Lite

YOUR WELL-BEING SHIELD

7299547299
Membership No.
IL7058091
i%:%8&-*-dQ\k
DYDWELIL7058091
Mr Sivalingaprakash R
No 2/131
Thoothukkudi Tamilnadu 628901 17/01/2023

Live Life worry free with CPP LivCare Lite!

We feel immense pleasure in welcoming you to the CPP family! We thank you for choosing LivCare Lite – health and
wellness offering.
CPP LivCare LITE brings you an opportunity to explore a bouquet of services, including online medical assistance
services from AWP IN - AWP Assistance (India) Private Limited, India's leading medical assistance provider. Your
membership also provides you with various assistance and lifestyle such as Live TV and Music Subscription vouchers.
As part of your membership, you will be enrolled into a complimentary Group Term Life Insurance cover with critical
illness rider provided by Bajaj Allianz Life Insurance Co. Ltd. assuring your family's future in case of unforeseen
circumstances.
Your membership details are as mentioned in the box below. You can enjoy these benefits every year till the validity of
your membership. Don't hesitate to get in touch with us on the contact details mentioned below for any assistance
regarding your membership.
welcome pack contains the following elements that explain all the aspects of your membership in detail:
 Benefit Guide: Explains all the key benefits of your membership.
 MITC: most important terms & conditions of your membership condensed for your reference.
 Detailed terms & conditions of your membership.
 Certificate of Insurance with Complimentary Group Term Life Insurance details
you again on becoming a valued CPP LivCare Lite member and congratulations on choosing to live life carefree!
Yours sincerely

Prachala Singh
Head – Customer Service

CPP LivCare Lite - Membership Details cum Sales Proforma

Membership CPP LivCare Lite V1 Plan Membership Fees* ` 999

Start Date 17/01/2023 End Date 16/01/2024

 Advance payment of Membership Fees is the essence of the commencement of our contract with you. Invoice will be generated on
receipt of Membership Fees’
 *Includes 18% Goods & Services Tax.
 If you are a registered person under the Goods and Services Tax Law and wish to avail the credit of Goods and Services Tax paid by
you on our Membership Fee then you are requested to notify us your Legal Name, Address and GSTIN within 7 days of receipt of
er else it shall be assumed that you are a Unregistered Person under Goods and Services Tax Law.
 You can get refund of Your Membership fees if you cancel within 30 days of Your Membership Start Date.
LivCare Lite benefits – Take care of your health!

One call to block all your cards

No er the time, destination, or situation, we'll block all your lost cards in a jiffy. Just call 1800 419
4000 (toll-free) or 6000 4000 (Prefix your city STD code, both numbers available 24x7) and leave the
rest to us.

Teleconsultation with Doctor by AWP Assistance (India) Private Limited

This benefit offers an access to qualified doctors with unlimited consultation. You get clinical
expertise via phone.

Music Subscription
Get a 12-month subscription to Gaana Plus, and listen to music on your favorite device.

ZEE5 All Access Annual Subscription

CPP LivCare Lite comes with a 12 month LIVE TV Subscription, which allows You to watch TV
Shows,Originals, Movies, Music and News and much more, on a device of Your choice. This service is
provided by ZEE.

Complimentary Group Term Life Insurance*

With CPP LivCare Lite membership, you get complimentary insurance with critical illness rider with
Critical Illness rider up to Rs. 1 lakh (as applicable to your variant) and secure future of your family in
case of unforeseen circumstances.

*You will be enrolled into the Complimentary Insurance Coverage benefit within seven (7) days of your membership start date.Term Life
Insurance cover is provided by an Indian Life Insurance Company registered with IRDAI under the group insurance policy for CPP members. For
more details, Please refer to the group policy terms and conditions that will be separately shared with you by the Insurance Company.

Benefit Summary
CPP LivCare Lite Variant 1 Variant 2 Variant 3

Single call to block all your cards Yes Yes Yes

Teleconsultation with Doctor by AWP Assistance (India)

Yes Yes Yes
Private Limited

Gaana Plus - Music Subscription (single subscription only) - No Yes Yes

on call
ZEE5 All Access Annual Subscription- Single Subscription No No Yes
Annually

Complimentary Group term life with critical illness rider INR 50K INR 70K INR 100K

Number of Members covered in membership Primary member only

Membership Period 1 Year

CPP-LC LITE-WL-MAR-2022

MRP inclusive of taxes (In INR) 999 1099 1499

Company CIN U67120DL2007PTC170592 | Company PAN No. AADCC2489H | GSTIN. 06AADCC2489H1ZM

