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THE LIFE INSURANCE CORPORATION OF INDIA (hereinafter called “the Corporation”) having received a Proposal along with Declaration and the
first premium from the Proposer and the Life Assured named in the Schedule referred to herein below and the said Proposal and Declaration with the
statements contained and referred to therein having been agreed to by the said Proposer and the Corporation as basis of this assurance do by this
Policy agree, in consideration of and subject to the due receipt of the subsequent premiums as set out in the Schedule, to pay the Benefits, but without
interest, at the Branch Office of the Corporation where this Policy is serviced to the person or persons to whom the same is payable in terms of the said
Schedule, on proof to the satisfaction of the Corporation of the Benefits having become payable as set out in the Policy Document, of the title of the
said person or persons claiming payment and of the correctness of the age of the Life Assured stated in the Proposal if not previously admitted.
And it is hereby declared that this Policy of Assurance shall be subject to the Definitions, Benefits, Conditions Related To Servicing Aspects, Other
Terms And Conditions and Statutory Provisions printed on the back hereof and that the following Schedule and every endorsement placed on the
Policy by the Corporation shall be deemed to be part of the Policy.
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)
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Vh¢. share in surplus (profits) emerging during the term of the policy
in accordance with the terms and conditions of the policy.
^
m
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gr
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m^ PART – C : BENEFITS
{
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ß{
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1
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n [
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s{ZYm
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bgrA~VH$Ho$‡ r
{
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^wJ
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r
V a
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by Date of Maturity provided the policy is in full force by paying
upto-date premiums, Sum Assured on Maturity along with
h
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hVgmY
ma
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dVu ~
m oZgm
|Am
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vested Simple Reversionary Bonuses and Final Additional
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a Bonus, if any, shall be payable. Where Sum Assured on
~
r{
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m{
e_yb~
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m
{eHo$
~ am
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°. Maturity is equal to Basic Sum Assured.

2
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sam
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© stipulated Date of Maturity provided the policy is in full force
{
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dVu~
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gA m
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a
∫ $~
m
oZghm
o,d
h Xo` by paying upto-date premiums, Death Benefit, defined as
sum of “Sum Assured on Death”, vested Simple
h
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_`_H$
m^
wJVm
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a n
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Mmbyh
m
o. Reversionary Bonuses and Final Additional Bonus, if any,
shall be payable.
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h
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n_|n
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10%
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$
s_•À
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gmWAm
Zodm
brm̀
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nm
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o, Assured, which shall be payable from the policy
anniversary coinciding with or following the date of death
n
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nhbon
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_
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110
%
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on
[
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X
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;
Am°a • Assured Absolute Amount equal to 110% of Basic Sum
Assured, which shall be payable on due date of maturity; and
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Additional Bonus, if any, included in the Death Benefit,
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[a
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s{
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D$
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‡r
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th°. Premiums referred above exclude tax, extra premium and
rider premium(s), if any.
3
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B
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^:
3. Rider Benefits:
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bAm
B ©gr H$
mX˛K
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m _•À`w Am
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B S
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:
A. LIC’s Accidental Death and Disability Benefit Rider (UIN:
5
1 2
~r 209dr
01 )( `
{X MwZmJ̀m
) :
Bg n
m
∞{
bgrHo$C‘oÌ`g
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$X
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m 512B209V01) (If opted): An ‘Accident’ for the purpose of
H
$
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m
a n[a
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°:"
"EH$X
˛K ©Q
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$AMm
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, this policy is defined as “An Accident is a sudden,
A
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m̀{eV Ed
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n g
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ß unforeseen and involuntary event caused by external,
{
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'' violent and visible means.”

