Optima Restore Prospectus

7/27/2019 Optima Restore Prospectus

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10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002

OptimaRESTOREProspectus

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Suitability:

a) This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted upto 65 years.

b) Child between 91 days and 5 years can be insured provided both parents are getting insured under this Policy.

c) There is no maximum cover ceasing age in this policy.

d) The policy will be issued for a period 1/2 years.

e) This policy can be issued to an individual and/or family.

f) The family includes spouse, dependent children and dependent parents.

g) The policy offers option of covering on individual sum insured basis as well as on family floater basis.

Salient Features & Benefits:

a) In-patient Treatment -Covers hospitalisation expenses due to an illness or accident. We will pay for the medical expenses for room rent, nursing, intensive

care unit, medical practitioner(s), anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs and consumables, diagnostic

procedures, cost of prosthetic & other devices or equipments if implanted internally during a surgical procedure.

b) Pre-Hospitalisation -The medical expenses incurred in 60 days immediately before the insured person was hospitalised.

c) Post-Hospitalisation - The medical expenses incurred in the 180 days immediately after the insured person was discharged post Hospitalisation.

d) Day care procedures -The medical expenses for 140 enlisted Day care procedures which do not require 24 hours hospitalisation due to technological

advancement.

e) Domiciliary Treatment -The medical expenses incurred by an insured person for availing medical treatment at his home which would otherwise have

required hospitalisation.

f) Organ Donor -The Medical Expenses for harvesting the organ from the donor for organ transplantation.

g) Emergency Ambulance -Expenses Upto Rs. 2,000 per hospitalisation for utilizing ambulance service for transporting Insured Person to Hospital in case of

an emergency or from one hospital to another if medical services required are not available.

h) Restore Benefit -We will automatically re-instate the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy

year. Basic sum insured will be re-instated only once in a policy year. Restore Sum Insured can be used for only future claims made by the Insured Person and

not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year. If the restore sum insured

is not utilised in a policy year, it shall not be carried forward to any subsequent policy year.

Please note the below example to understand the working of the Restore Benefit

For policy period 1st Jan 2011 to 31st Dec 2011

Details Case A Case B Case C Case D

Sum Insured at beginning of policy year (Rs) 3,00,000 3,00,000 3,00,000 3,00,000

Multiplier benefit (if any, please refer to section on

Renewal incentives)

None None 3,00,000 3,00,000

Assuming the policy has had 2 claim free years

enabling the insured person to be eligible to

receive a multiplier benefit of 100% of SI

Total eligible Sum Insured limit applicable for the

year

3,00,000 3,00,000 6,00,000 6,00,000

Event 1: Individual undergoes a inpatient

hospitalisation on 1st June 2011

Eligible claim amount (Rs) 2,00,000 3,00,000 3,00,000 6,00,000

Restore benefit triggered No Yes No Yes

Additional Restore Sum Insured

triggered (Rs)

N.A 3,00,000 N.A 3,00,000

Sum Insured applicable for the remainder of the

policy year (Rs) i.e. 2nd June 2011 to 31st Dec

2011

1,00,000 3,00,000 3,00,000

(Existing Multiplier

benefit)

3,00,000

Sum Insured at renewal in the next policy year (Rs.) 3,00,000 3,00,000 3,00,000 (Multiplier

benefit will reduce

by 50% of basic Sum

Insured due to claim

made in previous year)

3,00,000

Basic Sum Insured:

Rs. 300,000; 500,000; 1,000,000; 1,500,000 on individual as well as on family floater basis.

Renewal Incentives:

Multiplier Benefit:We will offer Bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%. In the event of a claim, the bonus


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shall be reduced by 50% of the Basic Sum Insured at the time of renewal. However this reduction will not reduce the Sum Insured below the basic Sum Insured

of the policy.

Portability:

If you are insured continuously and without interruption under another Indian insurers individual health insurance policy for the reimbursement of medical costs for

inpatient treatment in a hospital and you want to shift to us on renewal, Optima Restore policy offers you transfer of your accrued benefits and make due allowancesfor waiting periods etc to the extent of sum of previous sum insured and accrued cumulative bonus and it shall not apply to any other additional increased suminsured.

