Future Aarogya Bima From Future Generali

1. PROTECTING YOUR ENTIRE FAMILY IS NOW WITHIN YOUR REACH. Health Insurance for the family at an affordable premium. 1800-220-233 general.futuregenerali.in Follow us on:

2. What is Future Aarogya Bima? Future Aarogya Bima is an affordable health insurance policy that covers entire family. Benefits • Single plan, wider coverage for the whole family at a reasonable premium • Sum insured on Individual and Floater basis Schedule of Benefits Future Aarogya Bima A Eligibility 2 Lac, 3 Lac, 5 Lac Sum Insured options (in `) Entry age of Proposer Entry age of Child Maximum Renewal Age Individual/ Family Floater Sum Insured options Policy Term Family Definition* – Individual SI Family Definition* – Family Floater SI Plan options 18 years – 70 years From birth – 25 years Lifelong Individual/ Family Floater 1/ 2/ 3 years S+Sp+4C+2P S+Sp+3C 1. Plan A – with Mandatory co-payment of 10% 2. Plan B – with Mandatory co-payment of 10% and additional co-payment of 20% 3. Plan C – with Mandatory co-payment of 10% and additional co-payment of 30% The above co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. Covered up to 1% of Sum Insured per day B Hospitalisation Benefits Hospitalisation Room rent including Boarding, Nursing expenses Day Care Treatment Pre- Hospitalisation for 60 days and Post-Hospitalisation for 90 days 1. Long term discount (2 and 3 year policy term) in case of single payment of premium - 5% discount for 2 years policy, 10% for 3 years policy. 2. Family discount - 5% discount if more than 1 member is covered under single proposal with Individual sum insured C Other Benefits Covered Pre and Post hospitalisation combined expenses subject to 2% of Sum Insured opted D Discount

3. E Instalment option (monthly, quarterly, half yearly) with Loading Available for policy term of 1/ 2/ 3 years. Loadings on standard premium will be applicable in case instalment facility is opted for premium payment. Instalment frequency Loading on standard premiums Monthly 5% Quarterly 4% Half-yearly 3% F Waiting Periods 1. 48 months Waiting Period for Pre-existing Disease 2. 48 months Waiting Period for any mental illness and psychiatric illness 3. 48 months Waiting Period for any hospitalisation expenses in connection with treatment for AIDS and/ or infection with HIV 4. 48 months Waiting Period for any hospitalisation expenses in connection with treatment for Behavioural and Neuro developmental disorders 5. 30 days Waiting Period, except for Accidental Hospitalization 6. 24 months Waiting Period for listed conditions Co-payments will be applicable: 1. as per plan opted 2. in case of admission in room with higher room rent 1. Mandatory Sub limits for Modern Treatment Methods and Advancement in Technologies 2. Co-payments will not be applicable in case there is a claim for the listed procedures mentioned in the Sub-limits Section. 1. Applicable for proposal form with any medical declaration for any sum insured 2. Mandatory Pre-insurance medical examination for age above 50 years G Co-payments H Sub limits Pre-insurance medical examination (* S- Self, Sp – Spouse, C – Dependent Child, P – Dependent Parents) I Pre-insurance medical examination • No pre-insurance medical test is required for Insured up to the age of 50 years, subject to no medical declaration in the pro- posal form. • Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance and 64 VB com- pliance. • All pre-insurance medical tests will be conducted at the Future Generali empanelled diagnostic centers only. • The test reports would be valid for a period of 30 days from the date of test conducted. • Underwriting loading, if any, shall be applicable on the individual’s insured premium based on health status declared on the proposal form and findings of medical tests conducted. Free Look Period 1. The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. 2. The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. 3. lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to: i. A refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or;