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b A m
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b m^a
m
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o$ LIC’s Accidental Death and Disability Benefit Rider is
available on payment of additional premium. Under an
^ wJ
V m
Z n
a C n b„ Yh °. E H $
Mm
b yn
m
∞{bg r
Ho$V
hVX˛K ©Q>Z m
_•À
`wA m
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m
inforce policy the Accidental Death and Disability Benefit
b m
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r{ _`
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gr^ rg _
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MwZmO m gH$
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h°, ~ e V}{ H$_yb m̀
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s ~
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m m̀‡ r
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Y Paying Term of the Basic Plan provided the outstanding
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sh °.
B g n
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h VOh
m±H $h rß h̀
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h
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B S >a Ho$ AßV J ©V g wa {
jV g ^
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°a
m
the benefits covered under this Rider will be available
Cn b „
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H $s{
V {
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anyU
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{ bEn m
∞{
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during the policy term provided the Policy is in force for
M mbyhm
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n
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{
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r
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{
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Amd
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th
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. paid after all premiums under this Policy have been paid.

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a V r
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Or d Z n a,{Ogna A Jm
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m
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V
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¢ d̀° { ∫ $
H $n
m{
∞b {
g̀ m
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a
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y nm
{
∞b{
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oA V
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taken with Life Insurance Corporation of India under
J
B ©g ^ r n m
{
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,
| {O Z
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K
˛ Q© >Z m {
hVbm^dmb r nm {
∞b
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±
individual policies as well as group policies on the same life
em{
_ b h,
¢ H $
oA V
ß JV
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mH $sA {Y H$V
_ g _ {
oH $Vg r
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X
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$
•V am
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I g oA {YH$
Zht
hmJ
or .A JaBg
_| exceed Rs.100 lakhs of Accident Benefit Sum Assured. If
E
H $ goA {Y H$ n m{
∞b {
g̀ m±h
¢Ama
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wbXK
˛ Q© >Z m {
hVbm^~r
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{eÈ. there be more policies than one and if the total Accident
10 0 b mI g oA { YH $h
mV
o mh
,
°V moOmarnm
{
∞b{ g̀ m
|H $
s
{V{
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$
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´__ |‡ W_È. Benefit Sum Assured exceeds Rs.100 lakhs, the benefits
shall apply to the first Rs. 100 lakhs Accident Benefit Sum
10 0 b mI XK
˛ Q© >Z m
{
h Vb m
^~ r_m H
$
•V am{
eH $
o{ h V b m
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Assured in order of date of policies issued.
n
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m ∞{
b g r
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` {XO
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g_` H $
m
oB©X ˛K©Q
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g^rA ›` H $ma
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|gon
ya
rV
a h g o,
‡ À j̀ A m
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ngo( H
$) {
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$gr within 180 days of its occurrence solely, directly and
ÒWm
B© m̀n yU ©A nßJV
m H
$mH
$
m
a U ~ Z
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{
H$Bg _|~m
X_ |n
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V independently of all other causes result in (a) either permanent
and total disability, as hereinafter defined or (b) death of the Life
{
H$m̀J̀ mh ° m̀(I )
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s _•À` wH$mH$
ma
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assured and the same is proved to the satisfaction of the
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s
gßV w{
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h °,V
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°: Corporation, the Corporation agrees in case of:

(
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dZ~r
{_VÏ
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∫$
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s{
d H $b
mßJV m (
:&)B g n
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{
d ÒVm
[
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{gH $ {H$
Ò V m|_ |X˛K©Q>Zm {hV b
m^ ~r_
m H•$
V a m{
e H o$ equal to the Accident Benefit Sum Assured in equal monthly
instalments spread over 10 years under this Policy. If the
~am~
aA{V[
a∫$ a
m
{eH$
m ^ wJV
m Z ._ •À
`w m̀ n[
a n
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mHo$ H$
ma
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s policy becomes a claim by the way of death or maturity
C∫ $
A d
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s g
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b o, ` {
X n
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m dm ~
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{
d H$
bm
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$s
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oX o` Zht h
wE h¢,C g H
$
m^ wJVm
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g m
Wbenefit instalments which have not fallen due will be paid
{
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EJmA m°a
(&
&)X
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m b m
^ ~r{_ V a m
{
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sg r_ mVH $nm
∞{b grHo$ along with the claim and (ii) waive the payment of future
VhV `{
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dÓ
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AßV J©V‡ r{
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premium under Basic Plan) to the extent of Accident Benefit
g {
hV)hm
o,
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$m^wJV m
Z N >m
oãS>{X̀m Om EJ m
.{H
$g r A ›
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MwZm
J̀m
,CgHo$ {
bE‡
r{
_ ` _H $
m ^ wJVmZ{ H$m̀O mZm
Om arahoJm. shall continue to be paid.
‡
r {
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mN>m
oãS
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Bgnm
∞{
b grH o$
V h
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3.E
.(I
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a m gwa
{
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m
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m
og _m
· H $
aX
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m this policy and the benefits covered by 3.A.(b) of this clause
h
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dZ ~r{
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sg^r_m
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m n
m∞{
b{
g̀ m
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on
m∞{
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Va accident benefit sum assured under all the existing policies
m
of the life assured and which may have been kept in force by
^wJ
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a m b m
Jya
IrOm
g H
$V rh
°. continued payment of premiums.
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$ C n a mo∫ $A n
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grX
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ÒW m
B©h mo.X˛K ©Q>Z m
g ß~ ßY r M moQ
>|Om
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V ßà Am°a
B g V a h the result of an ‘Accident’ and must be total and permanent.
Accidental injuries which independently of all other causes
H$
s X
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and within 180 days from the happening of such accident
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a {
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a U OrdZ ~r
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n g
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{
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d{Ỳ m|(Z r
Mon
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{
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m`©H$a
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Cn H
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$gm_{J´ m̀
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moJ e m{
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n _
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m onyU© special devices or other aids, then such disability shall be
treated as Total and Permanent. Medical Examiner
Am°a
Ò W m r̀Í $n _|‡ _ m {U V H $
aZoHo$
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am A{
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Om
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X
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Provided the policy is in full force, depending upon the

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5
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± PART - D: CONDITIONS RELATED TO SERVICING
ASPECTS
1
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sJ U Zm~ r{
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1. Proof of Age: The premiums having been calculated on the
Am`wna{
H $EO m
Zon
a ,
A m ` wH o$Eog r A m` wg oA {Y H
$ n m
E Om ZoH
$s
p ÒW {V_|, age of the Life Assured as declared in the Proposal, in case
{
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o$A ›
` A{Y
H $
mam|A m
°a C nm m̀
|{ O Z_ |~ r
_m A {Y {
Z̀ _,1 9 3 8H o$ the age is found higher than such age, without prejudice to
VhV AmZ odmboem{
_b h
¢, H o$ ‡ {V {~Z m n yd
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W {V_
|‡ r {_`_ , the Corporation’s other rights and remedies, including those
‡{
d {
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`wHo$
{ b E ~r{ _V _ yb a m
{ e Am°a amBS
>a (
am
B S>a m
|)
H$ s under the Insurance Act, 1938, the premiums shall be
payable in such case at the rate calculated on the Basic
~r
{_V am
{e {
V{ W,`{X M wZm J̀ m h
°,n a J UZ m { H$E JE Xan a X
o` hmoJmAm
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Sum Assured and Rider(s) Sum Assured, if opted for, for the
ghrA m
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{bE‡ r
{
_ ` _m |A m°a _ yb ‡r{_ ` _m|H o$ ~r
M n m
∞{
b g rH$
se wÈA m
Vg o correct age at entry, and the accumulated difference
E
ogo^wJ
Vm Z H$
s {
V {
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Z J _ ¤
ma m between the premiums for the correct age and the original
p
ÒW a H
$sJ B
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a n a
„ m̀
O g { h V {
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m
oA X m{
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.bo{H$Z `{
X premiums, from the commencement of the Policy upto the
~r
{_V Ord Z/
‡ ÒVm
d H $
B g _ |Xe m©B
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r {
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a V mOmE, date of such payment shall be paid to the Corporation with
interest at such rate as fixed by the Corporation from time to
Am
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gß{MVF $
U A X m Z H
$ a
oV m oB g n m∞{
bg r Ho$ewÈAmV g oCgH o$
time. However, in case the Life Assured/Proposer continues
Xm
d m~ZZ oH$
s{V{WV H $g h r A m `wHo${ b E ‡ r{_ `_ m|A m
°a
_ yb‡r{ _ `_m
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M H$mg ß{MVA ßVa
, E
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s ‡
À ` oH$ {
H $ Ò V n
a g _ -̀g _` n
a {Z
J_ does not pay the above mentioned accumulated debt, the
accumulated difference between the premiums for the
correct age and the original premiums from the
commencement of this Policy up to the date on which the
Policy becomes a claim, with interest on each instalment of
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a
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s
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na„ m̀
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bgr
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dm Corporation from time to time, shall accrue and be treated
as a debt due by the Life Assured / Proposer against the said
~
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m∞{
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Policy and shall be deducted from the Policy moneys
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H$‡doeHo$ g
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sgh
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sm̀oOZmgo~r
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a under the class or terms of assurance specified in the said
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V Schedule hereto, the class or terms shall stand altered to
such Plan of Assurance as are granted by the Corporation
h
m
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.
according to the practice in force at the commencement of
this policy subject to the consent of the Policyholder,
otherwise the policy will be cancelled.
2
.J°a-O„V r
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$_
goH
$
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M
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oV
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mn
m
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$
n _
| premiums be not duly paid, this policy shall not be wholly
void, but shall subsist as a paid-up policy.
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.
The benefit payable in case of death under a paid-up policy,
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; payable) x Absolute amount assured to be paid on
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and
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• Reduced Income Benefit i.e. 10% of Basic Sum assured
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d
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s{
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> coinciding with or following the date of death of Life
V
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. Assured till the policy anniversary prior to date of
maturity.
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The Sum Assured on Maturity under paid-up policy shall be
~
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a reduced to such a sum called “Maturity Paid-up Sum
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). (no. of premiums paid / no. of premiums payable).

