OVERSEAS TRAVEL PRODUCTS FROM CHOLA MS

About Chola MS Cholamandalam is a constituent company of the USD 2 Billion Murugappa group The Murugappa group is the only Indian (& Asian) business house to be awarded The Distinguished Family Business Award (2001) from the International Institution of Management Development, Switzerland. Murugappa is well known by its products and the companies like TI cycles (BSA SLR, Hercules etc.), Carborundum Universal, Parryware, Coramandel Fertilizers, Godavari Fertilizers,Parry’s confectionery & Cholamandalam Investment and Finance company. Mitsui Sumitomo Insurance Co Ltd, (MS) is one of the largest insurance companies, operating in the core business of non-life insurance, and with operations spanning 36 countries across the globe 1 October 2001, from the merger of Mitsui Marine and Fire Insurance Co Ltd and The Sumitomo Marine & Fire Insurance Co Ltd – formed the second largest insurance company in Japan

Travel Product Group Umbrella Overview TRAVEL PRODUCT TREE SHORT TERM TRAVEL ANNUAL MULTI TRIP STUDENT TRAVEL PRAVASIYA BHARATI BIMA YOJNA SILVERGOLDSR CITIZEN GOLD SILVERGOLDPLATINIUM USD USD USD USD USD USD USD USD USD USD USD USD USD USD INR

Short Term Travel Product - Coverage Silver Cover BenefitsSum Insured ( USD )Deductibles ( USD ) Medical Cover50K / 100K100 Repatriation of remains 7,500( within the overall medical limit ) - Dental Treatment25050 Checked Baggage Loss250- Checked Baggage Delay10012 hrs Passport Loss15030 Personal Accident - Overseas10,000- Personal Liability100,000- Hijack Relief Benefit ( $ 100 / day ; max 7 days ) hrs Personal Accident – Domestic*INR 100,000

Short Term Travel Product - Coverage Gold Cover BenefitsSum Insured ( USD )Deductibles ( USD ) Medical Cover100K / 250K100 Repatriation of remains 7,500( within the overall medical limit )- Dental Treatment25050 Checked Baggage Loss1000( 500 for Medical SI 100K )- Checked Baggage Delay10012 hrs Passport Loss25030 Personal Accident - Overseas25,000 ( 10,000 for Medical SI 100K )- Personal Liability100,000- Hospital Daily Cash ( $ 25 / day for max 14 days )350 Financial Emergency250- Hijack Relief Benefit( $ 100 per day ; max of 7 days )70012 hrs Personal Accident – Domestic*INR 250,000 Trip Cancellation50050 Trip Curtailment50050 Trip Delay ( $ 10 per 12 hrs; max 150 )15012 hrs International Driving License Loss10025 Home Burglary ( Contents - First Loss basis )INR 200,000INR 2500

Short Term Travel Product - Coverage Senior Citizens( 71 – 80 yrs ) BenefitsSum Insured ( USD )Deductibles ( USD ) Medical Cover50K100 Repatriation of remains ( within the overall medical limit ) 7,500 - Dental Treatment25050 Checked Baggage Loss250- Checked Baggage Delay10012 hrs Passport Loss15030 Hijack Relief Benefit(100 per day ; max of 7 days )70012 hrs Personal Accident - DomesticINR 100,000- Limits under Medical SI any one illness : USD 12,500 ( 71 – 75 yrs ) // 76 – 80 yrs : USD 10,000 any one accident : USD 25,000 Medical check-up mandatory : Insured to bear the cost of same. Pre defined format for Medical Check-up/tests. Internal medical vetting of reports for risk acceptance/rejection List of Tests for Senior Citizen : Medical Examination Report, FBS, CBC, Total Cholesterol Serum Creatnine, SGOT and ECG

Product USPs Unconditional cover* –Covers adventure sports like bungee jumping / parasailing / paragliding / deep sea walk / trekking etc Door to door coverage –personal accident cover from residence to international airport and back Per day rates –Pay for your actual duration and not for prefixed slabs Coverage up to 70 yrs with out medical check-up ( except that for the 61 – 70 yrs category, above 90 days trip duration, if the Insured has declared any pre existing condition or illness then Medical check-up is mandatory ) –Hassle free and simple to purchase Cashless settlement of hospitalisation claims abroad –Tie-up with Mercur Assistance of Germany for settlement of medical claims, overseas Coverage up to 360 days 2 Coverage options – Silver & Gold Online policy issuance –Convenience for last minute changes New geographical scope - Asia Pacific( excl. Japan ) –Extra price advantage ( includes the continents of Asia – except Japan - and Australia ) * Risk I / Risk II applies

Annual Multi Trip Travel Product - Coverage Gold Cover BenefitsSum Insured USD - AMTDeductibles ( USD ) Medical Cover100K / 250K100 Repatriation of remains 7,500( within the overall medical limit ) - Dental Treatment25050 Checked Baggage Loss1000( 500 for Medical SI 100K )- Checked Baggage Delay10012 hrs Passport Loss25030 Personal Accident - Overseas25,000 ( 10,000 for Medical SI 100K ) - Personal Liability100,000- Hospital Daily Cash ( $ 25 / day for max 14 days )350 Financial Emergency250- Hijack Relief Benefit( $ 100 per day ; max of 7 days )70012 hrs Personal Accident – Domestic*- Trip Cancellation50050 Trip Curtailment50050 Trip Delay ( $ 10 per 12 hrs; max 150 )15012 hrs International Driving License Loss10025 Home Burglary ( Contents - First Loss basis )-INR 2500

Product USPs Annual Multi-trip Plans –Apt for frequent individual travellers –Available in 3 geographical scope : W / X / AP –Trip duration options of max. 30 / 45 / 60 / 90 consecutive travel days

