w||| te||rate cr pa]ert cl t||s acurt arc a|| |||ts, uerel|ts arc |rte|ests urce| t||s
pc||c] w||| starc et|ru|s|ec. '|staoco Markot|og: D|starce a||et|r |rc|uces eve|] act|v|t] cl sc||c|tat|cr
(|rc|uc|r |eac ere|at|cr} arc sa|e cl |rsu|arce p|ccucts t||cu| t|e lc||cw|r cces. (|} Vc|ce cce, w||c|
|rc|uces te|ep|cre-ca|||r (||} S|c|t Vessa|r se|v|ce (SVS} (|||} E|ect|cr|c cce w||c| |rc|uces e-a||, |rte|ret
arc |rte|act|ve te|ev|s|cr (DI|} (|v} ||]s|ca| cce w||c| |rc|uces c||ect pcsta| a|| arc rewspape| c aat|re
|rse|ts arc (v} Sc||c|tat|cr t||cu| ar] ears cl ccur|cat|cr ct|e| t|ar |r pe|scr.
1. oooI|ts Fayab|o subjoct to tho po||cy bo|og |oIorco
Matur|ty / oath oooI|t: (1} I|e Su /ssu|ec as spec|l|ec |r t|e pc||c] ce|t|l|cate s|a|| ue pa]au|e tcet|e|
w|t| ua|arteec acc|t|crs arc vestec ucruses, |l ar], cr t|e ceat| cl t|e l|le /ssu|ec uelc|e t|e atu||t] cate cl
|c||c]. |r t|e evert cl t|e l|le /ssu|ec |av|r cptec lc| C||t|ca| |||ress Berel|t arc t|e sa|c uerel|t |as uecce
pa]au|e, t|e uerel|ts pa|c t|e|eurce| s|a|| ue ceeec tc ue t|e pa]ert cl t|e Deat| Berel|t |ele||ec tc aucve,
uptc t|e etert cl t|e Su /ssu|ec urce| t|e C||t|ca| |||ress Berel|ts. |c |||ts, |rte|ests arc c|a|s s|a|| erru|e
tc t|e l|le /ssu|ec c| ar] cre c|a||r t||cu| || |r |espect cl t||s |c||c] tc t|e etert cl C||t|ca| |||ress Su
/ssu|ec. |cweve|, w|e|e t|e Su /ssu|ec as s|cwr |r t|e |c||c] Ce|t|l|cate arc t|e Su /ssu|ec urce| t|e
C||t|ca| |||ress Berel|t |s ecu|va|ert t|e |c||c] s|a|| te||rate arc rc |||ts, |rte|ests arc c|a|s s|a|| erru|e tc t|e
l|le /ssu|ec c| ar] cre c|a||r t||cu| || |r |espect cl t|e |c||c]. (2} 0r t|e l|le /ssu|ec su|v|v|r t|e pe||ccs
ert|crec ue|cw, ccputec w|t| |ele|erce tc t|e Date cl Ccerceert cl |c||c] ert|crec |r |c||c]
Ce|t|l|cate, t|e cc||espcrc|r acurt ert|crec s|a|| ue pa]au|e. 0o I|Io Assurod surv|v|og a por|od oI 4 yrs:
10 acurt s|a|| ue pa]au|e ep|esses as pe|certae cl t|e Su /ssu|ec. 0o I|Io Assurod surv|v|og a por|od
oI 8 yrs: 15 acurt s|a|| ue pa]au|e ep|esses as pe|certae cl t|e Su /ssu|ec. 0o I|Io Assurod surv|v|og
a por|od oI 12 yrs: 20 acurt s|a|| ue pa]au|e ep|esses as pe|certae cl t|e Su /ssu|ec. 0o I|Io Assurod
surv|v|og a por|od oI 16 yrs: 25 acurt s|a|| ue pa]au|e ep|esses as pe|certae cl t|e Su /ssu|ec. 0o
I|Io Assurod surv|v|og a por|od oI 20 yrs |.o. Matur|ty ato oI po||cy: 50 acurt s|a|| ue pa]au|e
ep|esses as pe|certae cl t|e Su /ssu|ec. I|e ua|arteec acc|t|crs arc vestec ucruses, |l ar], s|a|| ue pa|c
a|cr w|t| t|e acurt ert|crec |r Cc|ur (2} cr t|e l|le /ssu|ec su|v|v|r t|e atu||t] cate cl |c||c].
8upp|omootary oooI|ts: /s spec|l|ec |r t|e /rreu|e arc a|e app||cau|e |l cptec lc|.
2. Faymoot oI prom|ums: (|} ||e|us a|e pa]au|e cr t|e cue cates arc at t|e |ate ert|crec |r t|e |c||c]
Ce|t|l|cate c| at suc| a|te|ec |ate as |s pa]au|e |r te|s cl Ccrc|t|cr 1 (||} cl t|e Cere|a| Ccrc|t|crs cl t||s |c||c]
Dccuert. |cweve|, a |ace pe||cc cl rct c|e t|ar 30 ca]s, w|e|e t|e cce cl pa]ert cl p|e|u |s ct|e|
t|ar crt||] arc rct c|e t|ar 15 ca]s |r t|e case cl crt||] cce |s a||cwec. I|e uerel|ts pa]au|e cr ceat| /
c||t|ca| |||ress urce| t||s |c||c] cu||r t|e |ace pe||cc w||| ue pa|c alte| cecuct|cr cl t|e p|e|u la|||r cue cu||r
t|e t|er cu||ert pc||c] ]ea|. (||} ||e|us a|e pa]au|e cr t|e cue cates ert|crec |r t|e |c||c] Ce|t|l|cate c| w|t||r
t|e |ace pe||cc a||cwec w|t|cut ar] cu||at|cr cr t|e Ccpar] tc rct|l] t|e l|le /ssu|ec / pc||c]|c|ce| cl t|e cue
cates. |l t|e p|e|us a|e rct pa|c cr t|e cue cates c| ever cu||r t|e |ace pe||cc, t|e |c||c] |apses arc rc
uerel|ts s|a|| ue pa]au|e t|e|eurce| ecept tc t|e etert |rc|catec |r ccrc|t|cr 3 ue|cw. (|||} Ycu a] pa] p|e|u
t||cu| ar] cl t|e lc||cw|r cces. a. Cas| b. C|ecue c. Dearc D|alt d. |a] 0|ce| o. Bar|e|'s c|ecue I. |rte|ret
lac|||t] as app|cvec u] t|e Ccpar] l|c t|e tc t|e g. E|ect|cr|c C|ea||r S]ste / D||ect Deu|t h. C|ec|t c| Deu|t
ca|cs |e|c |r ]cu| rae. 4o.| -1 o1-||-s z|| |- s.|-.| |o o. .|-s -1 -|-.-| |-)s|-|o o -).|-|o
|ct a||cwec lc| Vcrt||] cces.