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‡
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dgo_w∫$hm
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|_| liabilities for payment of the within mentioned premiums, but
shall not be entitled to participate in future profits. However,
‡
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∞{
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g mWgßb
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nya
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moZo attached to the reduced paid up policy and shall be payable
H
$
s
{V{Wn
ahr X
o`hm
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o. only on the date of maturity.

D
$ n aO mo^
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$
h m
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dO yX ` {XB g nm∞{
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_`_ AXm H $ sO mM wH$s h°, A
m°a H $
m
oB©A m
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_r premiums have been paid in respect of this policy, and any
subsequent premium be not duly paid, in the event of the
‡
r {_ ` _ AX m
Z htH $s
JB©hm
oVmonhb r A XmZ H$ sJ B©‡r{_
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death of the Life Assured within six months from the due
{
V { Wg o6 _ h
r Zm
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^rV a~r{ _
V O r
d ZH $s_ •À
` wh m
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spÒ W {V_| date of first unpaid premium, “Sum Assured on Death” along
{
Z {h V g a
b ‡ Àm̀
d V
u~ m
oZ
g g {
hV _ •À
`wn a~ r
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°a with vested simple reversionary bonuses and final
Aß{V _ A {
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∫ $~
moZ g,`{Xh°, E
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r nm∞{bg rHo$ V hV {H$
g r V À
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b b ^ additional bonus, if any, shall be payable, after deduction of
m
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`wH$
s {V{W VH$_ ybnm∞{b grHo$
{b E A Xm Z H $s J
B©‡ r{
_`_ (a) the premium or premiums for the basic policy unpaid
upto the date of death with interest upto the date of recovery
Am°a ‡ {
V bm ^H $s
{V {
W VH$„ m̀
OA m
°a (~
) _
yb n m
∞{bg rHo$ {b E _ •À
`wH
$s
and (b) the balance premium(s) for the basic policy falling
{
V { Wg oA m°anm∞{
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H$sA Jb r
df©J m
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e of ‡
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$m
o due from the date of death and before the next policy
K
Q >m
ZoHo$ ~
mX Xo`hmoJm
. anniversary, from any immediate benefit(s) payable under
such policy.
D$n
a O m o^ rH$
hm
J̀mh°C g Ho$~ m d O
yX` { XBg n m
∞{
bg rH
o$gßX^©_ |H$_ go
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fm
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s‡ r{
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$s OmMwH $
sh °,Am°aH $
m
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‡r{
_` _ A X mZ
htH$
sJB ©h moVmon h b
r AX mZH$sJ B
©‡ r
{_
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o{MV years' premiums have been paid in respect of this policy,
any subsequent premium be not duly paid, in the event of
{
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Zm
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o$^ rV a~ r { _VO rd Z H$
s_ •À`
wh m
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sp ÒW { V_| death of the Life Assured within 12 months from the due
{
Z {
hV g a b ‡
À m̀
dVu ~moZ g g {h
V _•À `wna~ r
{
_ V a
m{e Am°a A ß{
V_ date of first unpaid premium, “Sum Assured on Death” along
A{V[
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oZg
,`{Xh °,E ogr n m∞{
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V hV{ H$
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^ _ |go with vested simple reversionary bonuses and final
(
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s{
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b g
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{_ ` _ A °a additional bonus, if any, shall be payable, after deduction of
m
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°a (~ )
_ yb nm
∞{
b g rH o$
{bE_ •À
`wH $s{
V {W (a) the premium or premiums for the basic policy unpaid
