ICICI Lombard Health 360 Policy details.

SHIELDING YOUR
FAMILY’S
WELLBEING!
Only for internal circulation. This creative is for training & knowledge purpose of ICICI Bank employees who are involved in solicitation of general insurance products underwritten by ICICI Lombard General Insurance Company Ltd and should not be used or forwarded externally for
any other purpose whatsoever.

INTRODUCING
Comprehensive Competitive
Health Shield 360 focuses on your health & wellness to prevent hospitalisation and incentivises the customer with rewards to stay healthy.
Convenient
Focus on health
and wellness

A 360-degree plan that not only insures you against any eventuality but also encourages good health and well-being right from the start.

For Details On Each Cover, Please Refer Slide No 24Onwards
Home Health care
• Covers Home care treatment on advise
by medical practitioner
Claim Protector
• Pays claim for non-payable items in
claim such as consumables
• Sum Insured gets reinstated each time it
gets exhausted for a next claim which is
not related to previous claim
Unlimited Reset Benefit
• 10% increase in sum insured for every
claim free year
• Max increase in sum insured -100%
Additional Sum Insured
(Cumulative Bonus)
• AYUSH treatment taken in AYUSH
hospital or AYUSH Day care
In Patient AYUSH
Hospitalisation
• Medical expenses incurred, immediately,
60 days before and 90 days after
hospitalisation
Pre and Post-Hospitalisation
Expenses
Day Care Surgeries/Treatment
• All Day Care Treatments & procedures
covered up to SI
KEY FEATURES
• Covers in-patient hospitalisation
expenses, Sum Insured options
available from – �10 lakhs to `100 lakhs
Hospitalisation Expenses
with High SI Limit
• Expense incurred towards the cost of
Health Check-up will be covered every
year. Cover changes basis sum insured
Health Check-up Cover

For Details On Each Cover, Please Refer Slide No 24Onwards
KEY FEATURES
Sum Insured Protector
• The Sum Insured increases on cumulative
basis at each renewal on the basis of
inflation rate in the previous year
PED covered after 30 days
• Declared and accepted Pre Existing
Diseases will be covered after 30 days of
initial waiting period
• For any claims upto ₹50,000, NCB
earned is protected
Cumulative Bonus
Protector (ASI)
• Incentivises and rewards individuals for healthy
behavior through various health and wellbeing
activities
• Empowers individuals to manage their lifestyle
and be better prepared in preventing adverse
health conditions
360 Wellbeing Program
• Expneses incurred for Air Ambulance
services required for emergency care
• SI limit upto Sum Insured
Air Ambulance Cover Donor Expense
• Covers medical expenses in respect of
the donor for organ transplant surgery
Domiciliary Hospitalisation
• Covers medical expenses in respect of
domiciliary hospitalisation
Specific Diseases covered
after 30 days
• 17 named specific diseases
(as mentioned in slide no 15)
will be covered in initial waiting period

Sum Insured ₹10 Lakhs ₹15 Lakhs ₹20 Lakhs �25 Lakhs ₹50 Lakhs ₹75 Lakhs
In Patient Treatment
Pre Hospitalisation 60 days
Post Hospitalisation 90 days
Daycare Procedures and Treatment
PED waiting period 30 days of initial waiting period for declared and accepted PED's
In Patient AYUSH hospitalisation
Donor Expenses
Domicillary Hospitalisation
Air Ambulance Cover
Additional Sum Insured (ASI) 10% per year, Max upto 100%
Domestic Road Ambulance
Home Health Care
Health Check-Up
Tele Consultation
Second opinion/ E-Opinion
Health Assistance
Wellness Program
Claim Protector
ASI Protector
₹100 Lakhs
KEY FEATURES
Sum Insured ₹10 Lakhs ₹15 Lakhs ₹20 Lakhs ₹25 Lakhs ₹50 Lakhs ₹75 Lakhs
In Patient Treatment
Pre Hospitalisation 60 days
Post Hospitalisation 90 days
Daycare Procedures and Treatment
PED waiting period 30 days of initial waiting period for declared and accepted PED's
In Patient AYUSH hospitalisation
Donor Expenses
Domicillary Hospitalisation
Air Ambulance Cover
Additional Sum Insured (ASI) 10% per year, Max upto 100%
Domestic Road Ambulance
Home Health Care
Health Check-Up
Tele Consultation
Second opinion/ E-Opinion
Health Assistance
Wellness Program
Claim Protector
ASI Protector
₹100 Lakhs
KEY FEATURES

