No Medical. No Jhanjhat. Ab Health Insurance Phataphat.

Birla Sun Life Insurance

Saral Health Plan

A plan that offers a comprehensive cover for all medical expenses

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

You have always wanted a plan that offers a comprehensive health cover for all types of medical expenses but may have found the process of buying one to be cumbersome and lengthy. With Birla Sun Life Insurance Saral Solutions, this could be a thing of the past. Introducing BSLI Saral Health Plan, a comprehensive health insurance plan that gives cover across - hospitalisation expenses, surgical expenses, critical illness and routine health care expenses. The salient benefits in this plan are: This is a whole life plan which provides you a fixed cash benefit to cover hospitalisation expenses for both surgical and non-surgical events. And, if you are diagnosed with a critical illness you also receive a lump sum amount in addition to the hospitalisation cash benefits

 You pay minimum policy premium to cover hospitalisation benefit and health reimbursement benefit, which you can use to cover your routine health and medical related expenses such as dental care, pathology expenses and other similar costs in the long run You may choose to pay additional premium towards enhancement of health reimbursement benefit And you get all this without having to undergo any medical tests. You only have to fill up a simple application form and reply to four questions related to your medical history This plan is meant for you if: You are in the age group of 18 to 50 years today Your replies to the questions relating to your medical history are favorable However, if you do not find this plan suitable our advisors will be happy to recommend alternate solutions from our wide range of BSLI Health and Wellness solutions or you could visit our website to explore all the options on your own.

THINGS YOU SHOULD KEEP IN MIND

The BSLI Saral Health Plan is a non-participating, unit linked health insurance plan. All unit linked health insurance plans are different from traditional insurance plans and are subject to different risk factors. The name of the investment funds and that of this plan do not in any way indicate the quality of the plan or future returns. In this plan, the investment risk in the investment options chosen by you is borne by you. Investment Funds are subject to investment risks and unit prices may go up or down reflecting the market value of the underlying assets. Past performance is no guarantee of future results.

THE SARAL PROCESS

You can buy this plan in 2 simple and convenient steps 1. Choose your pay term and health insurance benefit term You have an option to choose from 10 pay / 10 term, 10 pay / 20 term, 20 pay / 20 term. 2. Choose your additional premium (if any) You choose your additional premium to enhance your health reimbursement benefit to take care of your future Health & Medical related expenses. Your health insurance benefit is fixed at Rs. 10 Lacs. Above all, you don't go through the trouble of any medical test.

BENEFITS OF BSLI SARAL HEALTH PLAN

Health Insurance Benefit Your Health Insurance Benefit is for a sum assured of Rs. 10 Lacs. You can claim your benefit in case of Hospitalisation and/or in case of Critical Illness during health insurance benefit term. In case of Hospitalisation - every time you are hospitalised for a period of at least 48 hours and for medically necessary treatment of any illness or injury, you will receive for each day hospitalised (starting from the first day): a) Rs. 2,000 if you had no surgical procedure during your hospitalisation; or b) Rs. 4,000 if you had any surgery during your hospitalisation; or c) Rs. 8,000 if surgery directly involved your brain, heart (including coronary arteries), liver or lung. With regards to (b) only, the Rs. 4,000 claim is limited to 10 days per policy year. For any excess days hospitalised in this category, you will receive Rs. 2,000 per day.
Sample Case (a) Hospitalisation without surgery 12 days in hospital Total Benefit = Rs. 24,000 12 days in hospital @ 2000 each Sample Case (b) Hospitalisation for any surgery 12 days in hospital Total Benefit = Rs. 44,000 10 days in hospital @ 4000 each +2 days in hospital @ 2000 each Sample Case (c) Hospitalisation for heart surgery 12 days in hospital Total Benefit = Rs. 96,000 12 days in hospital @ 8000 each

In case of Critical Illness - should you ever suffer from one of the four covered critical illnesses - Heart Attack, Cancer, Stroke and Major Organ Transplant - then you will receive a lump sum equal to Rs. 20,000 times the policy year in which the critical illness occurred.
Heart Attack in policy year Total Benefit = Rs. 1 20,000 2 40,000 3 60,000 ... 10 200,000 and so on 20,000 x year

The Critical Illness benefit is payable only once during the health insurance benefit term and the life insured must survive at least 30 days from the date of diagnosis before the claim is eligible. The maximum amount that can be claimed under the Health Insurance Benefit is Rs. 2 Lacs per policy year in case of Hospitalisation and Rs. 10 Lacs over the health insurance benefit term in case of both Hospitalisation and Critical Illness combined.

