1. Presentation on True Value Presentation on TRUE VALUE

2. Presentation on True Value Hospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Accident Coverages

3. Presentation on True Value Hospital, Nursing Home means any institution in India established for indoor care and treatment of sickness and injuries It has been registered with the local authorities and is under the supervision of a registered and qualified Medical Practitioner or Should comply with minimum criteria as under It should have at least 15 inpatient beds (10 in Class ‘C’ Towns). Fully equipped operation theatre of its own wherever surgical operation is carried out. Fully qualified nursing staff under its employment round the clock Fully qualified Doctor(s) should be in charge round the clock. What is a Hospital?

4. Presentation on True Value Self Spouse Dependent Children upto 25 Years Dependent Parents upto 55 Years Family Means

5. Presentation on True Value 5 Months – 55 Yrs Dependent Children can be covered only with any one of their Parents Age Limits

6. Presentation on True Value Minimum Sum Insured - Rs. 30,000/- Maximum Sum Insured - Rs. 80,000/- The following Sum Insured options are available Rs. 30,000/- Rs. 40,000/- Rs. 60,000/- Rs. 70,000/- Rs. 80,000/- Sum Insured

7. Presentation on True Value Room rent & boarding charges @ 2% of the sum insured Nursing charges Surgeons, Anesthetist, Consultants and Specialists fees Operation Theatre charges, drugs and medicines diagnostic materials, cost of pace maker etc Allowable Expenses

8. Presentation on True Value Expenses on Hospitalization for minimum period of 24 hours are admissible. However, this time limit will not apply for Dialysis, Chemotherapy, Radiotherapy, Cataract surgery, Dental Surgery, Lithotripsy (Kidney stone removal), Tonsillectomy, Cutting and Draining of Abscess, Liver Aspiration, Pleural Effusion Aspiration, Colonoscopy, Sclerotheraphy, taken in the Hospital / Nursing Home and the Insured is discharged on the same day. Day Care Treatment

9. Presentation on True Value Name of the Ailment / Surgery / Procedure Sub Limit Cataract surgeryRs. 15,000/- Sub limits

10. Presentation on True Value AgeSum Insured (Rs.) 3000040000600007000080000 5 Months to 25 Years 340400550600660 26 Years to 35 Years 375450620710850 36 Years to 45 Years 4755257009001005 46 Years to 55 Years NA 127515151800 Rating

11. Presentation on True Value If two persons are Covered – 10% Discount If more than two persons are covered 15% Discount Family Discount

12. Presentation on True Value Cumulative Bonus at 5% for every Claim Free Year Upto a maximum of 10 Claim Free Years i.e., 50% Cumulative Bonus

13. Presentation on True Value To obtain the following benefits there should be a continuous renewal of the expiring policy (a) Renewal with Cumulative Bonus details Cumulative Bonus as shown in the Renewal Notice is given (b) No Renewal Notice or Renewal Notice without cumulative Bonus details Cumulative Bonus as shown in the Previous Policy is given A declaration stating No Claim has to be obtained from the insured Transfer of Policy

14. Presentation on True Value Benefits under Section 80-D of the IT Act Cashless Service without intervention of TPA Direct Tie up with hospitals on an All India Basis 24 X 7 In-House Call center Toll Free Telephone line assistance Full knowledge based website to offer medical information, including Health Tips. Frequent health meets to disseminate info on the health related topics Other Benefits

15. Presentation on True Value Pre and Post Hospitalisation Treatment Pre Existing Diseases Any Disease contracted during first 30 days First Year Exclusions Benign prostate hypertrophy Hernia, Hydrocele, Fistula in Anus, Piles Sinusitis Renal stone and Gall stone removal First Two Years Exclusions Cataract hysterectomy following menorrhia or fibromyoma Knee Replacement Surgery Joint Replacement Surgery Prolapse of intervertibral Vericose veins/ulcers Congenital internal disease/defect Exclusions

16. Presentation on True Value Injury / Disease arising due to War, Invasion, Act of Foreign Enemy, Warlike operations Circumcision unless necessary for treatment of a disease Cost of spectacles and contact lens, hearing aids, walkers, crutches wheel chairs and such other aids Dental treatment or surgery Convalescence, general debility, Run-down condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol Naturopathy Treatment Expenses incurred on Lasik Laser or Refractive Error Correction treatment Exclusions (Contd.)

17. Presentation on True Value Hospital registration charges, record charges, telephone charges and such other similar charges. Expenses incurred on Non Allopathic treatment. Exclusions (Contd.)

18. Presentation on True Value In case of Network Hospitals Immediate intimation to the Call Centre (1800 425 2255) The insured has to send a request for ‘Pre Authorization Form’ signed by the Doctor in the Network Hospital Based on the intimation a field visit will be done by the Star Doctor Pre Authorization will be issued to the Hospital Based on the Pre Authorization and the Report by the Star Doctor, Cash Less Treatment will be given by the Network Hospital Claim Procedure

19. Presentation on True Value In case of Non Network Hospitals Immediate intimation to the Call Centre (1800 425 2255) Claim form will be sent to the Insured. Based on the intimation a field visit will be done by the Star Doctor Bills has to be settled by the Insured and will be reimbursed by Star on submitting the following documents Original Discharge Summary Main Hospital Bill with Break Up Investigation Reports with X-Ray Film Medical Bills with Prescriptions Claim Procedure (Contd.)

20. Presentation on True Value Thank You