3. Fa|d-up va|uo: |l p|e|us |ave ueer pa|c lc| at |east t||ee ccrsecut|ve ]ea|s arc ar] suusecuert p|e|u |as
rct ueer pa|c w|t||r t|e |ace pe||cc, t|e Su /ssu|ec urce| t||s |c||c] s|a|| starc |ecucec tc a pa|c-up su as
s|cwr |r t|e tau|e ue|cw, tc w||c| w||| ue accec t|e ua|arteec acc|t|crs arc vestec ucruses, |l ar], p|cv|cec
t|at suc| pa|c-up su tcet|e| w|t| t|e ua|arteec acc|t|crs arc vestec ucruses |s rct |ess t|ar l|ve |urc|ec
Rupees.
II prom|ums aro pa|d Ior 3 yrs: |a|cup assu|arce pe| t|cusarc S./. 390
II prom|ums aro pa|d Ior 4 yrs: |a|cup assu|arce pe| t|cusarc S./. 5c0'
II prom|ums aro pa|d Ior 5 yrs: |a|cup assu|arce pe| t|cusarc S./. 335
II prom|ums aro pa|d Ior 6 yrs: |a|cup assu|arce pe| t|cusarc S./. 180
II prom|ums aro pa|d Ior 7 yrs: |a|cup assu|arce pe| t|cusarc S./. c15
II prom|ums aro pa|d Ior 8 yrs: |a|cup assu|arce pe| t|cusarc S./. 710'
II prom|ums aro pa|d Ior 9 yrs: |a|cup assu|arce pe| t|cusarc S./. 110
II prom|ums aro pa|d Ior 10 yrs: |a|cup assu|arce pe| t|cusarc S./. 515
II prom|ums aro pa|d Ior 11 yrs: |a|cup assu|arce pe| t|cusarc S./. c15
II prom|ums aro pa|d Ior 12 yrs: |a|cup assu|arce pe| t|cusarc S./. 735'
II prom|ums aro pa|d Ior 13 yrs: |a|cup assu|arce pe| t|cusarc S./. 125
II prom|ums aro pa|d Ior 14 yrs: |a|cup assu|arce pe| t|cusarc S./. 500
II prom|ums aro pa|d Ior 15 yrs: |a|cup assu|arce pe| t|cusarc S./. 570
II prom|ums aro pa|d Ior 16 yrs: |a|cup assu|arce pe| t|cusarc S./. c35'
II prom|ums aro pa|d Ior 17 yrs: |a|cup assu|arce pe| t|cusarc S./. 315
II prom|ums aro pa|d Ior 18 yrs: |a|cup assu|arce pe| t|cusarc S./. 100
II prom|ums aro pa|d Ior 19 yrs: |a|cup assu|arce pe| t|cusarc S./. 150
' I||s pa|c-up va|ue Iau|e |s app||cau|e w|e|e t|e Su|v|va| Berel|t |as rct la||er cue at t|e erc cl t|e ]ea| spec|l|ec.
|cweve| |l Su|v|va| Berel|t |as la||er cue at t|e erc cl t|e spec|l|ec ]ea| t|e pa|c up va|ue s|a|| ue Rs.180,
Rs.330, Rs.350 arc Rs. 290 pe| t|cusarc Su /ssu|ec at t|e erc cl t|e 1t|, 8t|, 12t| arc 1ct| ]ea| |espect|ve|].
I|e pa|c-up |c||c] s|a|| rct ue a||ccatec ar] lu|t|e| ua|arteec acc|t|crs rc| pa|t|c|pate |r ar] lutu|e a||ccat|cr cl
p|cl|ts u] wa] cl ucruses. I|e |c||c] w||| ue ert|t|ec cr|] tc t|e pa|c-up Su tcet|e| w|t| t|e ua|arteec
acc|t|crs arc vestec ucruses, |l ar], cr t|e atu||t] cate cl |c||c] c| cr t|e p|ev|cus ceat| cl t|e l|le /ssu|ec. /
pa|c up |c||c] |s rct ert|t|ec tc ar] cl Supp|eerta|] Berel|ts ert|crec |r t|e /rreu|e. |c su|v|va| uerel|t w|||
uecce pa]au|e alte| t|e pc||c] |as accu||ec pa|c-up status.
4. uaraotood 8urroodor va|uo: |l p|e|us a|e pa|c lc| at |east t||ee ccrsecut|ve ]ea|s, t|e pc||c] accu||es a
Su||erce| Va|ue w||c| |s ecua| tc t|||t] l|ve pe|cert cl t|e p|e|us pa|c, ec|uc|r t|e p|e|us pa|c cu||r t|e
l||st ]ea| cl t|e pc||c], a|| et|a p|e|us pa|c arc t|e p|e|us pa|c lc| t|e supp|eerta|] uerel|ts. /r] su|v|va|
uerel|ts a||eac] pa|c w||| a|sc ue |ecucec l|c t||s va|ue. I|e cas| va|ue cl t|e ua|arteec acc|t|crs arc vestec
ucruses, |l ar], w||| a|sc ue a||cwec. I|e |c||c] w||c| |as accu||ec a Su||erce| Va|ue car ue su||erce|ec. I|e
su||erce| s|a|| et|ru|s| a|| t|e |||ts, uerel|ts arc |rte|ests urce| t|e |c||c].
5. ooora| Frov|s|oos: W|e|e t|e pc||c] |as ueer |ssuec cr t|e ||le cl a |rc|, t|e pc||c] w||| autcat|ca||] vest cr
Fo||cy ocumoot - Ie|s arc Ccrc|t|crs cl ]cu| pc||c]
11.E|octroo|c Iraosact|oos: I|e Custce| s|a|| ac|e|e tc arc ccp|] w|t| a|| suc| te|s arc ccrc|t|crs as t|e
Ccpar] a] p|esc||ue l|c t|e tc t|e, arc t|at a|| t|arsact|crs ellectec u] c| t||cu| lac|||t|es lc| ccrcuct|r
|ecte t|arsact|crs |rc|uc|r t|e |rte|ret, Wc||c W|ce Weu, e|ect|cr|c cata |rte|c|are, ca|| cert|es, te|ese|v|ce
cpe|at|crs (w|et|e| vc|ce, v|cec, cata c| ccu|rat|cr t|e|ecl} c| u] ears cl e|ect|cr|c, ccpute|, autcatec
ac||res retwc|| c| t||cu| ct|e| ears cl te|eccur|cat|cr, estau||s|ec u] c| cr ue|a|l cl t|e Ccpar], lc|
arc |r |espect cl t|e |c||c] c| |ts te|s, c| t|e Ccpar]s ct|e| p|ccucts arc se|v|ces, s|a|| ccrst|tute |ea||]
u|rc|r arc va||c t|arsact|crs w|er ccre |r ac|e|erce tc arc |r ccp||arce w|t| t|e Ccpar]s te|s arc
ccrc|t|crs lc| suc| lac|||t|es, as a] ue p|esc||uec l|c t|e tc t|e.
