SUMMER TRAINING REPORT-:

JUNE 2009- AUGUST 2009

A project report submitted to Chanakya Institute of management, in partial fulfillment of the requirement for the Award of

MASTERS OF BUSINESS ADMINISTRATION (2008-2010)

Submitted to:CHANAKYA INSTITUTE OF MANAGEMENT, GHARUAN

COMPILED BY:MUNISH KUMAR MBA, 3RD SEMESTER CLASS ROLL NO: - 14TH

ACKNOWLEDGEMENT

The investigator fumbles with words while expressing his gratitude & indebtness to his reverse guide Mr. Sachin Sharma (Area manager) in ICICI prudential, Chandigarh for whose astute guidance & help has carried the investigator through sweet experience of vision & field of research. I am very thankful to their mature guidance, valuable suggestions and encouragement.

I shall be failing to do my duty if I do not extend my acknowledgement to Mrs. Anjali Mehta (H.O.D) in Chanakya Institute of management, Gharuan under whose guidance this report has been prepared.

Munish kumar Roll no. 14th Chanakya Institute of management

STUDENT DECLARATION

I Munish kumar, student of Masters of Business Administration (MBA) of Chanakya Institute of Management, Gharuan here by declare that this project report on the study of Level of satisfaction of doctors at ICICI Prudential, Chandigarh is submitted in the authorized. partial fulfillment for the requirement of degree of MBA is my own efforts and not for any award of other similar title

Date:

Munish Kumar Roll No. 14th

Palace:

Chanakya Institute of Management

INDEX
S.No Topic Page No

HEALTH INSURANCE
Health insurance policies insure you against several illnesses and guarantee you stay financially secure should you ever require treatment. They safeguard your peace of mind, eliminate all worries about treatment expenses, and allow you to focus your energy on more important things, like getting better. Let's learn more about the various types of health insurance available, and what the best policy for you might be. Health Insurance policies in India - An Overview There are several health insurance or medical insurance plans in India. These can be divided into the following categories based on the coverage offered: Comprehensive health insurance coverage: These plans provide you complete health coverage through a hospitalization cover while at the same time also creating a health fund to cover any other healthcare expenses. Click to know more about our comprehensive coverage plan (Health Saver) Hospitalization Plans: These health insurance plans cover your expenses in case you need to be hospitalized. Within this category, products may have different payout structures and limits for various heads of expenditure. The hospitalisation coverage may be reimbursement based plans or fixed benefit plans. These plans aim to cover the more frequent medical expenses. Click to know about our hospitalisation insurance plan (Hospital Care, MediAssure) Critical Illness Plans: These health insurance plans provide you coverage against critical illnesses such as heart attack, organ transplants, stroke, and kidney failure among others. These plans aim to cover infrequent and higher ticket size medical expenses. Click to know about our critical illness plans (Crisis Cover) Specific Conditions Coverage: These plans are designed specifically to offer health insurance against certain complications due to diabetes or cancer. They may also include features such as disease management programs which are specific to the condition covered. Click to know more about our diabetes (Diabetes Care Active, Diabetes Assure) and cancer (Cancer Care) suite of products.

ICICI PRUDENTIAL PROFILE

ICICI Prudential is a joint venture between ICICI Bank and Prudential plc engaged in the business of life insurance in India. ICICI Prudential is the largest private insurance company and second largest insurance in India after LIC. ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and Prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA).ICICI Prudential Life's capital stands at Rs. 37.72 billion (as on March, 2008) with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the year ended March 31, 2008, the company garnered Retail New Business Weighted premium of Rs. 6,684 crores, registering a growth of 68% over the last year and has underwritten nearly 3 million retail policies during the period. The company has assets held over Rs. 30,000 crore as on April 30, 2008.ICICI Prudential Life is also the only private life insurer in India to receive a National Insurer Financial Strength rating of AAA (Ind) from Fitch ratings. The AAA (Ind) rating is the highest rating, and is a clear assurance of ICICI Prudential's ability to meet its obligations to customers at the time of maturity or claims.For the past seven years, ICICI Prudential Life has retained its leadership position in the life insurance industry with a wide range of flexible products that meet the needs of the Indian customer at every step in life. ICICI Prudential website [1] Since the liberalization of Indian Insurance sector, ICICI Prudential Life Insurance has been one of the earliest private players. Since the time, ICICI Pru Life has been the leader in terms of market share as indicated by the IRDA (Insurance Regulatory and Development Authority, the regulator for Indian Insurance Industry) at its website. Arguably the most innovative Indian Life insurer in terms of customer services and products, ICICI Prudential has one of the largest distribution and servicing network with over 2,000 proprietary offices & customer touch points across India. The 30,000 employee strong organization has one of the largest agency distribution in the industry. With a growing product range to match the complex needs of the demanding customers in a growing economy, the organization also has a history of successful. During 2007-08, the organization's focus on rural business has proved its complex project execution capability and strong partnerships for customer servicing. In June, 2009 ICICI Prudential Life Insurance has decided to snap its tie up with TTK Healthcare to settle insurance claims of its users

Introduction of ICICI prudential Insurance Plans

ICICI Prudential has a wide array of insurance plans that have been designed with the philosophy that different individuals are bound to have differing insurance needs. The ideal insurance plan is one that addresses the exact insurance needs of the individual that will depend on the age and life stage of the individual apart from a host of other factors. Life Insurance Plans: Under Life insurance plans, ICICI Prudential offers plans under the following major need categories:

Education Insurance Plans Wealth Creation Plans Premium Guarantee plans Protection

Plans

Pension & Retirement Solutions: The primary objective of a pension plan is to help you provide for your financial needs in your post retirement years. You will find a Pension Planning Calculator on the site, meant to make your pension plan review as simple as possible. The calculator is the first step in your Pension Plan scheme, there are othe steps towards getting the Indian pension policy you need.

LifeStage Pension LifeTime Super Pension LifeLink Super Pension ForeverLife

Health Product Suite: Under Health Product Suite, ICICI Prudential offers plans under the following major need categories: Hospitalisation Plans

MediAssure Hospital Care

Critical Illnessl Pans

Crisis Cover

Cancer Products

Cancer Care

Diabetes Products

Diabetes Care Active Diabetes Assure

5 reasons why health insurance is a must

Indians at greater risk

Reason 1: Lifestyles have changed. Indians today suffer from high levels of stress. Long hours at work, little exercise, disregard for a healthy balanced diet and a consequent dependence on junk food have weakened our immune systems and put us at an increased risk of contracting illnesses.

Reason 2: Rare non-communicable diseases are now common. Obesity, high blood pressure, strokes, and heart attacks, which were earlier considered rare, now affect an increasing number of urban Indians.