Health Reimbursement Benefit Your policy premium is used to create a unit-linked fund which will take care of your future Health & Medical related expenses - such as: - General practitioners fees, medicines and drugs - Pathology and diagnostics expenses - Dental treatment - Ayurvedic and homeopathic treatment - Any health related expense not covered under medical insurance This benefit can be claimed after the completion of 5 policy years to an extent of 100% of the Fund Value. Simply produce bills or proof of expense and we will reimburse such expenses by reducing the Fund Value by the same. You can claim reimbursements 4 times a year free of charge subject to a minimum claim amount of Rs. 2000. Additional claims within a policy year will be subject to Rs. 250 claims charge. At all times the sum of all Health Benefits in a year shall never be lesser than 105% of the total premiums paid less total health reimbursement benefits availed till date. Guaranteed Addition At the end of the health insurance benefit term, your Fund Value will be augmented by a Guaranteed Addition, if all premiums are paid. The Guaranteed Addition is according to the following schedule:
10 Pay / 10 Term Minimum Guaranteed Addition Plus per Rs. 1,000 Additional Premium Rs. 3,000 Rs. 300 10 Pay / 20 Term Rs. 8,000 Rs. 800 20 Pay / 20 Term Rs. 10,000 Rs. 1,000

At the end of the health insurance benefit term, your Health Insurance Benefit will cease but any Fund Value balance will continue indefinitely until you have fully claimed Health Reimbursement Benefits against it. After the health insurance benefit term, only the fund management charge will be deducted from the Fund Value. Terminal Illness and Death Benefit In the unfortunate event you are diagnosed with a terminal illness or condition, you can claim the full Fund Value without submission of bills. This is to ensure you are not burdened with medical expenses in times of crisis. In the unfortunate event of your demise, the nominee will receive the Fund Value.

Current Tax Benefits The policy offers tax benefits under Section 80D of the Income Tax Act, 1961. Under Section 80D, premiums up to Rs. 15,000 are allowed as a deduction from your taxable income each year.

POLICY PREMIUM
Your policy premium is Minimum Policy Premium applicable as per your age, gender and pay term / benefit term plus your chosen additional premium (if any) subject to a maximum policy premium of Rs. 40,000.

YOUR INVESTMENT OPTION

Simplicity being our guiding theme, we offer one simple option for your convinence. LifeCycle Option Under the LifeCycle Option, your portfolio will be structured as per your age and risk profile you can decide whether you are conservative, moderate or aggressive in your approach towards investments. Your portfolio will then be monitored and administered by us, saving you the time and effort involved in overseeing it yourself. We automatically shift your investments from riskier assets to safer assets in line with your increasing age and risk profile. We will invest your premiums between the two investment funds, Maximiser (100% equity) and Income Advantage (100% debt) in a predetermined proportion based on the selected risk profile and your age when the premium is invested. Details about these two funds are explained later. The proportion invested in Maximiser (100% equity) will be according to the schedule given below - the remaining amount will be invested in Income Advantage (100% debt):
Age Risk Profile Conservative Moderate Aggressive 18 - 30 50% 70% 90% 31 - 40 40% 60% 80% 41 - 50 30% 50% 70% 51 - 60 15% 35% 55% 61 - 70 0% 20% 40% 71+ 0% 5% 25%

For example - if person A aged 35 years, opts for a health insurance benefit term of 20 years with LifeCycle Option and a conservative risk profile, then based on the age and the risk profile the investment portfolio will change with time as below:

Percentage of investments in Age Maximiser Age 31-40 Age 41-50 Age 51-60 40% 30% 15% Income Advantage 60% 70% 85%

Switching your Risk Profile - You can change your risk profile at any time with no additional cost. All premiums paid from that point onwards will be invested in the Maximiser and Income Advantage according to your new risk profile. Automatic Rebalance of your investments - We will automatically rebalance your investment portfolio on each policy anniversary to ensure that it maintains the predetermined proportion in Maximiser and Income Advantage as per the risk profile you have selected at no additional charge.