PREMIUM CHART

A - Adult, K- Kid
PREMIUM INCLUDING GST
Individual
4,306 4,902 5,473 6,545 7,423 8,633
1A +1K 1A +2K 2A 2A +1K 2A+ 2K
Sum Insured Option
10 Lakhs
4,754 5,423 6,059 7,226 8,196 9,561
15 Lakhs
5,174 5,902 6,595 7,865 8,920 10,406
20 Lakhs
5,697 6,498 7,261 8,659 9,821 11,457
25 Lakhs
7,123 8,125 9,078 10,827 12,280 14,325
50 Lakhs
7,794 8,891 9,934 11,847 13,437 15,675
75 Lakhs
8,278 9,443 10,551 12,583 16,648
100 Lakhs 14,272
Age Agnostic Premium between 21 to 60 years

For SI `25 Lakhs & `50 Lakhs
Male / Female
Male
Pathology
• CBC with ESR
• Blood Group
Blood Glucose test
• Blood Sugar - Fasting
Kidney function test
• Serum Urea
• Serum Creatinine
• Urine Routine
• Uric Acid
Liver function test
• SGPT
• SGOT
• Bilirubin (Total & Direct)
Thyroid Profile
• T3
• T4
• TSH
Pathology
• CBC with ESR
• Blood Group
Blood Glucose test
• Blood Sugar Fasting
• Blood Sugar Post Prandial
Liver function test
• Bilirubin
• SGOT
• SGPT
• Total Proteins (Albumin, Globulin &
A/G Ratio)Alkaline Phosphatase
Lipid profile
• VLDL Cholesterol
• Serum Urea
• Uric Acid
• Urine Routin
Pathology
• CBC with ESR
Blood Glucose test
Liver function test
• Bilirubin (Total, Direct & Indirect)
• SGOT
• SGPT
• GGTP
• Total Proteins (Albumin, Globulin
& A/G Ratio)
• Alkaline Phosphatase
Lipid profile
• A Lipoprotein
• Serum Urea
• Uric Acid
• Urine Routine
Pathology
• CBC with ESR
Blood Glucose test
Liver function test
• Bilirubin (Total, Direct & Indirect)
• SGOT
• SGPT
• GGTP
• Total Proteins (Albumin, Globulin &
A/G Ratio)
• Alkaline Phosphatase
Lipid profile
• Kidney function test
• Serum Urea
• Uric Acid
• Urine Routine
For SI `10 Lakhs to `20 Lakhs
(Male/ Female)
Female
4,754
HEALTH CHECK-UP PACKAGES

Male / Female
For SI `10 Lakhs to `20 Lakhs
(Male/ Female)
Vitamin Markers
• Vitamin B12
Other Tests
• Iron Study
Thyroid Profile
• T3
• T4
• TSH
Radiology
• Digital Chest X-Ray (Digital
Reports)
• USG (Abdomen & Pelvis)
• Stress Test / 2D Echo
• ECG
Thyroid Profile
• T3
• T4
• TSH
Vitamin Markers
• Vitamin B12
• Vitamin D (25 Hydroxy)
Other Tests
• PSA
• Serum Calcium
• Iron Study
Radiology
• Digital Chest X-Ray (Reports)
• BMD
Thyroid Profile
• T3
• T4
• TSH
Vitamin Markers
• Vitamin B12
• Vitamin D (25 Hydroxy)
• Other Tests
• Pap Smear
Radiology
• Digital Chest X-Ray (Reports)
• Mammography /
Sono-Mammograpy
Male
Female