Shocking Truths

18% of the urban population suffers from hypertension, which leads to renal failure, stroke and cardio-vascular diseases 30% of the population suffers heart attacks before age 40 66% of deaths today are due to cardio-vascular diseases Almost 3.5 million Indians suffer from diabetes Cardio-vascular diseases (CVDs) like heart disease and stroke are the main causes of death and disability

The Cost Factor

Reason 3: Medical care is unbelievably expensive: Medical breakthroughs have resulted in cures for dreaded diseases. These cures, however, are available only to a select few. High operating expensestherapy for breast cancer costs as much as Rs. 2 lakhs for 3 dayshave restricted treatment to the richest. In fact, even among the affluent groups, 20% need to sell their valuable assets so they can accumulate the required amount to meet healthcare costs.

Reason 4: Indirect costs add to the financial burden: Indirect sources of expensetravel, boarding and lodging, and even temporary loss of income account for as much as 35% of the overall cost of treatment. Most often, we overlook this fact when planning for medical expenses.

Reason 5: Incomplete financial planning: Complete financial planning includes saving for an uncertain future, childrens education, retirement and the most important aspect of your life your health. Health is important as rising medical costs, especially in an emergency, might force you to dip into your savings which you would have assigned for your other goals. Over 40% of all Indians sell assets

or dip into existing savings to meet healthcare costs. This could mean a severe compromise on your long cherished goals. There is certainly a better option: A comprehensive health insurance which can take care of all your medical needs.

Selecting the Right Plan

Sound health cover planning ensures you have access to sufficient funds to meet direct medical expenses of the treatment, indirect expenses at the time of treatment and loss of income, if any, due to the illness.

Point to Remember:

Select a health solution by taking into consideration factors such as your income, age, number of dependants, quality of care desired, current coverage etc. (Do visit our health insurance planner which would help you choose a plan based on these vital parameters)

Quick tip
When choosing a health insurance plan, ensure that the plan:

Provide you guaranteed long-term coverage for you and your family.

Have very clear and transparent coverage and renewal norms

Provide a hassle free claims process

Provide you adequate sum assured in line with your lifestyle

Has a mix of reimbursement and fixed benefits to meet both direct and indirect costs due to illness

Health Insurance Products

ICICI Prudential offers health insurance plans under the following major need categories:

Comprehensive health coverage:

Health Saver
A comprehensive whole life plan that covers you against hospitalisation expenses and creates a health fund to cover any other health expenses.

Hospitalisation coverage:
MediAssure
A reimbursement hospitalization plan covering hospitalization stay and treatment. The claim payout is based on actual expense incurred.

Hospital Care Get free quote and buy online

A fixed benefit cashless hospitalization plan covering various stages of treatment and over 900 surgeries.

Critical illness coverage:

Crisis Cover
A comprehensive health insurance policy that covers 35 critical illnesses, death and disability.

Cancer coverage:
Cancer Care
A unique health insurance plan covering most early and advance types of cancers.

Diabetes coverage:
Diabetes Care Active
A one of its kind critical illness health insurance plan only for diabetics and covers 7 major complications for a long term of upto 20 years.

Need for the study of Health Insurance

One of the leading causes of confusion when it comes to health care reform is the misuse and conflation of the terms "health insurance" and "health care." This sort of confusion manifests itself throughout the debate. Insurance is the pooling of risk. The members of an insurance plan pay a premium that is used to help those members who face an adverse event. In the case of auto insurance this could the cost to repair a rear-end collision, in the case of health insurance this might be the cost to repair broken bone. Insurance as it exists is marked by two pillars: 1. Not everyone is going to be affected by bad events that drain the insurance pool all at once. This is the assumption behind insurance that can turn it into a profitmaking enterprise. At any given moment, group X that is running insurance pool Y is collecting more in the form of premiums than it is expending to pay for the health costs of members. 2. Insurance is driven by the need to protect from the uncertain. If I pay a premium to insure a car, I am paying a premium to protect that car for unexpected events; the car is side-swiped, broken into, flooded, etc. That way, when my car does go missing one night and is discovered the next morning pulled over on the highway with no hubcaps and a missing passenger-side door, I will not have to pay out of pocket. It is this desire to protect ourselves from the cost of uncertainty that drives us to pay for insurance. These two pillars, the profit pillar and the uncertainty pillar, are the basis for the private health insurance market. Agencies that want to make money collect premiums from people who want to protect against risk, and periodically are called upon to spend some of this money to help one of the premium-payers who needs coverage for some unexpected disease or accident. The premium a member has to pay is based on the expected cost of care for this individual. This system leads to certain problems, among them the inability of lowincome people with pre-existing conditions to afford insurance. This is because an insurance company is never going to charge someone with an pre-existing condition a premium that is lower than the expected cost to cover that person. As Katherine Baicker

and Amitabh Chandra put it in their highly informative "Myths and Misconceptions in U.S. Health Insurance": "Try purchasing insurance to cover your recent destruction of your neighbor's Porsche: the premium would be the cost of a new Porsche. You wouldn't need car insurance--you'd need a car. Similarly, uninsured people with known high health costs do not need health insurance--they need health care." Because insurance providers are motivated by profits, they are never going to offer a premium that is less than the expected cost of care, as this will lose them money. However, low-income Americans without health insurance are not going to be interested in buying health care that is too expensive for their means. This constitutes a market failure. This market failure is a huge barrier to providing accessible health care to all Americans. But alongside that is the difficulty of using the health insurance market to provide health care. Insurance is the business of uncertainty, not care. And this is a core problem: when Americans are buying health insurance, they are buying affordable coverage for uncertainty, not affordable coverage for health. But those who cannot afford to buy coverage from uncertainty still need coverage from health-adverse events. Thus, they do not buy health insurance and in addition to living with uncertainty, are burdened with exorbitant costs when they need health care. A market failure in the private health insurance market points to the need for some sort of public actor in the healthcare sector if we want to take steps forward in providing care for all Americans. Along those lines is Barack Obama's plan to create a public pool for health "insurance". This proposal is an effort to create healthcare options for people who wouldn't otherwise be able to afford it. However, mindful of the private market, Obama's plan also has provisions to keep this plan price-competitive enough with the private market to drive people into the public pool. The nature of insurance and the private market are unavoidable features of America's health care landscape. Attempts to understand and respond to these factors with clarity, such as the Obama plan, are a good start to tackling health care reform in America.

Aims and objectives of study

To adapt, develop, plan and promote the study and dissemination of knowledge and conduct research in the areas: Management, Bio-tech, Health, Infrastructure, Banking and Insurance, Non-Governmental organizations, Environment, Community Development and the areas relative there to.
I.