INVESTMENT FUNDS
Income Advantage Objective: To provide capital preservation and regular income, in high quality debt instruments. Strategy: To actively manage the fund by building a portfolio of fixed income instruments with a medium term duration. The fund will invest in government securities, high rated corporate bonds, high quality money market instruments and other fixed income securities. The quality of the assets purchased would aim to minimize the credit risk and liquidity risk of the portfolio. The fund will maintain reasonable level of liquidity. Maximiser Objective: To provide long term capital appreciation by actively managing a well-diversified equity portfolio of fundamentally strong blue chip companies. Strategy: To build and actively manage a well-diversified equity portfolio of value and growth driven stocks by following a research focused investment approach. While appreciating the high risk associated with equities, the fund would attempt to maximize the risk-return pay off for the long-term advantage of the policyholders. The fund will also explore the option of having exposure to quality mid cap stocks. The non-equity portion of the fund will be invested in good rated money market instruments and fixed deposits. The portfolio of different investment funds is given below:
Investment Fund Income Advantage Risk Profile Very Low Segregated Fund Identification Number ULIF01507/08/08BSLIINCADV109 Equities & Equity Related Securities Debt Instruments, Money Market & Cash Maximiser High ULIF01101/06/07BSLIINMAXI109 Equities & Equity Related Securities 80% 100% 0% 0% 0% 20% Asset Allocation* Debt Instruments, Money Market & Cash Min. Max.

100% 100%

*In each investment fund, the Money Market & Cash asset allocation will not exceed 40%. Money Market
Instruments are debt instruments of less than one year maturity. It includes mutual funds, collateralised borrowing & lending obligation, certificate of deposits, commercial papers etc. Investment in Money Market Instrument supports for better liquidity management.

This plan does not offer premium redirection or switching between investment funds, except switching of risk profile under the LifeCycle Option.

MONITORING YOUR INVESTMENTS

You can monitor your investments On our website (www.birlasunlife.com) with your CPIN and TPIN number; Through the annual statement detailing the number of units you have in each investment fund and their respective unit price as of the last policy anniversary; and Through the published unit prices of all investment funds on our website as well as in the newspapers.

POLICY CHARGES
Premium Allocation Charge Premium allocation charge is deducted from the policy premium before it is invested in the chosen funds. Premium allocation charge is deducted on the Rs. 10,000 of Minimum Policy Premium plus Additional Premium (if any). It is guaranteed never to increase.
Premium Allocation Charge Policy Year 1-3 4 onwards 10 pay / 10 term 17.00% Nil 10 pay / 20 term 24.00% Nil 20 pay / 20 term 30.00% Nil

Policy Administration Charge A policy administration charge of 0.25% per month on the Rs. 10,000 of Minimum Policy Premium plus Additional Premium (if any) is deducted monthly by canceling units from the investment fund/s at that time. This charge is guaranteed to never increase for the first three years, after which it can be increased by no more than by 5% per annum since inception. Fund Management Charge The daily unit price of each investment fund is adjusted to reflect the fund management charge. This may be increased by us in the future subject to IRDA approval.
Investment Fund Income Advantage Maximiser Fund Managment Charge 1.00% 1.35%

Morbidity Charge Morbidity charge is deducted every month during the premium paying term for providing you with the insurance cover. It is charged by canceling units from the investment fund/s at that time. It is guaranteed for 3 years and can be revised thereafter subject to IRDA approval. Sample rates are provided for your reference. Please visit our website or ask your financial advisor for the rates applicable to you.
Annual Morbidity Charge Male Entry age 18-25 30 35 40 45 50 10 pay/ 10 term 1,686 1,812 2,043 2,493 3,134 4,083 10 pay/ 20 term 3,562 4,278 5,314 7,009 9,576 13,069 20 pay/ 20 term 2,180 2,603 3,276 4,365 6,023 8,289 10 pay/ 10 term 1,686 1,756 1,934 2,282 2,847 3,657 Female 10 pay/ 20 term 3,562 3,950 4,844 6,237 8,448 11,523 20 pay/ 20 term 2,180 2,404 2,968 3,869 5,289 7,303

Health Reimbursement Benefit Charge No charge is levied on the first 4 Health Reimbursement Benefit claims in a policy year. Subsequent claims will be charged Rs. 250 per claim. This charge may be increase in future subject to a maximum of Rs. 1,000.

