21-22-3838894-00

Sharad Kumar
S/O: BANWARI LAL PODDAR VILLA NO 298 OMEX
CITY NEAR BAD KE BALAJI JAIPUR
NA
Tijara
RAJASTHAN
INDIA
301019
8209092696
15/03/2023

Dear Sharad Kumar,

Welcome to the journey of Health and Wellness with Aditya Birla Health Insurance.

We thank you for entrusting us with your Health Insurance needs and choosing Activ Health plan as your preferred choice.
It is our pleasure to have you as a valued customer.

With a vision and commitment to put our customers’ ‘Health First’, we have created this plan that would help you gain
more out of your health journey. Here are some of the important features that come as part of your plan:
TM
Earn up to 100% of your premium as HealthReturns
Get covered from Day 1 for chronic illnesses like Asthma, High Blood Pressure, High Cholesterol, Diabetes
Modern treatment methods covered like stem cell therapy, robotic surgeries, oral chemotherapy and more
Speak to an Expert Health Coach for nutritional, mental or homeopathy consultation
Double your Sum Insured in 2 years with No Claim Bonus

For more benefits and details, read further. In case of any assistance, you can connect with us via the following channels:
WhatsApp: Call: Email:
Send ‘Hi’ on 1800-270-7000 to care.healthinsurance@adityabirlacapital.com
+91 8828800035 speak
to an executive

We assure you of the best customer service always.

Looking forward to a long and successful journey ahead!
Warm Regards,

Mayank Bathwal
Scan QR Code
Chief Executive Officer
to download the App
Aditya Birla Health Insurance Co. Limited.
Activ Health - Policy Schedule
Aditya Birla Health Insurance
Co.Limited, 7th Floor, Modi Office at 2nd Floor, Fortune Heights,
Policy Issuing Office Business Policy Servicing Office C Scheme, Jaipur RAJASTHAN
Centre,Kasarvadavali,Thane(W)-4 302001
00615

Intermediary Intermediary
Sharad Kumar ABH11103086
Name Code
Intermediary Intermediary Sharads.satya@gma
8209092696
Contact Details E-mail ID il.com
Toll Free Number 18002707000

I. Details of Policyholder
Policyholder Name Sharad Kumar
S/O: BANWARI LAL PODDAR VILLA NO 298 OMEX CITY NEAR BAD KE BALAJI JAIPUR
Policyholder Address
Tijara, 301019, Alwar, RAJASTHAN
Mobile Number: 8209092696
Contact Number Emergency/Alternate Contact Number: NA
WhatsApp No, if different from Mobile Number: 8209092696
Email ID shXXXXXXXXXya@Gmail.com

II . Policy Details
Product Name Activ Health Plan Name Platinum - Enhanced
Policy Number 21-22-3838894-00
First Policy Start date with ABHI 15/03/2023
Start Date of Policy & Time 00:00 hrs on 15/03/2023 Expiry Date of Policy & Time 23:59 hrs on 14/03/2024
Policy Type Family Floater Policy Tenure (in years) 1
Policy Category Portability
Mode of Premium payment Single
Portability Yes Previous Policy Number NA
GSTN Number NA GSTN Account Type Consumers
III. Insured Person's Details

Start date of
Policy of
Insured Start Date of First
Pre-existing
Person (in Relationship with Policy with Us
Name of the Insured Person Member ID Age Gender DOB Diseases (if
case of new Policyholder (applicable at policy
applicable)
member renewal)
additions mid
term)
Sharad Kumar NA Self PT90750923 38 Male 25/01/1985 - - NA
Varsha Poddar NA Spouse PT90750924 33 Female 07/04/1989 - - NA
Pujita Poddar NA Daughter PT90750925 4 Female 27/04/2018 - - NA

Continued..............................