12.6ustomor 8orv|co: (a} For aoy c|ar|I|cat|oo or ass|staoco, t|e |c||c]|c|ce| a] ccrtact cu| acv|sc| c| ca||
cu| Custce| Se|v|ce Rep|esertat|ve (uetweer 9.00 a.. tc 9.00 p., Vcrca] tc Satu|ca], ec|uc|r rat|cra|
|c||ca]s} cr t|e ruue|s ert|crec cr t|e |eve|se cl t|e |c||c] |c|ce| c| cr cu| weus|te. www.|c|c|p|u||le.cc.
/|te|rat|ve|] t|e |c||c]|c|ce| a] ccur|cate w|t| us at t|e Custce| Se|v|ce Des| ceta||s ert|crec ea|||e|.
I|e Ccpar]'s weus|te ust ue c|ec|ec lc| t|e upcatec ccrtact ceta||s. (b} r|ovaoco odrossa| 0II|cor: |l
t|e |c||c]|c|ce| cces rct |ece|ve ar] |esc|ut|cr c| t|e |esc|ut|cr p|cv|cec cces |s rct sat|slactc|], t|e |c||c]|c|ce|
a] et |r tcuc| w|t| cu| ces|ratec C||evarce Rec|essa| 0ll|ce| (CR0}. |c| CR0 ccrtact ceta||s p|ease |ele| tc
t|e 'C||evarce Rec|essa|' sect|cr cr www.|c|c|p|u||le.cc. (c} 8oo|or r|ovaoco odrossa| 0II|cor: |l t|e
|c||c]|c|ce| cces rct |ece|ve ar] |esc|ut|cr c| t|e |esc|ut|cr p|cv|cec u] t|e CR0 |s rct sat|slactc|], t|e
|c||c]|c|ce| a] w||te tc cu| Ser|c| C||evarce Rec|essa| 0ll|ce| (SCR0}. |c| SCR0 ccrtact ceta||s p|ease |ele| tc
t|e 'C||evarce Rec|essa|' sect|cr cr www.|c|c|p|u||le.cc. (d} r|ovaoco odrossa| 6omm|ttoo: |r t|e evert
t|at ar] ccp|a|rt / ||evarce acc|essec tc t|e SCR0 |s rct |esc|vec, t|e |c||c]|c|ce| a] esca|ate t|e sae tc
t|e C||evarce Rec|essa| Cc|ttee at t|e acc|ess ert|crec ue|cw. |C|C| ||ucert|a| l|le |rsu|arce Ccpar]
l||tec, V|rcc S||| V|||s Ccpcurc, C|a||ava|t|] /s|c| Rcac, /s|c| |aa|, Karc|va|| (East}, Vuua| - 100 101.
(o} Iosuraoco 0mbudsmao: |. I|e Cert|a| Ccve|rert |as estau||s|ec ar cll|ce cl t|e |rsu|arce 0uucsar
lc| |ec|essa| cl ||evarces w|t| |espect tc ||le |rsu|arce pc||c|es. ||. /s pe| p|cv|s|cr 13(3} cl t|e Rec|essa| cl
|uu||c C||evarces Ru|es 1998, t|e ccp|a|rt tc t|e 0uucsar car ue ace cr|] |l. (1} I|e ||evarce |as ueer
|ejectec u] t|e C||evarce Rec|essa| Vac||re|] cl t|e |rsu|arce Ccpar] (2} W|t||r a pe||cc cl cre ]ea| l|c t|e
cate cl |eject|cr u] t|e |rsu|arce Ccpar] (3} |l ar] ct|e| Juc|c|a| aut|c||t] |as rct ueer app|cac|ec |||. |r case |l
t|e |c||c]|c|ce| |s rct sat|sl|ec w|t| t|e cec|s|cr / |esc|ut|cr cl t|e Ccpar], t|e |c||c]|c|ce| a] app|cac| t|e
|rsu|arce 0uucsar at t|e acc|ess |ver ue|cw |l t|e ||evarce pe|ta|rs tc ar] pa|t|a| c| tcta| |epuc|at|cr cl
c|a|s c| t|e p|e|u pa|c c| pa]au|e |r te|s cl t|e pc||c] ar] c|a| |e|atec c|spute cr t|e |ea| ccrst|uct|cr
cl t|e pc||c|es |r sc la| as suc| c|spute |e|ate tc c|a|s c| ce|a] |r sett|eert cl c|a|s rcr-|ssue cl pc||c]
cccuert tc custce|s alte| |ece|pt cl p|e|us |v. I|e ccp|a|rt tc t|e cll|ce cl t|e |rsu|arce 0uucsar
s|cu|c ue ace |r w||t|r cu|] s|rec u] t|e ccp|a|rart (|c||c]|c|ce|} c| u] ||s |ea| |e||s w|t| lu|| ceta||s cl t|e
ccp|a|rt arc t|e ccrtact |rlc|at|cr cl ccp|a|rart. C|ver ue|cw a|e ceta||s cl t|e cuucsar cll|ce
ccrs|ce||r acc|ess cl t|e |c||c]|c|ce| ert|crec |r t|e app||cat|cr lc|. I|e |rsu|arce Reu|atc|] arc
Deve|cpert /ut|c||t]'s c| t|e Ccpar]'s weus|te ust ue c|ec|ec lc| t|e upcatec ccrtact ceta||s.
rc
1. Ahmodabad 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, 2 ||cc|, /u|ca |cuse, ||. C.u. S|a| Cc||ee,
/s||a Rcac, /|VED/B/D-380 011. Jur|sd|ct|oo: State cl Cuja|at, uI cl Dac|a c |aa| |ave||, Daar arc D|u.
Ie|. 079- 2751c810, |a. 079-2751c112, E-a||. |rs.cu_|ec|lla||.cc
rc
2. hopa| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, Jara| V||a| Ccp|e, 2 ||cc|, c, Va|v|]a |aa|, 0pp.
/||te|, |ea| |ew Va||et, B|0|/l (V.|.}-1c2 023. Jur|sd|ct|oo: States cl Vac|]a ||aces| arc C|att|sa||.
Ie|. 0755-25c9201, |a. 0755-27c9203, E-a||. u|a|c|pa|u|cpa|_a||te|a||.|r
3. hubooshwar 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, c2, |c|est |a||, B|uB/|ES|W/R-751 009.
