LIC JEEVAN ANKUR Features :

•A must plan for all parents.

•Parent is the Life Assured, child is the Beneficiary.

•Death Benefit = Sum Assured + Income Benefit + Maturity Benefit *.

•Maturity Benefit = Sum Assured + Loyalty addition.

• Riders to customize Jeevan Ankur policy.

• Accident Benefit Rider
• Critical Illness Benefit Rider( With an additional option of Premium Waiver Benefit)

•Immediate payment of an amount equal to the Basic Sum Assured.

•Income Benefit – Income Benefit equal to 10% of the Basic Sum Assured is payable on each Policy anniversary from the policy anniversary coinciding with or next following the date of death, till the end of policy term to the nominee child.

•Another lump sum equal to Basic Sum Assured with Loyalty Addition, on the maturity date

Jeevan Ankur Eligibility conditions – Critical Illness Rider

Jeevan Ankur Eligibility conditions – Accident Benefit Rider

LIC Jeevan Ankur Benefit Illustration

Reasons to buy LIC Jeevan Ankur

•Monetary Benefits of the plan shall enable your child to meet important financial expenses during his/her growing-up years.

•The immediate payment of amount equal to the Sum Assured will help meet financial  needs that arise on demise of the Life Assured.

•Continued benefit of 10% of SA on every policy anniversary till Maturity is helpful in meeting educational  expenses from time to time.

•Plus the Maturity Benefits of  Basic Sum Assured  and Loyalty Additions, shall be available on maturity irrespective of your survival.

.You can customize your plan through Accidental Benefit Rider and Critical Illness Rider as additional security is always an added advantage.

Presenting IDFC Infrastructure Bonds – Tranche 2.

SPECIFIC TERMS FOR EACH SERIES OF TRANCHE 2 BONDS

TAX ADJUSTED RATE OF RETURN FOR TRANCHE 2 BONDS

Below are the details of the Issue:

You can Apply to this bond issue in both physical as well as dematerialized form.

Documents Required for Physical Mode

• Self-attested copy of the PAN card
• Self-attested copy of a cancelled cheque of the bank account to which the amounts pertaining to payment of refunds, interest and redemption, as applicable, should be credited
• Self-attested copy of the proof of residence.

Any of the following Documents shall be considered as a verifiable proof of residence

• Ration card issued by the GOI or
• Electricity bill (not older than three months) or
• Landline telephone bill (not older than three months) or
• Valid passport issued by the GOI or
• Voters Identity Card issued by the GOI or
• Passbook or latest bank statement issued by a bank operating in India or

Documents for Demat Mode

• Self-attested copy of the PAN card

Customers of Muthoot Finance are typically small businessmen, vendors, traders, farmers and salaried individuals. They provide retail loan products, primarily comprising Gold Loans. They also disburse other loans, including those secured by Muthoot Gold Bonds. Their Gold Loans have a maximum 12 month term. Other then Gold Loans business, they provide money transfer services through their branches as sub-agents of various registered money transfer agencies. Company also operates three windmills in the state of Tamil Nadu.

Muthoot Finance is coming up with a public issue of Secured Non-Convertible Debentures of face value of Rs. 1,000 each, (NCDs), aggregating upto Rs. 300 Crores with an option to retain over-subscription upto Rs. 300 Crores for issuance of additional NCDs aggregating to a total of upto Rs. 600 Crores.Public issue of Muthoot Finance NCD will remain open from Dec 22, 2011 to Jan 07, 2012. Minimum order quantity for Muthoot NCD is 5 NCDs (Rs 5000) and after that in multiples of 1 NCD (Rs 1000).

The NCD is available for 4 tenors – 24 months, 36 months, 60 months and 66 months. The coupon rate for this NCD is fixed at 13.00% to 13.43% based on the tenors of the NCD. Redemption amount will be repayment of the Face Value plus any interest that may have accrued at the Redemption Date.

The Issue is rated by CRISIL and ICRA with AA-/Stable rating. ICICI Securities Limited, A.K. Capital Services Limited HDFC Bank Limited and Karvy Investor Services Limited are the Lead Managers for this issue.

Company Promoters:

The following individuals are the Promoters of the Company:

1. M.G. George Muthoot;

2. George Thomas Muthoot;

3. George Jacob Muthoot; and

4. George Alexander Muthoot

Company Financials:

The funds raised through this NCD will be utilised for various financing activities including:Objects of the Issue:

1. Lending and investments,
2. To repay existing liabilities or loans and
3. Towards business operations including for capital expenditure and working capital requirements, after meeting the expenditures of and related to the Issue.

Issue Detail:

»»  Issue Open: Dec 22, 2011 – Jan 07, 2012
»»  Issue Type: Fixed Price Issue NCD
»»  Issue Size: Equity Shares of Rs. 1000
»»  Issue Size: Rs. 300.00 Crore
»»  Face Value: Rs. 1000 Per Equity Share
»»  Issue Price: Rs. 1000 Per Equity Share
»»  Market Lot: 1 Shares
»»  Minimum Order Quantity: 5 Shares
»»  Listing At: BSE

Age Limit: – Any person aged between 5 months to 60 years residing in India can take this  Insurance.

Family Includes: – Proposer, Spouse, dependent children up to 25 years, those who are  economically dependent on their parents.

Discount: – A discount of 10% on Premium is allowed on renewal of the policy if there is no  claim in the immediately preceding year of the policy. This discount is not cumulative.

Policy Benefits

• Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions.
• Nursing expenses
• Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Exclusions: -

• Expenses for the treatment of any illness/ disease/condition which is pre-existing
• Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
• First Two Years Exclusions : Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers
• First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders,congenital internal disease/defects, removal of gallstones and renal stone
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses incurred for non-allopathic treatment
• Treatment of external Congenital disease/defects/anomalies
• Expenses which are mainly cosmetic in nature.