upto the date of death with interest upto the date of recovery
goAm
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$sAJb r d f©J m±R>gon
h b oH$
sXo` eof ‡r
{ _
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and (b) the balance premium(s) for the basic policy falling
H
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. due from the date of death and before the next policy
anniversary, from any immediate benefit(s) payable under
`o‡
md
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p
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such policy.
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m
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°. These provisions do not apply to optional riders as they do
not acquire any paid up value and the rider benefits cease to
apply, if policy is in lapsed condition.
3
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$m b m V rV nm
∞{b {g̀
m |H $
m n
wZÈ¡ Or d
Z :`{X A ZwJ´hHo$ { X Z m
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^ r Va 3. Revival of lapsed Policies: If the Policy has lapsed due to
~H $m m̀‡ r
{_
` _ H$
m^wJ Vm
Z Z hmoZoHo$ H $
maUn m∞{b gr H $
mbmV r V hmoO m
V r h
°, non payment of due premium within the days of grace, it
may be revived during the life time of the Life Assured, but
VmoC g o~ r
{_
V Ï `{
∫$
H o$ Ord Z H$
m b H o$
X m
°amZ
n wZ È ¡
O r{d
V {
H $m̀ O mg H$ Vm
within a period of 2 consecutive years from the date of the
h
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Z H
$s J B©n h br ‡ r
{ _` _ H
$
s { V { W g o2 H´$ _ mJV df m
]H $s first unpaid premium on submission of proof of continued
Ad {Y H o$
^rV a ,{
Og Ho$
{b E A md Ì H̀$h°{
H$ { Z J _ H $s
g ßVw{Ô >V H ${
Z aßVa insurability to the satisfaction of the Corporation and the
~r_ mm̀ oΩ V̀
mH $
m‡
_m
U O_ m H
$a
d mm̀ O m
E Am°a { Z J
_ ¤ m
a
m g _ -̀
g _` n
a payment of all the arrears of premium together with interest
{
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am
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$s (compounding half-yearly) at such rate as fixed by the
g_ Ò V ~ H$
m m̀a
m{
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H $m̀ O m
E.⁄̀ {n {
Z J_B g o_ yb eV m
]n a Corporation from time to time. The Corporation however,
reserves the right to accept at original terms, accept with
Ò
d rH $ma H
$a
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ad
{V ©Ve V m
]n
a Òd r
H $
ma H
$aZ o m̀~ßX h
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n
wZ È¡ O r
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bEB ßH$m
a H
$ aZ
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a g wa{ jV a IV m h°.~ßX hmoM wH
$s policy. The revival of the discontinued policy shall take effect
n
m∞{b g r H$
mn wZÈ¡O r d Z Ho$
db V^ r ‡ ^m
d r h moJ
m, O~ B g o{Z J _ ¤ m
am only after the same is approved by the Corporation and is
AZ w_mo{
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E
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gH o$~ m a
o_ |{
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n g oOrdZ ~ r{
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H
$m o~V m m̀
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mE J m
. Revival of Rider(s), if opted for, will only be considered along
with the revival of the Basic Plan and not in isolation.
a
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. 4. Policy Loan: Loan can be availed under this policy
provided atleast three full years’ premiums have been paid
4
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m∞{
bgr
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bgrAd{
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m
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$V surrender value of the policy for such amounts and on such
{
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time to time:
g
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a g
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. 1. The Policy shall be assigned absolutely to and held by
the Corporation as security for the repayment of Loan
1
.
{
bE J
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2. Interest on Loan shall be paid on compounding half-
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2
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3. In case of policies which are not inforce i.e. paid-up

