B a 3iim ager Bank of Baroda api: ftare:110: | Bec:BR:110:517 11.10.2018 ai_ftet_ eft event arated & fe ofter CIRCULAR TO ALL BRANCHES/ OFFICES IN INDIA ISSUED BY MARKETING & WEALTH MANAGEMENT SERVICES fier ete / Dear Sir, faa / Re: Launch of Max Health Plus and Max Health Plus Loan Linked products of Max Bupa Health Insurance Out of the various sales opportunities available within the Bank, our potential customer base is both the assets and liabilities segment of the Bank’s customers. Our Standalone Health Insurance tie-up partner Max Bupa Health Insurance is already into sales of primarily Group products of Health Insurance. Max Bupa has now offered an upgraded version Max Health Plus of existing product - GHI and upgraded GCC in the name of Max Health Plus Loan Linked. The details of the products are as below: Proposal 4. Max Health Plus USPs of Max Health Plus ‘The following unique features are offered under the new proposition: + Base Sum Insured Options available ~ SL /7.5 Lacs / 10Lacs / 20 Lacs / 25Lac * Pre-Hospitalization expenses covered for 60 days and Post-Hospitalization expenses covered for 120 days Organ transplant when medically necessary, covered up to Sum Insured Maternity Coverage for SI options : 10 Lacs/20 Lacs/ 25 Lacs Coverage against Accidental Death Optional Critical Illness cover up to 5 Lacs Premium. Premium in INR and exclusive of tax Group Health insurance & Group Personal Accident Family Coverage -2A ‘Age Bands '5,00,000 | _7,50,000 | 10,00,000 20,00,000 | 25,00,000 18-30 8,159 9,293, 9,961, 13,570 16,013 31-45 | 70,354 11,230 12,581 15,744 18,116 [4655 17,714 19,131 21,393 25,302 28,860 56-65 30,025 32,493 36,516 42,982 49,248 65+ 54,688 59,355 67,065 78,874 90,805 wifi oe aiver cur FAME / wacketing & Wealth gmt. Dept sete a cre, oie34, oft are, art Gah OTE ATT) Me 400052, AT Barada Sun Tower, C- 34, G-Block, Gandva Kurla Complex, Bandea (E), Mumbai 400051, tnate iv/tel, o22- 61582948, frm/Fax: 022 ~ 6780 2593, akegdbsnkofbacoda.con | wms@bankofbaroda.comB ad 3ift agtcr Bank of Baroda Family Coverage - 2A2C ‘Age Bands 5,00,000 | 7,50,000 | 10,00,000 20,00,000 25,00,000 18-30 10,631 12,135 15,083 18,618 22,468 31.45 14,266 15,820 18,461 21,931 25,870 46-55 23,437 25,940 29,483 34,236 40,581 56-65 34,686 38,570 44,114 50,988 50,906 654 56,352 63,117 72,835 84,134 3,01,503 Rate of Optional Group Critical illness ‘Age Band 5,00,000___|_7,50,000_| 10,00,000 20,00,000 | 25,00,000 18-30, 459) 689 919 1,837 2,297, 31-45 1,226 1,839 2,452 4,905 6131, 46-55 3,318 4,97 6,636 13,272 16,590 56-65 9,431 14,147 18,363 “37,725, 47,157 65+ 18,847 28,271 37,694 75,388 94,235 2. Max Health Plus Loan Linked USPs of Max Health Plus Loan Linked «Specifically meant for Borrowers * Sum Insured equal to Outstanding Loan Amount * 41 Illness are covered + Initial waiting period - 30 days * Income Protector - INR 25,000/ month up to 3 months * Additional PA cover as given below Accidental | pian Type Borrower & Co-borrower Cover Relationships Covered Borrower & Co-borrower Accidental Cover Sum Insured ($1) | Equal to Critical Ilness Sum Insured tal Death (AD) 100% of Accidental Cover SI “Accidental Permanent Total Disability ie oe a 100% of Accidental Cover SI Senna Deducibles of 3 months upio 40 weeks a he rate cof 1% of Accidental Cover SI per week ‘Air Ambulance for Accidental laters INR I lac a aan upto ox times of Accidental Cover SI Education Allowance for children INR255 Lacs Vw srifén ret aver whut FRAT / uacketing & Wealth Home. Dept eter wearer, of-34, ot wre, arat- ga ETN TTC) RE 00051, AIC Baroda Sun Toner, C- 24, G-Block, Bandra Hurla Complex, Bandra (E), Mimbas 400051, india W/Tel. 022- 67592549, /Fax: 022 - 6759 2503, mitgdbankofbaroda.con | win aroB @@ 3ifth aster Bank of Baroda Premium Scenario 1 Age ofCustomer [35years | 40years _| 45 years SO years Sum insured 20 lacs 20 lacs 20 lacs 20 lacs Policy Ter 5 years 5 years 5 years 5 years Premium(incl GST) | 20,855 35,787 56,930 1,07,164 Premium Scenario 2: Age ofCustomer | 35 years | 40 years | 45 years 50 years a Sum Insured 40 lacs 40 lacs 40 lacs 40 lacs | Policy Term 5 years S years S years Byears Premium(incl GST) | 