HDFC Chubb General Insurance Company Limited Launches

1. HDFC Chubb General Insurance Company LimitedLaunches

2. About us - HDFC Chubb General Insurance • Joint venture with Chubb Corporation, USA - a leading property & casualty insurer • with $ 38 Billion in assets; • one of the largest Property & Casualty insurance company; • the 3rd most respected financialcompany by the Financial Times • Paid up capital at Rs 120 Crores with HDFC holding 74% & Chubb Corporation the remaining 26% • HDFC & Chubb collectively bring an experience of over a 100 years in the financial sector

3. Healthwise – Hospitalization & Injury • Unique combination of In-hospital medical expenses & Accidental injury benefits (Accidental Death, Permanent Disability & Broken Bones) • Offers 4 options from a minimum coverage of Rs. 2 Lakhs to a maximum of Rs. 4 Lakhs on a Self plan • 3 options for a Family plans ranging from Rs 1 Lakh to a maximum of Rs 3 Lakhs (individual coverage amounts – Self & Spouse) • Pays for hospitalisation due to sickness or accident up to the sum insured selected • The cover provided is applicable 24 hours a day, 7 day a week, 365 / 366 days of the year • The individual stands protected by this plan in India (Only Sickness) and any other location worldwide (Accidental Death, Permanent Disability & Broken Bones)

4. Healthwise – Hospitalization & Injury • Key benefits of the plan - • Emergency Medical Expenses (In hospital medical expenses) - Reimburses costs incurred as a result of hospitalization for more than 24 hrs due to Sickness and Accident • Hospital Cash - Provides a daily benefit of Rs. 500 up to a maximum of 30 days in case of hospitalization due to an sickness or accident • Accidental Death - Covers the insured in case of loss of life in an accident up to 100 % of the Sum Insured

5. Healthwise – Hospitalization & Injury Key benefits of the plan (cont’d) • Permanent Disability - Pays a benefit up to the maximum Sum Insured if the insured is permanently disabled due to an accident. • Broken Bones - Pays up to the maximum Sum Insured in the event of bodily injury resulting in broken bones due to an accident

6. Healthwise – Benefit details In hospital medical expenses + Hospital Cash & Accidental Injury

7. Healthwise – Hospitalization & Injury Emergency Medical Expenses – Benefit details • Pays for hospitalisation charges incurred due to an accident or sickness up to the Sum insured e.g. • Diagnostics related to hospitalisation • Room charges (Semi-private), Surgery, Medication, etc • Expenses incurred on pre -existing disease is not covered under this plan • Does not pay for cosmetic surgery, dental treatment, spectacles, contact lenses, • Sickness related claims shall not be entertained for the first 30 days from the inception of the policy • Expenses incurred on disease such as cataract, piles, sinusitis, arthritis, etc is excluded during the first two years of the policy • AIDS, Pregnancy, Miscarriage / Abortion is excluded under the policy • Alternative therapy – Ayurvedic, Homeopathic, etc is not covered under policy

8. Healthwise – Hospitalization & Injury Premium Table • Figures in brackets indicates Tax benefit amounts under Sec 80 D • Coverage under Self & Spouse are individual sum insured values under the plan

9. Healthwise – Hospitalization & Injury Self Plan - Benefits • Self & Spouse Plan - Benefits Self Plan - Benefits • Self & Spouse Plan - Benefits 10% deductible on In hospital medical expenses & 3 day time deductible for Hospital Cash applicable on all plans

10. Healthwise – Hospitalization & Injury Policy Features - • Policy renewal & premium – Annual • Pay mode - Standing instructions/ Direct debit / Credit Card / Cheque dependent on the channel of distribution • 10% discount on premium for Self & Spouse plans • Tax benefit under sec 80 D on the premiums paid for Emergency Medical Expense and Hospital Cash (Amounts to approximately 90% of the premium paid) • Age criteria – entry age is between 18 years to 45 years and can be renewed till 65 years • Hassle free process – No medical test or history required