Activ Health, Product UIN: ADIHLIP23071V042223

 Applicability of Chronic Management Program (Available for Platinum,
Eligible Room Category Cumulative Bonus
Essential ,Enhanced and Premiere Plan only)
Sum Zone
Waiting Period
Start date of Insured Category
Chronic Condition from Start Date Room Type ICU Charges % Amount
coverage
of First Policy

No 0 15/03/2023

Single
No 0 15/03/2023 600000 Zone III Private upto SI NA NA
A/C Room

No 0 15/03/2023

(for policies Renewed with Us, the Start date of the first Policy with Us will also be displayed against each Insured Person).

Inbuilt Premiere Benefit (Applicable only to Platinum – Premiere Plan)

Personal Accident Cover International Coverage for
Name of the Insured Person Critical Illness Cover
(AD,PTD) major illnesses
Sharad Kumar NA NA NA
Varsha Poddar NA NA NA
Pujita Poddar NA NA NA

Optional Covers*

Name of the Personal Critical Illness International PPN Discount Waiver of Maternity OPD Hospital
Insured Person Accident Cover Coverage for mandatory Expenses Expenses Cash
Cover major illnesses co-payment* Benefit
(AD,PTD) (available with *
base Sum Insured
of 10L & above
only)

Sharad Kumar No No No NA No No No No

Varsha Poddar No No No NA No No No No

Pujita Poddar No No No NA No No No No

* Personal Accident Cover (AD,PTD), Critical Illness Cover, International Coverage for Major Illnesses, Waiver of mandatory co-payment, Maternity
Expenses, OPD Expenses, Hospital Cash Benefit as Optional covers are not applicable for Platinum Premiere Plan.
** Waiver of co-payment is applicable for base benefit and not optional covers except PPN discount, if opted.

Name of the Insured Person Special condition (if applicable)

Sharad Kumar No
Varsha Poddar No
Pujita Poddar No

Name of the Insured Person Pre existing details (if applicable)

Sharad Kumar - -
Varsha Poddar - -
Pujita Poddar - -

-HealthReturnsTM1 (Applicable for Renewal Policy)

-Name of the Insured Person -HealthReturnsTM carried forward from Previous -Total HealthReturnsTM available for utilization
Year

Sharad Kumar NA 0
Varsha Poddar NA 0
Pujita Poddar NA 0
1
Trademarks- Health Returns, Healthy Heart Score and Active Dayz are owned by MMI Group Limited and used under license by Aditya Birla Health
Insurance Co. Limited.

Activ Health, Product UIN: ADIHLIP23071V042223

 IV . Nominee Details
Nominee Name Nominee Relationship with Policyholder Nominee Contact Number
Varsha Poddar Spouse 8209092696

V . Assignment clause

Assignment: This Policy has been assigned to: NA

Relationship with the Assignee: NA
Reason for Assignment: NA

VI . Previous Insurer Details (Only applicable for Portability policies)

Total Ported Sum
Date of first Previous Policy Type of Insured (Sum Waiting period
Name of Insured Person Previous Insurer
enrollment Number Cover Insured + waived off
Cumulative Bonus)

12 Months
waived off on
Aditya Birla Health 21-22-383889 SI 500000;0
Pujita Poddar 15-03-2023 Floater 600000
Insurance Co. Ltd. 4-00 Months waived
off on SI
100000;

MAX Bupa Health Insurance 32313784202

Pujita Poddar 15-03-2022 Floater NA NA
Company Ltd. 200

12 Months
waived off on
Aditya Birla Health 21-22-383889 SI 500000;0
Sharad Kumar 15-03-2023 Floater 600000
Insurance Co. Ltd. 4-00 Months waived
off on SI
100000;

MAX Bupa Health Insurance 32313784202

Sharad Kumar 15-03-2022 Floater NA NA
Company Ltd. 200

12 Months
waived off on
Aditya Birla Health 21-22-383889 SI 500000;0
Varsha Poddar 15-03-2023 Floater 600000
Insurance Co. Ltd. 4-00 Months waived
off on SI
100000;

