Supplementary Benefit Plans

10. Shifa Care

This rider pays a cash amount if the insured is hospitalized. The hospitalization can be due to sickness or accident. The cash income starts the very first day of the hospitalization and can continue for up to 365 days for each confinement.

It offers fixed amounts of benefits irrelevant of the basic life policy (IGP) face amount. There are four different plans. The benefit payable is in addition to any other insurance the insured may have. The cash income is paid regardless of expenses, even if the insured is in a free hospital.

The advantage of this rider is that it gives the insured the option of covering his/her family on the same basic policy. That means that once a person has effected the IGP, he/she can also take this rider for the remaining family without having to take the IGP for the family. Thus one single policy can cover the whole family in case of hospitalization.

BENEFITS	Plan 1	Plan 2	Plan 3	Plan 4
Accident & Sickness Daily Benefit	Rs.1,500	Rs.1,000	Rs.750	Rs.500
Double Benefit for 9 Dread Diseases	Rs.3,000	Rs.2,000	Rs1,500	Rs.1,000

Annual Premium Under Age 40:	Rs.5,445	Rs.3,629	Rs.2,723	Rs.1,815
40 – 49	6,804	4,536	3,402	2,268
50 – 59	7,710	5,141	3,855	2,570
(Renewals Only) 60 – 65	8,769	5,846	4,385	2,923
Children (ages 1–19 or 23 if full time students)	4,083	2,722	2,042	1,360

THE 9 DREAD DISEASES

The In-Hospital Daily Cash Income is doubled for the first 14 days of confinement as detailed above, if the insured or the insured family members are hospitalized due to any on of the following 9 Dread Diseases per the policy definition: • Heart Attack • Coronary artery Disease • Stroke • Cancer • Renal Failure • Blindness due to Sickness • Paralysis • Major Burns • Major Organ Transplant