Salient Features Personal Accident – Domestic –Door to door coverage. Most travel policies commence only upon crossing the international border of India leaving you at your own risk during your movement from your residence to the airport of international departure. With Chola you stand covered Trip Cancellation –Compensation for non refundable expenses on cancellation of tickets, hotel bookings & scheduled tours if the trip is cancelled prior to commencement due to Death or Critical Illness of self or family members Aircraft being delayed for at least 24 hrs due to strike/riot/weather/break- down etc Serious damage to the house due to fire / flood / quake etc

Salient Features Trip Curtailment –Compensation for non refundable expenses on cancellation of tickets, hotel bookings & scheduled tours if the trip is cancelled( curtailed ) after commencement due to Death or Critical Illness of self or family members Aircraft being delayed for at least 24 hrs due to strike/riot/weather/break-down etc Serious damage to the house due to fire / flood / quake etc Trip Delay –Compensation towards expenses on meals & lodging in the event of a trip delay, in excess of 12 hrs, wherein the airline has not provided for the same. The delay should be due to : Severe weather condition Strikes or any other industrial actions of the employees Aircraft breakdown Loss of passport Home Burglary –Compensation on a first loss basis towards the loss of or damage to the contents at home, whilst you are abroad International Driving License loss –Compensation towards duplicate or fresh license in the event of loss of the license abroad

Student Travel Suitability The policy covers persons in the age group of 16 years to 35 years. (Persons above the age of 35 years can be covered at the discretion of the company on merits) B The policy can be issued to students only Cover Number DeductiblePlatinumGoldSilver 1. Medical Treatment including Transportation of Mortal Remains up to $ 7,500/- $100 $50,000 $100,000 $250,000 $50,000 $100,000 $250,000 $50,000 $100,000 $250, Medical Expenses Extension (sublimit to medical Treatment above) $100Included NA 3. Dental Treatment$100$ Total Loss of Checked BaggageNil$1,000 NA 5. Personal Accident - OverseasNil$25,000 NA 6. Personal LiabilityNil$100,000 NA 7. Bail BondNil$5,000 NA 8. Study InterruptionNil$7,500 NA 9. Sponsor ProtectionNil$10,000 NA 10. Personal Accident – DomesticNilINR 200,000 NA 11. Compassionate VisitNil$ 7,500 NA

Salient Features – Student Travel Compassionate Visit: The insurer shall pay compensation, to the insured in the event of compassionate visit by on immediate family member, up to the amount stated in the policy. Sponsor Protection: In the event of injury to the insured’s first named sponsor as stated in the enrolment form resulting in death in any form, the insurer shall reimburse the insured the tuition fees incurred for the remaining period of this education up to the maximum limit stated in the policy schedule Study Interruption: The insurer shall pay the insured, compensation in the event of study interruption up to the amount states in the policy schedule. Bail Bond: If the insured is arrested or detained by the police/judicial authorities of the place at which he has specified in the proposal form whilst abroad and if the offence for which he is arrested or detained is bail able, then the amount up to the maximum specified against this benefit in the policy schedule to the policy, will be provided to the appropriate authority, subject to terms and conditions and the exclusions. Note: The above narrations are summarized, for detailed amounts of coverage, exclusions and other terms please go thru the policy wording.

Student Travel USPs 1) Standard Coverage in line with foreign university norms 2) Out patient & hospitalisation medical expenses covered for 1 year 3) 2nd year extension available 4) Special Medical Extension available (Platinum Plan) - to make it university specific * Treatment of mental / nervous disorders including alcoholism / drug dependency * In patient medical expenses related to pregnancy * Medical expenses for inter college sports injuries * Cancer screening and mammography examinations 5) New Geographical Scope - Asia Pacific (excl. Japan) 6) Door to Door coverage 7) Cashless hospitalisation abroad 8) Extra Savings - available in Indian rupees & thus much cheaper than cost of insurance abroad

Special Terms & Conditions Medicals check –up is not required for the product uptil the age of 70 yrs ( except that for the 61 – 70 yrs category, above 90 days trip duration, if the Insured has declared any pre existing condition or illness then Medical check-up is mandatory ) Minimum age shall be 6 months and maximum 70 yrs( except for family plans ) For family plans it shall be 6 months and 60 yrs for parents and up to 25 yrs for kids. –Sum Insured limits are applicable per person –For family price to be applicable the composition has to be Minimum 2 adults ( self + spouse ) & 1 kid = 3 members Maximum 2 adults ( self + spouse ) & 4 kids = 6 members Maximum initial trip duration shall be 180 days. The policy can be extended once by a maximum of another 180 days –For age up to 60 yrs, the maximum trip duration including the extension shall be 360 days –For age above 60 yrs, the maximum trip duration including the extension period shall be 180 days Extension premium = premium payable for the total trip – premium already paid –Max one extension permitted under the product Deductible is charged for each separate incident reported even though the claim may be registered under the same benefit more than once Adventure sports are covered only if applicable additional premium is paid for –100 % for Risk 1 : professional / semi-professional, amateur sportsperson ( games not requiring physical exertion of more than normal nature like billiards/carom/snooker/chess etc are not considered as Risk 1 and are treated as normal risk only –200 % for Risk 2 – any sporting activity that is dangerous eg of indicative activities are parachuting / parasailing / bungee jumping / mountaineering / Premium Chargeable depends upon –Age –Duration –Sum Insured –Coverage –Geographical Scope Pre existing disease/illness means any ailment / condition which is existing prior to undertaking the trip abroad. These are specifically excluded from the scope of the insurance cover Terrorism is an exclusion under the entire scope of cover except under Hijack benefit wherein it is a special exclusion. Infact, the befit is likely to arise only out of a terrorist act ( leading to hijack )

Cheers !