Jur|sd|ct|oo: State cl 0|||sa. Ie|. 0c71-259c155, |a. 0c71-259c129, E-a||. |ccuus|_catacre.|r
rc
4. 6haod|garh 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, S.C.0. |c.101-103, 2 ||cc|, Bat|a Bu||c|r.
Sectc| 17-D, C|/|D|C/R|-1c0 017. Jur|sd|ct|oo: States cl |urjau, |a|]ara, ||ac|a| ||aces|, Jau c
Kas|||, uI cl C|arc|a||. Ie|. 0172-270c1c8, |a. 0172-2708271, E-a||. cuc|c_]a|cc.cc.|r
t|
5. 6hoooa| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, |at||a /||ta| Ccu|t, 1 ||cc|, 153 (c|c 312}, /rra
Sa|a|, Ie]rapet, C|E||/|-c00 018. Jur|sd|ct|oo: State cl Ia|| |acu, uI|crc|c|e||] Icwr arc Ka|a||a|
(w|| c| a|e pa|t cl uI cl |crc| c|e||]}. Ie| . 011-21333cc8 /5281, |a. 011-21333cc1,
E-a||. |rscuuc_c1.vsr|.ret.|r
6. Now o|h| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, 2/2 /, ur|ve|sa| |rsu|arce B|c., /sal /|| Rcac,
|EW DEl||-110 002. Jur|sd|ct|oo: States cl De||| arc Rajast|ar. Ie|. 011-23239c33, |a. 011-23230858,
E-a||. |cuce||aj_|ec|lla||.cc
t|
7. uwahat| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, 'Jeevar ||ves|', 5 ||cc|, |ea| |aruata|
0ve|u||ce, S.S. Rcac, CuW/|/I|-781 001 (/SS/V}. Jur|sd|ct|oo: States cl /ssa, Ve|a|a]a, Var|pu|,
V|tc|a, /|urac|a| ||aces|, |aa|arc arc I||pu|a. Ie|. 03c1-2132201/5, |a. 03c1-2732937,
E-a||. cuucsar|]_|ec|lla||.cc
st
8. hydorabad 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, c-2-1c, 1 ||cc|, Vc|r Ccu|t, /.C. Cua|cs, la|c|-
Ka-|cc|, |YDER/B/D-500 001. Jur|sd|ct|oo: States cl /rc||a ||aces|, Ka|rata|a arc uI cl Yara a pa|t cl
t|e uI cl |crc|c|e||]. Ie|. 010-c5501123, |a. 010-2337c599, E-a||. |rscuuc|]c_a||.cc
rc
9. koch| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, 2 ||cc|, CC 27/2c03, |u||rat B|c., 0pp. Ccc||r
S||p]a|c, V.C. Rcac, ER|/Kul/V-c82 015. Jur|sd|ct|oo: State cl Ke|a|a, uI cl (a} la|s|acweep, (u} Va|e a
pa|t cl uI cl |crc|c|e||]. Ie|. 0181-23587591, |a. 0181-235933c, E-a||. |c|cc||_as|aret|rc|a.cc
t|
10. ko|kata 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, ||rcustar B|c. /rree, 1, C||tta|arjar /verue, 1
||cc|, K0lK/I/ - 700 072. Jur|sd|ct|oo: States cl West Bera|, B||a|, S||||, J|a|||arc arc ur|cr Ie|||tc||es cl
/rcaar arc ||ccua| |s|arcs. Ie|. 033-2212131c/22121339, |a. 033-22121311, E-a||.|cusupa_usr|.|r
t|
11. Iuckoow 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, Jeevar B|awar, ||ase-2, c ||cc|, |awa| K|s|c|e
Rcac, |ata|atarj, luCK|0W-22c 001. Jur|sd|ct|oo: State cl utta| ||aces| arc utta|arc|a|.
Ie|. 0522 -2231331, |a. 0522-2231310, E-a||. |rscuucsar_|ec|lla||.cc
|c
12. Mumba| 6ootro: 0ll|ce cl t|e |rsu|arce 0uucsar, 3 ||cc|, Jeevar Seva /rree, S.V. Rcac,
Sartac|ut(W}, VuVB/|-100 051. Jur|sd|ct|oo: States cl Va|a|as|t|a arc Cca. Ie|. 022-2c10c928,
|a. 022-2c10c052, E-a||. cuucsaruua|_a||.cc
ANNEkE
8upp|omootary oooI|ts app||cab|o |I optod Ior
A Acc|doot aod |sab|||ty oooI|t: (I} Acc|doot oooI|t: Suuject tc t|e ccrc|t|crs set cut ue|cw, |l w|||st t|e
pc||c] |s |r lc|ce lc| t|e lu|| Su /ssu|ec, t|e l|le /ssu|ec |s |rvc|vec |r ar acc|cert, at ar] t|e uelc|e t|e ep||]
cl t|e pe||cc lc| w||c| p|e|us a|e pa]au|e c| uelc|e t|e pc||c] arr|ve|sa|] cr w||c| ||s ae rea|e| u||t|ca] |s
c5,w||c|eve| |s ea|||e|, |esu|t|r |r ||s ceat| t|e Ccpar] a|ees tc pa] t|e pe|scr / s tc w|c t|e uerel|ts a|e
pa]au|e urce| t|e |c||c] ar acc|t|cra| acurt ecua| tc t|e /cc|cert arc D|sau|||t] Berel|t Su /ssu|ec
(|e|e|ralte| |ele||ec tc as 'acc|certa| ccve|'} urce| t||s supp|eerta|] uerel|t. |r t|e evert cl suc| ceat|
cccu|||r w|||e t|e l|le /ssu|ec |s us|r, as a la|e pa]|r passere|, aut|c||sec puu||c ass su|lace t|arspc|t
rae|] uus c| t|a|r, cpe|at|r urce| te|s cl suc| aut|c||sat|cr, t|e acc|t|cra| acurt pa]au|e urce| t||s uerel|t
s|a|| ue er|arcec tc tw|ce t|e acurt cl acc|certa| ccve| urce| t||s supp|eerta|] uerel|t. I|e ccrc|t|crs
suuject tc w||c| t||s uerel|t |s pa]au|e, a|e. (a} t|e ceat| cue tc acc|cert ust ue causec u] v|c|ert, ete|ra| arc