KEY POINTS TO NOTE

TERMS & CONDITIONS
Cooling period
Specific exclusions
30 days for all diseases except hospitalisation due to accident
Standard list of diseases & procedures (kindly refer to exclusion list) will be covered after 30 days
WAITING PERIOD
Eligibility
Tenure
Family definition
Pre-Policy Medicals
Exclusive offering to ICICI Bank customers that are insured members
Adults from 21 to 60 years, children from 91 days to 20 years; child will be covered under floater plan only
1 Year
Self, Spouse, Dependent parents, Dependent siblings and up to 2 dependent children upto 20 years of age
Tele underwriting above age 55 years and also incase of declared Pre-existing disease.Compulsory medicals
for Sum Insured `75 Lakhs and `100 lakhs irrespective of age

Pre - Existing
Disease (PED):
Conditional
Underwriting:
• On the basis of insured member’s age and declared existing illness, a medical underwriting is done
for each proposal. As an outcome of this underwriting the proposal is accepted with loading on
premium or is rejected
• All declared and accepted PEDs will be covered after 30 days of initial waiting period
• PED needs to be declared by insured for all insured members in policy
• Any non declaration of PED will lead to rejection of claims and cancellation of policy
PED AND CONDITIONAL UNDERWRITING

Specified disease/
procedure waiting
period:
• Any Expenses related to the treatment of Hypertension, Diabetes, cardiac conditions within 90
days from the first policy start date
• In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum
insured increase
Major Permanent
Exclusions:
• Medical expenses incurred during the first 30 days of inception of the policy, except those arising
out of accidents. This exclusion doesn’t apply for subsequent renewals without a break
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/ misuse/ abuse
• Cost of spectacles/ contact lenses, dental treatment
• Medical treatment expenses traceable to childbirth (including complicated deliveries and
caesarean sections incurred during Hospitalisation) except ectopic pregnancy

Standard list of diseases & procedures
will be covered after 30 days
• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• All types of Hernia, Hydrocele
• Fissures &/or Fistula in anus, hemorrhoids/ piles
• Arthritis, gout, rheumatism and spinal disorders
• Joint replacements unless due to accident
• Sinusitis and related disorders
• Stones in the urinary and billiary systems
• Dilatation and curettage, Endometriosis
• All types of Skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast
lumps unless malignant
• Dialysis required for chronic renal failure
• Surgery on tonsils, adenoids and sinuses
• Gastric and Duodenal erosions & ulcers
• Deviated Nasal Septum
• Varicose Veins/ Varicose Ulcers
• All types of internal congenital anomalies/ illness/ defects
List of specific diseases/
procedure:

LIST OF NON-PAYABLE ITEMS
Sr. No. Non Payable Items
1 Baby Food
2 Baby Utilities Charges
3 Beauty Services
4 Belts/ Braces
5 Buds
6 Cold Pack/Hot Pack
7 Carry Bags
8 Email / Internet Charges
Food Charges (Other Than Patient's
Diet Provided By Hospital)
9
10 Leggings
11 Laundry Charges
12 Mineral Water
13
14
15 Guest Services
16 Crepe Bandage
17 Diaper Of Any Type
18 Eyelet Collar
19 Slings
Blood Grouping And Cross Matching
Of Donors Samples
20
Sr. No. Non Payable Items
Service Charges Where Nursing
Charge Also Charged
21
22 Television Charges
23 Surcharges
24 AttendantCharges
Extra Diet Of Patient (Other Than That
Which Forms Part Of Bed
25
26 Birth Certificate
27 Certificate Charges
28 Courier Charges
29 Conveyance Charges
30 Medical Certificate
31 Medical Records
32 Photocopies Charges
33 Mortuary Charges
34 Walking Aids Charges
Oxygen Cylinder (For Usage Outside
The Hospital)
36 Spacer
37 Spirometre
38 Nebulizer Kit
39 Steam Inhaler
35
Sanitary Pad
Telephone Charges
Sr. No. Non Payable Items Sr. No. Non Payable Items
40 Armsling
41 Thermometer
42 Cervical Collar
43 Splint
44 Diabetic Foot Wear
45 Knee Braces (Long/ Short/ Hinged)
46 Knee Immobilizer/Shoulder Immobilizer
47 Lumbo Sacral Belt
48
52
53
54
58
49 Ambulance Collar
50 Ambulance Equipmen
51 Abdominal Binder
Nimbus Bed Or Water Or Air Bed
Charges
Private Nurses Charges- Special
Nursing Charges
Sugar Free Tablets
Creams Powders Lotions (Toiletries Are Not
Payable, Only Prescribed Medical Pharma-
ceuticals Payable)
55 Ecg Electrodes
56 Gloves
57 Nebulisation Kit
Recovery Kit, Delivery Kit, Orthokit, Etc
[Any Kit With No Details Mentioned]
59 Kidney Tray
60 Mask
61 Ounce Glass
62 Oxygen Mask
63 Pelvic Traction Belt
64 PanCan
65 Trolly Cover
66 Urometer, Urine Jug
67 Ambulance
68 Vasofix Safety