Age Limit: – For people aged between 60 and 69 years.Guaranteed renewals beyond 69 years.

Major product features :-

• No pre-insurance medical test required
• Treatment at network hospitals only
• All pre-existing diseases are covered from first year, except those for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal
• Disease for which treatment or advice was recommended by or received during the immediately preceding 12 months from the date of proposal will be covered from second year onwards

Policy benefits

• Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @1% of sum
• ICU expenses per day @ 2% of sum insured
• Nursing expenses
• Surgeon’s fees, consultant’s fees, Anesthetist’s and specialist’s fees, per illness @ 25% of sum insured
• Cost of blood, oxygen, pacemaker
• Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
• Treatment for Cardiovascular Diseases / Cerebrovascular Accident/Cancer and breakage of Bones : upto Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
• Cataract (both eyes included), up to Rs.15,000/-
• Renal Complications : up to Rs.75,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,50,000/- where the sum insured is Rs.2,00,000/-
• All other Major Surgeries : upto Rs.60,000/- where the sum insured is Rs.1,00,000/- and upto Rs.1,20,000/- where the sum insured is Rs.2,00,000/-
• Emergency Ambulance Charges for transporting the Insured Person to the Hospital @Rs.600/- per Hospitalization and Rs.1200/- per Policy period

Exclusions

• Treatments currently availed or availed during the previous 12 months from date of proposal
• Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
• First Two-year exclusions : Hernia, Piles, Hydrocele, Congenital Internal disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign Prostrate Hypertrophy
• Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee Replacement surgery(other than caused by an accident),Prolapsed Intervertebral Discs, Varicose Veins, Ulcers
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses for treatments that are mainly cosmetic in nature
• 50% co-payment applicable for pre-existing diseases conditions
• 30% co-payment applicable for all other claims

For Buy/ Purchase or Renew your Star Health Senor Citizen Red Carpet Policy Call us on 9825472919.

• Family floater
• Cashless settlement
• Innovative covers offered
• Quick settlement of claims
• Renewal discount
• Cumulative bonus

Contact us on 098254 72919 for buy/ purchase a new policy or renew with Future Generali General Insurance. Avdhoot Investment is Corporate Agent for General Insurance.

Family Floater Health Insurance Plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits.

Policy Details

Key Benefits

• Comprehensive coverage for your family with floater benefit.
• Cashless claims facility at over 4000+ network hospitals across India.
• Continue to enjoy quality service even during claim settlements with ICICI Lombard Health Care- our own in house health claim processing and wellness team.
• No Sub-limits on room rent, doctor fees and hospital charges or for any disease or any hospitalization expenses.
• You will get a Free health check-up coupon for any one insured family member, valid for the policy period.

What is Covered

• Medical expenses incurred as an impliment during hospitalisation for more than 24 hours, including room charges, doctor/surgeon’s fee, medical bills, etc.
• Medical expenses incurred 30 days prior and 60 days post hospitalisation.
• Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy).

What is not Covered?

Exclusion valid for the first 30 days.
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.

Eligibility

• The customer can buy the policy for any family member(s) children and/ or parents.
  The Senior most person to be insured should be between 5 to 60 years of age.
• The Proposer needs to be aged above 18 years.

Claims
Refer to you cashless claim card and check th logo displayed to determine your service provider. Or Call us on +91- 98254 72919 for more detail.

• Complete family including Spouse, Children, Parents and Parents-in-laws can be covered under one policy
• Policy covers upto highest age – upto 80 years

Four types of benefits are covered

•   Hospital Cash Benefit (HCB)- This is the benefit payable on a daily basis as per the number of days hospitalised. In case of hospitalisation less than 7 days, first 24 hours are not payable. You can choose between Rs.1000 to Rs.4000 daily benefit. Further this benefit increases by 5% every year till it reaches 150% of initial HCB, thus taking care of inflating costs.
•  Major Surgical Benefit (MSB)- In the event of surgery this benefit is payable. MSB is 100 times of HCB. One Annual Premium will be Waived*.
• Day Care Procedure Benefit (DCPB)- Paid for specified Day-care procedures undergone. This is 5 times of the applicable HCB. You can avail this benefit upto 3 times in a year.
• Other Surgical Benefit (OSB) - This benefit is payable for surgeries not listed under MSB or DCPB. Like HCB this is also payable on daily basis (excluding first 24 hrs) and the amount is equal to 2 times of the applicable HCB.

Riders Available

• Term Rider - Life Insurance cover can be availed upto 100 times of HCB subject to a minimum of Rs.1,00,000. This cover can be upto age 60 and is available to the Principal Insured and his / her spouse only.
• Accident Benefit Rider - Additional cover against accident upto age 60 if Term Rider has been opted.

No Claim Benefit: - In case of no claim the HCB will increase after every 3 years.

Premium Rate Guaranteed for 3 years :- Your healthcare premium being charged today is guaranteed for 3 years. The Corporation may review the rates based on its experience after every 3 years.

No risk of market - This is a Non-ULIP, Non-participating policy. Hence all the benefits enumerated are guaranteed and not subject to volatile market conditions.

Tax Benefit – Premium paid is eligible for benefits under Section 80(D).

• No.1 private sector Health Insurance Company in India. Source IRDA Unaudited results
• India’s first Exclusive Standalone Health Insurance Company
• Pan India Presence
• No-Claim discount
• 24 X 7 FREE Expert Doctor consultation
• Large Hospital Network of more than 4600 Hospitals
• Cashless Hospitalization Facility
• Faster settlement of Claims, no TPA involved
• Wide range of Products