Common use of Portability & Continuity Benefits Clause in Contracts

Portability & Continuity Benefits. Portability means transfer by an Individual health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch from one insurer to another. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from the premium renewal date of his/her existing policy; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All waiting periods under Sections 3 shall be applicable individually for each Insured Person and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (j) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.

Portability & Continuity Benefits. Portability means transfer by an Individual All health insurance policyholder (including family floater cover) of the credit gained for pre-policies are portable. You can port Your existing conditions and time bound exclusions if he/ she chooses health insurance policy from another company to switch from one insurer to another. It is further agreed and understood this Policy, provided that: (a) a. You have been covered under an Indian retail health insurance policy from a nonNon-life insurance company or Health Life Insurance company registered with IRDAI IRDA without any break; (b) b. We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policyYour present period of Insurance; (c) c. If the Base Annual Sum Insured sum insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under <<Section 3 III>> shall be waived reduced by the number of months of continuous coverage under such health insurance policy with the previous insurer to the extent of the Base Annual Sum Insured and eligible cumulative bonus sum insured under the expiring policy with the previous insurerhealth insurance policy; (d) d. In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall <<Section III>>shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed exceeds the total of Base Annual Sum Insured and eligible cumulative bonus sum insured under the expiring health insurance policy; (e) e. All waiting periods under Sections 3 shall <<Section III>>shall be applicable individually for each Insured Person and claims shall be assessed accordingly.; It is further agreed and understood that: (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) a. We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer covercover under this Policy, the decision as to which shall be as per our underwriting practices in Our sole and underwriting policy of the Companyabsolute discretion. (j) b. There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) c. Before the applying the Portability provisions hereunder, We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o : a. We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis. b. If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of to a full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately Alternately, We may deduct the premium for the balance periodPolicy Period and pay the balance claim amount if any and issue the Policy for the remaining Period Period.

Portability & Continuity Benefits. Portability means transfer by an Individual You can port Your existing health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses policy from another company to switch from one insurer to another. It is further agreed and understood ProHealth Insurance, provided that: (a) a. You have been covered under an Indian retail health insurance policy from a nonNon-life insurance company or Health Insurance company registered with IRDAI IRDA without any break;break in the immediate previous policy. (b) b. We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policy;Your present period of Insurance (c) c. If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 Sections V.1, V.2, V.3, V.4, and V.5 shall be waived reduced by the number of months of continuous coverage under such health insurance policy with the previous insurer to the extent of the Base Annual Sum Insured and eligible cumulative bonus the Eligible Cumulative Bonus under the expiring policy with the previous insurer;health insurance policy. (d) d. In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 V.1,V.2, V.3, V.4, and V.5 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured sum insured and eligible cumulative bonus Eligible Cumulative Bonus under the expiring health insurance policy; (e) e. All waiting periods under Sections 3 V.1, V.2, V.3, V.4, and V.5 shall be applicable individually for each Insured Person and claims Claims shall be assessed accordingly. (f) f. If You were covered on a floater basis under the expiring Policy and apply for a floater cover under this Policy, then the Eligible Cumulative Bonus to be carried forward on this Policy shall also be available on a floater basis. g. If You were covered on an individual basis in the expiring Policy then the Eligible Cumulative Bonus to be carried forward on this Policy shall be available on an individual basis. For the purpose of this provision, Eligible Cumulative Bonus shall mean the Cumulative Bonus which You or the Insured Person would have been eligible for had the same policy been Renewed with the existing insurance company. It is further agreed and understood that a. Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured sum insured and accrued cumulative bonus (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) b. We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices in Our sole and underwriting policy of the Companyabsolute discretion. (j) c. There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) d. We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. All benefits under the Policy will terminate on successful porting of the Policy other than any Health Maintenance Benefit under Accumulate Plan which will be available for a claim up to a period of 12 months from the date of expiry of such policy. In case You have opted to switch to any other insurer under Portability portability provisions and the outcome of acceptance of the Portability portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o , a. We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis. b. If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period and pay the balance claim amount if any and issue the Policy for the remaining period.

Portability & Continuity Benefits. Portability means transfer by an Individual health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch from one insurer to another. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policyyour present period of insurance; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All waiting periods under Sections 3 shall be applicable individually for each Insured Person and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (jh) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (ki) We should have received the database and claim history from the previous insurance company for Your previous policy. (la) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers non-life insurance companies including family floater policies o policies (b) Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers non-life insurance company shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or he, she shall be accorded the right mentioned in clause (ba) above. (m) . The Portability provisions will apply to You, if You wish to migrate \ from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o , (a) We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis (b) If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.