IL TakeCare

IL TAKECARE
IL TAKECARE
CONVENIENCE
Convenient & Easy-To-Use app
Wide range of Emergency & Convenient Medical solutions at your fingertips
24x7
Quick Claims settlement process
Wellness Programs to help keep you fit
Mobile
Internet Banking portal
Contact - (Relationship Manager)
Visit - ICICI Bank Branch
https://bit.ly/2n5vkmt https://apple.co/2nNyPya
Download the IL TakeCare App
A one stop solution for all your insurance and wellness needs. Download the
IL TakeCare app to avail the following services and much more, all at the ease
of your fingertips.

MANAGE YOUR CLAIMS
Intimate a claim and upload
documents & dispatch them
Home → Click on ‘Claims’ →
‘File a Claim’
‘Claims’ → File a claim ‘Claims’ → File a claim ‘Claims’ → Track your claim
Fill the claim form Track your claim
Upload your documents

CLAIM PROCESS
Get admitted in any one of our network hospitals
Reach out to insurance desk in hospital and submit the
pre-authorization claim form along with relevant documents
Hospital insurance desk shares the pre-authorization documents
with IL Health Care
ICICI Lombard Health Care will review your requested claim and will
accordingly approve, query, or reject the same (as per policy terms
and conditions)
Cashless Claims Reimbursement Claims
HOW TO INTIMATE A CLAIM?
18002666
Monday to Saturday between 8:00 am to 8:00 pm
customersupport@icicilombard.com
Reach us at: IL TakeCare app
If hospitalisation occurs in a non-network hospital:
Upon discharge, pay all hospital bills and collect all original
documents of treatments and expenses underdone
Send the duly filled (and signed by insured and treating doctor) claim
form and required claim documents
ICICI Lombard Health Care reviews your claim requested and
accordingly will approve, query, or reject the same (as per policy
terms and conditions)
ICICI Lombard Health Care Settles the claim (as per policy terms and
conditions) and reimburses the approved amount
Below are the places from where you can download the claim form.
IL TakeCare App
ICICI Lombard Website
ICICI Lombard customer support helpline – 18002666

WELLNESS & BE-HEALTHY POINTS
Be-Healthy points
Be-Healthy points structure as per category.
BLOOD TEST READING FREQUENCY
POINTS
EARNED/
ACTIVITY
TOTAL
POINTS
750
300
100
750
300
100
750
300
100
750
300
100
300
700
300
7000
700
up to 5.99
6.00-6.50
6.51-7.00
110-120/70-80
121-130/80-85
131-140/86-90
18.00 - 25.00
25.01 – 32.00
32.01 - 40
up to 150 mg/dl
151mg/dl-200mg/dl
201mg/dl-250mg/dl
Preventive check up
Self-paid advance check up
HbA1c
Blood pressure
Diagnostic test
undergone
Total cholesterol
Body mass index
Twice
a year
Twice
a year
Twice
a year
Twice
a year
Once
a year
Maximum
1500
Maximum
1500
Maximum
1500
Maximum
1500
Total
How to earn Wellness points?
The earning and redemption of 360 Wellbeing
points will occur through IL TakeCare App.
Each wellness point is equivalent to ₹0.20 INR.