II. To undertake projects and activities that may be necessary for the furtherance of the above stated objectives. III. To take up specific assignments, turn-key projects or any other form of projects/contracts in the areas stated above using in-house resources or with the participation of outside agencies. IV. To initiate, establish and participate in collaborative educational, training, consultancy and similar activities with other institutions/organizations within the country and abroad. V. To provide/undertake consultancy services for Public, Private, Governmental and Non-Governmental organizations and International agencies and other bodies/institutions abroad on matters relating to the objectives of the Society. VI. To maintain close contacts with other institutions/organizations having similar or allied objectives by way of payment of subscription, enrollment as members thereof, fiscal or other sort of assistance, collaboration, cooperation and in any other manner as the Society may deem it necessary. VII. To establish educational institutions for the development of human faculties by imparting knowledge, skills for the advancement/enhancement of capabilities among the youth of the nation by offering technical and non-technical courses that are of the full-time, part-time and distance learning basis. VIII. To innovate and develop appropriate international linkages and to establish offcampus centers for the furtherance of the objectives of the society. IX. To conduct/organize teaching and training programmes, conferences, seminars, lectures and similar other activities and award certificates, diplomas or accreditations etc., in the areas under the objectives of the society and in other areas of societal relevance X. To institute and award fellowships, scholarships, prizes and medals in accordance with rules determined by the KPR Educational Society. XI. To engage in any other lawful activities as the society may deem fit or incidental for the furtherance and attainment of its objectives.

Research Design
Design research investigates the process of designing in all its many fields. It is thus related to Design methods in general or for particular disciplines. A primary interpretation of design research is that it is concerned with undertaking research into the design process. Secondary interpretations would refer to undertaking research within the process of design. The overall intention is to better understand and to improve the design process.

Sample Design
This reports sample design is based on views of Doctors of ICICI Prudential Company.

Why ICICI Pru health saver needed ?

The Need
Increasing incidence of chronic ailments and lifestyle diseases results in a steady outflow of funds to meet medical expenses such as diagnostics, medicines and doctor visits which are usually not covered by traditional health insurance plans. This becomes more pronounced in old age, as very few individuals plan for it. Further, the increasing health cover premiums at higher age groups are also a cause of concern.

Presenting ICICI Prudentials Health Saver A comprehensive health insurance and savings solution that not only provides your family with immediate hospitalisation cover but also aims to create a fund to keep you prepared against any health related expenses especially allowing you to provide for rising health care costs.

Health Saver The Long Term Dual Benefit Tax Saving Health Plan

Hospitalisation Insurance Benefit Coverage against medical expenses for inpatient hospitalisation and listed day care procedures

Health Savings Benefit Creates a health fund through investment to meet all other healthcare needs

With tax benefits under section 80D of the Income Tax Act of 1961 Health Savings Benefit Meet your goal

A part of your premiums are allocated for investment designed specifically to build a health fund to meet for health related expenses The health savings kitty is created by investment in a long term flexible savings plan with multiple fund options and portfolio investment strategies based on your preference. Allows for health related claims from your savings kitty post 3 completed policy years. Allows you to avail tax benefits u/s 80D for the entire amount invested.

How ICICI Pru Health saver works ?.

Step 1: Choose your annual limit Select from a range of annual limits i.e. Rs 2 lacs , Rs 3 lacs , Rs 5 lacs , 7 Lacs and Rs 10 Lacs Step 2: Choose your premium While you have an option of selecting your premium you would require to follow the below minimum premium norms prescribed in the table below

Age of eldest member No of Members Annual Limit

Individual Age of the eldest member (in years) Less than 40 40 - 55 All annual limits 10,000 15,000

Minimum Premium Family floater Annual limits Annual limits greater than Rs. 5 upto Rs. 5 lacs lacs 15,000 20,000 25,000 30,000

Step 3: Choose your investment portfolio Premium amount net of charges will be invested in your Health Savings Fund as per your chosen portfolio strategy. You can select between the following two strategies:

Lifecycle based portfolio strategy Fixed Portfolio strategy

Features and Benefits of hospitalization

This benefit in your policy provides you cover against medical expenses that require a minimum of 24 hours hospitalisation. In addition, over 125 day-care procedures are also covered. The following expenses incurred during hospitalisation are covered, subject to your annual limit: 1. Room, Boarding and Nursing expenses as charged by the hospital where the insured availed medical treatment. You are entitled to a single A/C room (room rent capped at 1% of annual limit per day). However for twin share A/C room there is no such cap applicable.

2. Intensive Care Unit (ICU) charges

3. Fees for Doctor, Surgeon, Anaesthetist, Medical Practitioner, Consultant and Specialist

4. Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs*

Other Features of this Benefit Feature Description With the family floater option, you can additionally cover your spouse and up to the first three dependant children under the same annual limit.

Family floater

Daycare Treatement Cover

In addition to hospitalisation, you are also covered for procedures which require less than 24 hours of hospitalisation. These include over 125 listed day care surgeries, Parenteral Chemotherapy, Radiotherapy, Intervention Cardiology, Intervention Radiology, Radio frequency Ablation Treatment, Lithotripsy and Dialysis.

Pre & Post Hospitalisation Cover

Pre hospitalisation expenses up to 30 days prior to hospitalisation and post hospitalisation expenses up to 60 days from the date of discharge are also covered. The pre and post hospitalisation expenses would be covered only in case the expenses incurred are related to the main hospitalisation event.

Medical ups

check

A free health checkup will be available to all insured members after the first year once every 2 years. Each member can submit only a single bill in every block of 2 years after the first year. The bills of any one member cannot be aggregated. The cumulative limit for all the members under the policy would be 1% of the annual limit or Rs 5000 whichever is lower. Please contact our call center for further details

Ambulance charges No Claim Bonus

Up to Rs. 1,000 per policy year subject to acceptance of main hospitalisation claim. A no claim bonus in the form of an increase in annual limit by 5% of the base annual limit is provided for every claim free year. The maximum increase over the base annual limit will be capped at 25%. In case of a claim, the

accumulated no claim bonus will reduce by 10% of the base annual limit in the following year. In no circumstance will this reduction cause the annual limit to go below the base annual limit.

Cashless Network Access

You have an access to an extensive network of hospitals on a cashless basis.

Out of network claims

A co-pay of 20% on the eligible medical expenses will be applicable in case you either - Stay in single A/c room with a room rent of more than 1% of your annual limit - Access facilities at hospitals not listed in the chosen network What happens in an emergency? In case of emergency hospitalisation related to cardiac and trauma cases, co-pays will not be levied even when hospital is outside your chosen network as long as benefit availed is in a twin sharing room.

CLAIM PROCESS
With ICICI Prudentials Health Saver policy, you can now plan ahead, be in control in any medical eventuality and focus on getting better without having to worry about the money. ICICI Prudential provides a seamless and hassle-free claims experience with Health Saver. To ensure faster processing and settlement of claims, please adhere to the following: Complete disclosure Make sure that all the information related to your health is given to the company as this would ensure faster settlement of claims and avoid disappointments later. Please refer to the copy of your application form in the welcome kit to check the disclosure made by you. Claims intimation and processing

You have to provide complete and accurate information asked by the company at the earliest to ensure faster claim settlement. Please refer to the policy document for details.