CPP Customer Service CPP Online Servicing

1860 419 4010 feedback@cppindia.com

Monday-Sunday, 11am-9pm in.cppgroup.com

Most Important Terms & Conditions (MITC) for your CPP LivCare Lite Membership use of your sensitive personal information which includes your health information will be
(purchased and financed through Bajaj Finance Limited (‘BFL’) governed AWP IN’s Privacy Policy which you confirm you have read and understood on
Table 1 (As Annexure 1 – Benefit Summary) AWP IN’s website https://www.allianz-partners.com/en_IN/privacy-statement.html.
The Most Important Terms and Conditions (MITC) of your membership are listed below. • You expressly and without limitation, agree for CPP, AWP IN and third party service
Please refer to the Main Terms and Conditions which set out the terms of your Agreement providers to record phone calls and or any medical or identity records submitted by you on
with CPP the helpline numbers set out in the Terms in order for Us or AWP IN to inter alia (i) provide
General a record of the instructions received from You and to share the same with the third party
service providers, if required, (ii) allow itself or its service providers to monitor quality
• The CPP LivCare Lite Service is provided by CPP Assistance Services Private Limited,
standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A,
Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP) in conjunction with • It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer,
its third party suppliers/service providers. or provider of medical services, save for the provision of virtual health (“tele/video
consultation”) services. We or AWP IN makes no express or implied representations
• You must provide us (and BFL) with full and accurate information in connection with
or warranties about the description, quality, fitness for any particular purpose,
your CPP LivCare Lite Membership and Services. In case you provide false or materially
productiveness, or any other matter in relation to Services and disclaims any
incomplete information or commit a material breach of the main terms & conditions of the
implied warranties, including, but not limited to, warranties or implied warranties of
membership, we may cancel your membership
merchantability or fitness for a particular purpose or use or non-infringement. In addition
• Advance payment of the Fees is the essence of the commencement) of the Membership
to this CPP or AWP IN also does not authorize anyone to make any warranty on Our or AWP
and the Services to be provided to You under the Agreement. You must pay the Fee to Us
IN’s behalf.
in advance or repay BFL the full amount paid by BFL to CPP on your behalf for purchase of
• SERVICES UNDER SECTION A1 ARE NOT HEALTH INSURANCE POLICIES. These are
Your CPP LivCare Lite Membership. CPP shall have the right to cancel Your membership
Health related Services provisioned by Our third party service provider at certain locations
without any notice to You if you fail to pay in advance or repay BFL any amount paid by BFL
and access to virtual health services.
towards your CPP LivCare Lite Membership.
• All Services offered under this membership are provided on “As Is” and “As Available” basis
• The Term Life Insurance Cover with Critical Illness rider is provided as an add- on
and may be subject to certain limitations. Consequently in no event shall CPP or its third
complementary benefit under the Group Insurance Policy taken by CPP for its customers
party service providers be liable to you or any third party for any indirect, consequential,
from an Indian insurance company registered with IRDAI (Insurer). Please refer to the
exemplary, incidental, special, or punitive damages, including lost business/revenue/
Group Insurance Policy Terms and Conditions for more details sent to You separately by
profit/goodwill or damages arising from your use or unavailability of these Services and/
the Insurer. Your enrolment into the group term life insurance plan is subject to your health
or any other the services offered to you by Us or our third party service providers in any
declaration in the form and underwriting parameters of the insurer.
manner whether or not We or our third party service providers have been warned of the
• Any change or new addition to your membership and services shall be intimated to you
possibility of such damages or could have reasonably foreseen such damages.
at least 45 days in advance and such changes shall become applicable from the date of
• The consultation provided to you by medical practitioners through this Service are not
intimation. However, it is clarified that the services offered by AWP IN, Gaana Plus, ZEE5
intended to replace your relationship with your primary care physician and you should
where CPP is acting as facilitator, may be added, modified, replaced or removed during the
continue to consult with your primary care physician and other health care professionals
Period of Agreement without this advance notice period of forty-five (45) days.
as needed / recommended. You should seek emergency help or follow-up care when
• CPP reserves the right to revise the Membership Fee at any point of time but it will not
recommended by a medical practitioner or when you are of the opinion that such help or
change for your membership until the Period of Agreement.
care is prudent in your sole opinion.
• On cancellation you (or BFL if BFL has made the payment of Membership Fees to CPP on
• CPP reserves the right, in its sole discretion and without any obligation, to make
Your behalf) will be refunded the membership fee as per the following refund grid
improvements to, or correct any error or omissions in, any component of, or term relating
Within thirty (30) days of Your Start Date: 100% Refund to, the Services offered under this membership or any voucher issued to you by CPP or its
After thirty (30) days: Nil third party service providers and update information from time to time.
• The terms and conditions are governed by and must be interpreted in line with the laws of • You will be provided with Gaana Plus subscription pack offered by Gaana which will enable
the Republic of India. You to listen & download music on the Gaana Application. This subscription is issued
• You can contact us through the following media in case you have any queries about these and governed by the terms & conditions of Gaana, as may be amended from time to time.
terms and conditions of your membership, E-mail: feedback@cppindia.com, Telephone: For detailed terms & conditions, please visit https://gaana.com/terms.html. Our role in
1860-419-4010 (lines open 11am to 9pm, seven (7) days a week) relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and We
Service Related shall not in any manner be liable to You for any loss, damage or compensation in relation to
• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of or arising from its use. For other terms and conditions relating to this Service, please refer
discovering loss of cards. We will then contact on Your behalf to Your Card Issuer to get to Section A3 of the Main Terms & Conditions.
Your Cards blocked. • You will be provided with ZEE5 All Access Annual Subscription pack offered by ZEE
• In case you have not shared the details of a particular card with us and request the same to which will enable you to watch ZEE’s Live TV channels, exclusive originals, blockbuster
be blocked, CPP will attempt to get that card blocked with Your Card Issuer with the help of movies, TV Shows, Music and much more. This subscription is issued and governed by the
other details provided by you on a best effort basis. terms & conditions of ZEE5, as may be amended from time to time. For detailed terms &
• To provide You with health related services as set out in sections A1, We have contracted conditions, please visit https://www.ZEE5.com/termsofuse. Our role in relation to ZEE5
with AWP IN, who is Our third party supplier/service provider and will facilitate provision shall be limited to that of a mere facilitator, and We shall not in any manner be liable to
of these services. Services under section A1 are owned and/or facilitated by AWP IN and you for any loss, damage or compensation in relation to or arising from its use. For other
AWP IN will be responsible and liable for any claims arising from the use of it by You. terms and conditions relating to this Service, please refer to Section A4 of the Main Terms
& Conditions.
• CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in any manner
be liable to the customers for any loss, damage, or compensation in relation to or arising • Note that the service set out in Section A1, A3, A4 this Agreement will not be available
from the use of AWP IN’s products & services. Abroad and available only within India.
• Note that some of the services under section A1 may not be available on Sundays and • You hereby expressly accord your consent allowing CPP to collect all the required data/
National Holidays, You will need to contact AWP IN’s helpdesk at 18004190660 to confirm. information including any sensitive personal data or information from you to service you
and to transfer/utilize your personal information with our approved suppliers/service
• To offer these services, AWP IN may have to collect personal information and your
providers including our group companies for the purpose of sending correspondence to
identifiable health information including physical, physiological and mental health
you and providing some of the features of the membership to you. Please refer to detailed
condition, and medical records and history as part of AWP IN’s virtual health services. The
Data Protection Notice in the Main Terms & Conditions.