MAX Bupa Health Insurance 32313784202

Varsha Poddar 15-03-2022 Floater NA NA
Company Ltd. 200

Activ Health, Product UIN: ADIHLIP23071V042223

VII . Benefits under the Policy (shall be displayed as applicable under the Plan in force)

Product Name Activ Health

Product Features / Platinum

Product Variants Enhanced

2 Lac, 3 Lac, 4 Lac, 5 Lac, 6 Lac, 7 Lac, 8 Lac, 9 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 30 Lac, 40
Sum Insured (Rs.)
Lac, 50 Lac, 100 Lac, 150 Lac, 200 Lacs

I. Basic Room Options

Covers upto S.I. - 3 L
1. Shared Room
2. Single Private A/C Room
Room Options
In-patient Hospitalization
S.I. 4L and above
1. Shared Room
2. Single Private A/C Room
3. Any Room
ICU Charges Upto S.I.

Pre-hospitalization Medical
60 days
Expenses

Post-hospitalization Medical
180 days
Expenses

Day Care Treatment Covered up to Sum Insured

Domiciliary Hospitalization Covered up to Sum Insured

Covered up to Actual Expenses per event in case of Network Providers

Road Ambulance Cover
Reimbursed up to Rs.5,000 per Hospitalization for Non-Network Providers

Organ Donor Expenses Covered up to Sum Insured

Reload of Sum Insured Available (Upto 100% SI)

Super Reload Not Available

AYUSH Cover Covered up to Sum Insured

Mental Illness Hospitalisation Covered up to Sum Insured

Obesity Treatment Covered up to Sum Insured

Home Treatment Covered up to Sum Insured

Modern Treatment Methods

and Advancement in Upto Sum Insured for Listed Procedures
Technologies

Domestic Emergency
Assistance Services Available
(including Air Ambulance)

International Emergency
Assistance Services Available
(including Air Ambulance)

OPD Cover 15L and above Rs.1,000

Post-hospitalisation
Not Available
Physiotherapy cover

Premium Waiver 1 Policy Year Premium Waiver, for detection of Listed Illnesses for adults 18 & above

For SI 3 Lac and below

Zone II to Zone I: 10%
Co-payment for treatment in Zone III to Zone II: 15%
a Higher Zone Zone III to Zone I: 25%
For S.I. 4L and above –
Not Applicable

Mandatory Co-payment Not Applicable

Activ Health, Product UIN: ADIHLIP23071V042223

II. Additional Applicable on Sum Insured:
Cumulative Bonus
Benefits 50% increase, Max up to 100% (Upto maximum of 1 Cr)

Dental Consultation &

Available for S.I. 15 Lac and above
Investigations

Health Check- up Program Available, Once in a policy year

Second E-Opinion for Major

Available
Illnesses

1% of Sum Insured, max of

INR 10,000 (Consecutive
Recovery Benefit
10 days of hospitalization
due to accident)

III. Value Chronic Management

Available, As per Annexure 1
Added Program (OPD)
Benefit
Health AssessmentTM Available
TM
HealthReturns Available, upto 100% of Premium

For S.I. 4 Lakhs and above:

Available - Medical,
Nutritional, Mental &
Fitness, Mental Counselling
session, Homeopathy tele
Expert Health Coach
consultation
For S.I. 3 Lakhs and below:
Available - Medical,
Nutritional, Mental &
Fitness

IV. Inbuilt
International Coverage for
Premiere Not Available
major illnesses
Benefit
(Applicable
only to Personal Accident Cover (AD,
Not Available
Platinum – PTD)
Premiere
Plan)
Critical Illness Cover Not Available

V. Optional Personal Accident Cover (AD,

S.I.- 5L,10L,15L,20L,30L
Covers PTD)

S.I.- 3L,5L,10L,15L,20L
Critical Illness Cover
Survival Period - 15 days

International Coverage for

S.I.- 3 Cr/6 Cr, available with base S.I. of 10L & above only
major illnesses

Preferred Provider Network

10% discount available
(PPN) Discount

Waiver of mandatory
Not Available
co-payment

Maternity Expenses Available

Normal delivery –
i Maternity Expenses Rs. 75,000 C section
delivery Rs. 1,00,000