Why ICICI mediassure is needed ?

Health problems, in most cases, strike us unexpectedly, resulting in a sudden financial burden. Despite this, only around one in every fifty Indians, is covered through some form of individual medical insurance. Further, it has been observed that 2 out of every 5 individuals hospitalised in India end up either borrowing money or selling assets to cover healthcare costs. This situation is set to escalate further as private health care spends in India are estimated to increase by 2 to 3 times over the next 12 years. Hence you need a solution that gives you peace of mind by providing financial cover to both you and your family against unforeseen hospitalisation events. So what should you look for when buying a medical/hospitalisation cover:

Does the plan guarantee you insurability at renewal irrespective of your health status? Does the plan ensure that no new exclusions are added or no increase in premiums occurs just because a claim is made? Does the plan clearly state exclusions at the time of taking the policy and also offer you cover against pre-existing conditions?

ICICI Prudential Life Insurance presents MediAssure, a health insurance plan with a AAA guarantee for the family

Assured cover till age 75 years Assured coverage for accepted pre-existing illnesses after 2 years Assured price for 3 years

Features and Benefits

Key Benefits of the MediAssure policy

Hospitalisation coverage for your family under a single policy Pre-existing illnesses & conditions covered subject to underwriting Guaranteed insurability up to 75 years of age Coverage for Pre & Post-Hospitalisation expenses

Over 125 day care procedures covered No claim bonus of 5% of annual limit for every claim free policy year Cashless Hospitalisation in our extensive network of hospitals across the country Flexibility in upgrading hospital room facilities with additional co-pay Avail tax benefits on premium paid u/s section 80D of IT Act, 1961

Benefits in detail
1.FamilyFloater With the family floater option, you can additionally cover your spouse and up to the first three dependent children to the same annual aggregate limit. 2.Guaranteed insurability up to 75 years of age You can renew the policy once and within 30 days from the termination date with the same terms and conditions. You can further renew the cover under the then offered ICICI Pru MediAssure product or its nearest substitute within 30 days from the policy termination date. The outstanding waiting period from the current policy will be applied on continuation of cover. Your premium payable on renewal and on subsequent continuation of cover shall be reviewed subject to IRDA approval. 3.Pre exiting illnesses covered Pre existing illnesses and conditions which are declared at inception and specifically accepted by the company would be covered under this policy. For conditions of diabetes or hypertension which are disclosed at inception and which are accepted for cover, any complications arising from these conditions will be covered after the first two consecutive policy years. 4.Pre-Hospitalisation and Post Hospitalisation Cover Pre-Hospitalisation expenses up to 30 days prior to hospitalisation and posthospitalisation expenses up to 60 days from the date of discharge are also covered. The Pre and Post Hospitalisation expenses would be covered only in case the expenses incurred are due to the main hospitalisation event. 5.Day Care Treatment Cover In addition to hospitalisation, you are also covered for procedures which require less than 24 hours of hospitalisation. These include over 125 listed day care surgeries, Parenteral Chemotherapy, Radiotherapy, Intervention Cardiology, Intervention Radiology, Radio frequency Ablation Treatment, Lithotripsy and Dialysis. 6.No Claim Bonus You are entitled to a 5% increase in your annual limit for every claim free year subject to a maximum of 25% increase in the annual limit. Incase a claim is made during a policy year; the bonus amount would revert to 0% in the following year.

How does mediassure works?

What does MediAssure cover? The policy provides you cover against inpatient hospitalisation, procedures and surgical expenses that require a minimum of 24 hours hospitalisation. In addition, over 125 daycare procedures are also covered. The following expenses incurred during hospitalisation are covered, subject to your annual limit: a. Room, Boarding and Nursing Expenses as charged by the hospital where the Insured availed medical treatment b. Intensive Care Unit (ICU) charges c. Fees for Doctor, Surgeon, Anaesthetist, Medical Practitioner, Consultant and Specialist d. Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Consumables, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Cost of Artificial Limbs e. Pre and Post hospitalisation expenses related to the hospitalisation Please note: Payout for Doctors fees (including surgeon, anaesthetist) will be limited to 30% of eligible claim amount for inpatient claims. Payout for artificial limbs would be limited to lower of Rs 25,000 or 10% of the Annual Limit. How does my plan work? Choosing your plan is very simple Step 1: Set your Annual Limit The Annual Limit is the maximum benefit payable under the policy towards all the eligible medical expenses described above and incurred during a policy year. You can select between various Annual Limit options i.e. Rs 2 Lacs, Rs 3 Lacs, Rs 5 Lacs, Rs 7 Lacs or Rs 10 Lacs. Step 2: Select your Network You can choose between the Premium and Classic plans. The Premium plan gives you access to all List A and List B hospitals across India. The Classic plan gives you access to

all List A hospitals across India along with limited access to List B hospitals as shown in the table below.

Plan Type Eligible Room Type Upto Single A/C room Upto Twin A/C room Premium List A hospitals all over India All List B hospitals all over India Classic List A hospitals all over India All List B hospitals all over India except districts of Mumbai, Navi Mumbai and Thane

Please Note: The Hospitals which are included in List A and List B will be available with your policy kit and also on this website in the Downloads section What happens when I access out of network facilities? A co-pay of 20% on the eligible medical expenses will be applicable in case you either Upgrade to a higher room type in the network hospitals, eg, a single A/C room at List B hospital, or, Access facilities at hospitals not listed in the chosen network, eg, if you have chosen the Classic plan and access care at a List B Mumbai hospital, or, if you access care at a hospital not given in List A or B. Please Note: Co-pay is that percentage of the total eligible medical expenses that is borne by you while the balance is settled by the Company What happens in an emergency? In case of emergency hospitalisation related to cardiac or trauma cases, co-pay will not be levied even when the hospital is outside your chosen network. However your room eligibility in such a case will be to the extent of twin-share A/C room only.

Why Hospital Care ? The need

Today, when you are young and healthy, planning for a contingency is not always a priority but the cost of treating even the smallest of ailments is on the rise. You realize it only when you or your loved ones has to undergo some medical emergency and you are faced with the challenge of organizing funds to meet the hospitalisation related expenses. Hence a medical emergency comes not only with emotional turmoil but also with a huge expense attached to it. During such an unexpected situation, your only concern should be that the best doctors and medical facilities are available and cost should not be a constraint so that you can take care of things without compromise but to ensure that best in class treatment is provided, the key to that is to be financially prepared for it. To help you manage this unexpected emergency, ICICI Prudential presents Hospital Care - a comprehensive insurance policy that has:

Facility of cashless hospitalisation in an extensive network of hospitals in India

Benefit amount will be paid in addition to payment received by you from other medical insurance plans.