4. ii. Where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or; iii. Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period. Exclusions • Any condition, ailment, injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to the inception of your first policy until 48 months from the date of inception. • Any disease contracted during the first 30 days from the commencement of the policy. • Diseases/ surgeries like Cataract, Hernia, Tumour, Gallstones, Renal stones, etc shall be covered after a waiting period of 24 months. • Costs incurred on all methods of treatment including AYUSH treatments except Allopathic. • Congenital External Illness/ disease/ defect anomaly. • All expenses related to Sexually Transmitted Diseases (except treatment for AIDS and/ or infection with HIV, shall be covered after a waiting period of 48 months). • Expenses incurred towards treatment of illness or injury arising out of alcohol use/ misuse or abuse of alcohol, narcotic sub- stance or drugs (Whether prescribed or not). *The above list is indicative in nature, please refer to policy wordings for complete details. Basis of claims payment a) We shall make payment in Indian Rupees only. b) Co-Payments Applicable under the policy i. Mandatory co-payment – 10% co-payment is applicable on each and every claim, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. ii. Optional co-payment – You have the option to choose additional co-payment of 20% or 30% on each and every claim, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. Discount on premium will be applicable if additional co-payment is opted by the Insured. iii. Co-payment in view of admission in higher room category • In case Insured opts for a room with rent higher than the entitled room limit, the following co-payment will be applicable on the Associated Medical expenses (excluding pharmacy, consumables, implants, medical devices and diagnostics) Co-payment in case of admission in room with higher room rent is as below 200000 Applicable limit on the sum insured Applicable room rent above 2000 to 3000 300000 1% 3000 0% 500000 1% 5000 0% Sum insured (in `) 1% 2000 15%

5. above 3000 to 5000 above 5000 to 10000 above 10000 • Room, Boarding and Nursing Expenses as provided by the Hospital/ Nursing Home up to 1% of Sum Insured per day or actual, whichever is lower. • During your hospital stay if at any time you are admitted in a Non-ICU room having room rent of more than the defined limit then the co-payment shall be applicable on the total Associated Medical expenses (excluding pharmacy, consumables, implants, medical devices and diagnostics). • If a person is admitted in ICU any time during the hospitalisation and later shifted to Non-ICU room within the defined room rent limit, no co-payment shall apply and in case shifted to Non-ICU room with higher room rent limit, co-payment shall ap- plicable on the Associated Medical expenses (excluding pharmacy, consumables, implants, medical devices and diagnos- tics) applicable to Non ICU-Room. • Co-payment is not applicable in case of admission in an ICU room having room rent more than the defined limit. • If a person is admitted only in ICU during entire hospitalisation, we will pay up to actual expenses and no co-payment shall apply. • Co-payment on Associated Medical expenses (excluding pharmacy, consumables, implants, medical devices and diag- nostics) for opting a Non –ICU room with higher room rent limit is not applicable for those hospitals where differential billing based on the room category is not adopted. • Reasonable and Customary charges would be applicable only in cases where the services (like Professional Fees, OT charges etc), applied are higher as compared to standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/ injury involved. 15% 15% 15% 15% 15% 15% 0% 15% 15% c) Mandatory Sub limits for Modern Treatment Methods and Advancement in Technologies The Medical Expenses incurred for the below listed treatments or procedures, as inpatient or as day care treatment (inclusive of pre and post hospitalization), is restricted to 50% of the sum insured opted, per policy period. These Sub limits are applica- ble for all Plans under the product. i. Uterine Artery Embolization and HIFU ii. Balloon Sinuplasty iii. Deep Brain stimulation iv. Oral chemotherapy v. Immunotherapy- Monoclonal Antibody to be given as injection vi. Intra vitreal injections vii. Robotic surgeries viii. Stereotactic radio surgeries ix. Bronchical Thermoplasty x. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) xi. IONM - (Intra Operative Neuro Monitoring) xii. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered Co-payments will not be applicable in case there is a claim for the listed procedures mentioned in the Sub-limits Section.