Free Look Period:

You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any ofthe terms and conditions, You have the option of canceling the Policy stating the reasons for cancellation and You shall be refunded the premium paid by You afteradjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium. You can cancel your Policy only if You have not madeany claims under the Policy. All Your rights under this Policy shall immediately stand extinguished on the free look cancellation of the Policy. Free look provision isnot applicable and available at the time of renewal of the Policy.

Exclusions

a) Waiting Periods: We are not liable for any treatment which begins during waiting periods except if any Insured Person suffers an Accident.

b) A waiting period of 30 days (or longer if specified in any benefit) will apply to all claims unless:

i) The Insured Person has been insured under an Optima Restore Policy continuously and without any break in the previous Policy Year, or

ii) The Insured Person was insured continuously and without interruption for at least 1 year under any Indian insurers individual health insurance policyfor the reimbursement of medical costs for in-patient treatment in a Hospital, and We have issued an endorsement for the same.

iii) If the Insured person renews with Us or transfers from any other insurer and increases the Sum Insured (other than as a result of the application of Benefit3a) upon renewal with Us), then this exclusion will only apply in relation to the amount by which the Sum Insured has been increased.

c) Specific Waiting Periods - The Illnesses and treatments listed below will be covered subject to a waiting period of 2 years as long as in the third Policy Year the

Insured Person has been insured under an Optima Restore Policy continuously and without any break:

Organ / Organ System Illness Treatment

ENT Any Benign ear, nose and throat (ENT) disorder

Example: Sinusitis, Rhinitis etc

All ear, nose and throat (ENT) surgery

Example: Adenoidectomy, Mastoidectomy,Tonsillectomy, Tympanoplasty, Septoplasty,Functional endoscopic sinus surgery (FESS)

Gynaecological Internal tumors, cysts, nodules, polypsincluding breast lumps (each of any kindunless malignant)

Polycystic ovarian diseases

Dilatation and curettage (D&C)

Hysterectomy for menorrhagia or fibromyomaor prolapse of uterus unless necessitated bymalignancy

Myomectomy for fibroids

Orthopaedic Non infective arthritis

Gout and Rheumatism

Age related Osteoporosis

Joint replacement

Surgery for prolapsed inter vertebral disk

Gastrointestinal Calculus diseases of gall bladder

Fissure/fistula in anus, hemorrhoids, pilonidalsinus

Gastric and duodenal ulcers

All forms of cirrhosis

Surgery of gallbladder and bile duct unlessnecessitated by malignancy

Surgery of hernia

Urogenital Calculus diseases of Urogenital systemExample: Kidney stone, Urinary Bladder stoneetc.

Any surgery of Urogenital system unlessnecessitated by malignancy

Surgery on prostate

Surgery for Hydrocele

Others Cataract

Internal tumors, cysts, nodules, polyps, skintumors (each of any kind unless malignant)

Surgery of varicose veins and varicose ulcers

i) However, a waiting period of 2 years will not apply if the Insured Person was insured continuously and without interruption for at least 2 years underany Indian insurers individual health insurance policy for the reimbursement of medical costs for in-patient treatment in a Hospital, and We have issuedan endorsement for the same.

ii) If the Insured person renews with Us or transfers from any other insurer and increases the Sum Insured (other than as a result of the application ofBenefit 3a) upon renewal with Us), then this exclusion will only apply in relation to the amount by which the Sum Insured has been increased.

d) Pre-existing Conditions will not be covered until 36 months of continuous coverage have elapsed, since inception of the first Optima Restore policy with us,but

1) If the Insured Person is presently covered and has been continuously covered without any lapses under:


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i) an individual health insurance plan with an Indian insurer for the reimbursement of medical costs for inpatient treatment in a Hospital , OR

ii) any other similar health insurance plan from Us,

then Section 4 d) of the Policy stands deleted and shall be replaced entirely with the following:

i) The waiting period for all Pre-existing Conditions shall be reduced by the number of continuous preceding years of coverage of the Insured Person

under the previous health insurance policy ii) If the proposed Sum Insured for a proposed Insured Person is more than the Sum Insured applicable under the previous health insurance policy (other

than as a result of the application of Benefit 3a), then the reduced waiting period shall only apply to the extent of the Sum Insured under the previoushealth insurance policy.