You will receive lump-sum benefit amount, irrespective of the actual billing.

Long term guaranteed coverage up to 20 years.

Tax benefits on premium paid up to Rs.15,000 under Section 80D.

Features of Hospital Care 1. Hospitalisation Benefits (DHCB)

Get a benefit amount if you are hospitalized for more than 24 hours i.e. at least 2 consecutive nights and must be charged for 2 days room expenses. The benefit amount is fixed and will be paid irrespective of actual hospitalisation expenses DHCB is payable for hospitalisation up to 90 days per policy year, which includes any days spent in Intensive Care Unit.

2. Intensive Care Unit (ICU) benefit

An additional 50% of DHCB amount per day is paid to you if you get admitted to an Intensive Care Unit (ICU), and this amount is paid depending on the plan chosen. The ICU benefit is payable for hospitalisation up to 30 days per policy year, and is paid in addition to DHCB.

3. Recuperating benefit

A post-hospitalisation benefit amount in addition to all other amounts will be paid out to ensure that follow-up tests, medicines and consultations go ahead as planned . You are eligible for recuperating benefit only on being hospitalized continuously for 5 or more days DHCB.

4. Surgery benefit

Over and above the hospitalisation expenses, a fixed lump-sum amount is also paid for more than 900 surgical procedures. These surgeries have been classified into four grades, depending on the type and severity. A sample list of surgeries is given below: Grades Surgeries 1 Tennis elbow release, bladder stone removal 2 Hernia, Removal of uterus 3 Removal of kidney, removal of thyroid gland 4 Open heart surgery, removal of brain tunour

5. Benefit amounts at-a-glance You can choose any one plan, from the following four options Each plan has fixed benefit amounts, as shown below: Benefit Plan A (Rs.) Plan B (Rs.) Plan C (Rs.) 3,000 1,500 9,000 45,000 1,50,000 2,25,000 3,00,000 Plan D (Rs.) 4,000 2,000 12,000 60,000 3,00,000 4,00,000 4,00,000

Daily Hospitalistion Cash 1,000 2,000 Benefit (per day) ICU (Intensive Care Unit) 500 1,000 Benefit per day) Recuperating Benefit 3,000 6,000 Surgery Benefit Surgery grade 1 15,000 30,000 Surgery grade 2 50,000 1,00,000 Surgery grade 3 75,000 1,50,000 Surgery grade 4 1,00,000 2,00,000 Waiting period 90 days except accidental claims.

Sample Case 1 In case you opt for plan A, then for an 8-day hospitalisation, your benefit amount is DHCB = 8 days * Rs. 1,000 per day = Rs. 8,000 + Recuperating Benefit = Rs. 3,000 (refer to the table below for benefit amounts) Total benefit amount = Rs. 11,000 Sample Case 2 In case you opt for plan D, then for an 6-day hospitalisation, including 4 days in

ICU, with a Grade 2 surgery, your benefit amount is DHCB = 6 days * Rs. 4,000 per day = Rs. 24,000 + 4-day ICU benefit = 4 days * Rs. 2,000 per day = Rs. 8,000 + + Grade 2 Surgery benefit = Rs. 2,00,000 (refer to the table below for benefit amounts) Total benefit amount = Rs. 2,44,000

6. High benefit limits Hospital Care policy offers you high benefit limits. For instance,under plan A, you can claim up to Rs.4 lakhs for multiple claims, including surgical benefit up to Rs.3 lakhs annually. However, for the entire policy term, you can make multiple claims up to Rs.20 lakhs. Plan A Plan B Plan C Benefit Limits Plan D (Rs.) (Rs.) (Rs.) (Rs.) Yearly Limit 4,00,000 8,00,000 12,00,000 16,00,000 Surgical benefit 3,00,000 6,00,000 9,00,000 Policy Term 20,00,000 40,00,000 60,00,000 80,00,000 Limit Benefits of Hospital Care Payout in addition to other plans You can claim benefit amount from this policy as well as any other medical insurance policy you may have, since the company only requires submission of photocopies or duplicates of bills and certificates. The lump-sum benefit amount will be paid to you, irrespective of your actual medical expenses. Cashless hospitalisation You don't need to make any payment upfront. We shall pay the billed amount upto the benefit payable under the product, directly to the hospital, as settlement of your dues. This facility is available through our extensive list of network hospitals across the country. Click here for the list of network hospitals. Multiple claims

Life being uncertain, you may incur medical treatment costs several times. You can make multiple claims during the policy term, so long as the total amount payable does not exceed the benefit limit you are entitled to. Transparent coverage norms This policy is very transparent and informs you upfront about benefit payouts, the coverage and exclusions. This helps you plan your finances in the event of an emergency, so that you can concentrate on the treatment. Guaranteed coverage Medical eventualities can occur at any time. This policy guarantees you coverage for the entire policy term, so that you enjoy the benefit of the cover, irrespective of any claims made or a change in your health status during the policy term. Tax benefit The premium paid by you up to Rs.15,000 p.a. is eligible for tax benefit under Section 80 D, as per prevailing Income Tax laws . General Exclusions 1. No benefits shall be payable with respect to any period of Hospital Confinement/ICU stay unless the entire confinement / ICU stay and all the Hospital services rendered and performed there had been recommended by a physician and are in accordance with the diagnosis and treatment of the condition for which hospitilisation was required. 2. No benefits shall be paid for the following services, products and conditions: pre-existing illness unless stated in the proposal form and specifically accepted by the ompany and endorsed thereon; 1. hospitalisation and / or treatment within the Waiting Period (as stated in clause 6); 2. eye tests, refractive errors of the eyes, refractive surgery; 3. any dental surgery, extraction of impacted tooth / teeth, orthodontics or orthographic surgery, or Temporo-Mandibular Joint Disorder except as necessitated by an accidental injury; 4. treatment arising from pregnancy which shall include childbirth, infertility, erectile dysfunction or impotency, miscarriage, abortion, sterilization and contraception including any complications relating thereto; 5. treatment for congenital conditions including physical defects present from birth; 6. hospitalisation primarily for investigatory purpose, diagnosis, X-ray examination, general physical or routine medical examination; preventive treatments /