v|s|u|e ears, (b} t|e ceat| cue tc acc|cert |s rct causec. |} u] atteptec su|c|ce c| se|l |rl||ctec |rju||es w|||e
sare c| |rsare, c| w|||st t|e l|le /ssu|ec |s urce| t|e |rl|uerce cl ar] ra|cct|c suustarce c| c|u c| |rtc|cat|r
||cuc|, c| ||} u] era|r |r ae||a| l|||ts (|rc|uc|r pa|ac|ut|r arc s|]c|v|r} ct|e| t|ar as a la|e pa]|r passere|
cr a ||cersec passere|-ca||]|r cce|c|a| a||c|alt (ue|r a u|t|-er|rec a||c|alt} cpe|at|r cr a |eu|a|
sc|ecu|ec |cute, c| |||} u] t|e l|le /ssu|ec cc|tt|r ar] u|eac| cl |aw, c| |v} cue tc wa|, w|et|e| cec|a|ec c| rct
c| c|v|| ccct|cr, c| v} u] era|r |r |ata|ccus spc|ts / past|es, |.e. ta||r pa|t |r (c| p|act|s|r lc|} uc|r,
cav|r, c||u|r, |c|se |ac|r, jet s|||r, a|t|a| a|ts, curta|ree||r, cll p|ste s|||r, pct |c||r, pcwe| ucat
|ac|r, urce|wate| c|v|r, ]ac|t |ac|r c| ar] |ace, t||a| c| t|ec ctc| spc|t. (c} t|e acc|cert s|a|| |esu|t |r ucc||]
|rju|] c| |rju||es tc t|e l|le /ssu|ec |rcepercert|] cl ar] ct|e| ears, (d} suc| |rju|] c| |rju||es s|a||, w|t||r 180
ca]s cl |t's cccu||erce, c||ect|] arc |rcepercert|] cl ar] ct|e| ears cause t|e ceat| cl t|e l|le /ssu|ec, arc
(o} t|e ceat| cl t|e l|le /ssu|ec s|a|| cccu| uelc|e t|e ep||] cl t|e pe||cc lc| w||c| p|e|us a|e pa]au|e c| uelc|e
t|e pc||c] arr|ve|sa|] cr w||c| ||s ae rea|e| u||t|ca] |s c5, w||c|eve| |s ea|||e|, |cweve|, |l t|e pe||cc cl 180
ca]s l|c t|e cccu||erce cl t|e acc|cert |s cu||ert cr t|e pc||c] arr|ve|sa|] cr w||c| t|e l|le /ssu|ec atta|rs ae
c5 rea|e| u||t|ca], t|e acc|certa| ccve| s|a|| ue pa]au|e cr ceat| cu||r t|at pe||cc. II. |sab|||ty oooI|t:
Suuject tc t|e ccrc|t|crs set cut ue|cw, |l w|||st t|e pc||c] |s |r lc|ce lc| t|e lu|| Su /ssu|ec, t|e l|le /ssu|ec |s
|rvc|vec |r ar acc|cert, at ar] t|e uelc|e t|e ep||] cl t|e pe||cc lc| w||c| p|e|us a|e pa]au|e c| uelc|e t|e
pc||c] arr|ve|sa|] cr w||c| ||s ae rea|e| u||t|ca] |s c5,w||c|eve| |s ea|||e|, |esu|t|r |r ||s tcta| arc pe|arert
c|sau|eert, w||c| w||| c|sau|e || tc wc|| c| lc||cw ar] cccupat|cr c| p|cless|cr, t|er w|t| ellect l|c arc
|rc|uc|r t|e cate cl suc| c|sau|||t] ( |e|e|ralte| ca||ec 'D|sau|||t] Date' } t|e Ccpar] a|ees tc p|cv|ce t|e
lc||cw|r uerel|t. 1. Ccerc|r l|c t|e l||st arr|ve|sa|] cl t|e D|sau|||t] Date arc cr eac| arr|ve|sa|]
t|e|ealte| pa] |r ter arrua| |rsta||erts,eac| ecua| tc cre-tert| cl t|e acurt cl acc|certa| ccve| urce| t||s
Supp|eerta|] Berel|t. |r evert cl t|e pc||c] |esu|t|r |r a c|a| uelc|e t|e |ece|pt u] t|e l|le /ssu|ec cl t|e |ast
suc| |rsta||ert, t|er t|e |rsta||erts |ea|r|r urpa|c s|a|| uecce pa]au|e a|cr w|t| t|e c|a|. 2. I|e
p|e|us la|||r cue cr c| alte| t|e c|sau|||t] cate |r |espect cl t|e Su /ssu|ec urce| t|e uas|c p|ar ecua| tc t|e
acc|certa| ccve| arc rct eceec|r Rs 10,00,000/-, s|a|| ue wa|vec. I|e ua|arce acurt cl p|e|u, |l ar], s|a||
ue ccrt|ruec tc ue pa]au|e. 3. I|e ccrc|t|crs suuject tc w||c| t|e uerel|ts a|e pa]au|e, a|e. (a} t|e c|sau|||t] ust
ue causec u] v|c|ert, ete|ra| arc v|s|u|e ears, (b} t|e c|sau|||t] |s rct causec, |} u] atteptec su|c|ce c| se|l
|rl||ctec |rju||es w|||e sare c| |rsare, c| w|||st t|e l|le /ssu|ec |s urce| t|e |rl|uerce cl ar] ra|cct|c suustarce c|
c|u c| |rtc|cat|r ||cuc|, c| ||} u] era|r |r ae||a| l|||ts ( |rc|uc|r pa|ac|ut|r arc s|]c|v|r} ct|e| t|ar as a
la|e pa]|r passere| cr a ||cersec passere|-ca||]|r cce|c|a| a||c|alt cpe|at|r (ue|r a u|t| er|rec
a||c|alt} cr a |eu|a| sc|ecu|ec |cute, c| |||} u] t|e l|le /ssu|ec cc|tt|r ar] u|eac| cl |aw. c| |v} cue tc wa|,
w|et|e| cec|a|ec c| rct c| c|v|| ccct|cr .c| v} u] era|r |r |ata|ccus spc|ts / past|es, |.e. ta||r pa|t |r (c|
p|act|s|r lc|} uc|r, cav|r, c||u|r, |c|se |ac|r, jet s|||r, a|t|a| a|ts, curta|ree||r, cll p|ste s|||r, pct
|c||r, pcwe| ucat |ac|r, urce|wate| c|v|r, ]ac|t |ac|r c| ar] |ace, t||a| c| t|ec ctc| spc|t. (c} |l t|e|e a|e ar]
ct|e| uerel|ts pa]au|e urce| t||s supp|eerta|] uerel|t, t|er a|| suc| uerel|ts s|a|| cease tc ue ava||au|e cr arc
alte| t|e D|sau|||t] Date. (d} I|e D|sau|||t] ust |esu|t w|t||r 180 ca]s l|c t|e cate cl cccu||erce cl t|e acc|cert.