2) The reduction in the waiting period specified above shall be applied subject to the following:

i) We will only apply the reduction of the waiting period if We have received the database and claim history from the previous Indian insurance company(if applicable);

ii) We are under no obligation to insure all Insured Persons or to insure all Insured Persons on the proposed terms, or on the same terms as the previoushealth insurance policy even if You have submitted to Us all documentation

We shall consider only completed years of coverage for waiver of waiting periods. Policy Extensions if any sought during or for the purpose of porting insurancepolicy shall not be considered for waiting period waiver

e) We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to anyof the following unless expressly stated to the contrary in this Policy:

i) War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armedforces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical andbiological weapons, radiation of any kind.

ii) Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while saneor insane.

iii) Any Insured Persons participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.

iv) The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, including smokingcessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.

v) Sleep-apnoea, Treatment of Obesity and any weight control program.

vi) Psychiatric, mental disorders (including mental health treatments), Parkinson and Alzheimers disease, congenital internal or external diseases, defectsor anomalies, genetic disorders, stem cell implantation or surgery, or growth hormone therapy.

vii) Venereal disease, sexually transmitted disease or illness, AIDS (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human

immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomasin brain, Kaposis sarcoma, tuberculosis.

viii) Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness), maternity or birth (including caesarean section)except in the case of ectopic pregnancy in relation to 1a) only.

ix) Sterility, treatment whether to effect or to treat infertil ity, any fertili ty, sub-ferti lity or assisted conception procedure, surrogate or vicarious pregnancy,birth control, contraceptive supplies or services including complications arising due to supplying services.

x) Dental treatment and surgery of any kind, unless requiring Hospitalisation.

xi) Expenses for donor screening, or, save as and to the extent provided for in 1f) Organ Donor, the treatment of the donor (including surgery to removeorgans from a donor in the case of transplant surgery).

xii) Treatment and supplies for analysis and adjustments of spinal subluxation, diagnosis and treatment by manipulation of the skeletal structure, musclestimulation by any means except for treatment of fractures (excluding hairline fractures) and dislocations of the mandible and extremities.

xiii) Treatment of nasal concha resection, circumcisions (unless necessitated by illness or injury and forming part of treatment), treatment for correctionof refractive error, aesthetic or change-of-life treatments of any description such as sex transformation operations, treatments to do or undo changes

in appearance or carried out in childhood or at any other times driven by cultural habits, fashion or the like or any procedures which improve physicalappearance.

xiv) Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner forreconstruction following an Accident, Cancer or Burns.

xv) Experimental, investigational or unproven treatment, devices and pharmacological regimens, Medical Expenses relating to any hospitalisation primarilyand specifically for diagnostic, X-ray or laboratory examinations and investigations

xvi) Convalescence, cure, rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodialcare, general debility or exhaustion (run-down condition)

xvii) Any non allopathic treatment.

xviii) All preventive care, vaccination including inoculation and immunisations (except in case of post-bite treatment), any physical, psychiatric orpsychological examinations or testing, enteral feedings (infusion formulae via a tube into the upper gastrointestinal tract) and other nutritional andelectrolyte supplements, unless certified to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim.

xix) Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge,administration, registration, documentation and filing.

xx) Items of personal comfort and convenience including but not limited to television (wherever specifically charged for), charges for access to telephoneand telephone calls, internet, foodstuffs (except patients diet), cosmetics, hygiene articles, body care products and bath additive, barber or beautyservice, guest service as well as similar incidental services and supplies, and vitamins and tonics unless vitamins and tonics are certified to be requiredby the attending Medical Practitioner as a direct consequence of an otherwise covered claim.

xxi) Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed, treatments rendered by a Medical


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Practitioner who shares the same residence as an Insured Person or who is a member of an Insured Persons family, however proven material costsare eligible for reimbursement in accordance with the applicable cover.

xxii) The provision or fitting of hearing aids, spectacles or contact lenses including optometric therapy, any treatment and associated expenses for alopecia,baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.

xxiii) Any treatment or part of a treatment that is not of a reasonable charge, not medically necessary, drugs or treatments which are not supported by aprescription.

xxiv) Artificial limbs, crutches or any other external appliance and/or device used for diagnosis or treatment (except when used intra-operatively).

xxv) Any exclusion mentioned in the Schedule or the breach of any specific condition mentioned in the Schedule.

xxvi) Any non medical expenses mentioned in Annexure II in policy wordings.