STAY HEALTHY POINTS
PARAMETER
Advisory on health records
Tele-consultation
Activity Tracking
Fitness challenge
Sleep tracking
Health events
Advisory on health records
CATEGORY
Engagement
Engagement
Engagement
Engagement
Activity
Activity
Engagement
DURATION
Twice a year
4 times a year
Once in
2 months
Monthly
Monthly
Twice a year
FREQUENCY
2
4
6
12
12
2
400
150
100
100
100
300
800
600
600
1000
1200
1200
600
Total 6000
POINTS
EARNED/
ACTIVITY
TOTAL
POINT

Redemption of 360 wellness points (Stay-Healthy+ Be-Healthy) Points:
The 360 Wellbeing points accrued by You can be redeemed against premium discount at renewal, payment against non-payable items, OPD expenses, for payment of
membership fees in Fitness centers & health supplements as available on ICICI Lombard platform as per the policy wordings.
REDEMPTION OF 360
WELLNESS POINTS
FRESH
4th
Renewal
3rd
Renewal
2nd
Renewal
1st
Renewal
Particulars
Maximum points earned under
Be-Healthy
Maximum points that can be
redeemed
Balance point that can
be carried forward
Value of one 360 wellbeing point (In ₹)
Value (In ₹) for point that
can be availed for benefit as per terms
Cumulative INR for carry
forward points
1st
Year
7000
5500
1500
0.2
1100
300
2nd
Year
7000
5500
1500
0.21
1155
630
3rd
Year
7000
6000
1000
0.22
1320
880
4th
Year
7000
6500
500
0.23
1495
1035
5th
Year
7000
7000
0
0.25
1750
750
A
B
C A-B
E
Total Cumulative Balance Points
1500 3000 4000 4500 3000
D
F
G D*E
Be-Healthy points illustration
Balance Points
Of 2nd year (C2)
+ Carry forward
Points of 1st
year (D1)
Balance Points
of 3rd year (C3)
+ Carry forward
points of 2nd
year (D2)
Balance Points
of 4th year (C4)
+ Carry forward
points of 3rd
year (D3)
Carry forward
points of 4th
year (D4) –
Balance points
of 1st year(C1)
FRESH
4th
Renewal
3rd
Renewal
2nd
Renewal
1st
Renewal
Stay-Healthy points illustration
Maximum points earned under
Stay-Healthy
Maximum points that can be
redeemed the same year
Balance point that can be carried
forward
Value of one 360 wellbeing point (In ₹)
Value (In ₹) for point that
can be availed towards redemption
as per terms
Cumulative INR for carry
forward points
6000
5000
1000
0.2
1000
200
6000
5000
1000
0.21
1050
420
6000
5500
500
0.22
1210
550
6000
5500
500
0.23
1265
690
6000
6000
0
0.25
1500
500
H
I
J I-J
L
M
I*L
N K*L
Total Cumulative Balance Points 1000 2000 2500 3000 2000
K
Balance Points
Of 2nd year (J2)
+ Carry forward
Points of 1st
year (K1)
Balance Points
Of 3rd year (J3)
+ Carry forward
Points of 2nd
year (K2)
Balance Points
Of 4thyear (J4)
+ Carry forward
Points of 3rd
year (K3)
Carry forward
points of 4th
year (K4) –
Balance points
of 1st year(J1)

ANNEXURE

Reset will be available unlimited times in a policy year in case the Sum insured including accrued Additional
Sum Insured (if any) and Super No Claim Bonus (if any), Sum Insured protector (if any) is insufficient as a result of
previous claims in that policy year
• Reset will not trigger on the first claim
• Total amount of reset will not exceed the Annual sum insured for that policy year
• It cannot be used for the same illness/ disease/ injury for which the claim
has already been paid in the policy tenure for the same person
• Any unutilized reset Sum Insured will not be carried forward to subsequent policy year
Sum Insured
First claim - 6th Month
Second Claim - 8th Month
Third Claim - 10th Month
Sum Insured reinstates to 10 lakhs
Sum Insured reinstates to 10 lakhs
10 lakhs
8 lakhs
7 lakhs
6 lakhs
Definition
Terms &
Condition
Illustration
UNLIMITED RESET BENEFIT