41,711 71,573, 1,13,859 2,14,328 ‘Note: Accurate premium may be sought from Max Bupa representative Loan Assignment clause is incorporated in the product to secure the Asset portfolio. The Bank of Baroda customers shall be the members of the Max Health Plus and max Health Plus Loan Linked policies. Bank shall be entitled for maximum permissible commission by IRDAI (as on date 15%). As per the prevailing guidelines of IRDAI, Group Insurance products can be sold by Bank Branches without the requirement of Specified Persons. The policy risk is borne by the insurer. We wish you and your team the very best in your endeavours. ‘aI / Yours faithfully gis it 3 ‘wtet /(0 K Kaul) gMdwa / General Manager (fear, wide eye waive! weer) (Mktg, Corp. Comm. & WMS) Vv ww Enclosures: Annexure-I — Details of Max Health Plus Annexure-II — Details of Max Health Plus Loan Linked wrBfee ret rier wus FRAT / Marketing & Wealth Mgmt. Dep ett er are, 38, ot ee, oe gat eT TD RE 400051, rer da Sun Tower, C- 34, G-Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, Teta iryren, 022- 61392883, RH/ax: 022 - 6759 2593, akzatbankofbarods.com | wms@bankofbaroda.comB aa 3itm aster Bank of Baroda Max Health Plus Annexure-| Max Health Plus Existing GHI Hospitalis Individual/Family_ Nig ation foo Acie Individual/Family Floater Cover Family Combinations Entry Age ‘Sum Insured (in INR) ‘Sub Sections 1A, 1A+1C, 1A42C, 1A+3C, 2A, 2A+1C, 2A42C Adults - 18 years to 70 years Children - 91 days to 21 years Slac/ lac / 10Lac / iSLac / 20lac Nursing charges excluding private nursing charges * Medical Practitioners’ fees, excluding any charges or fees for Standby Services * Medicines, drugs and consumables * Physiotherapy, investigation and diagnostics procedures directly related to admission Inpatie | * Intravenous fluids, blood nt Care | transfusion, injection administration charges and /or consumables * Operation theatre charges * The cost of prosthetics and other devices or equipment if implanted internally during Surgery Up to Base Sum Insured Up to Base Sum Insured Hospital accommodation- Room Rent/day Single Private Room Single Private Room Hospital accommodation- Actuals upto Base Pre - hospitalization Medical Expenses {including Medical Practitioner's consultation, diagnostics tests, medicines, drugs and consumables) Icu/day erage) Covered up to Sum Insured Day Care Treatment (for listed Covered up to Base conditions) sania Covered up to Sum Insured Covered up to Sum Insured (30 days / 60 days) swf wot rirer ier FR / warketing & Wealth Home. Depe voir wr ara, t-ag, oft oe, ares Ga ERT ATRT(G) AWE 400052, Te Baroda Sun Tower, C- 34, G-Block, Bandra Horla complex, Bandra (8), Munbes 400051, india iw/tet. 022- 67592549, H/Pax: 022 ~ 6759 2593, mktatbankofbaroda.com | wms@bankofbaroda.comB ae 3ifm aster Bank of Baroda Post- hospitalization Medical Expenses (including Medical Practitioner's consultation, diagnostics tests, medicines, drugs and consumables) Inpatient Care under Alternative Treatment Domiciliary Hospi Organ Transplant Maternity Expenses New Born Baby Cover Cover for 90 days from the date of delivery Emergency Ground Ambulance- Within India (one transfer per Hospitalization) Up to Base Sum, Insured Air Ambulance Cover- Within India one transfer per Hospitalization) Health Check-up per member Loyalty Credit Slenhancement irrespective of claim Re-fill Benefit (Can be triggered only once in year) e-Consultation Initial Waiting Period 30 days Covered up to Sum Insured (30 days / 60 days) Up to lower of (20% of Sum Insured or Rs 2 lacs) Covered up to 20% of Sum Insured Covered up to Sum Insured Up to Rs.2,000 per hospitalization Health check-up cover available for Adults onl 30 day Initial waiting period wréfén re srraver ier FRAT / uacketing @ Wealth Mgnt. Dept ster wr are, ot-3¢, aft me, ara pal ECE aTET(G) SE 00051, HI lock, Bandra Kurla complex, Sandra (E), Mambsi 400061, India Baroda sun Tower, C~ 24, sryrol, 022- 61592549, RI/Pax: 022 ~ 6759 2593, skeathankofoarods.con | wms@bankofbaroda.comB a 3itm aster Bank of Baroda from inception ‘Waiting period for Pre-Existing 24 months waiting period for Diseases (PED) ee