Pre-existing Conditionmeans any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / orreceived medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.

Claim Procedure:

Specified Third Party Administrator (TPA) licensed by IRDA will process and settle all claims under this policy on behalf of Apollo Munich Health Insurance CompanyLimited. The final decision on any claim solely rests with Apollo Munich Health Insurance Company Limited.

Intimation & Assistance - Please contact our designated TPA atleast 7 days prior to an event which might give rise to a claim. For any emergency situations, kindlycontact our TPA within 24 hours of the event.

Procedure for Reimbursement of Medical Expenses -

Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of theIncident.

*Please refer to claim form for complete documentation.

If there is any deciency in the documents/information submitted by you, the TPA will send the deciency letter within 7 days of receipt of the claim documents.

On receipt of the complete set of claim documents, your designated TPA will make the payment for the admissible amount, along with a settlement statementwithin 30 days.

The payment will be made in the name of the proposer.

Note: Payment will only be made for items covered under your policy and upto the limits therein.

Procedure to avail Cashless facility -

For any emergency Hospitalisation, your designated TPA must be informed no later than 24 hours after hospitalization.

For any planned hospitalization, kindly seek cashless authorization from your designated TPA atleast 48 hours prior to the hospitalization.

TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deciency in the documents sent, thesame shall be communicated to the hospital within 6 hours of receipt of documents.

Please pay the non-medical and expenses not covered to the hospital prior to the discharge.

In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.

Note: Insured person is entitled for cashless coverage only in our empanelled hospitals.

Please refer to the list of empanelled hospitals on our website or the list provided along with Policy kit or call us on our toll free number at 1800-102-0333.

Rejection of cashless facility in no way indicates rejection of the claim.

Terms of Renewal:

We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manneror any misrepresentation under or in relation to this policy or the policy poses a moral hazard.

Grace Period - Grace Period of 30 days for renewing the policy is provided under this policy.

Maximum Age There is no maximum cover ceasing age in this policy.

Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Optima Restore policy.

Renewal premium are subject to change with prior approval from IRDA. Any change in benets or premium (other than due to change in Age) will be done withthe approval of the Insurance Regulatory and Development Authority and will be intimated atleast 3 months in advance.

In the likelihood of this policy being withdrawn in future, intimation will be sent to insured person about the same 3 months prior to expiry of the policy. InsuredPerson will have the option to migrate to similar indemnity health insurance policy available with us at the time of renewal with all the accrued continuitybenefits such as multiplier benefit, waiver of waiting period etc. provided the policy has been maintained without a break as per portability guidelines issuedby IRDA.

Basic Sum InsuredEnhancement - Basic sum insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy.

If the insured enhances the basic sum insured one grid up, no fresh medicals shall be required. In cases where the basic sum insured enhanced is more than

one grid up, the case shall be subject to medicals. In case of enhancement in the basic sum insured waiting period will apply afresh in relation to the amount

by which the basic sum insured has been enhanced. However the quantum of enhancement shall be at our sole discretion.

Any Insured Person in the policy has the option to migrate to similar indemnity health insurance policy available with us at the time of renewal subject to

underwriting with all the accrued continuity benefits such as multiplier benefit, waiver of waiting period etc. provided the policy has been maintained without

a break as per portability guidelines issued by IRDA

Tax Benefit:

The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.


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Requirement:

Completed proposal form

Premium Rates:

The premium under individual coverage will be charged on the completed age of the individual insured member.

The premium under oater coverage will be charged on the completed age of the oldest insured member.