medicines, treatments / examinations specifically for weight reduction or gain regardless of whether the same is caused (directly or indirectly) by a medical condition; convalescence, custodial, sanitaria, rehabilitation centre, nature cure clinics or rest care and similar establishments; or private nursing. 7. treatment arising from any geriatric, psycho-geriatric or psychiatric condition, insanity, mental or nervous breakdown or "rest cures"; 8. treatment directly or indirectly arising from alcoholism or drug abuse and any injury or sickness which the Life Assured may suffer after he has taken intoxicating liquors or drugs; 9. treatment directly or indirectly arising from or consequent upon war, commando or bomb disposal duties or training, terrorism, invasion, acts of foreign enemies, engagement in hostilities, active military and police duties such as maintenance of civil order, whether war be declared or not, civil war, rebellion, active participation in strikes, riots or civil commotion, revolution, insurrection or military or usurped power or travel by military aircraft or waterborne vessel, and full- time service in any of the armed forces; 10. Acquired Immune Deficiency Syndrome (AIDS) and all illnesses or diseases caused by or related to the Human Immuno-deficiency Virus (HIV); 11. sexually transmitted diseases (STD); 12. cosmetic or plastic surgery except to the extent that such surgery is necessary for the repair of damage caused solely by Accidental Injuries, treatment of xanthelesema, syringoma, acne and alopecia; 13. study and treatment of sleep apnoea; 14. deliberate exposure to exceptional danger (except in an attempt to save human life); 15. nuclear disaster, radioactive contamination and/or release of nuclear or atomic energy; and injuries arising out of or in connection with: 16. military duties of a peace-time nature, namely normal training range work and military exercises; 17. treatment for injury or illness caused by intentionally self-inflicted injuries; or any attempts at suicide while sane or insane; 18. treatment for injury or illness caused by violation or attempted violation of the law or resistance to arrest; 19. treatment for injury or illness caused by professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, and any other hazardous activities or sports unless agreed by special endorsement; 20. All organ transplant where the Life Assured acts as a donor and all expenses incurred by the donor for such organ transplant; 21. Circumcision unless necessary for treatment of a diseases or necessitated due to an accident; 22. Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries: Australia, Brunei, Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, UAE, USA, and countries of the European Union. The company may at its discretion review the above list of accepted foreign countries from time to time. Claims documents

from outside India are only acceptable in English language unless specifically agreed otherwise, and dully authenticated 23. Failure to seek or follow reasonable medical advice. 24. Ayurvedic, Homeopathy, Unani, naturopathy, reflexology, acupuncture, bonesetting, herbalist treatment, hypnotism, rolfing, massage therapy, aroma therapy or any other treatments other than Allopathy /western medicines. 25. Hospitilisation and treatment of any kind not actually performed, necessary or reasonable, or any kind of elective surgery or treatment which is not medically necessary or any surgical procedure not performed in a hospital. THE The GUIDE claims TO EASY can CLAIMS WITH under HOSPITAL two CARE

be Planned Emergency

scenarios: Hospitalisation Hospitalisation

It can either be in a 'Network Hospital' or in 'Non-Network Hospital' depending on the need and location of the claim. THE CLAIMS PROCESS

On issuance of the policy, as part of the Welcome Kit, you will receive the following: 1. Health Card (a card which has your policy number and contact information of ICICI Prudential and it can be utilized only in Network Hospitals) 2. Claims and Pre-Authorization Forms

When there is a need for hospitalization, you can inform ICICI Prudential about hospitalisation by calling on the contact number provided on the health card. You need to provide following information when you call ICICI Prudential about the claim

Your Policy Number (as mentioned on the health card) Name of insured person who is hospitalized. Nature & Details (location, date of accident or commencement Name & Address of Hospital, where life insured is admitted

of sickness)

All the above information can be provided to ICICI Prudential immediately or prior to availing treatment and in any case within 4 days of hospitalization in case of a network hospital. 24*7 ClaimCare Cell: 1800-103-6363

Photocopies or duplicates of the following documents will be needed to process the claim: 1. Copy of policy certificate 2. Claimant's Statement form 3. Duly filled claim form (provided along with the welcome kit or available on our website) 4. Treating Doctor's Certificate 5. Copy of Indoor Case Papers 6. Hospital Discharge Card/Summary 7. Medical evidence in form of diagnostic reports, prescriptions, bills with breakup, any other document to support hospitalization / surgery. Besides the above, if required, ICICI Prudential may request for additional documents / information, if any, for processing the claim. 1. CASHLESS Hospitalisation in a NETWORK HOSPITALS a. PLANNED HOSPITALISATION Step 1: Call and inform ICICI Prudential (on the help line number provided on the reverse of the health card) about the planned hospitalization 4 days prior to the treatment, before admitting into the hospital. Step 2: Download the pre-authorization form from or you could even visit any of our branches. Step 3: To gain access to the network hospitals, just show your health card and also submit a duly filled pre-authorization form at the treating hospital. Step 4: The forms shall be scrutinized and further processed and the cashless facility will be activated. We will inform you about the cashless facility being activated through SMS. Also the status of the case will be updated on the website. Step 5: On discharge, you need to sign the required documents at the hospital. Step 6: ICICI Prudential will pay the amount to hospital. b. EMERGENCY HOSPITALISATION Step 1: In case of emergency, first admit the patient in the Hospital and then inform ICICI Prudential, within 24 hours. You can call up on the number provided on the reverse of the health card. Step 2: As it's an emergency, you have the facility of collecting the pre-authorization form from the treating hospital or you could even download the pdf format from the website. Step 3: Show your health card to the network hospital and also submit the preauthorization form to the treating hospital.

Step 4: The forms shall be scrutinized and further processed and the cashless facility will be activated. Step 5: On discharge, you need to sign the required documents. Step 6: ICICI Prudential will pay the hospital. The Cashless Settlement Scenario:

Hospital bill amount is more than your eligible amount: ICICI prudential settles the eligible amount with the hospital and balance bill amount is payable by you. Hospital bill is less than eligible amount: ICICI Prudential settles the claim with the hospital and the balance eligible amount is paid to you

2. HOW TO CLAIM IN CASE OF HOSPITALISATION IN NON-NETWORK HOSPITALS While it's suggested that you choose a network hospital, you are at liberty to choose a Non-network hospital also. In case you avail treatment in a non-network hospital, ICICI Prudential will pay you the eligible amount as per the plan opted by you. Step 1: Get admitted to the hospital and take the complete treatment. Step 2: Settle the relevant bills in full, on discharge. Step 3: Collect all the treatment papers along with the doctor's prescriptions, investigation reports, Hospital Discharge card, photocopies or duplicates of medical bills and receipt of hospital Bills and copy of FIR (if any, in case of an accident). Step 4: Lodge your claim by filling in the claim form (you can collect the claims forms your nearest ICICI Prudential branch or the website.) and attach all the required documents, within 60 days from the date of discharge. The claim will be processed within 7 working days from the date of receiving all the required documents.

Why Crisis Cover ?

Life is hectic in today's fast paced world. Along with the rapid pace and progress comes the bane of modern life such as increased stress, poor diet and lack of exercise. The alarming aspect is that, owing to these factors, more and more Indians are becoming vulnerable to critical illnesses every year. These illnesses, coupled with increasing costs of treatment, have made recovery a long and expensive process. It goes without saying that securing your family's financial future is a part of prudent financial planning. However, no less important is your health and well-being, for which

you need a comprehensive health coverage. And, given our lifestyles, it should ideally be a plan that provides complete protection against Disease, Disability and Death.