(o} W||tter rct|ce cl ar] c|a| lc| t|e uerel|t s|a|| ue se|vec cr t|e Ccpar] w|t||r 120 ca]s cl t|e D|sau|||t] Date
arc t|e ac|ss|cr cl ar] c|a| lc| D|sau|||t] Berel|t w||| ue suuject tc suc| p|ccl (at t|e eperse cl t|e l|le
/ssu|ec}, as t|e Ccpar] a] |eascrau|] |ecu||e, t|at t|e l|le /ssu|ec |as uecce tcta||] arc pe|arert|]
c|sau|ec. Suc| p|ccl s|a|| ue lu|r|s|ec tc t|e Ccpar] a|cr w|t| t|e suu|ss|cr cl t|e rct|ce cl t|e c|sau|||t].
(I} I|e Ccpar] |ese|ves t|e |||t tc ca|| lc| suc| ec|ca| ea|rat|crs as t|e] a] |ecu||e arc lc| t||s pu|pcse,
a] acv|ce t|e l|le /ssu|ec tc suu|t ||se|l tc cre c| c|e ec|ca| ea|rat|crs ccrcuctec u] ec|ca|
p|act|t|cre| / s appc|rtec u] t|e Ccpar], t|e ccst cl w||c| s|a|| ue uc|re u] t|e ccpar]. (g} I|e pa]ert cl t|e
D|sau|||t] Berel|t arc t|e ccrt|ruat|cr t|e|ecl s|a|| ue suuject tc suc| p|ccl, as t|e Ccpar] a] |ecu||e, t|at t|e
l|le /ssu|ec |as ueer tcta||] arc pe|arert|] c|sau|ec arc |as ccrt|ruec tc ue tcta||] arc pe|arert|] c|sau|ec. |l
suc| p|ccl |s rct lu|r|s|ec c| |l t|e l|le /ssu|ec s|a|| |eluse c| la|| tc suu|t lc| ec|ca| ea|rat|cr / s w|er
|ecu||ec tc cc sc, c| |l at ar] t|e t|e Ccpar] |s sat|sl|ec t|at a c|a| lc| uerel|t urce| t||s c|ause |as ueer
w|cr|] ac|ttec, t|e l|le /ssu|ec s|a|| ue ceeec tc |ave ceasec tc ue tcta||] arc pe|arert|] c|sau|ec
|ec|ate|] l|c t|e cate cr w||c| t|e Ccpar] |as |ecuestec lc| t|e supp|] cl suc| p|ccl c| suu|ss|cr tc
ec|ca| ea|rat|cr/s c|, as t|e case a] ue, l|c t|e cate cr w||c| t|e l|le /ssu|ec |s ccur|catec cl
w|crlu| ac|ss|cr cl t|e c|a|, arc t|e|ealte| t|e pc||c] s|a|| ccrt|rue urce| suc| te|s arc ccrc|t|crs as t|e
Ccpar] a] cec|ce. |c| t|e pu|pcse cl t||s uerel|t, a pe|scr s|a|| cr|] ue |ea|cec as 'Icta||] arc |e|arert|]
D|sau|ec' |l t|at pe|scr, cue tc acc|cert c| |rju|] |as sulle|ec a |css suc| as. t|e |css u] p|]s|ca| sepa|at|cr cl twc
||us c| t|e ccp|ete arc |||eec|au|e |css cl s||t |r uct| e]es c| t|e |css u] p|]s|ca| sepa|at|cr cl cre ||u
acccpar|ec u] t|e ccp|ete arc |||eec|au|e |css cl s||t |r cre e]e (w|e|e ||u ears ar ert||e |arc c| lcct},
c| |as ueer ccrt|rucus|] c|sau|ec lc| a pe||cc cl s| ccrsecut|ve crt|s arc |as ueer cete||rec u] t|e
Ccpar], alte| ccrs|ce|at|cr cl t|e |epc|ts arc ct|e| |rlc|at|cr supp||ec u] t|e Ccpar]'s cwr ec|ca|
p|act|t|cre|, appc|rtec tc ea|re t|at pe|scr, tc ue |rcapac|tatec tc suc| ar etert as tc |erce| t|at pe|scr
ur|||e|] eve| tc |esue wc|| c| tc atterc ar] a|rlu| ep|c]ert c| cccupat|cr.
Acc|doot oooI|t |dor: Suuject tc t|e ccrc|t|crs set cut ue|cw, |l w|||st t|e pc||c] |s |r lc|ce lc| t|e lu|| Su
/ssu|ec, t|e l|le /ssu|ec |s |rvc|vec |r ar acc|cert, at ar] t|e uelc|e t|e ep||] cl t|e pe||cc lc| w||c| p|e|us
a|e pa]au|e c| uelc|e t|e pc||c] arr|ve|sa|] cr w||c| ||s ae rea|e| u||t|ca] |s c5, w||c|eve| |s ea|||e|, |esu|t|r |r
||s ceat| t|e Ccpar] a|ees tc pa] t|e pe|scr/s tc w|c t|e uerel|ts a|e pa]au|e urce| t|e |c||c] ar acc|t|cra|
acurt ecua| tc t|e /cc|cert Berel|t R|ce| Su /ssu|ec (|e|e|ralte| |ele||ec tc as 'acc|certa| ceat| ccve|'}
urce| t||s supp|eerta|] uerel|t . I|e ccrc|t|crs suuject tc w||c| t||s uerel|t |s pa]au|e, a|e. (a} t|e ceat| cue tc
acc|cert ust ue causec u] v|c|ert, ete|ra| arc v|s|u|e ears, (b} t|e ceat| cue tc acc|cert |s rct causec. |. u]
atteptec su|c|ce c| se|l |rl||ctec |rju||es w|||e sare c| |rsare, c| w|||st t|e l|le /ssu|ec |s urce| t|e |rl|uerce cl
ar] ra|cct|c suustarce c| c|u c| |rtc|cat|r ||cuc|, c| ||. u] era|r |r ae||a| l|||ts ( |rc|uc|r pa|ac|ut|r arc
s|]c|v|r} ct|e| t|ar as a la|e pa]|r passere| cr a ||cersec passere|-ca||]|r cce|c|a| a||c|alt (ue|r a
u|t|-er|rec a||c|alt} cpe|at|r cr a |eu|a| sc|ecu|ec |cute, c| |||. u] t|e l|le /ssu|ec cc|tt|r ar] u|eac| cl
|aw, c| |v. cue tc wa|, w|et|e| cec|a|ec c| rct c| c|v|| ccct|cr, c| v. u] era|r |r |ata|ccus spc|ts / past|es,
|.e. ta||r pa|t |r (c| p|act|s|r lc|} uc|r, cav|r, c||u|r, |c|se |ac|r, jet s|||r, a|t|a| a|ts, curta|ree||r, cll
p|ste s|||r, pct |c||r, pcwe| ucat |ac|r, urce|wate| c|v|r, ]ac|t |ac|r c| ar] |ace, t||a| c| t|ec ctc| spc|t.
