Medical Advantage Feature (MAF) is the facility offered by ICICI Prudential Mutual Fund in association with Vidal Healthcare Services Pvt. Ltd.(Vidal Health). Through this facility investors can seamlessly use their investments in eligible designated scheme(s) of ICICI Prudential Mutual Fund to pay for hospitalization costs across India. This facility is available irrespective of health insurance status. The investor can avail this facility through any of Vidal Health’s pan-India network of over 5,000 hospitals and 1,000 diagnostic centers.

For information on Vidal Health and its empanelled network, please visit www.health4sure.in/iprumf. The list of eligible designated schemes is available here. The investor(s) on successful enrolment in this feature will display the Medical Advantage Card at the empanelled network hospitals and fill the Medical Redemption Form.

The benefits of the Medical Advantage Feature are as follows:

• Cashless access to any empanelled hospital
• 24/7 access to a doctor on phone
• Up-to 25% discounts on medical tests, hospitalization, and retail outlets of select pharmacies
• Access to a neutral second opinion
• Advice on which hospital to choose

Investor can follow the below mentioned steps to avail benefits from this feature:

1. 1) Invest in eligible designated schemes of ICICI Prudential Mutual Fund with Medical Advantage Feature form (Fresh purchase with new folio, or additional purchase with existing folio). Read the Terms and Conditions of the feature.
2. 2) Get the Medical Advantage Card on registered email ID
3. 3) Contact Vidal Health helpline when need for medical expenditure arises. The relevant contact details can be found at www.health4sure.in/iprumf
4. 4) Fill Medical Redemption Form (available at the point of care e.g. hospital) when need for medical expenditure arises
5. 5) Hospital gives Vidal Health an estimate of expenses. (It is recommended that the investor calls up Vidal Health before going to the hospital)
6. 6) Required units are redeemed to meet current expenses and some units are blocked in case of additional costs (As per hospital estimate)
7. 7) If there are additional expenses, the remaining units will be redeemed.
8. 8) Top up your ICICI Prudential Mutual Fund investments associated with Medical Advantage Feature for future medical needs, through additional investments.

Yes. The individual investor(s) can invest in the designated scheme of the Fund in ‘Single’ or ‘Either or Survivor’ mode.

Multiple holders can enjoy the benefits of this feature with the ‘Either or Survivor’ option. Also if multiple holders invest in a single folio, all the joint holders in the folio will be issued a Medical Advantage Card.

It is also recommended that the investor should always carry the Medical Advantage Card (soft copy or a print copy) with them to realize the full potential of this feature – especially in case of unplanned health emergencies.

With Medical Advantage Feature, you can now use your investments in eligible designated schemes of ICICI Prudential Mutual Fund for healthcare expenses of your family members (Parents, Parent-In-laws, Spouse, Up to 2 dependent children). Once Medical Advantage Feature enrolment is done, contact Vidal Healthcare Services Pvt. Ltd. on 080-49166710 to enroll such family members.

Companies can invest in designate schemes of ICICI Prudential Mutual Fund and enroll their employees in a similar process. Such enrolled family members / employees are to be termed as designated persons as specified in the T&C.

Yes. Once your enrolment to MAF is done on the acceptance of MAF Terms and Conditions, your investments in all the eligible designated schemes within that folio are tagged with Medical Advantage Feature and will be available for use as per Terms & Conditions of Medical Advantage Feature.

As a special feature, we facilitate you to invest in multiple eligible designated schemes of ICICI Prudential Mutual Fund through ‘Power of Three’ investment option (currently available in physical form only; it will soon be facilitated on our website and IPRUTOUCH App). Through this option, you can invest in following three schemes with one single cheque –

• ICICI Prudential Savings Fund (50% of total investment amount)
• ICICI Prudential Balanced Advantage Fund (45% of total investment amount)
• ICICI Prudential Value Discovery Fund (5% of total investment amount)

Minimum investment amount for this investment option is Rs. 20,000 plus in multiples of Rs. 20 for a fresh purchase, and Rs. 10,000 plus in multiples of Rs. 20 for additional purchase in existing folio.

Illustration – If you invest Rs. 1 Lac through Power of Three investment option, Rs. 50,000 would be invested in ICICI Prudential Savings Fund, Rs. 45,000 would be invested in ICICI Prudential Balanced Advantage Fund, and Rs. 5,000 in ICICI Prudential Value Discovery Fund in case of a fresh purchase.

If the investments are made in the ‘either or survivor’ mode, any holder available can sign the Medical Advantage Feature Redemption (MAF) Form available at the hospital. A possibility arises that the investor signature on the MAF redemption form will be absent in due to medical reasons.

