What is covered Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges,

doctor/ surgeon's fee, medicines bills, etc Medical expenses incurred 30 days prior and 60 days post hospitalisation Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy) Pre-existing diseases can be covered after four continuous years of coverage with the Company* * Conditions Apply What is not covered

Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals Exclusions valid for the first 2 Years Treatment of the following diseases/illness/ailments: Cataract# Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of malignancy Hernia, Hydrocele Fissures &/or Fistula in Anus, hemorrhoids/Piles Arthritis, Gout, Rheumatism and spinal disorders Joint replacement, unless due to accident Sinusitis and related disorders Stone in the urinary and biliary systems Dilatation & Curettage, Endometriosis

All types of Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant Dialysis required for chronic renal failure Surgery on tonsils, adenoids and sinuses Gastric and duodenal erosions & ulcers Deviated Nasal Septum Varicose Veins/Varicose Ulcers

If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the two years ## onwards, subject to continuous renewal of the policy with us. #Any claim for Cataract treatment shall not exceed Rs 20,000 per eyen,during each Policy Year after 2 years from the Policy start date. ##4 years for Sum Insured 2 lacs.

Permanent exclusions Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 2 consecutive years for sum insured of Rs. 3 Lac, 4 Lac, 5 Lac, 7 Lac,10 Lac and Rs. 2 Lac sum insured if the policy is renewed for 4 consecutive years. Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury War, civil war or breach of law Naturopathy treatment, acupressure, acupuncture, magnetic and other such therapies Treatment taken outside the country Any expenses arising out of Domiciliary Treatment Eligibility

The customer can buy the policy for any family member(s) children and / or parents The insured should be above 3 months in case of floater and 6 years in case of individual The Proposer needs to be aged above 18 years To cover children aged between 3 months to 5 years, the policy must also cover at least 1 adult Children under less than 91 days old cannot be covered Individual(s) proposed for Insurance whose age is 46 years & above have to undergo medical tests at ICICI Lombard designated diagnostic centers This policy offers the option of life-long renewability Income Tax benefits u/s 80D can only be availed for policies bought for Self, Spouse, Parents and Dependent children. For details, kindly refer to Policy Wordings.