Revival Charge An amount of Rs. 100 is charged for policy revival. This amount may increase in future subject to a maximum of Rs. 1,000. Service Tax Service Tax and other levies, as applicable, will be extra and levied as per the extant tax laws. IRDA Approval Only when specified and within stated limits, we may increase a particular charge at any time in the future. We, however, need to get prior approval from the IRDA before such charge increase is effective. Otherwise, all other charges in this policy are guaranteed to never increase during the tenure of the policy.

POLICY PREMIUM
You can choose to pay your premiums monthly, quarterly, semi-annually or annually, as per your convenience. Your premium payable is the minimum policy premium plus additional premium chosen by you subject to a maximum policy premium of Rs. 40,000. Minimum Policy premium is:
Entry Age Male 18-25 26 27 28 29 30 31 32 33 34 35 36 37 Female 18-27 28 29 30 31 32 33 34 35 36 37 38 39 10 pay/ 10 term 11,859 11,886 11,912 11,937 11,965 11,999 12,036 12,081 12,133 12,191 12,254 12,329 12,416 10 pay/ 20 term 13,928 14,055 14,200 14,357 14,530 14,719 14,908 15,117 15,343 15,588 15,861 16,168 16,507 20 pay/ 20 term 12,405 12,478 12,560 12,652 12,755 12,871 12,992 13,126 13,274 13,435 13,613 13,811 14,028 Entry Age Male 38 39 40 41 42 43 44 45 46 47 48 49 50 Female 40 41 42 43 44 45 46 47 48 49 50 10 pay/ 10 term 12,517 12,629 12,750 12,871 13,001 13,140 13,290 13,457 13,636 13,828 14,034 14,256 14,504 10 pay/ 20 term 16,879 17,285 17,731 18,220 18,751 19,318 19,919 20,562 21,243 21,960 22,710 23,520 24,415 20 pay/ 20 term 14,267 14,529 14,815 15,127 15,468 15,833 16,224 16,643 17,088 17,559 18,055 18,581 19,142

TERMS & CONDITIONS

Premium Discontinuance If you are unable to pay the policy premium by the due date, you will be given a grace period of 30 days during which time the insurance cover under your policy will continue. If you do not pay your premium within the said grace period of 30 days, the following will be applicable: During the first three policy years - Your policy will lapse if we do not receive the entire policy premium by the end of the grace period. All insurance cover under your policy will cease without value. You can revive your policy within two years from its lapse date by paying all outstanding policy premiums and providing us with evidence of insurability satisfactory to us. If the life insured dies while the policy is not yet revived, we will pay the fund value as of the lapse date immediately and terminate the contract. After three completed policy years - If we do not receive the entire policy premium by the end of the grace period, you will be given a period of two years to pay all outstanding premiums till date. After this two-year period, no premiums will be accepted by us. During this two-year period and thereafter, your policy with all insurance cover and charges will continue until the Fund Value is exhausted. Free-look Period You will have the right to return your policy to us within 15 days from the date of receipt of the policy. We will pay the fund value plus all charges levied till date (excluding the fund management charge) once we receive your written notice of cancellation (along with reasons thereof) together with the original policy documents. Depending on our then current administration rules, we may reduce the amount of the refund by expenditures incurred by us in issuing your policy and as permitted by the IRDA and in accordance to IRDA (Protection of Policyholders Interest) Regulations, 2002. Unit Price On each business day and for each investment fund, we determine the unit price by dividing the net asset value (NAV) of the investment fund at the valuation time by the number of units in existence for the investment fund in question. We publish the unit price of all investment funds on our website www.birlasunlife.com

The net asset value (NAV) is determined based on (the market value of investments held by the fund plus the value of any current assets less the value of any current liabilities & provisions) divided by (the number of units existing at valuation date before creation or redemption of any units). Section 41 of the Insurance Act, 1938 No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Section 45 of the Insurance Act, 1938 No policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the life insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the application.

IMPORTANT DEFINITIONS
"Day" in Hospital - means a period of a full 24 hours during a period of confinement. The first Day of confinement shall commence at the time of admission to the Hospital and each subsequent Day shall commence 24 hours after the commencement of the previous Day. In the event of the time of discharge of the life insured from the Hospital being more than 12 hours, but less than 24 hours from the end of the previous Day, then the day of discharge shall also be regarded as a Day. "Hospital" - means any institution established for indoor or in-patient care and day care treatment of sickness and/or injuries and which has been registered either as a Hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified Medical Practitioner OR must comply with all minimum criteria as under:

- Has at least 10 inpatient beds, in those towns having a population of less than 10,00,000 and 15 inpatient beds in all other places; - Has fully qualified nursing staff under its employment round the clock; - Has fully qualified doctor(s) in charge round the clock; - Has a fully equipped operation theatre of its own where surgical procedures are carried out; and - Maintains daily records of patients and will make these accessible to us Hospital does not include any institution which is operated primarily as a convalescent or rest home or a sanatorium, or a home for the aged, or a place for rehabilitation of alcoholics or drug addicts, or for any similar purpose. "Medically Necessary" - refers to a procedure, a treatment or a period of hospitalisation which is ordered by a registered medical practitioner and - Which is required for the diagnosis or direct treatment of a medical condition, and

- Appropriate and consistent with the symptoms and findings or diagnosis and treatment of the life insured medical condition, and - Provided in accordance with generally accepted medical practice on a national basis, and - Not of an experimental nature, not of an investigative nature and not in the nature of research "Pre-existing Disease" - means a condition (illness or bodily injury) for which, prior to the effective date of the policy: - the life insured had signs or symptoms which would have caused any ordinary prudent person to seek treatment, diagnosis or care, or - medical advice or treatment was recommended by or received from a physician, or - the life insured had undergone medical tests or investigations Any congenital disorder, or related illness or complication arising out of or in connection with a pre-existing medical condition, shall be considered part of that pre-existing medical condition. "Surgery" - means a medically necessary procedure or intervention performed by a qualified medical professional and carried out through a natural orifice or approached by the cutting or penetration of any part of the body to treat a disease, deformity or injury. "Heart Attack" - means the first occurrence of Heart Attack or myocardial infarction which means the death of a portion of the heart muscle, as a result of an acute interruption of blood supply to the myocardium. The diagnosis must be based on a history of typical chest pain, new characteristic electrocardiographic changes proving infarction, and significant elevation of cardiac enzymes. Diagnosis must be confirmed by a consultant cardiologist acceptable to us. Angina is specifically excluded. "Cancer" - means a malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. The diagnosis must be histologically confirmed. The term cancer includes leukaemia but the following cancers are excluded: - all forms of lymphoma, Kaposi's sarcoma in the presence of any Human Immunodeficiency Virus; - any skin cancer other than invasive malignant melanoma; - all tumours which are histologically described as pre-malignant, non-invasive or carcinoma in situ "Stroke" - means a cerebrovascular incident producing neurological sequelae of a permanent nature, having lasted not less than six months. Infarction of brain tissue, haemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist acceptable to us. Excluded are: - Transient ischemic attacks (TIA)

- Traumatic injury of the brain - Vascular disease affecting only the eye or optic nerve or vestibular functions "Major Organ transplant" - means actual undergoing of a transplant as a recipient of: - Human bone marrow using haematopoietic stem cells, preceded by total bone marrow ablation; or - One of the following human organs: heart, lung, liver, kidney that resulted from irreversible end-stage failure of the relevant organ. Other stem-cell transplants are excluded. The undergoing of a transplant must be confirmed by a specialist medical practitioner. What is not covered under this plan? No health insurance benefit is available hereunder and no payment will be made by us for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: - Any sickness related condition manifesting itself within 90 days from the effective date of the policy or revival thereof, whichever is later. Only claims in respect of injuries caused by accidents will be payable during this 90-day waiting period - Any Pre-existing disease and its complications - AIDS, HIV related complications or any Sexually Transmitted Diseases - Attempted suicide or self inflicted injury, irrespective of the mental condition - Hazardous sports or activities included but not limited to bungee jumping, mountaineering etc - Any flying activity other than as a bonafide passenger - Under the influence of alcohol, drugs or any substance not prescribed by a Registered Medical Practitioner - War, terrorism, riots, civil commotion, strikes, civil war or service in the military or paramilitary forces of a country at war - Criminal, unlawful or illegal activity participation - Exposure to radioactive or nuclear fuel - Diagnosis or treatment taken outside India - Psychiatric or mental illness - Circumcision, any Cosmetic procedures or Plastic Surgery - Pregnancy, childbirth or their complications, Abortion, Medical Termination of Pregnancy, Infertility or sex change operation - Organ donation (donor costs) - Rehabilitation or convalescent care or Length beyond customary length of stay - Congenital conditions, genetic disorders or birth defects