pre-existing conditions. Waiting Period for Disease Specific Exclusions (List of diseases detailed in Policy 24 months aeons Wording) Accidental | accidental Cover Sum Insured (SI) Baas | | Cover’ (per member basis) Accidental Death (AD) * Self- 100% of SA; Spouse - 50% of SA; Kids (each) - 25% of SA Optional Benefit - Critical illness ee aaa ae eR eee Covered upto ae Critical iliness SI. aac Illnesses Covered Options available 11 Critical IlInesses Cover Intermediate - 24 (esr illness member 5 basis) Pre-Existing Diseases (PED) waiting nee ae period cus initial waiting period 90 days 90 days Survival Period 30 days 30 days Critical ness Sum Insured (SI) INR 5 lacs, INR 7.5 lacs, INR 10 lacs, INR 15 lacs, INR 20 lacs lac or 2lac aréfén oo server wie Pham / warketing & wealth tome. Dept wie we rat, ata3e, a sare, ara ‘gat rere ara), 346 e00081, Ter Baroda Sun Tower, C- 34, G-block, Bandra Kurla Complex, Bandra (8), Mumbei 400051, radia ate o22- 71592549, fhe/rax: 022 - 6759 2593, mktatbankoseazods cow | wms@hankofharoda.comB ao 3iim aster Bank of Baroda Max Health Plus Loan Linked Annexure-Il Product Overview The incidence of critical illnesses in India is growing rapidly. Coupled with both under- insurance and large non-insurance expenditure, many Indians have large out of Pocket due to critical illness. This has created a space which is not fully filled in by existing insurance schemes. Max Bupa’s Critical Illness cover fulfils this gap. Max Bupa’s Max Health Plus is a comprehensive Insurance solution offers following unique features to Bank of Baroda’s customers. Section 1 - Critical illness Critical Tiiness Sum Insured (SI) INR Upto 3 Crore(SI= Loan Amount) ‘Age band 18-50 Yrs. T Lac -3 Cr. 31-55 Vis TLae- 1 Cr. Tinesses Covered AT illness Pre-Existing Diseases (PED) waiting period | 48 Months Initial waiting period [30 days: Survival Period 30 days Income Protector TNR 25,0007 month upio 3 months Section 2 - Accidental Cover ‘Accidental Cover Sum Insured (SI) Equal to Critical liness Sum Insured | Accidental Death (AD) 100% of Accidental Cover ST ‘Accidental Permanent Total Disability 100% of Accidental Cover SI L@rpy Comatose benefit Deductibles of months upto 40 weeks atthe rate oF 1% of Accidental Cover SI per week ‘Air Ambulance for Accidental Injuries | INR I lac Air Accident Death upto 2x times of Accidental Cover ST Education Allowance for children TNR 25 Lacs List of Critical Iliness covered Lis of Gril nes [ Abdominal Aone Aneurysm Motor neuron disease with permanent symptoms Alshsimer’s Disease Mull sclerosis wih persisting symptoms ‘ont Dissestion [Muscular Dystrophy a vali Syncrome Myocardial infarction [Aplastic Anacrnia [ Nephrotic syndrome EE Dacteral Meingits [open ces CABG [enign bran ur Et Open heart replacement or repair ot heart valves Blindness Parkinson's Disease a" afte ot wer ade Rote / varkoting & wealth ogme. Dope Sita wo ae, 34, Ae oe, aest= ah STN APRN) ARE AOO0SL, TCT Baroda sun fower, C- 34, G-block, Bandra Rorla Coupler, Bendre iB), Mumbei 400081, radia Biv/tet. 022~ 67592568, trax: 022 ~ 6759 2593, mktgtbankofoarods.con | wms@bankofbaroda.comB aq 3iim aster Bank of Baroda Cancer of specified severity Permanent paralysis of limbs Cardiomyopathy including Peripartum and postpartum Cardiomyopathy Pituitary apoplexy in pregnancy Coma of specified severity Pheumonectomy Deafness Primary (idiopathic) pulmonary hypertension nd stage liver failure Progressive Scleroderma End stage lung failure Severe Rheumatoid Arthritis inant Viral Hepatitis Kidney failure requiring regular dialysis Stroke resulting in permanent symptoms Systematic Lupus Erythematous with Renal Involvement Loss of independent existence ‘Third degree burns Loss of limbs Uterine inversion Loss of speech Uterine Rupture Major head trauma Major organ /oone marrow transplant Medullary Cystic Kidney Disease wifes cot amniver via Fs / Marketing & Wealth Yomt. Dept ‘wher we aa, o-34, oft sare, atat- AF OTT STAT) Gee 400052, wre Baroda Sun ower, C- 24 jock, Bandra Kurla Complex, Bendre (E), Munbes 400052, india iiv/rei. o22- 6759254, fwm/¥ax: 022 ~ 6759 2593, mktalbankofbaroda om | wms@bankofbaroda.com