Agreement and Terms & Conditions for Your CPP LivCare Lite Membership (Purchased relevant to the Service.
and Financed through BFL) Year – A period of twelve (12) consecutive months.
Please read this document carefully and keep it in a safe place You, Your – The Member.
Table 1 (As Annexure 1 – Benefit Summary) ZEE – ZEE Entertainment Enterprises Limited
Please read this document carefully. It sets out terms and conditions of Your Agreement with ZEE5 – Online streaming services of various contents offered by ZEE
CPP Assistance Services Private Limited (CPP) for the LivCare Lite Service. CPP LivCare Lite Membership Service is provided by CPP Assistance Services Private
Please refer to the Benefits Summary for the benefits as applicable to You for the CPP Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate
LivCare Lite Membership Variant purchased by You. Tower – A, Golf Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in conjunction
Definitions with its third party suppliers/service providers.
Where the following words are used in these terms and conditions, they will have the Should You have any queries about these terms and conditions or Your Membership, You
meanings shown below: can contact us by email at feedback@cppindia.com or by telephoning us on 1860-419-4010
Abroad – In a country other than India. (lines open 11am to 9pm, seven (7) days a week). You can also write to us at the following
Agreement – These terms and conditions of the CPP LivCare Lite Service product and any address:
changes thereto. CPP Assistance Services (Pvt) Ltd
AWP IN - AWP Assistance (India) Private Limited P O Box No 826, Kalkaji Post Office, New Delhi - 110019
BFL – Bajaj Finance Limited, whose corporate office is at 4th Floor, Bajaj Finserv Corporate CPP LivCare Lite
Office, Off Pune Ahmednagar Road, Viman Nagar, Pune – 411014, Maharashtra (and from A: Assistance Services – What is provided?
whom You have financed Your CPP LiveCare Lite Membership). To provide You with health related services as set out in sections A1 below, We have
Card – Your credit, debit, prepaid, cash and other similar cards. contracted with AWP IN, who is Our third party supplier/service provider and will facilitate
Card Loss – Loss by You or theft from You of a Card. provision of these services. Services under section A1 are owned and/or facilitated by AWP
CPP - CPP Assistance Services Private Limited, whose corporate office address is at Ground IN and AWP IN will be responsible and liable for any claims arising from the use of it by You.
Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon Following are some key Terms and Conditions for the Services offered under section A1 -
– 122002, Haryana India and registered office is at A-370, 2nd Floor, Kalkaji, New Delhi – • You must be at least 18 years of age to utilize this service.
110019. • CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in any manner
Fee – Means the total amount as mentioned in the Table 1 (Annexure 1), inclusive of all be liable to the customers for any loss, damage, or compensation in relation to or arising
applicable taxes, that You pay towards Your Membership which is shown in Your Welcome from the use of AWP IN’s products & services.
Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any • Note that some of the services under section A1 may not be available on Sundays and
point of time. National Holidays, You will need to contact AWP IN’s helpdesk at 18004190660 to confirm.
Gaana - Gamma Gaana Limited • To offer these services, AWP IN may have to collect personal information and your
Home – The place where You permanently reside; which You have given us as Your address identifiable health information including physical, physiological and mental health
while registering for the Membership. condition, and medical records and history as part of AWP IN’s virtual health services. The
Issuer – The issuers of the Cards. use of your sensitive personal information which includes your health information will be
Member | Customer – The person who has purchased and is entitled to use the Service whose governed AWP IN’s Privacy Policy which you confirm you have read and understood on
name appears in the Welcome Pack. AWP IN’s website https://www.allianz-partners.com/en_IN/privacy-statement.html.
Membership – Your right to use the Service for each year for which You pay the Fee as per • You expressly and without limitation, agree for CPP, AWP IN and third party service
the Agreement. providers to record phone calls and or any medical or identity records submitted by you on
the helpline numbers set out in the Terms in order for Us or AWP IN to inter alia (i) provide
Period of Agreement – Period as mentioned in Table 1 (Annexure 1) from the Start Date.
a record of the instructions received from You and to share the same with the third party
Service – Shall have the meaning given to it in paragraph A below.
service providers, if required, (ii) allow itself or its service providers to monitor quality
Start Date – The date on which the Membership commences as set out in Your Welcome Pack standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
which We send to You.
A1. Teleconsultation with Doctor
We, us, our – CPP.
To avail this service, You will need to call AWP IN help desk number 18004190660 between
Welcome Pack - means the pack We send to You electronically when You have purchased the 8 AM to 8 PM (available all days except Sundays and national holidays). An AWP IN agent
Membership for the Services containing these terms and conditions and other information
will speak to You and accordingly will connect You with their team of doctors. that of a mere facilitator, and CPP shall not in any manner be liable to the customers for
Following are some key Terms and Conditions for the Service: any loss, damage, or compensation in relation to or arising from its use. Services under
1. You agree to not engage in any abusive, inappropriate or unlawful behaviour when section A1 are owned and/or facilitated by AWP IN, AWP IN will be responsible and liable
communicating with the Tele-consultant/ Doctors for any claims arising from the use of AWP IN products & Services by You. You expressly
represent and warrant that you will not use these Services if you do not understand, agree
2. The Service is intended for use for a planned consultation and is not intended to be used in
to become a party to, and abide by all of the Terms and Conditions and Privacy Policy.
a medical emergency or in case of an urgent healthcare need.
3. It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer,
3. The use of the Service does not create a doctor/patient relationship between You and Us
or provider of medical services, save for the provision of virtual health (“tele/video
or AWP IN.
consultation”) services. We or AWP IN makes no express or implied representations
4. CPP or AWP IN does not recommend or endorse any medical practitioners or make any
or warranties about the description, quality, fitness for any particular purpose,
representations or warranties with respect to the quality of the Teleconsultation services
productiveness, or any other matter in relation to Services and disclaims any
a medical practitioner may provide to You under this service.
implied warranties, including, but not limited to, warranties or implied warranties of
A2: Card Loss Reporting Service merchantability or fitness for a particular purpose or use or non-infringement. In addition
If You lose Your card (credit, debit, prepaid, cash and other similar cards), You can report a to this CPP or AWP IN also does not authorize anyone to make any warranty on Our or
Card Loss to Us at our 24X7 emergency helpline number 6000 4000 (pre-fix STD code) or AWP IN’s behalf.
1800 419 4000 (Toll-free) and We will contact the Issuers on Your behalf and ask them to 4. SERVICES UNDER SECTION A1 ARE NOT HEALTH INSURANCE POLICIES. These
cancel or block Your Card. CPP will attempt to block the card with the help of other details are Health related Services provisioned by Our third party service provider at certain
provided by You on a best effort basis. locations and access to virtual health services.
A3: Music Subscription (For Variant 2 and 3 only) 5. For service under section A1, There will be times when the consulting doctor may not be
As part of this benefit, You will be provided with Gaana Plus subscription pack offered able to provide an assessment using telehealth consultation. The doctors are trained to
by Gaana which will enable You to listen & download music on the Gaana Application. For assess the appropriateness for conducting telehealth consultations on a case-by-case
deriving this benefit, You will have to call CPP’s call centre 1860-419-4010 (lines open 11am basis. They will ensure that each consultation meets the standards required for patient
to 9pm, seven (7) days a week) to place a request to avail this benefit. You are governed by and examination and evaluation: if they are unable to make a full, adequate assessment
must adhere to the following specific terms and conditions: for advice, based on high quality evidence, they will recommend the subscriber visit a
• This subscription is issued and governed by the terms & conditions of Gaana, as may be doctor in a physical clinic. CPP, AWP IN or our third party service providers do not practice
amended from time to time. For detailed terms & conditions, please visit medicine and do not provide medical consultation. We merely provide a technology
https://gaana.com/terms_and_conditions.html platform and infrastructure that enables you to connect with participating medical
• The redemption code is valid for a period of 3 months from the date of purchase of practitioners/doctors listed on the Service and to use the messaging or communication
Membership. facilities of the Service that are designed to enable you to communicate with others
• This offer is not an instrument for payment and shall be used only for the purpose of communication tools to consult with a medical practitioner. AWP IN does not recommend