New Born Baby

ii Covered upto Maternity Sum Insured
Expenses

iii Vaccination Expenses Covered upto Maternity Sum Insured

iv Stem Cell Preservation Rs. 35,000, over and above Maternity Sum Insured

Activ Health, Product UIN: ADIHLIP23071V042223

 OPD Limit : Rs. 5,000 to Rs. 20,000, in multiples of Rs. 1,000
General Medical Practitioner/ Specialist Medical Practitioner: 10% of OPD Limit per visit,Medicine
and Diagnostic: 50% of OPD Limit
OPD Expenses Road Traffic Accident Diagnostic (over and above OPD Limit):Rs. 10,000
Cumulative Bonus applicable on Unutilized OPD Expenses*: 5% increase carry forward available for
12 months from the completion of policy year, up to No limit, No reduction on claim.*Not applicable
for OPD limit for Road Traffic Accident diagnostics

Hospital Cash Benefit Rs. 500 to Rs. 5,000 in multiples of Rs. 500 A deductible of 24 hours shall apply under this Benefit.

VIII . Premium Details (Rs)

Basic Premium Premium for Loading Discounts CGST SGST/UTGST IGST Other Total Premium
Optional Covers (if applicable) (if applicable) (9%) (9%) (18%) taxes/Cess
(If Opted) (1%))

11568.55 284 0 0 1066.73 1066.73 NA NA 13986.00

GST Registration No: 08AANCA4062G1ZN PAN Number :AANCA4062G Category: General Insurance SAC Code: 997133

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified
under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule.

The stamp duty of Rs. 1 paid vide MH007928409202223E & 20/09/2022, received from Stamp Duty Authorities vide Receipt No.
0004344810202223 & 06/10/2022, payment has been made vide Letter of Authorisation No. CSD/488/2022/4368 & 10/10/2022 from Main
Stamp Duty Office.

For and on behalf of Aditya Birla Health Insurance Co. Limited

Date : 15/03/2023

Place : Mumbai Authorized Signatory

Activ Health, Product UIN: ADIHLIP23071V042223

 Premium Certificate
We confirm the receipt of premium amount of INR 13986.00 as per below details paid by Sharad Kumar for Self and/or Family and/or Parents:

Policy Number: 21-22-3838894-00 Plan Name: Platinum - Enhanced

Type of Plan: Family Floater Proposer Name: Sharad Kumar

Policy Start Date: 00:00 hrs on 15/03/2023 Policy End Date: 23:59 hrs on 14/03/2024

Receipt Details:

Receipt Number Receipt Amount Instrument Number Dated Relationship Payment Mode Bank Name
RR-22-23-053 pay_LNrGDqEuMB1Z
13986.00 05-03-2023 Self Online Payment NA
1610 ku

Mode of Premium payment Single

Year wise breakup of premium for the purpose of claiming Income Tax deduction u/s 80D (subject provisions of Income Tax Act) is provided as under:

Financial Year Year wise proportionate Premium amount*

2022-23 13,986.00

‘* Premium paid in cash and premium paid towards Personal Accident, Wellness Coach do not qualify for deduction u/s 80D. Further premium paid for person
other than family member & parents (as defined under Income Tax Act) also don’t qualify for deduction under section 80D.

Amount is rounded off to nearest rupee and is inclusive of all taxes and cesses as applicable. For exact premium, please refer to Section VIII of Policy
schedule

Note:
1. The year wise deductions as mentioned above are as per provision of Section 80D and this would be subjected to the specified annual limits and other
provisions as applicable for respective years as per applicable provisions of Income Tax Act.
2. Deduction under section 80D of the Act is allowed to the person who pays premium out of his/her income chargeable to tax.
3. Deduction under section 80D of the Act is available on realization of premium paid by Policyholder.
4. Tax laws are subject to change and any such change could have a retrospective effect. This letter should not be construed as tax, legal or investment
opinion from us. For specific suitability, you are requested to consult your tax advisor.
5. This receipt must be surrendered to the company, in case of cancellation of this policy. In event of incorrect representation of this declaration the liability
shall be upon the policy holder.