Premium rates are subject to change with prior approval from IRDA.

The premium for the policy will remain the same for the policy period as mentioned in the policy schedule.

Please note that your premium at renewal may change due to a change in your age or changes in the applicable tax rate

Discounts:

Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan.

Loadings:

We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for

insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading

of over 150% per person. These loadings are applied from Commencement Date of the policy including subsequent renewal(s) with us or on the receipt of the

request of enhancement in sum insured (for the enhanced Sum Insured). We will not apply any additional loading on your policy premium at renewal based on claim experience

We will inform you about the applicable risk loading through a counter offer letter. You need to revert to us with consent and additional premium (if any),

within 15 days of the issuance of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 15 days, we shall cancel your

application and refund the premium paid within next 7 days.

Please note that we will issue policy only after getting your consent.

Termination (other than Free Look Period):

You may terminate this Policy at any time by giving Us written notice, and the Policy shall terminate when such written notice is received. If no claim has been

made under the Policy, then We will refund premium in accordance with the table below:

1 Year Policy 2 Year Policy

Length of time Policy in force Refund of premium Length of time Policy in force Refund of premium

Upto 1 Month 75.00% Upto 1 Month 87.50%

Upto 3 Months 50.00% Upto 3 Months 75.00%

Upto 6 Months 25.00% Upto 6 Months 62.50%

Exceeding 6 Months Nil Upto 12 Months 50.00%

Upto 15 Months 37.50%

Upto 18 Months 25.00%

Exceeding 18 Months Nil

We may at any time terminate this Policy on grounds of misrepresentation, fraud, non-disclosure of material facts or non-cooperation by You or any Insured

Person or anyone acting on Your behalf or on behalf of an Insured Person upon 30 days notice by sending an endorsement to Your address shown in the

Schedule without refund of premium.

Section 41 of Insurance Act1938 (Prohibition of Rebates):

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any

kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor

shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the prospectus or

tables of the insurers.

2. Any person making default in complying with the provision of this section shall be punishable with fine which may extend to five hundred rupees.

IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection of Policyholders Interests) Regulation.

Note: Policy Term and Conditions & Premium rates are subject to change with prior approval from IRDA.

Disclaimer:

This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and

exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.


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SCHEDULE OF BENEFITS

Optima Restore Individual

Basic Sum Insured perInsured Person per Policy

Year (Rs. in Lakh)

3.00, 5.00, 10.00, 15.00

1a) In-patient Treatment Covered

1b) Pre-Hospitalization Covered, upto 60 Days

1c) Post-Hospitalization Covered, upto 180 Days

1d) Day Care Procedures Covered

1e) Domiciliary Treatment Covered

1f) Organ Donor Covered

1g) Emergency Ambulance Upto Rs.2,000 per Hospitalisation

2) Restore Benefit Equal to 100% of Basic Sum Insured

3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. In case of claim bonus will be

reduced by 50% of the basic sum insured However this reduction will not reduce the Sum Insured below the basic

Sum Insured of the policy.

Optima Restore Family

Basic Sum Insured per

Policy per Policy Year (Rs.

in Lakh)

3.00, 5.00, 10.00, 15.00

1a) In-patient Treatment Covered

1b) Pre-Hospitalization Covered, upto 60 Days

1c) Post-Hospitalization Covered, upto 180 Days

1d) Day Care Procedures Covered1e) Domiciliary Treatment Covered

1f) Organ Donor Covered

1g) Emergency Ambulance Upto Rs.2,000 per Hospitalisation

2) Restore Benefit Equal to 100% of Basic Sum Insured

3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. In case of claim bonus will be

reduced by 50% of the basic sum insured However this reduction will not reduce the Sum Insured below the basic

Sum Insured of the policy.