availing Gaana Plus subscription on the supported devices. For details please visit or endorse any medical practitioners or make any representations or warranties with
respect to the quality of the medical services a medical practitioner may provide to You.
https://gaana.com/faq
6. For service under section A1, The use of this Service does not create a doctor/patient
• Internet service charges applicable as per the plan availed by You from Your telecom
relationship between You and CPP or AWP IN. All medical consultation shall be provided
service provider shall be applicable while accessing Gaana Plus subscription.
to You by the concerned medical practitioner who are working with AWP IN’s Service
• Content available via Gaana Plus subscription shall be subject to change at the discretion Providers, the medical practitioner or AWP IN’s enrolled service provider You consult
of Gaana at any time. with shall be solely responsible for compliance with all requirements applicable to his or
• Please contact Gaana at Feedback@gaana.com for further details or enquiries regarding her professional services provided to you and liable to you for all medical consultation,
Your subscription. medical advice, diagnosis or treatment recommended or provided to you. Neither CPP
Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator, nor AWP IN shall not be responsible or liable for any defect or deficiency in the medical
and We shall not in any manner be liable to You for any loss, damage or compensation in consultation, diagnosis or treatment recommended to you by any medical practitioner.
relation to or arising from its use. 7. The consultation provided to you by medical practitioners through this Service are not
A4: ZEE5 All Access Annual Subscription (For Variant 3 only) intended to replace your relationship with your primary care physician and you should
As a part of this benefit, You will be provided with ZEE5 All Access Annual Subscription continue to consult with your primary care physician and other health care professionals
offered by ZEE, an online portal service with various contents, by way of streaming over the as needed / recommended. You should seek emergency help or follow-up care when
internet on mobile and similar handheld devices, and by the way of mobile applications. With recommended by a medical practitioner or when you are of the opinion that such help or
this You can watch Live TV channels, originals, movies, TV shows with quality streaming care is prudent in your sole opinion.
and a premium experience. 8. It is hereby clarified that Gaana will always remain responsible and liable for any services
For deriving this benefit, You are provided with a unique ZEE5 redemption code in the Pack / claims arising from the use of Gaana Plus Subscription (Section A3). You will be
and You are governed by and must adhere to the following specific terms and conditions: governed by the specific Terms and Conditions of Gaana as applicable to you at the time
• Your access to and use of the ZEE5 All Access Annual Subscription is subject to Terms of of usage. Our role in relation to this service provided to You shall be limited to that of a
Use, Privacy Policy and all applicable laws, rules, and regulations. mere facilitator, and We shall not in any manner be liable to You for any loss, damage or
• This subscription is issued and governed by the terms & conditions of ZEE5, as may be compensation in relation to or arising from the use of this service.
amended from time to time. For detailed terms & conditions, please visit 9. It is hereby clarified that ZEE will always remain responsible and liable for any services /
https://www.ZEE5.com/termsofuse claims arising from the use of ZEE5 All Access Annual Subscription (Section A4). You
will be governed by the specific Terms and Conditions of ZEE as applicable to you at the
• You consent to the terms of Privacy Policy of ZEE5 All Access Annual Subscription
time of usage. Our role in relation to this service provided to You shall be limited to that of
available at https://www.ZEE5.com/privacypolicy and agree to the use of Your Personal
a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or
Information in the manner as provided under this Privacy Policy.
compensation in relation to or arising from the use of this service.
• The redemption code is valid for a period of 3 months from the date of purchase of
10. All Services offered under this membership are provided on “As Is” and “As Available”
Membership.
basis and may be subject to certain limitations. Consequently in no event shall CPP
• This offer is not an instrument for payment and shall be used only for the purpose of or its third party service providers be liable to you or any third party for any indirect,
availing ZEE5 All Access Annual Subscription on the supported devices. For details please consequential, exemplary, incidental, special, or punitive damages, including lost
visit https://www.ZEE5.com/termsofuse business/revenue/profit/goodwill or damages arising from your use or unavailability
• Internet service charges applicable as per the plan availed by You from Your telecom service of these Services and/or any other the services offered to you by Us or our third party
provider shall be applicable while accessing the ZEE5 All Access Annual Subscription. service providers in any manner whether or not We or our third party service providers
• Content available on ZEE5 shall be subject to change at the discretion of ZEE at any time. have been warned of the possibility of such damages or could have reasonably foreseen
The content available to view will vary by geographic location. ZEE may use technology to such damages.
assess your geographic location. 11. CPP reserves the right, in its sole discretion and without any obligation, to make
• Please contact ZEE5 at support.in@ZEE5.com for further details or enquiries regarding improvements to, or correct any error or omissions in, any component of, or term relating
Your subscription. to, the Services offered under this membership or any voucher issued to you by CPP or its
Our role in relation to ZEE5 shall be limited to that of a mere facilitator, and We shall not in third party service providers and update information from time to time.
any manner be liable to You for any loss, damage or compensation in relation to or arising 12. Note that the service set out in Section A1, A3, A4 of this Agreement will not be available
from its use. Abroad and within India, this service will be available in the cities under the coverage
B: General conditions network.
Please read this section carefully as it contains important information. 13. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which
Eligibility might occur to You due to wrong submission of any information to Us by You or if we
The Service is only available to residents of India who are over the age of eighteen (18). are unable to provide the Services to You for reasons beyond Our control or even after
reasonable efforts made by Us.
Term of Membership
Payment
1. Your Membership is available to the person whose name appears in the Welcome Pack
only and is non- transferable. 1. You (or BFL if You have got Your CPP Membership financed through BFL) must pay the
Fee in advance on or before the due dates set out in Your Welcome Pack or which We agree
2. You must provide us with full and accurate information in connection with Your request
with You from time to time and You must re-pay BFL the full amount paid by BFL to Us on
for the CPP LivCare Lite services.
Your behalf for Your CPP Membership.
3. Advance payment of the Fees is the essence of the commencement of the Membership
2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your
and the Services under the Agreement with You. If for any reason, Our fees is not
Membership until the Period of Agreement.
successfully collected from You, We shall cancel your Membership and shall not be
responsible to offer any Service under this Membership. Cancelling Your Membership
4. Your Membership begins on the Start Date and continues for the Period of Agreement in 1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date. If
return for advance payment of the Fee. You exercise this right to cancel then Your Membership will be cancelled immediately and
any payment of Membership Fees made by You (or BFL on Your behalf) will be refunded to
5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours
You (or BFL) as the case may be, as per the terms agreed with BFL.
of discovering the Card Loss. We will then contact on Your behalf to Your Card Issuer to
get Your Cards blocked. For this purpose, You hereby authorize Us to contact Your Card The refund of Membership Fee will be as per the following refund grid:
Issuer. Within 30 days: 100% Refund
6. Any change or new addition to Your Service shall be intimated to You at least forty-five After 30 days: No refund of membership fees
(45) days in advance and such change shall become applicable to You from the date of No refund of Fee shall be due on cancellation under any circumstances if You have used
such intimation. However, it is clarified that the Assistance Service features listed under any of the features of the Service or if the cancellation notice is provided after thirty (30)
A1, A3 and A4, where We are acting as facilitator, may be added, modified, replaced or days from the Start Date
removed during the Period of Agreement without this advance notice period of forty-five 2. We will cancel Your Membership on written notice to You if:
(45) days. • We do not receive advance payment of the Fee from You (or BFL) on the date it is due;
Limitations and/or
1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of • You have failed to re-pay BFL the full amount paid by BFL to Us on your behalf for Your
the Cards. In case You have not shared the details of a particular Card with us and request Membership and We are informed by BFL to cancel your Membership