Portability & Continuity Benefits. Portability means transfer by the right accorded to an Individual individual health insurance policyholder (including family floater cover) of ), to transfer the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch exclusions, from one insurer to anotheranother or from one plan to another plan of the same insurer. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from the premium renewal date of his/her existing policy; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All We will apply the waiting periods under Sections 3 shall be applicable individually for each Insured Person based on his previous policy details and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured.. Page 15 Kotak Mahindra General Insurance Company Ltd., Kotak Health Premier UIN: KOTHLIP18089V011718 Policy Wording (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (j) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.

Portability & Continuity Benefits. Portability means transfer by an Individual You can port Your existing health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses policy from another company to switch from one insurer to another. It is further agreed and understood ProHealth Select, provided that: (a) a. You have been covered under an Indian retail health insurance policy from a nonNon-life insurance company or Health Insurance company registered with IRDAI without any break;break in the immediate previous policy. (b) b. We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policy;Your present period of Insurance (c) c. If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 Sections V.1, V.2, V.3, V.4 shall be waived reduced by the number of months of continuous coverage under such health insurance policy with the previous insurer to the extent of the Base Annual Sum Insured and eligible cumulative bonus the Eligible Cumulative Bonus under the expiring policy with the previous insurer;health insurance policy. (d) d. In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 V.1,V.2, V.3, V.4 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured sum insured and eligible cumulative bonus Eligible Cumulative Bonus under the expiring health insurance policy; (e) e. All waiting periods under Sections 3 V.1, V.2, V.3, V.4 shall be applicable individually for each Insured Person and claims Claims shall be assessed accordingly. (f) f. If You were covered on a floater basis under the expiring Policy and apply for a floater cover under this Policy, then the Eligible Cumulative Bonus to be carried forward on this Policy shall also be available on a floater basis. g. If You were covered on an individual basis in the expiring Policy then the Eligible Cumulative Bonus to be carried forward on this Policy shall be available on an individual basis. For the purpose of this provision, Eligible Cumulative Bonus shall mean the Cumulative Bonus which You or the Insured Person would have been eligible for had the same policy been Renewed with the existing insurance company. It is further agreed and understood that a. Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured sum insured and accrued cumulative bonus (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) b. We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per in Our sole and absolute discretion. All decisions will be in line with our board approved underwriting practices and underwriting policy of the Companypolicy. (j) c. There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) d. We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability portability provisions and the outcome of acceptance of the Portability portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o , a. We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis. b. If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period and pay the balance claim amount if any and issue the Policy for the remaining period.

Portability & Continuity Benefits. Portability means transfer by an Individual You can port Your existing health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses policy from another company to switch from one insurer to another. It is further agreed and understood ProHealth Insurance, provided that: (a) a. You have been covered under an Indian retail health insurance policy from a nonNon-life insurance company or Health Insurance company registered with IRDAI IRDA without any break; (b) b. We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policy;Your present period of Insurance (c) c. If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 Sections V.1, V.2, V.3, V.4, and V.5 shall be waived reduced by the number of months of continuous coverage under such health insurance policy with the previous insurer to the extent of the Base Annual Sum Insured and eligible cumulative bonus the Eligible Cumulative Bonus under the expiring policy with the previous insurer;health insurance policy. (d) d. In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 V.1,V.2, V.3, V.4, and V.5 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured sum insured and eligible cumulative bonus Eligible Cumulative Bonus under the expiring health insurance policy; (e) e. All waiting periods under Sections 3 V.1, V.2, V.3, V.4, and V.5 shall be applicable individually for each Insured Person and claims Claims shall be assessed accordingly. (f) f. If You were covered on a floater basis under the expiring Policy and apply for a floater cover under this Policy, then the Eligible Cumulative Bonus to be carried forward on this Policy shall also be available on a floater basis. g. If You were covered on an individual basis in the expiring Policy then the Eligible Cumulative Bonus to be carried forward on this Policy shall be available on an individual basis. For the purpose of this provision, Eligible Cumulative Bonus shall mean the Cumulative Bonus which You or the Insured Person would have been eligible for had the same policy been Renewed with the existing insurance company. It is further agreed and understood that a. Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured sum insured and accrued cumulative bonus (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) b. We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices in Our sole and underwriting policy of the Companyabsolute discretion. (j) c. There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) d. We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability portability provisions and the outcome of acceptance of the Portability portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o , a. We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis. b. If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period and pay the balance claim amount if any and issue the Policy for the remaining period.