6. Other features 1. There will be no loading on premium for adverse claims experience 2. Portability can be offered as per the Portability guidelines. 3. Migration can be offered as per the Migration guidelines. 4. Premium paid by any mode other than cash and demand draft is eligible for tax relief as provided under Section 80-D of the Income Tax Act. If you are suffering from an illness / disease or if you meet with an accident which requires hospitalisation, please contact us on the following: Claims Department Future Generali Health (FGH) Future Generali India Insurance Co. Ltd., Office No. 3, 3rd Floor, “A” Building, G-O-Square S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057. Toll Free Number: 1800 103 8889 / 1800 209 1016 Toll Free Fax: 1800 103 9998 / 1800 209 1017 Email: fgh@futuregenerali.in Premium Table – (Premium and Sum Insured in `, without Goods and Services Tax) a) Individual Premium Individual Premium Age in years Plan A 3 L 2488 2940 3496 3945 4647 5713 7365 9233 11234 13049 15156 17604 Plan B 3 L 1914 2289 2673 3021 3561 4382 5651 7087 8626 10204 11852 13711 Plan C 3 L 1588 1899 2262 2555 3011 3704 4777 5990 7290 8623 9932 11380 2 L 1992 2354 2799 3159 3721 4574 5897 7393 8995 10448 12135 14095 5 L 3318 3922 4664 5263 6199 7622 9825 12317 14987 17407 20218 23484 2 L 1530 1830 2137 2415 2847 3503 4517 5665 6895 8157 9474 10961 5 L 2567 3070 3586 4052 4777 5877 7580 9506 11570 13687 15898 18392 2 L 1267 1515 1805 2038 2402 2955 3811 4778 5815 6879 7924 9078 5 L 2143 2563 3053 3448 4064 4999 6446 8083 9837 11636 13404 15357 0 – 17 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above

7. b) Family Floater Premium Family Floater Premium – 2 Adults Age in years Plan A 3 L 4263 5069 5720 6738 8284 10679 13388 16289 18921 21976 25526 Plan B 3 L 3319 3876 4380 5163 6354 8194 10276 12508 14796 17185 19881 Plan C 3 L 2754 3280 3705 4366 5371 6927 8686 10571 12503 14401 16501 2 L 3413 4059 4581 5395 6632 8551 10720 13043 15150 17596 20438 5 L 5687 6763 7631 8989 11052 14246 17860 21731 25240 29316 34052 2 L 2654 3099 3502 4128 5079 6550 8214 9998 11828 13737 15893 5 L 4452 5200 5875 6927 8522 10991 13784 16777 19846 23052 26668 2 L 2197 2617 2955 3483 4285 5526 6928 8432 9975 11490 13163 5 L 3716 4427 5000 5893 7249 9347 11720 14264 16872 19436 22268 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above Family Floater Premium – 1 Adult + 1 Child Plan A 3 L 5 L 2 L 4263 5687 2654 4894 6530 2992 5326 7105 3260 6041 8059 3701 7141 9528 4379 8470 11299 5195 10156 13549 6232 12077 16111 7412 13701 18277 8565 15914 21229 9948 18484 24658 11509 Age in years Plan B 3 L 3319 3742 4078 4629 5478 6499 7796 9273 10714 12445 14397 Plan C 3 L 2754 3167 3449 3914 4630 5494 6589 7837 9054 10429 11949 2 L 3413 3919 4265 4837 5718 6782 8132 9670 10970 12742 14800 5 L 4452 5020 5470 6210 7346 8717 10457 12438 14371 16693 19312 2 L 2197 2527 2751 3123 3694 4383 5256 6251 7223 8320 9532 5 L 3716 4274 4655 5283 6249 7413 8891 10575 12218 14074 16125 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above