Keeping this need in mind, ICICI Prudential Life Insurance presents Crisis Cover. This all-inclusive long term insurance policy provides coverage against 35 critical illnesses, total and permanent disability, and also death. So, get the right protection tailored to suit your lifestyle, with this plan which is Comprehensive Affordable Long Term

Key benefits of Crisis Cover

Benefit amount paid on diagnosis of any of the 35 diseases (critical Illnesses), disability or death Receive lump-sum benefit amount irrespective of actual billing Benefit amount will be paid in addition to payment received by you from other medical insurance plan Long term coverage upto 75 years of age Coverage continues even after claiming benefit on select critical illness Premium paid is eligible for deduction under section 80C & section 80D*

The overall limit of deduction for investment u/s 80C & u/s 80D of the Income Tax Act, 1961 are Rs. 1,00,000 & Rs. 15,000 respectively, subject to conditions mentioned therein.

How does Crisis Cover work? 1. Choose a Sum Assured under Crisis Cover 2. Pay Premium based on your age and sum assured and term of cover chosen 3. Get the applicable sum assured in the event of being diagnosed with a critical illness or on being rendered totally disabled or on death, whichever occurs first. 4. Remain covered even after a claim on select Critical Illnesses Get the Sum Assured on under the plan on first occurrence of Death or Total Permanent Disability or on diagnosis of any one of the following 35 Critical illnesses. Flexible Payouts for the 35 Critical Illnesses covered Flexible payouts for 35 Critical Illnesses covered are as below:

CI with Full Payout Advantage

Apallic Syndrome Benign Brain Tumour Blindness Brain Surgery Cancer Chronic Lung Disease Coma Coronary Artery Bypass surgery End stage liver disease Heart Attack Heart Valve Surgery Kidney Failure Loss of Independent existence Loss of Limbs Major Burns Major Head Trauma Major Organ Transplant Paralysis Stroke

CI with Coverage Continuation Advantage Angioplasty* Alzheimer's Disease Aplastic Anaemia Cardiomyopathy Deafness Loss of Speech Medullary Cystic Disease Motor Neurone Disease Multiple Sclerosis Muscular Dystrophy Parkinsons Disease Poliomyelitis Primary Pulmonary hypertension SLE with Lupus Nephritis

Surgery to aorta Terminal Illness

The Critical Illnesses with Full Payout Advantage : Get the full benefit amount for Critical Illnesses covered under this category. The benefit amount payable is equal to the full sum assured chosen under the policy. The Critical Illnesses with Coverage Continuation Advantage : The maximum benefit amount payable is Rs. 500,000* for Angioplasty and Rs. 1,000,000 for all other critical illnesses in this category and the cover continues for all other remaining illnesses benefits for the remaining sum assured chosen under the policy.The premium is also revised proportionately on the following Policy anniversary for the reduced Sum Assured. * 50% of sum assured with a max limit of Rs. 500,000 Death or Total & Permanent Disability The Full Sum Assured as chosen under the plan is paid in the event of Death or Total Permanent Disability of the Life Assured. This benefit is payable even if death or disability occurs because of an accident. Claims Process made simple Our claims process is an easy 3-step process. This will ensure that you get a hassle-free and convenient claims experience. 1. Submit a written notice along with the proof of diagnosis of the critical illness / disability / death required for claim. 2. The company verifies the documents and admits the claim. 3. The company pays the entire benefit amount as applicable

Why Cancer Cover ?

As someone who has seen family members and friends struggle to survive Cancer, you have undoubtedly suffered yourself. You know the extent to which the illness drains the family; that the loss is both emotional, and financial.

You would have also read, time and again, articles where medical experts unanimously agree that Cancer can attack anyone, anywhere, at any time. But this truth is only one part of the whole picture. Doctors also verify that those with a family history of Cancer are especially prone to being affected by it. Given all these important facts, have you stopped for a moment and asked yourself, "Why have I not insured myself against Cancer?" ICICI Prudential suggests you insure yourself, right away, with Cancer Care-a comprehensive Cancer insurance policy, which enables you and your family to stay financially and mentally secure should you be diagnosed with early or advanced Cancer. Read more about the features and benefits of this plan that provides you with a Sum Assured of up to Rs. 25 lakhs.

Types of Cancer covered by cancer cover Cancer Care covers most forms of early and advanced stages of cancer that affects both men and women. Following are the most common cancers that are covered under Cancer care: Cancers that commonly affects women:

Breast Cancer Cancer of Cervix Ovary Cancer Oesophagus Cancer Lung Cancer

Cancers that commonly affects men:

Lung Cancer Oesophagus Cancer Larynx Stomach Cancer Hypolarynx Cancer Prostrate Cancer

Early cancers that affect men and women:

Hodgkins Disease Chronic Lymphocitic Leukemia Chronic Lymphocitic Leukemia Cancer of Colon or Rectum Cancer of Urinary Bladder Cancer of the stomach, large bowel, bladder, head and neck, liver, pancreas, gall bladder, brain, kidney, lymphoma, leukemia, thyroid, and skin. These cancers also affect men and women at an advanced stage.

Benefits and features of cancer cover Comprehensive cancer insurance plan: Get covered for most forms of cancer. Unique design: Receive pay benefits at both early and advanced stages. Cash payouts: Meet your expenses at for diagnosis, treatment and surgery, with cash payouts at various stages. Sum Assured up to Rs. 10 lakhs: Receive this amount for a premium as low as Rs. 250 a month. Benefits accrued: The benefits accrued if you purchase 10 units (equivalent to Rs. 10 lakhs) of Cancer Care are enumerated in the table below: If an early Cancer claim has been made Rs. 1 lakh Rs. 1 lakh Rs. 5.5 lakh Rs. 1 lakh Rs. 1.5 lakh Rs. 10 lakh If no early Cancer claim has been made NA NA Rs. 6.5 lakh Rs. 1.5 lakh Rs. 2 lakh Rs. 10 lakh

Diagnosis of Early Cancer* Oncological Treatment Benefit for Early Cancer Diagnosis of Advanced Cancer Oncological Treatment Benefit for Advanced Cancer Surgery for Advanced Cancer Maximum Cover

No medical bills required: Enjoy a hassle-free claim procedure. Receive the benefit amount without showing any medical bills. No medical examinations: Enjoy a waiver on medical examinations if you purchase up to 15 units (equivalent to Rs. 15 lakhs).

Waiver of premium: Have your premiums waived if diagnosed with advanced Cancer. Tax benefits:Enjoy tax benefits on the premiums you pay (under u/s 80 D).