Portability & Continuity Benefits. Portability means transfer by an Individual health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch from one insurer to another. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from the premium renewal date of his/her existing policy; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All waiting periods under Sections 3 shall be applicable individually for each Insured Person and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (j) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.

Portability & Continuity Benefits. Portability means transfer by the right accorded to an Individual individual health insurance policyholder (including family floater cover) of ), to transfer the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch exclusions, from one insurer to anotheranother or from one plan to another plan of the same insurer. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from the premium renewal date of his/her existing policy; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All We will apply the waiting periods under Sections 3 shall be applicable individually for each Insured Person based on his previous policy details and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (j) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (k) We should have received the database and claim history from the previous insurance company for Your previous policy. (l) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers including family floater policies o Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or she shall be accorded the right mentioned in clause (b) above. (m) The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of o the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.

Portability & Continuity Benefits. Portability means transfer by an Individual health insurance policyholder (including family floater cover) of the credit gained for pre-existing conditions and time bound exclusions if he/ she chooses to switch from one insurer to another. It is further agreed and understood that: (a) You have been covered under an Indian health insurance policy from a non-life insurance company or Health Insurance company registered with IRDAI without any break; (b) We should have received Your application for Portability with complete documentation at least 45 days, but not earlier than 60 days from before the premium renewal date expiry of his/her existing policyYour present period of insurance; (c) If the Base Annual Sum Insured under the previous Policy is higher than the Base Annual Sum Insured chosen under this Policy, the applicable waiting periods under Section 3 shall be waived to the extent of the Base Annual Sum Insured and eligible cumulative bonus under the expiring policy with the previous insurer; (d) In case the proposed Base Annual Sum Insured opted for under Our Policy is more than the insurance cover under the previous policy, then all applicable waiting periods under Sections 3 shall be applicable afresh to the extent of the amount by which the Base Annual Sum Insured under this Policy exceed the total of Base Annual Sum Insured and eligible cumulative bonus under the expiring health insurance policy; (e) All waiting periods under Sections 3 shall be applicable individually for each Insured Person and claims shall be assessed accordingly. (f) Portability benefit will be offered to the extent of sum of previous Base Annual Sum Insured (if opted for), and Portability shall not apply to any other additional increased Base Annual Sum Insured. (g) Portability benefit will be offered to the nearest Base Annual Sum Insured, in case exact Sum Insured option is not available. (h) Portability benefit will be offered to any other suitable policy, in case exact option is not available. (i) We may subject Your proposal to Our medical underwriting, restrict the terms upon which We may offer cover, the decision as to which shall be as per our underwriting practices and underwriting policy of the Company. (jh) There is no obligation on Us to insure all Insured Persons on the proposed terms, even if You have given Us all documentation. (ki) We should have received the database and claim history from the previous insurance company for Your previous policy. (la) Portability will be allowed in the following cases: o All Individual health insurance policies issued by General Insurers and Health Insurers non-life insurance companies including family floater policies o policies (b) Individual members, including the family members covered under any group health insurance policy of a General Insurers and Health Insurers non-life insurance company shall have the right to migrate from such a group policy to an individual health insurance policy or a family floater policy with the same insurer. One year thereafter, he or he, she shall be accorded the right mentioned in clause (ba) above. (m) . The Portability provisions will apply to You, if You wish to migrate from this Policy to any other health insurance policy on Renewals. In case You have opted to switch to any other insurer under Portability provisions and the outcome of acceptance of the Portability request is awaited from the new insurer on the date of renewal, Page 8 Kotak Mahindra General Insurance Company Ltd., Kotak Health Super Top Up UIN: KOTHLIP18011V011718; Policy Wording o , (a) We may upon Your request extend this Policy for a period of not less than one month at an additional premium to be paid on a pro-rata basis o basis (b) If during this extension period a claim has been reported, You shall be required to first pay the full premium so as to make the Policy Period of full 12 calendar months. Our liability for the payment of such claim shall commence only once such premium is received. Alternately We may deduct the premium for the balance period.