8. Family Floater Premium – 1 Adult + 2 Children Plan A 3 L 5 L 2 L 5586 7452 3477 6293 8395 3847 6707 8947 4106 7435 9918 4555 8570 11433 5255 9575 12773 5872 11080 14780 6798 12919 17235 7929 14354 19148 8973 16672 22240 10421 19364 25832 12057 Age in years Plan B 3 L 4349 4811 5136 5698 6573 7346 8504 9920 11224 13037 15082 Plan C 3 L 3608 4072 4344 4818 5556 6210 7188 8384 9485 10925 12518 2 L 4473 5038 5370 5954 6861 7666 8872 10344 11493 13349 15505 5 L 5833 6455 6888 7643 8816 9854 11407 13306 15056 17488 20231 2 L 2879 3249 3465 3843 4433 4954 5734 6687 7567 8716 9986 5 L 4870 5495 5862 6502 7499 8380 9700 11313 12800 14744 16893 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above Family Floater Premium – 1 Adult + 3 Children Plan A 3 L 5 L 2 L 6909 9217 4301 7691 10261 4701 8087 10789 4951 8829 11778 5409 9998 13339 6130 10679 14246 6550 12003 16012 7365 13762 18359 8446 15006 20018 9381 17429 23251 10895 20245 27007 12605 Age in years Plan B 3 L 5379 5881 6193 6766 7669 8194 9213 10567 11735 13630 15768 Plan C 3 L 4463 4976 5238 5721 6482 6927 7787 8930 9916 11422 13087 2 L 5532 6158 6476 7070 8005 8551 11694 11019 12015 13955 16209 5 L 7215 7889 8307 9076 10285 10991 12358 14173 15740 18283 21151 2 L 3560 3971 4178 4564 5171 5526 6211 7123 7911 9113 10440 5 L 6023 6717 7068 7722 8748 9347 10508 12050 13381 15415 17661 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above

9. Family Floater Premium – 2 Adults + 1 Child Plan A 3 L 5 L 2 L 5586 7452 3477 6468 8628 3953 7101 9473 4347 8132 10848 4982 9712 12957 5955 11784 15720 7227 14311 19091 8781 17132 22855 10515 19574 26111 12236 22734 30327 14211 26406 35226 16442 Age in years Plan B 3 L 4349 4945 5438 6232 7449 9042 10985 13155 15306 17778 20567 Plan C 3 L 3608 4185 4599 5269 6297 7643 9285 11117 12935 14898 17070 2 L 4473 5178 5686 6512 7776 9435 11459 13717 15672 18203 21143 5 L 5833 6634 7294 8360 9991 12128 14734 17644 20531 23847 27588 2 L 2879 3339 3668 4204 5024 6098 7406 8868 10319 11886 13617 5 L 4870 5648 6206 7112 8498 10314 12529 15001 17454 20106 23036 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above Family Floater Premium – 2 Adults + 2 Children Plan A 3 L 5 L 2 L 6909 9217 4301 7866 10494 4808 8482 11315 5192 9526 12708 5836 11140 14863 6831 12889 17194 7905 15234 20323 9347 17974 23979 11032 20226 26981 12643 23492 31338 14685 27286 36400 16990 Age in years Plan B 3 L 5379 6014 6495 7300 8545 9889 11694 13802 15816 18371 21252 Plan C 3 L 4463 5090 5493 6173 7223 8360 9884 11664 13366 15395 17639 2 L 5532 6298 6792 7628 8919 10320 12198 14392 16194 18809 21847 5 L 7215 8069 8712 9793 11460 13265 15685 18512 21215 24642 28508 2 L 3560 4061 4382 4924 5762 6669 7884 9304 10662 12282 14071 5 L 6023 6869 7413 8331 9748 11281 13337 15739 18036 20776 23803 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above