Why ICICI Pru Diabetes Care Active ?

According to the WHO, India is the diabetes capital of the world, with more than 20% of the diabetes cases. The main causes are our sedentary lifestyle, poor eating habits and genetic pre disposition. India also has a high prevalence of people with Impaired Glucose Tolerance (IGT) or Impaired Fasting Glucose (IFG), pre-diabetic conditions, which lead to diabetes if not managed early. Moreover, there is an increasing trend of onset of these conditions at younger ages in India. For the many diabetics, the above translates into an altered lifestyle characterized by change in food habits, physical activity & medication. It also brings along many serious health complications such as heart attack, kidney failure & stroke, which may entail a huge financial burden. On the other hand, regular monitoring, life style changes, medication and diet control, can lead to a healthy life and postpone or possibly even avoid the complications. Keeping in mind the above, ICICI Prudential proudly presents ICICI Pru Diabetes Care Active. This offering aims to provide you a comprehensive diabetes management solution. While our Wellness Programme ensures that you stay healthy, our insurance guarantees financial assistance in case a critical illness does strikes. The plan aims to encourage, enable & offer you incentives to manage your diabetes by reducing premiums for good diabetes management.

Key Benefits of ICICI Pru Diabetes Care Active

Wellness Programme to help you manage diabetes avoid complications o Regular medical testing and annual doctor consultation o Diabetes Coach to facilitate diabetes management o Special offers from our healthcare partners o Support through online tools Reduced premiums upto 20% on showing good control over your diabetes Lump-sum amount paid on diagnosis of 7 critical illnesses including Angioplasty Long term coverage upto 65 years of age Tax benefits under section 80D of the Income Tax Act, 1961

Features and Benefits of ICICI Pru diabetes Care active Managing your Diabetes is the key to staying healthy To enable you to regularly monitor your health and take necessary care, the policy provides for a wellness programme, under which, you have to undergo checkups as per a defined protocol every six months. This protocol is described below and would be applicable in each policy year.

6th month of every policy year: HbA1c test, blood pressure and pulse 12th month (except in the last policy year*): HbA1c, lipid profile, blood pressure, pulse rate and a doctor consultation

* The annual check-up would however not be provided for in the last policy year as it would coincide with the end of the policy term.

Claim Process
Our claims process is an easy 3 step process. This will ensure that you get a hassle-free and convenient claims experience. 1. Submit a written notive along with proof of diagnosis of criticall illness/ surgery, required for the claim. 2. The company verifies the documents and admits the claim. 3. The company pays the entire benefit amount as applicable.

What does ICICI Pru Diabetes Care Active cover Financial Cover

What does ICICI Pru Diabetes Care Active not cover Financial Cover

Lumpsum paid on diagnosis of 7 Critical Illnesses i.e. Heart Attack, Stroke, Bypass Surgery, Major Organ Transplant (as recipient), End Stage Renal Failure, Cancer, and Angioplasty. (Please refer to finacial support section for detailed description)

The policyholder needs to survive beyond 10 days of diagnosis of Critical Illness (CI) to be eligible for a claim payout

Diagnosis & Testing Wellness Programme Regular free testing (HbA1c, Blood Pressure, and pulse rate test) on every 6th month/year during the policy term.

Diagnosis & Testing

An annual comprehensive medical checkup will be provided at the end of the each policy year (except in last policy year). One free consultation with an expert physician every year. Test results will be available on the diabetes care website

Test results from diagnostic centers or doctors who are not from our empanelled network will not be accepted / will not be reimbursed. Any additional consultation or tests conducted will not be covered or reimbursed under the plan. No payment / benefit will be available against tests not done.

Advantages of ICICI Pru Hospital Care

Payout in addition to other plans Cashless hospitalisation Multiple claims Transparent coverage norms Guaranteed coverage
Tax benefit*

Benefit amounts of ICICI Prudential Hospital Care

Benefit Daily Hospitalisation Cash Benefit (per day) ICU (Intensive Care Unit) Benefit per day) Recuperating Benefit Surgery Benefit Surgery grade 1: Tennis elbow release, bladder stone removal Surgery grade 2: Hernia, Removal of uterus Surgery grade 3: Removal of kidney, removal of thyroid gland Surgery grade 4: Open heart surgery, removal of brain tumor 15,000 50,000 75,000 1,00,000 Plan A (Rs.) 1,000 500 3,000

Benefit limits
Hospital Care policy offers you high benefit limits. For instance, under plan A, you can claim up to Rs.4 lacs for multiple claims, including surgical benefit up to Rs.3 lacs annually. However, for the entire policy term, you can make multiple claims up to Rs.20 lacs. Benefit Limits Yearly Limit Surgical benefit Policy Term Limit (upto 20 years) Plan A (Rs.) 4,00,000 3,00,000 20,00,000

Typical Example
In case you opt for plan A, then for an 8-day hospitalisation, your benefit amount is 8 days * Rs. 1,000 per day = Rs. 8,000 + Recuperating Benefit = Rs. 3,000 Total benefit amount = Rs. 11,000

Claim Process of ICICI Prudential Hospital Care Policy

When there is a need for hospitalization, you can inform ICICI Prudential about hospitalization by calling on the contact number provided on your health card. You need to provide following information. Your Policy Number (as mentioned on the health card) Name of insured person who is hospitalized. Nature & Details (location, date of accident or commencement of sickness) Name & Address of Hospital, where life insured is admitted Photocopies or duplicates of the following documents will be needed to process the claim Copy of policy certificate Claimant's Statement form Duly filled claim form (provided along with the welcome kit or available on our website) Treating Doctor's Certificate Copy of Indoor Case Papers Hospital Discharge Card/Summary Medical evidence in form of diagnostic reports, prescriptions, bills with breakup, any other document to support hospitalization / surgery.

QUESTIONAIRE

1. How is our products performance ? 2. Our which product sold more by you ? 3. What is the reason of more sale of that product ? 4. What kind of products demanding more by customers ? 5. How much our products you sells in a month ? 6. Are you satisfied with our company or not ? (If No, why) 7. Which type of customers likes our products more ? (Age or group) 8. Are you receiving the regular payout from our company ? 9. How can we increase the sales of our products ? (Suggestions) . . . 10. Are you selling the other companies products also ? 11. How much products of other companies you are selling in a months ?.

(Munish Kumar)

LEVEL OF SATISFACTION OF DOCTOR,S AND PATIENTS

According to the survey of Doctors and patients, it is found that the patients and doctors (ICICI Prudential) are satisfied more than other company products and services. The result of survey later done ensures the positive attitude of Doctors and patients towards company Products and performance therefore the company making the new mile stones in the sector of life insurance policy and stand in the way of being market Pioneer.

INDEX, ANALYSIS & INTERPRETATION AND CONCLUSION WILL BE MADE.