3
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1
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connected documents or any material information is
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Act, 1938 as amended from time to time.
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policy is serviced.
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nomination the Corporation does not accept any
responsibility or express any opinion as to its validity or
legal effect.
4
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1
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to act upon any endorsement made under sub-section(1),
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representative, any right to sue for the amount of such policy
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h°. 6. The date on which the notice referred to in sub-section (5) is
delivered to the insurer shall regulate the priority of all claims
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. 7. Upon the receipt of the notice referred to in sub-section (5),
the insurer shall record the fact of such transfer or
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sh°. 8. Subject to the terms and conditions of the transfer or
assignment, the insurer shall, from the date of the receipt of
8
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policy of life insurance under an assignment or transfer
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6
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Policy Year 13 14 15 16 17 18 19 20 21 22 23 24 25
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 56.00% 55.00% 54.29% 53.75% 53.33% 53.00% 52.73% 52.50% 52.31% 52.14% 52.00% 51.88% 51.76%
9 62.00% 60.00% 58.57% 57.50% 56.67% 56.00% 55.45% 55.00% 54.62% 54.29% 54.00% 53.75% 53.53%
10 68.00% 65.00% 62.86% 61.25% 60.00% 59.00% 58.18% 57.50% 56.92% 56.43% 56.00% 55.63% 55.29%
11 74.00% 70.00% 67.14% 65.00% 63.33% 62.00% 60.91% 60.00% 59.23% 58.57% 58.00% 57.50% 57.06%
12 80.00% 75.00% 71.43% 68.75% 66.67% 65.00% 63.64% 62.50% 61.54% 60.71% 60.00% 59.38% 58.82%
13 80.00% 80.00% 75.71% 72.50% 70.00% 68.00% 66.36% 65.00% 63.85% 62.86% 62.00% 61.25% 60.59%
14 80.00% 80.00% 76.25% 73.33% 71.00% 69.09% 67.50% 66.15% 65.00% 64.00% 63.13% 62.35%
15 80.00% 80.00% 76.67% 74.00% 71.82% 70.00% 68.46% 67.14% 66.00% 65.00% 64.12%
16 80.00% 80.00% 77.00% 74.55% 72.50% 70.77% 69.29% 68.00% 66.88% 65.88%
17 80.00% 80.00% 77.27% 75.00% 73.08% 71.43% 70.00% 68.75% 67.65%
18 80.00% 80.00% 77.50% 75.38% 73.57% 72.00% 70.63% 69.41%
19 80.00% 80.00% 77.69% 75.71% 74.00% 72.50% 71.18%
20 80.00% 80.00% 77.86% 76.00% 74.38% 72.94%
21 80.00% 80.00% 78.00% 76.25% 74.71%
22 80.00% 80.00% 78.13% 76.47%
23 80.00% 80.00% 78.24%
24 80.00% 80.00%
25 80.00%

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Policy Year 13 14 15 16 17 18 19 20 21 22 23 24 25
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28%
4 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42%
5 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55%
6 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72%
7 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93%
8 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22%
9 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58%
10 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03%
11 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58%
12 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58%
13 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66%
14 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85%
15 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16%
16 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60%
17 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18%
18 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93%
19 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85%
20 35.00% 30.00% 27.06% 25.05% 23.38% 21.99%
21 35.00% 30.00% 27.06% 25.05% 23.38%
22 35.00% 30.00% 27.06% 25.05%
23 35.00% 30.00% 27.06%
24 35.00% 30.00%
25 35.00%
NOTE: In case you have any Complaint/Grievance, you may approach Grievance Redressal Officer/Insurance Ombudsman whose address is as under:

Office Address of Insurance Ombudsman

YOU ARE REQUESTED TO EXAMINE THIS POLICY, AND IF ANY MISTAKE BE FOUND THEREIN, RETURN IT IMMEDIATELY FOR CORRECTION.