10. Family Floater Premium – 2 Adults + 3 Children Plan A 3 L 5 L 2 L 8232 10982 5124 9264 12360 5663 9863 13158 6038 10920 14568 6690 12569 16768 7707 13994 18668 8582 16158 21555 9914 18817 25103 11549 20878 27851 13051 24250 32349 15158 28166 37574 17538 Age in years Plan B 3 L 6409 7083 7553 8368 9640 10737 12402 14449 16326 18963 21938 Plan C 3 L 5317 5994 6388 7076 8149 9076 10483 12211 13797 15891 18208 2 L 6591 7417 7898 8744 10063 11204 12938 15067 16717 19416 22552 5 L 8596 9503 10130 11226 12929 14402 16636 19380 21899 25437 29427 2 L 4242 4783 5095 5645 6501 7241 8362 9740 11006 12678 14525 5 L 7176 8090 8620 9550 10998 12247 14145 16477 18618 21446 24571 18-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71 years and above * Plan A – with mandatory co-payment of 10% Plan B – with mandatory co-payment of 10% and additional co-payment of 20% Plan C – with mandatory co-payment of 10% and additional co-payment of 30% **Age in completed years *** In case of Floater policy, Premium would applicable as per the age of the eldest member in the family. **** The premiums above are subject to revision as and when approved by the regulator. However such revised premiums would be applicable only from subsequent renewals and with due notice whenever implemented. Disclaimer: For detailed information on this product, terms and conditions etc., please refer to the product policy clause, consult your advisor or visit our website before concluding a sale. Tax Benefits are subject to change due to change in tax laws. Insurance is the subject matter of solicitation.

11. Premium Illustration in respect of policies offered on individual and family foater basis Coverage opted on family floater basis with overall Sum insured (Only one sum insured is available for the entire family) Age of the members insured Coverage opted on individual basis covering each member of the family separately (at a single point in time) Coverage opted on individual basis covering multiple members of the family under a single policy (Sum insured is available for each member of the family) Premium (`) Discount, if any Premium after discount (`) Sum insured (`) Premium or consolidated premium for all members of family (`) Floater discount, if any Premium after discount (`) Sum insured (`) Premium (`) Sum insured (`) 41 years 46 years 17 years 20 years 14 years 7,622 9,825 3,318 3,922 3,318 500000 500000 500000 500000 500000 7,622 9,825 3,318 3,922 3,318 381 491 166 196 166 7,241 9,334 3,152 3,726 3,152 500000 500000 500000 500000 500000 28,005 9,337 18,668 500000 Total Premium for all members of the family is ` 28,005/-, when each member is covered separately. Sum insured available for each individual is ` 500000. Total Premium for all members of the family is ` 26,605/-, when they are covered under a single policy. Sum insured available for each family member is ` 500000. Total Premium when policy is opted on floater basis is ` 18,668/-. Sum insured of ` 500000 is available for the entire family. Note • This is just an illustration of premium calculation. • Premiums may vary with respect to Plan and Sum Insured opted by the insured. • Premium rates specified in the above illustration are the standard premium rates without considering any loading and/or discounts like – Online (Website) Sales discount etc. • In case premium is paid on instalment basis, the loading will be applicable accordingly. • Premium rates are exclusive of Goods and Services Tax applicable

12. Call us at: 1800-220-233 |1860-500-3333 | 022-67837800 | Website: https://general.futuregenerali.in Future Generali India Insurance Company Limited (IRDAI Regn. No. 132), (CIN: U66030MH2006PLC165287) Regd. and Corp. Office: 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083. Fax No: 022 4097 6900 | Email: fgcare@futuregenerali.in ARN: FG-NL/PD/MKTG/ENG/AAROGYABIMASEP2020-001BRO UIN: FGIHLIP21157V022021 ISO Ref. No.: FGH/UW/RET/211/03 For detailed information on the product including risk factors, terms and conditions, etc., please refer to the product policy clause, consult your advisor or visit our website before concluding a sale. Health products are eligible for deduction under Section 80D of the Income Tax Act. Tax benefits are subject to change due to change in Income Tax Act. Trade Logo displayed above belongs to M/S Assicurazioni Generali - Societa Per Azioni and used by Future Generali India Insurance Co. Ltd. under license. Future Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India Insurance Company Limited.