11. Why purchase Healthwise ? • Provides the family with additional financial security • Investments need not be broken to meet hospitalization expenses • Extends coverage for accidental injury too besides treatment of such injuries if admitted to hospital for over 24 hours • No medical test required - Pre-approved product • No documentation required • Broken Bones benefit given over and above the Hospitalization benefit • Tax benefits under Section 80 D for the Emergency Medical Expense and Hospital cash • It’s an inexpensive option to secure oneself and immediate family

12. Why have the Hospitalisation benefit ? Some Facts • 30 % of the hospitalisation expenses are managed through borrowings and asset sale • Declining trend in personal savings and increasing life-style related diseases / sickness • A large percentage of the upper income would utilise their past savingto cover health related expenses • Only 6% have the company/ insurance cover Source Cehat India Internet

13. Why the Personal Accident benefit? • Don’t need it - very few people die of an accident • Accidents do happen! In India there is an accidental death every 2 minutes, resulting in over 2.15 Lakh families losing an earning member and less than 6000 die due to a heart attack • More than 80,000 people are killed on Indian roads every year, disability figures are 10x • Another 1.2 million are injured. • While India has one of the lowest vehicle penetration ratios, its ratio of road fatalities, at 14 per 10,000 vehicles, is among the highest

14. Healthwise – Hospitalization & Injury • Permanent Total Disability - Table of benefits

15. Healthwise – Hospitalization & Injury • Broken Bones - Table of benefits

16. Healthwise – Hospitalization & Injury • Broken Bones - Table of benefits (cont’d)

17. Recap on product • Benefits • Emergency medical expenses ( Up to the Sum Insured ) Broken Bones (up to the Sum Insured), Hospital Cash (Rs.500 per day ), AD (100% of Sum Insured), PTD (up to 100% of Sum Insured) • Annual policy with approximately 10% discount on Self and Spouse option • Sum Insured • 4 Self plans - Sum Insured Rs. 2 Lakhs to Rs 4 Lakhs • 3 Self & Spouse Plans – Sum Insured Rs. 1 Lakhs to Rs 3 Lakhs • Premiums ranging from Rs. 4,974 to Rs.17,424 • Payment methods • Standing Instruction / Direct Debit (HDFC Bank Accounts ) / Credit Card / Cheque – dependent on channel of distribution

18. Mandatory requirements on proposal form • Name, address & contact number • Date of birth & sex • Beneficiary or nominee details – Name & relationship • Selection of plan - Sum Insured • Payment mode – if SI / DD then correct HDFC Bank Account Number • Declaration on the proposal form about other Personal Accident policies bought from HDFC Chubb and other insurers

19. Mandatory requirements on proposal form - Cont • Occupation details compulsory • Signature on proposal form - MOST IMPORTANT • Bank Account number • Income criteria (Declaration based) –

20. Healthwise • Negative List: • Individuals with pre-existing diseases such as Cancer, AIDS, etc. • Armed Forces (Army / Navy / Air Force) • Para-military Forces (BSF, RAF, CRPF, etc) • Professional Sports Persons • Hazardous Sports (Bungee jumping, Jet-Skiing, Para-gliding, etc) • Merchant Navy • Airline Pilots • Off-shore Workers (Oil rigs / Drilling platforms)

21. Claims • HDFC Chubb endeavours to provide and set standards for any insurance settlement or claim • These standards being based on our value systems as an organization, which are - • Honesty • Integrity • Fairness • Transparency • Commitment • This in turn supported by Chubb’s philosophy the world over to provide a fair, just and timely settlement of all claims

22. Claims • HDFC Chubb provides a call-center to address any claim related calls • This call-center is not limited to the geographic locations of our operations - All India coverage supported by a toll-free line1 800 226 226 • In the event of having to notify a claim, telephone calls shall be addressed by trained personnel and guidance will be provided • All claims registered with HDFC Chubb shall be settled in 7 working days from the date of receiving complete documentation

23. Thank you