For and on behalf of Aditya Birla Health Insurance Co. Limited

Date : 15/03/2023

Place : Mumbai

Authorized Signatory

Activ Health, Product UIN: ADIHLIP23071V042223

Health Add-ons, Aditya Birla Health Insurance Co. Limited - Annexure to Base Policy Schedule
(This need to be read in conjunction with Base Policy Schedule)
Add On Covers (Applicable if opted on paying additional premium) Family Floater Only selected Add-on covers will be displayed

II. Add-on Cover details

Sr
Add On Cover Opted Sharad Kumar Varsha Poddar Pujita Poddar
No.
1 Future Secure
a. Non-Medical Expense
waiver* (Waiver of listed
Non-Medical Expense
exclusion of Base Policy)
b. Sum Insured Inflation
Protector* (Increase in Base
S.I. as per Consumer Price Not Applicable
Index)
c. No Claim Bonus Shield*
(No reduction in NCB in Base
Policy in case claim payable
amount is <25% of SI)
Cancer Hospitalization
Booster* (Up to 100% of
2 Base policy S.I.) (not Applicable
available for Base Policy
with SI above 1Cr)
Reduction in PED waiting
3 Not Applicable/NA
period*
4 Vaccine Cover^ Not Applicable/NA Not Applicable/NA Not Applicable/NA
5 Tele – OPD Consultation^ Not Applicable Not Applicable Not Applicable

Personal Accident#
(Accidental Death,
6 Permanent Total Not Applicable/NA Not Applicable/NA Not Applicable/NA
Disablement, Permanent
Partial Disablement)

Personal Accident:
0 0 0
Cumulative Bonus (%)
Personal Accident:
Cumulative Bonus (Rs) (5%
in respect of each claim free
policy year, maximum of NA NA NA
50% of the Personal
Accident Benefit sum
insured)
Waiting Periods (if any) NA NA NA
* Applied at Policy level to all Insured Persons.
^ Selection of Add-on Cover available at Insured Person level.
# Add-on cover available at Insured Person level with same or different Sum Insured based on eligibility and subject to Underwriting.

Note:

• For more details on Add-on Covers risk factors, please read the terms and conditions carefully.
• All declarations / terms and conditions as per the base proposal form would apply.
• Deductions available under Section 80D of the Income Tax Act except Personal Accident Cover
• In case base product undergoes revision the existing Add-on form will be replaced with subsequently revised version of the product.
 II. Premium Details (RS)
A. Premium Details (RS) (Base Policy + Health Add On)
Premium for Optional
Loading (if Discounts (if SGST/UTGST( Other taxes /
Basic Premium Covers/ Health Add On (If CGST(9%) IGST(18%) Total Premium
applicable) applicable) 9%) Cess (1%)
Opted)

11568.55 284 0 0 1066.73 1066.73 NA NA 13986.00

GST Registration No: 08AANCA4062G1ZN PAN Number :AANCA4062G Category: General Insurance SAC Code: 997133

The stamp duty of Rs. 1 paid vide MH008239866202122E & 30/10/2021, received from Stamp Duty Authorities vide Receipt No./GRASS DEFACE NO
'0004071843202122 & 10/11/2021, payment has been made vide Letter of Authorisation No. CSD/186/2021/4609 Dated 11/11/2021 from Main Stamp Duty
Office.
For and on behalf of Aditya Birla Health Insurance Co. Ltd

Date : 15/03/2023
Authorized Signatory
Place : Mumbai
 21-22-3838894-00

Membership Blood
Name DOB
No. Group
Sharad Kumar PT90750923 25/Jan/1985
Varsha Poddar PT90750924 07/Apr/1989
Pujita Poddar PT90750925 27/Apr/2018