the same to be blocked, We shall attempt to get that Card blocked with Your Card Issuer • You have at any time:
with the help of other details provided by You on a best effort basis. In the event that given us false or materially incomplete information in relation to Your Membership; or
Your input is required in the form of confidential personal information number (PIN) or
committed a material breach of the terms and conditions of Your Membership.
a telephone identification number (TIN) (which cannot be disclosed to a third party) by
Your Card Issuer, We will assist You by conferencing You on the telephone call with the Governing law and Jurisdiction
Issuer in order for You to provide such PIN/TIN for authentication purposes. These terms and conditions are governed by and must be interpreted in line with the laws of
2. For services setup under section A1, Please note that CPP’s role here shall be limited to the Republic of India.
We and You agree that all the disputes/differences arising out of or in relation to this Information Security Management.
Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Our suppliers/service providers are vetted to ensure they comply with the necessary data
Delhi. You and We agree that terms and all other communications will be issued in English. protection protocol before they are approved.
Complaints We are continually reviewing and updating our security procedures as new technologies
If at any time You want to tell us about a problem with Your Membership please call us on become available. All areas of our website where personal information is collected are secure
1860-419-4010 or You can write to the Complaints Manager at: and will display the ‘padlock’ symbol for reassurance. Where information is transferred it
CPP Assistance Services (Pvt) Ltd P O Box No 826, Kalkaji Post Office, New Delhi - 110019 shall be encrypted using the latest encryption technology commercially available.
We will do our best to revert to Your query within 48 working hours. We will also do our best Please refer to our data privacy policy at our website https://in.cppgroup.com/ for more
to send you communications as relevant from time to time to keep You informed on the details.
progress. . Who We may pass Your details to and how they would be used
If you think you are not getting a satisfactory response, You may escalate the matter to Updating Your records
escalations@ cppindia.com We may ask BFL to tell us about changes in Your contact details / details specifically related to
Recording calls the Services (subject to any disclosure contract in this regard that You may have with BFL) so We
We record all telephone calls made to us. We do this to: can update Your Membership records. This may include asking for information about changes
• provide a record of the instructions We have received from You; to any personal information (e.g. telephone, mobile phone or fax numbers or email addresses).
• allow us to monitor quality standards; Providing the Service
• help us with staff training; and If You ask us to report a lost Card, We will pass Your name and address and the details of the
Card to the Issuer so that they can cancel it and provide a replacement, if requested by You.
• meet legal requirements.
When You take the Membership, We pass Your personal details to our approved suppliers to
All communications and Membership documents will be in English unless otherwise agreed.
provide some of the services described in Section A. We will only pass to them the minimum
Your consent
amount of information required for them to be able to identify You, should You need these
By entering into this Agreement You hereby expressly accord Your consent and authorize services. Our suppliers will pass Your information (such as Your name, contact details, etc.)
us to collect all the required data/information including any sensitive personal data to third parties to enable them to assist You only in instances when You require help from
or information from You to service You under this Agreement. Prior to providing any them.
information, You have an option not to provide the data or information sought under this
We may pass Your personal information to our approved fulfilment and courier vendors so
Agreement by sending to us a written notice to that effect.
that We can send correspondence to You and provide some of the features of the Service to
By entering into this Agreement, You hereby expressly accord Your consent that for the You.
better performance of this Agreement We may transfer Your data/information to any city
Marketing and Market Research
within India or to a country outside India as mentioned herein. If We do transfer Your data
To avoid contacting You unnecessarily about products or services You may already have,
within or outside India, We will make the appropriate checks to ensure that Your data is
We will compare Your details with information on prospect files prepared by our business
adequately protected.
partners. When We do this We may need to tell our business partners/third party suppliers/
Remember that upon request, You have a right to see and review all the personal information
service providers that You have subscribed for the Service or hold a product with us and
We hold about You and if found to be inaccurate or deficient, shall be corrected or amended
disclose enough personal data to allow our business partners/third party suppliers/service
as feasible. If You would like to request this, please contact our Customer Services Team
providers to identify You on these files.
on 1860-419-4010. Please note that there will be a separate administration charge for
We and our approved suppliers/service providers may also use Your personal information
the provision of this information. Please also note that We will not be responsible for the
to contact You about goods and services that might interest You or invite You to take part
authenticity of the information provided by You to us as required under this Agreement
in market research surveys. You may be contacted either by post, phone or e-mail for these
You have the right to withdraw the consent earlier provided by You with respect to providing
purposes. If You would prefer this not to happen, please let us know when You register, or call
Your data/ information sought by us anytime while availing the Services. Such withdrawal
us at any time if You change Your mind.
of the consent shall be intimated in writing to us. However, in the event that You decide not
AWP Assistance (India) Private Limited (AWP IN)
to provide the data/Information sought by us or withdraw the consent earlier given by You,
then We retain the right to not provide the services for which such data/information was When You take our subscription, We pass Your personal details to AWP IN to provide
sought. the services described in Section A1 . We will only pass to them the relevant amount of
information required for them to be able to identify You and create your AWP IN membership,
Data Protection Notice
should You need to avail these services. AWP IN may pass Your personal information (such
We will use the information You provide to:
as Your name, contact details, etc.) to third parties to enable them to assist You only in
• manage Your Membership; instances when You avail the services offered in Section A1. However to offer these services,
• collect Fees when due; and AWP IN may have to collect your personal information and identifiable health information
• provide the Service to You. including physical, physiological and mental health condition, and medical records and
We may, from time to time, collect from You or BFL Your personal information (e.g. phone or history as part of AWP IN’s virtual health services. The use of Your personal information and
fax numbers, or e-mail id etc.) to update Your records with Us or for the purpose of providing sensitive personal information which includes your health information will be governed by
You the Service. AWP IN’s Privacy Policy.
We may pass Your personal information to our approved suppliers/service providers Grievance regarding Data Protection issues
including our group companies for the purpose of sending correspondence to You and If at any time You want to tell us about a problem, discrepancy or grievance regarding Your
providing some of the features of the Service to You. We will only pass to them the minimum personal data/ information/details or the processing thereof, please call our designated
amount of information required for them to be able to identify You, should You need these grievance officer Prachala Singh on 1860-419-4010 or You can also write to our grievance
Services. Our suppliers will pass Your information (such as Your name, contact details, etc.) officer at:
to third parties to enable them to assist You only in instances when You require help from CPP Assistance Services (Pvt) Ltd
them. P O Box No 826, Kalkaji Post Office, New Delhi - 110019
They may contact You by post, landline telephone or, if You have previously agreed, by email Our grievance officer will do his best to expeditiously redress any issues/grievance that You
or mobile phone. By taking out Your Membership and by giving us Your address, phone may have within a period of thirty (30) days from the date of receiving Your grievance.
number and email address, You agree that We and our approved suppliers/service providers
may contact You using these methods, unless You have told us not to. If You do not want Your
details to be used for these purposes, please let Us know in writing at any time.
How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information is
protected against unauthorised use of any kind. We have appropriate measures in place to
safeguard the data We hold. Our Information and Data Security Systems at CPP Group Plc
have been verified by accreditation in the form of ISO 27001 and PCI-DSS certificate for