- Dental Treatment except if arising from an accident - Non-Allopathic treatment - Purely investigative procedure not resulting in any treatment or unreasonable failure to seek medical advice Not covered for first two policy years - Hernia Repair - Corrective procedure for gall stones - Corrective procedure for kidney or urinary tract stones - Discectomy, laminectomy - Hemi / Partial thyroidectomy - Corrective procedure for anal fistula or anal fissure - Removal of uterus, fallopian tubes and/or ovaries, except for malignancy - Corrective procedure for fibroids, uterine prolapse, or dysfunctional uterine bleeding - Corrective procedures for haemorrhoids

BIRLA SUN LIFE INSURANCE COMING TOGETHER OF VALUES

About Birla Sun Life Insurance Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a well known Indian conglomerate and Sun Life Financial Inc, one of the leading international financial services organizations from Canada. With an experience of over a decade, BSLI has contributed to the growth and development of the Indian life insurance industry and currently is one of the leading life insurance companies in the country. Enjoying trust of over 2.4 Million customers, BSLI is known for innovations. BSLI offers a complete range of offerings comprising of protection solutions, children's future solutions, wealth with protection, health and wellness as well as retirement solutions and has an extensive distribution reach over 500 cities through its network of over 600 branches, over 140058 empanelled advisors and over 240 partnerships with Corporate Agents and Banks. The AUM of Birla Sun Life Insurance is close to Rs19146 crs and it has a robust capital base of over Rs. 2450 crs as on August 31, 2011. For more information, please visit www.birlasunlife.com About Aditya Birla Financial Services Group Aditya Birla Financial Services Group (ABFSG) has built a significant presence across its verticals, viz life insurance, asset management, NBFC, private equity, broking, wealth management & distribution and general insurance advisory services.

The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life Insurance Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Finance Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd. and Aditya Birla Insurance Brokers Ltd. ABFSG is committed to being a leader and role model in a broad based and integrated financial services business. Its 7 lines of businesses, with about 5.5 million customers manages assets worth Rs. 92,259 Crores (USD 20.5 billion) and prides itself for having a talent pool of about 15,000 committed employees. ABFSG has its wings spread across more than 500 cities in India through over 1,700 points of presence and about 200,000 channel partners. This allows ABFSG to offer its customers virtually anything under financial services except a savings or current account. With over Rs. 6,296 Crores (FY2010-11) in revenues, ABFSG is a significant non-bank player.

ABFSG is a part of Aditya Birla Nuvo Ltd. (ABNL), a USD 4 billion conglomerate having leadership position across its manufacturing as well as services sector businesses. ABNL is a part of the Aditya Birla Group, a USD 35 billion Indian business house operating in 33 countries across the globe. About Sun Life Financial Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth accumulation products and services to individuals and corporate customers. Chartered in 1865, Sun Life Financial and its partners today have operations in key markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. As of June 30, 2011, the Sun Life Financial group of companies had total assets under management of $474 billion. For more information please visit www.sunlife.com Sun Life Financial Inc. trades on the Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges under the ticker symbol SLF.

RISK FACTORS & DISCLAIMERS

This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI). This is a nonparticipating unit linked health plan. Birla Sun Life Insurance, Saral Health Plan and LifeCycle Option, are only the names of the Company, Policy and Investment Options respectively and do not in any way indicate their quality, future prospects or returns. The names of the funds offered in this plan do not in any way indicate their quality, future prospects or returns. The charges mentioned above are applicable to all the two Investment Funds offered at present. Only the Policy Administration Charge, Morbidity Charge and Fund Management Charge can be modified by the Company subject to specified limits and approval of the IRDA. The value of the Investment Fund reflects the value of the underlying investments. These investments are subject to market risks and change in fundamentals such as tax rates etc affecting the investment portfolio. The premium paid in unit linked health insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of Investment Fund and factors influencing the capital market and the policy owner is responsible for his/her decisions. There is no guarantee or assurance of returns from the Investment Funds. BSLI reserves the right to recover levies such as the Service Tax levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. This brochure contains the salient features of the plan. For further details please refer to the policy contract. Tax benefits are subject to changes in the tax laws. Insurance is the subject matter of the solicitation. For more details and clarification call your BSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true.

Call: 1-800-270-7000

www.birlasunlife.com

sms SARAL to 56161

Regd. Office: One Indiabulls Centre, Tower 1, 15th & 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Reg. No. 109 Unique No.: 109L048V01 ADV/12/10-11/4410 VER 2/Sept/ 2011