ADDITIONAL SUM INSURED
(CUMULATIVE BONUS)
10% increase in Sum Insured for every claim free renewal in policy, renewed without any break. Maximum increase in
sum insured is 100%
• In the event of a claim in the Policy year, ASI will reduce by 10%
• At the time of renewal if the Insured person opts out of this optional cover, then the Super no claim bonus accrued up
until the expiring policy year will be forfeited
Definition
Terms &
Condition
Illustration
Definition
Terms &
Condition
Illustration
Sum Insured
Sum Insured in 1st
renewal
Sum Insured in 2nd
renewal 12 lakhs
11 lakhs
10 lakhs
CLAIM PROTECTOR
This cover gets the payment for the items which are not payable under the claim as per the List of Excluded items
released by IRDAI that is related to the particular claim
• The maximum claim pay out under this benefit shall be limited to Annual Sum Insured under your policy
• The claim is paid under this section only if base claim is payable under hospitalisation cover
Examples of non payable items: Consumables, Surgical blades, cotton, cotton bandage, etc.

CUMULATIVE BONUS PROTECTOR(ASI PROTECTOR)
Additional sum insured(ASI) accrued will not be reduced at renewal if any one claim or multiple claims admissible in
the previous policy year under the policy does not exceed the overall amount of 50,000
Definition
Illustration
Sum Insured
Sum Insured in 1st renewal
Sum Insured in 2nd Renewal
A claim is paid during 2nd year - 40000
10 lakhs
11 lakhs
11 lakhs
SUM INSURED PROTECTOR
The Sum Insured protector is designed to protect the Sum Insured against rising inflation by linking the Sum
Insured under the base plan to the Consumer Price index (CPI)
• The Sum Insured will be increased on cumulative basis at each renewal on the basis of inflation rate in previous year
• Inflation rate would be computed as the average CPI of the entire calendar year published by the Central Statistical
Organisation (CSO)
• The % increase will be applicable only on Annual Sum Insured under thePolicy and not on additional sum insured or any
other benefit which leads to increase in Sum Insured
Definition
Terms &
Condition

HEALTH CHECK-UP
Cost of Health Check-up will be covered as per specified limit mentioned in policy document
• Health Check-up will be availed only at our empanelled service provider on
cashless basis as per the available medical test packages
• The policy is renewed with us without any break
• This benefit doesn’t not reduce sum insured or impact the accrued bonus (if any)
• Any unutilized test or amount can’t be carried forward to next policy year
Definition
Terms &
Condition
CONDITIONAL UNDERWRITING
On the basis of the proposed insured members age and declared existing illness, a medical
underwriting is done for each proposal. As an outcome of this underwriting the proposal is
accepted with loading on premium or is rejected
• Customer is enrolled in the policy with loading on premium and is also becomes part of
Be Healthy wellness program
Definition
Benefit

360 WELLBEING PROGRAM
Be Healthy
• Maximum points to be earned – 7000
• Points earned can be redeemed for Discount on renewal premium
Stay Healthy
• Maximum points to be earned – 6000
• Points earned can redeemed for Payment of non-payable items,
OPD expenses, Membership fees on IL Platform
• Value on Be Healthy points that can be redeemed
is 1100 in 1st year to 1750 in 5th Year
CONDITIONAL UNDERWRITING BASED WELLNESS PLANS

THANK YOU
Prohibition of Rebates – Section 41 of the Insurance Act, 1938 1) No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out 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 the 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 published prospectus or tables of the in-
surer. 2) If any person shall fail to comply with sub regulation (1) above, he shall be liable to payment of fine which may extend to rupees ten lakhs. Only for internal circulation and knowledge purpose for employees of ICICI Bank who are involved in solicitation business underwritten
by ICICI Lombard GIC. The advertisement contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverage and exclusions, please read the sales brochure carefully before concluding a sale. ICICI trade logo displayed above belongs to
ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. IRDA Reg.No.115. Toll Free 1800
2666. Fax No – 02261961323. CIN (L67200MH2000PLC129408). customersupport@icicilombard.com.www.icicilombard.com. Product Name : Health Shield 360 UIN: ICIHLGP22083V022122

ICICI Lombard Health 360 Policy details.

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