Table 1 (As Annexure 1 – Benefit Summary)

CPP LivCare Lite Variant 1 Variant 2 Variant 3

Single call to block all your cards Yes Yes Yes

Teleconsultation with Doctor Yes Yes Yes

Gaana Plus - Music Subscription (single subscription only) - on call No Yes Yes

ZEE5 All Access Annual Subscription (single subscription only) No No Yes

Complimentary Group Term Life Insurance with Critical Illness rider INR 50K INR 70K INR 100K

Number of Members covered in membership Primary member only

Membership Period 1 Year

MRP inclusive of taxes (In INR) 999 1099 1499

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Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

Table of Contents

1. Product Description and Feature...........................................................................................................3

2. Benefits under the Group Insurance Scheme........................................................................................3

3. Non- Forfeiture.......................................................................................................................................3

4. Suicide Claim Provision..........................................................................................................................3

5. Payment of Premium..............................................................................................................................3

6. Nominations............................................................................................................................................3

7. Claims Process.......................................................................................................................................4

8. Taxes......................................................................................................................................................4

9. Termination of the Membership..............................................................................................................4

10. Contact details of the Company/Agent...................................................................................................4

11. Grievance Redressal and Ombudsman.................................................................................................4

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 2
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

GROUP TERM LIFE

IMPORTANT TERMS AND CONDITIONS OF THE INSURANCE CONTRACT
The highlights of the important terms and conditions of the Insurance Contract are mentioned herein below.These should not be
construed to be exhaustive and for detailed terms and conditions of the Policy please contact the Master Policyholder.The Master
Policy contract of this scheme is also available at corporate office of Bajaj Allianz Life Insurance Co Ltd, BAJAJ ALLIANZ HOUSE,
Airport Road, Yerawada, Pune 411006 (herein after referred to as Company).Words and Phrases used hereunder have the same
meaning as defined in the policy document. The standard policy terms and conditions are also available on the web site of the
Company.

1. Product Description and Feature

1.Bajaj Finance Limited , the Master Policy Holder has proposed for a oneyear renewable group term policy (GTL) on the life of
its members on the basis of Scheme Rules for administration of the group insurance scheme and the same has been agreed
and accepted by the insurer Bajaj Allianz Life Insurance Co Ltd.
2. The Sum Assurance under the assurance is payable only on death or first occurrence of death in case of joint life
coverage.Payment of Sum Assured amount is subject to the terms and conditions of the group insurance scheme.
3. The Benefits are strictly personal and cannot be assigned, charged.
4.There is no loan available under this plan
2. Benefits under the Group Insurance Scheme
'A' Death Benefits
On death of the member whose life is assured under this assurance or upon first death of either of the joint life members in case
joint life coverage is opted, the sum assured shall be payable as death benefits subject to the terms and conditions of group
insurance scheme. The member has an option to opt for any of the 2 following options for payment of death benefits to the
nominee/beneficiary.
Option 1 Sum Assured is payable as Lump Sum.
Option II X% of Sum Assured as Lump Sum and balance amount i.e. (1X%) of Sum Assured is paid in installments in arrears
spread over the installment period chosen subject to a maximum of 10 years,where X should be at least be 10.Under Option II,
the mode of installment payment, the term of installment payment and the amount of lump sum payment can be decided by the
primary member at inception or at any membership anniversary.
Installment Amount = [ (1x%)*Sum Assured/Installment Period] * installment factor

Installment period(in yrs) 1 2 3 4 5 6 7 8 9 10

Installment Factor 1.04 1.06 1.08 1.10 1.12 1.14 1.16 1.18 1.21 1.23

'B' Maturity Benefit

There is no maturity Benefit under this plan.
'C' Surrender Benefit
There is no surrender Benefit under this plan.
3. Suicide Claim Provision

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 3
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

If membership under the scheme is not compulsory for all the Members then in case Member commits suicide with in one year
from Entry Date,no death benefit as mentioned herein above shall be payable. If the Life assured commits suicide, whether
sane or insane,within one(1) year from the date of commencement of risk, the contract of insurance shall be terminated by
paying 80% of the premium paid,whether or not any beneficial interest has been created therein. The validity of the contract of
insurance will be determined in accordance with the actual date of death of the life assured and not date of intimation of death.