(c} t|e acc|cert s|a|| |esu|t |r ucc||] |rju|] c| |rju||es tc t|e l|le /ssu|ec |rcepercert|] cl ar] ct|e| ears, (d} suc|
|rju|] c| |rju||es s|a||, w|t||r 180 ca]s cl |t's cccu||erce, c||ect|] arc |rcepercert|] cl ar] ct|e| ears cause t|e
ceat| cl t|e l|le /ssu|ec, arc (o} t|e ceat| cl t|e l|le /ssu|ec s|a|| cccu| uelc|e t|e ep||] cl t|e pe||cc lc| w||c|
p|e|us a|e pa]au|e c| uelc|e t|e pc||c] arr|ve|sa|] cr w||c| ||s ae rea|e| u||t|ca] |s c5, w||c|eve| |s ea|||e|,
|cweve|, |l t|e pe||cc cl 180 ca]s l|c t|e cccu||erce cl t|e acc|cert |s cu||ert cr t|e pc||c] arr|ve|sa|] cr w||c|
t|e l|le /ssu|ec atta|rs ae c5 rea|e| u||t|ca], t|e acc|certa| ceat| ccve| s|a|| ue pa]au|e cr ceat| cu||r t|at
pe||cc.
6 6r|t|ca| I||ooss oooI|t : ||cv|cec t|e pc||c] |s |r lc|ce lc| t|e lu|| Su /ssu|ec, t|e l|le /ssu|ec |s c|arcsec tc ue
sulle||r l|c a C||t|ca| |||ress (as cel|rec ue|cw } alte| s| crt|s l|c t|e Date cl |ssue cl |c||c] uut uelc|e t|e
pc||c] arr|ve|sa|] cr w||c| |e atta|rs t|e ae c5 ]ea|s rea|e| u||t|ca], c| uelc|e t|e ep||] cl t|e pe||cc lc| w||c|
t|e p|e|us a|e pa]au|e, w||c|eve| |s ea|||e|, t|e Su /ssu|ec urce| t||s |c||c] s|a|| la|| tc ue pa|c tcet|e| w|t|
ua|arteec acc|t|crs arc ucruses vestec t||| t|er, suuject tc ccrc|t|crs set cut ue|cw .
(1} Iho boooI|t sha|| oot bo payab|o |o rospoct oI aoy |||ooss othor thao thoso doI|ood as 6r|t|ca| I||ooss,
oor sha|| |t app|y or bo payab|o |o rospoct oI aoy oI thoso sa|d |||oossos tho symptoms oI wh|ch havo
occurrod or wh|ch has booo d|agoosod or Ior wh|ch tho |osurod porsoo roco|vod troatmoot, pr|or to
po||cy |ssuo dato or dur|og tho I|rst 6 mooths Irom tho dato oI |ssuo oI po||cy or dur|og tho I|rst 6 mooths
Irom tho dato oI commoocomoot oI th|s r|dor.
(2} Iho 6r|t|ca| I||ooss sha|| oot havo booo causod by tho ox|stooco oI Acqu|rod Immuoo oI|c|oocy
8yodromo or tho prosooco oI aoy humao Immuoo-doI|c|oocy v|rus IoIoct|oo |o tho porsoo oI tho I|Io
Assurod, so|I |oI||ctod |ojury, drug abuso, Ia||uro to Io||ow mod|ca| adv|co, war, whothor doc|arod or
oot aod c|v|| commot|oo, progoaocy, broach oI |aw, av|at|oo othor thao as a Iaro pay|og passoogor |o a
commorc|a| ||coocod a|rcraIt (bo|og a mu|t|-oog|ood a|rcraIt}, hazardous sports aod past|mos,
(3} Wr|ttoo Not|co oI aoy c|a|m Ior tho boooI|t must bo g|voo to tho 6ompaoy w|th|o 60 days oI such
d|agoos|s.
(4} Iho adm|ss|oo oI aoy c|a|m Ior th|s boooI|t w||| bo subjoct to sat|sIactory prooI that
(5} 0o tho paymoot oI tho 8um Assurod uodor tho 6r|t|ca| I||ooss oooI|t togothor w|th guaraotood
add|t|oos aod tho vostod boousos |I aoy, but subjoct to aoy c|a|m tho 6ompaoy may havo |o rospoct oI
tho moooys payab|o uodor tho po||cy, tho cootract as ov|doocod by tho Fo||cy, sha|| bo doomod to havo
booo d|schargod to tho oxtoot oI tho 8um Assurod uodor th|s boooI|t. No r|ghts, |otorosts or c|a|ms
sha|| ooouro to tho I|Io Assurod or aoyooo c|a|m|og through h|m |o rospoct oI tho 8um Assurod uodor
6r|t|ca| I||ooss boooI|t so d|schargod, howovor, whoro tho 8um Assurod as showo |o tho Fo||cy
6ort|I|cato aod tho 8um Assurod uodor tho 6r|t|ca| I||ooss oooI|t |s oqu|va|oot tho Fo||cy sha||
torm|oato aod oo r|ghts, |otorosts aod c|a|ms sha|| ooouro to tho I|Io Assurod or aoy ooo c|a|m|og h|m
|o rospoct oI tho Fo||cy.
(6} Iho boooI|t sha|| automat|ca||y coaso to bo ava||ab|o whoo tho po||cy |s surroodorod Ior cash or
coovortod |oto a pa|d-up po||cy Ior a roducod 8um Assurod,
(7} Iho max|mum aggrogato oI 6r|t|ca| I||ooss oooI|t graotod by tho 6ompaoy uodor th|s aod a|| tho
othor po||c|os oI tho I|Io Assurod sha|| oot oxcood s 10,00,000/- (upoos too |akhs}
Noto 1: / 'C||t|ca| |||ress' s|a|| ear ar]cre cl t|e lc||cw|r |||resses as cel|rec sepa|ate|] |e|eurce| cccu|||r
alte| c crt|s l|c t|e cate cl |ssue cl pc||c].
(a} 6aocor: / a||rart tucu| c|a|acte||tec u] urccrt|c||ec |cwt| arc sp|eac cl a||rart ce||s arc t|e
|rvas|cr cl t|ssue. I|e c|arcs|s ust ue ||stc|c|ca||] ccrl||ec. I|e te| Carce| |rc|uces leu|ae|a uut
ec|uces t|e lc||cw|r, (|} /|| tucu|s w||c| a|e ||stc|c|ca||] cesc||uec as p|e-a||rart, rcr-|rvas|ve c|
ca|c|rca |r s|tu, (||} /|| lc|s cl |]p|ca |r p|eserce cl ar] |uar |urc-cel|c|erc] V||us, (|||} Kapcs|'s
Sa|cca |r t|e p|eserce cl ar] |uar |urc-cel|c|erc] v||us, (|v} /r] S||r Carce| ct|e| t|ar |rvas|ve
a||rart e|arca, arc (v} Ea||] ||cstate Carce| w||c| |s ||stc|c|ca||] cesc||uec as I1 (|rc|uc|r I1a arc I1u }
c| arct|e| ecu|va|ert c| |esse| c|ass|l|cat|cr.
