THE NEW INDIA ASSURANCE COMPANY LIMITED

     THE NEW INDIA ASSURANCE
                 COMPANY LIMITED
                          DIVISIONAL OFFICE - 712500
       Allied Mount Casa Blanca Building, 2nd Floor, 260 Anna Salai, CHENNAI-600 006.
                                   Phone 044-852 2886, 044-852 3347    Fax : 044-858 6565 Email : nia25@vsnl.com

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GOOD HEALTH INSURANCE POLICY

New India Assurance and Citibank have jointly devised an innovative and value for money product called
GOOD HEALTH Insurance Policy exclusively for the benefit of Citibank Card members. Good Health policy
provides Mediclaim Insurance and Personal Accident Insurance at very attractive rates. This is an annual policy.
Citibank card members have the option of choosing either Mediclaim or Personal Accident or both. For those availing mediclaim policy, benefit of income tax deduction under section 80-D of Income Tax Act is available. Persons who are all covered under Mediclaim Policy, have to produce their photographs/signature for issuance of identity cards. These cards are issued by our Third Party Administrator, TTK Health Care Services Pvt.Ltd.,

What are the benefits available under this policy?

Group Mediclaim Insurance section provides for reimbursement of hospitalization expenses for illness/diseases/accidents up to the sum insured under the respective plan for the persons covered, subject to policy terms, conditions, and exclusions. It also provides cashless access to card members who are all covered under the Good Health Scheme Policies. Under these Good Health Policies , the claims will be processed and settled by our Third Party Administrator, TTK Health Care Services Pvt.Ltd.

Group Personal Accident Insurance section provides for the following benefits to insured persons, arising out of an accident, subject to policy terms, conditions, and exclusions :

Benefit (% of Sum Insured)	Description of Accidental Loss
100%	Death.
100%	Loss of sight of both eyes
100%	Loss of two entire hands or two entire feet
100%	Loss of one entire hand and one entire foot
100%	Loss of sight of one eye and either one entire hand or one entire foot
50%	Loss of one eye or one entire hand or one entire foot
50%	Loss of use of a hand or a foot without physical separation.
Varying %	Permanent total disablement other than those named above.
Varying %	Certain specified permanent partial disablement
Medical expenses arising out of an accident resulting in death/permanent disablement, subject to a maximum of 10% of the sum insured or claim amount paid, whichever is less, under the respective plan.
Expenses incurred for transportation of the mortal remains of the fatal accident victim (insured person) to the place of residence subject to a maximum of 2% of the Capital Sum Insured or Rs.2,500/- whichever is less.

Who can avail this Good Health policy ?

Any person who is the holder of Citibank credit cards or Citibank Savings Bank A/c can avail this Good health
Policy for self and/or family members only subject to certain restrictions with regard to age limit & health condition.

What is the age limit for availing this Good Health Policy ?

Personal Accident Insurance - Persons in the age group of 5 to 70 years.

Mediclaim Insurance              - Persons in the age group of 5 to 75 years
                                                 Children in the age group of 3 months to less than 5 years can be covered provided
                                                any one of the parents is also concurrently covered under this Insurance.
                                                Persons in the age group of 76 to 80 years can be covered only if they are renewal
                                                customers.

Is there any medical checkup required for taking this Good Health Policy ?

Personal Accident Insurance - No Medical checkup is required.
Mediclaim Insurance - No Medical checkup is required for existing customers.
For fresh applicants, aged 56 years and above medical checkup is required

What is the procedure for availing this Good Health Policy ?

Fill up the Proposal Form for Good Health Policy

Being a Citibank card member all you have to do is, simply call up your local Citiphone Officer for a Good Health
Policy Proposal form. Fresh applicants aged 56 years and above for Mediclaim insurance have to submit a
Medical Practitioner's Report Form together with the reports of specified diagnostic tests, in addition to the proposal
form.

Each proposal form is designed to accommodate only 6 persons. Therefore if you wish to cover more than 6 persons,
you may kindly fill up additional proposal forms.

Send in the completed Proposal form

Kindly send in the duly completed proposal form(s) along with the Medical Practitioner's Report and the reports of
specified diagnostic tests (wherever applicable) to CITIBANK CARD CENTRE, No.2 Club House Road, Anna
Salai, CHENNAI-600 002, so as to reach on or before 20th of the month previous to the month in which you wish
your Good Health policy to commence. For example, if you want coverage from 1st August, your application should
reach above Citibank Card Centre on or before 20th July. Applications received after 20th July but before 20th
August, will be taken up for coverage from 1st September only.

For the convenience of Citibank card members, we have 12 Good Health Policies in a year, one policy for every
month, each commencing from the 1st day of the month. Each Good Health Policy is of 12 months duration.

Payment of Premium

The premium for Good Health Policy in respect of eligible persons will be debited to the Card/Account of the
customers by Citibank. Premium rates for Good Health Mediclaim Policy and Good Health Personal Accident Policy
are given separately.

Issuance of Goodhealth Policy Certificate

Good Health Policy certificates will normally be despatched within 45 days of the commencement of the policy, by
courier.

How to renew this Policy ?

Kindly look in at Renewal of Policy for details. Card members should ensure renewal of their Good health policy
without any break. If you opt for non-renewal of this policy or changes in members for subsequent policies, kindly
inform the Citibank by filling in the application form indicating your preference and ensuring that it reaches at least
10 days prior to the date of commencement of the policy. Once the policy is renewed no request for alteration of
policy choice will be entertained.

How to cancel this Policy ?

In case renewal of policy was effected against the insured's option for non-renewal, the said policy may be
cancelled from its inception, at the request of the insured to either Citibank/the Company, within the
prescribed time limit, and full refund of premium shall be made over to Citibank on behalf of the insured by the
Insurance Company provided no claim has occurred up to the date of cancellation. Citibank's confirmation of
receipt of request for such cancellation will be binding upon the insured.

In all other cases the insured may at any time cancel this policy and in such event the Company shall
allow refund of premium at Company's short period rates only as indicated below, provided no claim has
occurred up to the date of cancellation.

Period on Risk Rate of premium to be retained

            Up to 1 month                           1/4 th of the Annual Rate
            Up to 3 months                         1/2 th of the Annual Rate
            Up to 6 months                         3/4 th of the Annual Rate
            Exceeding 6 months                   Full Annual Rate

In the event of the insured requesting for cancellation of this policy and seeks refund of premium, any certificate issued to the insured for the purpose of claiming deduction under Section 80-D of the Income-Tax Act, 1961, shall also be deemed to be cancelled and the insured cannot claim any deduction for Income-Tax purposes, against the such policy or certificate.

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