4. Payment of Premium
a) Premiums in respect of all the Members are payable on subsequent Premium Due Date or within the Grace Period allowed
without there being any obligation on the Company to notify the Policyholder and/or the Member of the due dates.
b) Where the Premiums have not been paid on the Premium Due Dates or even during the Grace Period, in respect of the
Member,the Membership of such Members under the Policy shall, cease with effect from the Premium Due Date.The frequency
of Premium payment may be changed by giving written notice to the Company subject to the Company agreeing to the change
and the minimum Premium requirements by the Company.Regular Premium may be paid at regular intervals on an annual, half-
yearly,quarterly or monthly basis.Grace period shall mean period of 15 days for monthly frequency of Premium payment and
one month but not less than 30 days basis.Grace period shall mean period of 15 days for monthly frequency of Premium
payment and one month but not less than 30 days. Membership which has lapsed for non payment of premium can be revived
by payment of premium/s due within the one year term of the policy by submission of documents & information required by the
Company to indicate continuity of insurability.Membership may be revived on revised terms and conditions which may be
different from terms and conditions initially agreed
5. Nominations
The Member or the Primary Member in case of joint life coverage shall nominate a Beneficiary to whom the death benefits shall
be payable in case of death of the Member. It shall be lawful for the Member to name an Appointee who shall receive the
money during the minority of nominee. The death benefit shall be paid by the Company to the Beneficiary or the Appointee as
the case may be
6. CLAIMS PROCESS
Death claim due to death of a Member shall be processed and paid by the Company subject to receipt of the information and
documents as mentioned herein below:
6.1 Original Certificate of Insurance as issued by the Company
6.2. Death claims have to be intimated by a written notice within 180 days of the death and the circumstances resulting in the
death.
6.3 Claimant Statement with complete details.
6.4 Death Certificate and medical cause of death certification.
6.5 Medical cause of death certificate from the doctor last attending or the hospital in which the death occurred along with
complete medical records.
6.7 Coroner's/Postmortem Report, FIR, Police Inquest Report in case of unnatural/accidental death.
6.8 Copy of the crematorium/burial record specifying the date, day and time of cremation/burial.
6.9 Documents to establish rights of claimant in case of no valid nomination being in existence at the time of death.
6.10 A Any other relevant documents or information as may be required by the insurer for the processing of the claim depending
upon the cause of death and facts disclosed at the time of claim.

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 4
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

The claims can be lodged by the Beneficiary or any other legal heir either directly with the Company or through the Master
Policyholder.
Claims can be lodged at any of the offices of the company
7. Taxes
Taxes including ST/GST as applicable shall have to be borne by the Member or the Beneficiary as the case may be. ST/GST on
life insurance premium and extra premium,if applicable, shall be colected along with the premium amount.
8. Termination of the Membership
The Life Insurance Cover on the life of a Member shall cease on the happening of any of the following events:
The date on which the Policyholder terminates the Policy.
The date on which the Primary Member is no more eligible to be a member of the group, as per the Scheme Rules.
The date on which the Primary Member or, in case of joint life cover, the first of Primary Member and the Spouse completes the
age of 70 years.
On death of the Primary Member or, in case of joint life cover, on first death of the Primary Member and the Spouse.
At the end of the Grace Period, on non-payment of Premium before the expiry of the Grace Period during the term of the
Policy.
The insurer terminating the contract by giving 90 days notice to master policy holder
9. Contact details of the Company/Agent
Claims can be referred at any of the BALIC branches in India. Claims can also be sent to Bajaj Allianz Life Insurance
Company.Limited through the Master Policyholder or directly to
Bajaj Allianz Life Insurance Company, IRDAI Regn.No.:116, Corporate Identity Number: U66010PN2001PLC015959
BAJAJ ALLIANZ HOUSE, Airport Road, Yerawada,
Pune 411006. Tel:(020) 6602 6777. | Fax: (020) 66026789
For any queries you can contact customer care centre: BSNL//MTNL (Toll Free) 180022 5858 (Toll Free) 1800209 5858
You can send an email to customercare@bajajallianz.co.in, Web Site: www.bajajallianzlife.com
For more terms and conditions on the policy, please refer to Master policy bond available with the Master Policy Holder.Please
find below Broker's/Agent's/Intermediary details:

Your Agent's details

Agent Code : 59L0000000
Agent name BAJAJ FINANCE LIMITED
Contact No: 020 3957 5152
Email : Wecare@bajajfinserv.in

10. Grievance Redressal and Ombudsman

In case you have any query or complaint/grievance, you may register your complaint/grievance on our website at the link
http://general.bajajallianz.com/BagicNxt/misc/iTrack/onlineGrievance.jsp or get in touch with the Operations in-charge at the
branch office mentioned in the policy document provided to you or any of our nearest branch office.Bajaj Allianz Life Insurance
Company Ltd.,

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 5
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

BAJAJ ALLIANZ HOUSE, Airport Road,

Yerawada, Pune 411006
Contact No:_ Toll Free No. 1800225858,By Fax : 020-6602-6789
By Email : customercare@bajajallianz.co.in
In case you are not satisfied with the decision of the above office, or have not received any response within 10 days,or may
contact the following official for resolution:
Grievance Redressal Officer, Bajaj Finserv,
Bajaj Allianz Life Insurance Company Ltd. 3rd Floor,
Survey No: 208/1-B , Behind Weik Field IT Park,
Viman Nagar,Pune 411014 Tel. No: 1800- 233- 7272 |Fax: (+91 20) 40111502,
Email D: customercare@bajajallianz.co.in

If Policyholder is not satisfied with the response or does not receive a response from the Company within fifteen (15) days, he
may approach the IRDAI Grievance Cell Centre (IGCC) on the following contact details:By Phone: TOLL FREE NO: 155255, By
Email: complaints@irda.gov.in By post at: Consumer Affairs Department InsuranceRegulatory and Development Authority of
India 9th floor, United India Towers, Basheerbagh, Hyderabad 500 029,AndhraPradesh | By Fax at: +91- 40 6678 9768 The
Policyholder can also register his complaint online at http://www.igms.irda.gov.in/

a) In case you are not satisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman if
your grievance pertains to any of the following:
i) Insurance claim that has been rejected or dispute of a claim on legal construction of the Policy
ii) Delay in settlement of claim
iii) Dispute with regard to premium
iv) Non-receipt of your insurance document

b) The address of the Insurance Ombudsman is provided as per Address & Contact Details of Ombudsman Centers attached
herewith. For the latest list of insurance ombudsman, please refer to the IRDAI website at
http://www.irdaindia.org/ins_ombusman.htm.

c) The complaint should be made in writing and duly signed by the complainant or by his legal heirs with full details of the
complaint and the contact information of complainant.

d) Also please note that as per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to the
Ombudsman can be made.
i) Only if the grievance has been rejected by the grievance redressal mechanism of the Company.
ii) The complaint should be filed within a period of one year from the date of rejection by the Company.
iii) The complaint should not be simultaneously under any litigation.