In such cases, the hospital will validate if the investor(s) to be admitted is/are unable to sign the Medical Redemption Form. Thus the feature has a provision to be availed of, even if the investor is hospitalized in an unconscious state.

It is however recommended to invest in ‘either or survivor’ mode to extend the benefits of the feature to your family members and help to make the process easy and seamless.

For meeting healthcare expenses of the family members/employees enrolled, the holders of the Folio shall sign on the medical redemption form.

In case the investors wish to mention the redemption amount only on the medical redemption form and not the scheme(s) from which it is to be redeemed, such option is available for the investors. In such case, investor(s) will sign on the medical redemption form, mentioning the amount to be redeemed and authorizing the service provider to redeem the units in the order matrix mutually agreed between the ICICI prudential Mutual Fund and the Service Provider. Currently, following order matrix is agreed with the Service Provider for the convenience of the investor(s) –

• Liquid / MMF
• Debt Schemes
• Hybrid / Balanced Schemes
• Equity Schemes

Within these classes, if there are investments present in multiple eligible designated schemes, then the redemption request would first be submitted for the scheme with highest valuation within that class, then the next highest, and so on, till the requirement of the total amount to be redeemed is satisfied.

You can call on 080 49101010, and the doctors empanelled with Vidal Health will address any health related queries that you may have.

The investor(s) are requested to visit www.health4sure.in/iprumf and fill the available form.Within 48 hours, an empanelled doctor with Vidal Health will revert on the query.

The investor(s) are requested to call Vidal Health in advance on the following number: 080 49166710 and get advice on which hospital provides best available discount.

Yes In the normal course, this feature does not stop investors from redeeming from their investments.

At the time of hospitalization, Vidal Health may block certain number of units for redemption towards additional hospital expenses that may be incurred as may be estimated by the hospital. Vidal Health will ensure that appropriate number of units is unblocked at the time of payment of interim billing.

Yes. For any query regarding the services that Vidal Health offers, the investor may call on 080 49166710, or visit www.health4sure.in/iprumf. We recommend that the investor call on this helpline before visiting the hospital. This will help the investor get the best possible advice from Vidal Health on which hospital would be most appropriate for the health scenario.

Medical Advantage Feature is available with the following eligible designated schemes of ICICI Prudential Mutual Fund.

The list to know details about these products, click here.

It is recommended that the investor calls Vidal Healthcare at 080-49166710 in advance for a smooth hospitalization process. During hospitalization process, investor needs to show the Medical Advantage Card (soft copy or print) at the admission desk and fill the MAF Redemption Form and Vidal Health pre-authorization form.

Yes, the feature is available for both modes of investment.

Medical Advantage Feature can be used by Non-Individual investors as well. While Sole Proprietors and HUF (Karta) can use this feature for their benefit, corporates / firms can use this feature for their employees. These entities would enroll to MAF, and post such enrolment contact Vidal Health on 080-49166710 to enroll eligible employees of their company. Post such enrolment, these employees would receive Medical Advantage Cards.For medical redemption, signature of the authorized signatories on behalf of such company as registered in the Folio would be required for their employees to receive the benefits of the feature.

No, this is not an insurance product. With this feature, an investor can use their own investments to pay for the medical expenses (such as hospitalization) in a cashless and seamless manner at the hospitals / diagnostic centers empanelled with the service provider Vidal Healthcare Service Pvt Ltd.

This feature can be used to pay your medical expenses irrespective of your insurance cover.

ICICI Prudential Mutual Fund has not tied up with any hospitals. This feature can be availed at the hospitals / diagnostic centers empanelled with our service provider Vidal Healthcare Services Pvt Ltd. To know the entire list of hospitals / diagnostic centers, please visit www.health4sure.in/iprumf/ or call on 080-49166710

In the normal course, if the investor wishes to redeem from his/her mutual fund investment, they can do so by submitting a physical redemption request or through the online channels. In case of medical expenses, there would be a separate Medical Redemption Form available at the hospitals / diagnostic centers empanelled with the service provider Vidal Healthcare Services Pvt Ltd. The investor will have to fill this form at the time of admission to the said hospital / diagnostic center. In case the investor to be admitted is medically deemed unable to sign this form at the point of care, then the authorities at the point of care will validate and indicate so on the Medical Redemption Form basis the initial consent given by the investor for the same.

MAF allows an investor to use their own investments for the medical expenses. This enables an investor to consider Medical Expenses as a goal, and plan for his/her finances with this goal in mind. When not used to pay for Medical Expenses, the investments keep working for the investor as in the normal course and provide potential to generate returns on the money invested.

This will depend from investor to investor; we recommend you to consult your financial advisor for the same. If you wish to speak to one of our Financial Advisors to know more about MAF, we'll be happy to book an appointment for you; the advisor will contact you within 48 working hours.