(b} 6orooary Artory y-Fass raIt 8urgory (6A8}: t|e urce|c|r cl cper |ea|t su|e|] cr t|e acv|ce cl a
Ccrsu|tart Ca|c|c|c|st tc cc||ect ra||cw|r c| u|cc|ae cl cre c| c|e cc|cra|] a|te||es w|t| u]-pass |alts,
/r|c|ap||c ev|cerce tc suppc|t t|e recess|t] cl t|e su|e|] w||| ue |ecu||ec. Ba||ccr ar|cp|ast], |ase| c| ar]
cat|ete|-uasec p|ccecu|es a|e rct ccve|ec.
(c} hoart attack: I|e ceat| cl a pc|t|cr cl |ea|t usc|e as a |esu|t cl |racecuate u|ccc supp|] as ev|cercec u] ar
ep|scce cl t]p|ca| c|est pa|r, rew e|ect|cca|c|c|ap||c c|ares arc u] e|evat|cr cl t|e ca|c|ac ert]es.
D|arcs|s ust ue ccrl||ec u] a ccrsu|tart p|]s|c|ar.
(d} k|dooy Ia||uro: Erc stae |era| la||u|e p|esert|r as c||cr|c |||eve|s|u|e la||u|e cl uct| ||cre]s tc lurct|cr, as
a |esu|t cl w||c| e|t|e| |eu|a| |era| c|a|]s|s c| |era| t|arsp|art |s urce|ta|er. Ev|cerce cl erc stae ||cre] c|sease
ust ue p|cv|cec arc t|e |ecu||eert lc| c|a|]s|s c| t|arsp|artat|cr ust ue ccrl||ec u] a ccrsu|tart p|]s|c|ar.
(o} Major 0rgao Iraosp|aot: I|e actua| urce|c|r as a |ec|p|ert cl a t|arsp|art cl |ea|t, ||ve|, |ur, parc|eas
c| ucre a||cw as a |esu|t cl c||cr|c |||eve|s|u|e la||u|e. Ev|cerce cl erc stae c|sease ust ue p|cv|cec arc t|e
|ecu||eert lc| t|arsp|artat|cr ust ue ccrl||ec u] a ccrsu|tart p|]s|c|ar.
(I} 8troko: / ce|eu|cvascu|a| |rc|cert |esu|t|r |r pe|arert reu|c|c|ca| caae. I|ars|ert |sc|ae|c attac|s
a|e spec|l|ca||] ec|ucec.
(g} Fara|ys|s: Ccp|ete arc pe|arert |css cl t|e use cl twc c| c|e ||us as a |esu|t cl |rju|] c| c|sease cl t|e
u|a|r c| sp|ra| cc|c. Ic estau||s| pe|arerce t|e pa|a|]s|s ust rc|a||] |ave pe|s|stec lc| at |east c crt|s.
(h} Aorta-surgory: I|e actua| urce|c|r cl su|e|] (|rc|uc|r |e]-|c|e t]pe} lc| a c|sease c| |rju|] cl t|e ac|ta
reec|r ec|s|cr arc su||ca| |ep|aceert cl t|e c|seasec pa|t cl t|e ac|ta w|t| a |alt
(|} hoart va|vo rop|acomoot / surgory: I|e urce|c|r cl cper |ea|t su|e|], cr t|e acv|ce cl a ccrsu|tart
ca|c|c|c|st, tc |ep|ace c| |epa|| cre c| c|e |ea|t va|ves
Noto 2: 'D|arcs|s' s|a|| ear c|arcs|s ace u] a p|]s|c|ar uasec cr suc| spec|l|c ev|cerce as |ele||ec tc |r
t|e cel|r|t|cr cl t|e pa|t|cu|a| C||t|ca| |||ress ccrce|rec c|, |r t|e auserce cl suc| spec|l|ec |ele|erce, uasec upcr
|ac|c|c|ca|, c||r|ca|, ||stc|c|ca| c| |auc|atc|] tests acceptau|e tc t|e Ccpar]. |r evert cl ar] ccuut |ea|c|r t|e
app|cp||ateress c| cc||ectress cl t|e c|arcs|s, t|e Ccpar] s|a|| |ave t|e |||t tc ca|| lc| ar ea|rat|cr cl t|e
l|le /ssu|ec cr t|e ev|cerce usec |r a|||v|r at suc| c|arcs|s, u] a Vec|ca| Spec|a||st appc|rtec u] t|e Ccpar]
arc t|e cp|r|cr cl suc| spec|a||st as tc suc| c|arcs|s s|a|| ue ccrs|ce|ec u|rc|r cr uct| t|e l|le /ssu|ec arc t|e
Ccpar]. '||]s|c|ar' s|a|| ear ar] pe|scr |e|ste|ec w|t| t|e |rc|ar Vec|ca| Ccurc|| tc |erce| ec|ca| c|
su||ca| se|v|ces, uut ec|uc|r a pe|scr w|c |s t|e l|le /ssu|ec ||se|l c| a u|ccc |e|at|ve cl t|e l|le /ssu|ec.
From|um ov|ow: I|e p|e|u lc| t||s uerel|t |s ua|arteec lc| l|ve ]ea|s cr|] l|c t|e cate cl ccerceert
cl |c||c]. I|e Ccpar] |ese|ves t|e |||t tc ca||] cut a ere|a| |ev|ew cl t|e epe||erce l|c t|e tc t|e arc
c|are t|e p|e|u as a |esu|t cl suc| |ev|ew. I|e Ccpar] w||| |ve rct|ce |r w||t|r aucut t|e c|are arc t|e
l|le /ssu|ec w||| |ave t|e cpt|cr rct tc pa] ar] |rc|easec p|e|u. |r suc| a case t|e uerel|t w||| ue app|cp||ate|]
|ecucec l|c t|e ellect|ve cate cl t|e c|are |r p|e|u arc t|e Ccpar] w||| acv|se t|e l|le /ssu|ec
accc|c|r|].
"Iho po||cy sha|| bo subjoct to aod bo govorood by th|s po||cy documoot aod tho torms aod cood|t|oos
oI tho schodu|o ooc|osod horow|th |oc|ud|og ovory oodorsomoot by tho 6ompaoy aod sha|| togothor
Iorm a s|og|o cootract" (A02: vor 14}
C
c

/

W
K
/

C
B
-
2
0
/

I
c
C
/

c
.
0