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E-mail : [email protected] TOLL FREE : 1800-102-0333 www.apollomunichinsurance.com

AMHI/PR/H/001

6/0063/102010/P

OptimaRESTORERate Card

Individual Health Insurance Plan

Family Floater Health Insurance Plan

*Premium rates only for renewal

Plan 1 Plan 2 Plan 3 Plan 4

Sum Insured in INR 3 Lac 5 Lac 10 Lac 15 Lac

Age Group (Yrs)

91D-17 4,095 4,741 6,399 7,67918-35 4,487 5,609 8,004 9,809

36-45 4,778 6,395 8,251 10,056

46-50 7,800 9,813 13,407 16,327

51-55 11,556 14,445 19,904 24,251

56-60 14,725 17,719 25,462 31,050

61-65 28,088 32,809 40,727 42,467

66-70* 35,903 42,077 47,660 49,710

71-75* 39,870 46,844 53,032 55,167

76-80* 51,776 60,949 69,188 72,233

> 80* 62,691 73,971 84,023 87,672


Sum Insured in INR 300,000 500,000 1,000,000 1,500,000

Age Group (Yrs) 1A + 1C 1A + 1C 1A + 1C 1A + 1C

18-35 5,354 7,296 9,291 11,334

36-45 6,143 8,049 10,589 12,902

46-50 9,828 12,285 17,073 20,830

51-55 11,963 14,953 20,545 25,020

56-60 15,047 18,808 25,935 31,609

61-65 29,134 33,887 41,972 43,770

66-70* 36,950 43,155 48,794 50,897

71-75* 40,916 47,922 54,166 56,353

76-80* 52,822 62,027 70,322 73,420

> 80* 63,738 75,049 85,158 88,859




18-35 6,764 9,185 11,590 14,110

36-45 7,426 9,695 12,664 15,404

46-50 10,784 15,380 18,482 22,499

51-55 14,321 17,901 24,596 29,953

56-60 16,274 20,342 27,850 33,903

61-65 32,112 37,182 45,953 47,933

66-70* 39,928 46,450 52,421 54,690

71-75* 43,894 51,216 57,793 60,146

76-80* 55,800 65,321 73,949 77,213

> 80* 66,716 78,344 88,785 92,652




18-35 8,410 12,022 14,351 17,459

36-45 9,233 13,157 15,727 19,127

46-50 13,409 18,091 23,069 28,102

51-55 16,762 20,744 28,814 35,095

56-60 18,601 23,251 31,853 38,778

61-65 35,015 40,389 49,825 51,981

66-70* 42,830 49,657 55,950 58,378

71-75* 46,797 54,424 61,321 63,835

76-80* 58,703 68,528 77,477 80,902

> 80* 69,618 81,551 92,313 96,341



Age Group (Yrs) 2A 2A 2A 2A

18-35 6,094 7,687 10,103 12,314

36-45 7,522 9,317 12,392 15,087

46-50 13,649 17,218 22,870 27,923

51-55 17,172 21,465 28,297 34,456

56-60 21,158 26,447 34,719 42,254

61-65 39,974 46,549 57,719 60,207

66-70* 53,786 62,931 71,233 74,297

71-75* 64,194 75,351 85,305 88,799

76-80* 83,364 98,039 111,293 116,271

> 80* 100,938 118,987 135,157 141,122




18-35 7,508 9,923 12,313 14,982

36-45 8,736 10,920 14,258 17,333

46-50 15,561 19,452 25,927 31,626

51-55 19,530 24,413 32,159 39,154

56-60 23,274 29,092 38,136 46,401

61-65 43,095 50,011 61,907 64,588

66-70* 56,907 66,393 75,049 78,289

71-75* 67,315 78,813 89,121 92,791

76-80* 86,485 101,501 115,109 120,263> 80* 104,059 122,449 138,973 145,114




18-35 9,555 12,522 15,671 19,068

36-45 10,920 13,650 17,859 21,718

46-50 17,063 21,329 28,250 34,425

51-55 21,809 27,261 35,888 43,689

56-60 25,715 32,144 42,144 51,278

61-65 46,175 53,425 66,036 68,907

66-70* 59,987 69,807 78,811 82,224

71-75* 70,395 82,227 92,883 96,726

76-80* 89,565 104,915 118,871 124,198> 80* 107,139 125,863 142,734 149,049

Insurance is the subject matter of solicitation

OR/PP/V0.01/072013

Optima Restore Prospectus

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