For Bajaj Allianz Life Insurance Company Limited

Mr. Kayzad Hiramanek

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 6
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

Annexure
Office of the Ombudsman Contact Details Areas of Jurisdiction
AHMEDABAD Insurance Ombudsman, Gujarat , UT of Dadra &
Office of the Insurance Ombudsman, Nagar
2nd Floor, Ambica House, Nr. C.U. Shah College, Haveli, Daman and Diu
Ashram Road, AHMEDABAD-380 014.
Tel.:- 079-27546840 / Fax : 079-27546142
Email: ins.omb@rediffmail.com
BHOPAL Insurance Ombudsman, Madhya Pradesh &
Office of the Insurance Ombudsman, Chhattisgarh
Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar,
Opp. Airtel, Near New Market, BHOPAL(M.P.)-462 023.
Tel.:- 0755-2569201 / Fax : 0755-2769203
Email : bimalokpalbhopal@airtelmail.in
BHUBANESHWAR Insurance Ombudsman, Orissa
Office of the Insurance Ombudsman,
62, Forest Park, BHUBANESHWAR-751 009.
Tel.:- 0674-2596455 / Fax : 0674-2596429
Email : ioobbsr@dataone.in

CHANDIGARH Insurance Ombudsman, Punjab , Haryana, Himachal

Office of the Insurance Ombudsman, Pradesh, Jammu & Kashmir
S.C.O. No.101-103, 2nd Floor, Batra Building. , UT of
Sector 17-D, CHANDIGARH-160 017. Chandigarh
Tel.:- 0172-2706468 / Fax : 0172-2708274
Email : ombchd@yahoo.co.in
CHENNAI Insurance Ombudsman, Tamil Nadu, UTPondicherry
Office of the Insurance Ombudsman, Town
Fathima Akhtar Court, 4th Floor, 453 (old 312), and Karaikal (which are
Anna Salai, Teynampet, CHENNAI-600 018. part of UT
Tel.:- 044-24333668 /5284 /Fax : 044-24333664 of Pondicherry)
Email : insombud@md4.vsnl.net.in
NEW DELHI Insurance Ombudsman, Delhi & Rajasthan
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Bldg.,
Asaf Ali Road, NEW DELHI-110 002.
Tel.:- 011-23239633 / Fax : 011-23230858
Email : iobdelraj@rediffmail.com
GUWAHATI Insurance Ombudsman, Assam , Meghalaya,
Office of the Insurance Ombudsman, Manipur,
Jeevan Nivesh, 5th Floor, Near Panbazar Overbridge, Mizoram, Arunachal
S.S. Road, GUWAHATI-781 001 (ASSAM). Pradesh,
Tel.:- 0361-2132204/5 / Fax : 0361-2732937 Nagaland and Tripura
Email : ombudsmanghy@rediffmail.com
HYDERABAD Insurance Ombudsman, Andhra Pradesh, Karnataka
Office of the Insurance Ombudsman, and
6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool, UT of Yanam a part of the
HYDERABAD-500 004. UT of
Tel : 040-65504123 / Fax: 040-23376599 Pondicherry
Email : insombudhyd@gmail.com
KOCHI Insurance Ombudsman, Kerala , UT of (a)
Office of the Insurance Ombudsman, Lakshadweep ,
2nd Floor, CC 27/2603, Pulinat Bldg., (b) Mahe a part of UT of
Opp. Cochin Shipyard, M.G. Road, ERNAKULAM-682 015. Pondicherry
Tel : 0484-2358759 / Fax : 0484-2359336
Email : iokochi@asianetindia.com

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 7
Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

KOLKATA Office of the Insurance Ombudsman, West Bengal, Bihar,

4th Floor, Hindusthan Bldg. Annexe, 4, C.R.Avenue, Jharkhand
Kolkatta 700 072. and UT of Andaman &
Tel: 033 22124346/(40) / Fax: 033 22124341 Nicobar
Email : iombsbpa@bsnl.in Islands, Sikkim

LUCKNOW Insurance Ombudsman, Uttar Pradesh and

Office of the Insurance Ombudsman, Uttaranchal
Jeevan Bhawan, Phase-2, 6th Floor, Nawal Kishore Road,
Hazaratganj, LUCKNOW-226 001.
Tel : 0522 -2231331 / Fax : 0522-2231310
Email : insombudsman@rediffmail.com
MUMBAI Insurance Ombudsman, Maharashtra , Goa
Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe, S.V. Road, Santacruz(W),
MUMBAI-400 054.
Tel : 022-26106928 / Fax : 022-26106052
Email : ombudsmanmumbai@gmail.com

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 8
Bajaj Allianz Group Accelerated Critical Illness Rider
UIN: 116B026V03

Terms and Conditions

1) The Bajaj Allianz Group Accelerated Critical Illness Rider is an additional accelerated Rider Benefit attached with the base Policy.
This document should be read along with the base Policy Document and form part of the base Policy Document. The continuance of
risk cover under the base Policy is necessary precondition for continuance of cover under this Rider.The Rider can be chosen at
inception or any Annual Renewal Date. If the Bajaj Allianz Group Accelerated Critical Illness Rider is opted for and if the Member or
the first of the joint Members is diagnosed, after the waiting period of 90 days, as suffering from any of these 11 critical illnesses (as
defined below) during the Rider Benefit Term, then, the Rider Sum Assured chosen is payable immediately.
Rider Sum Assured/ Rider Benefit Payable
The Rider Sum Assured to be opted by the Member and can be up to 100% of the Sum Assured chosen under the base group plan.
a. If Rider Sum Assured is equal to Sum assured under the base Policy, than the risk-cover for both the Member and joint Member, if
any, under the Policy, including the Rider, will terminate after the critical illness benefit is paid.
b. If Rider Sum Assured is less than the Sum Assured under the base Policy, then, the Rider cover will terminate but the risk cover for
both the Member and joint Member, if any, under the base Policy will continue for the balance Sum Assured
Rider Premium means the amount exclusive of applicable taxes, if any, as indicated in the schedule of Certificate of Insurance
payable at regular intervals during the Rider Benefit Term, in amount (along with and as part of the Regular Premium) and at the
Premium Payment Frequency and depends on the Rider Sum Assured. Premium for availing rider benefit,along with all applicable
taxes including Service Tax at applicable rates, must be paid along with premium for base cover for the Member.
Rider Benefit
On first diagnosis of any of the 11 Critical Illnesses (as defined below) on the life of the Member or joint member incase of joint life
coverage is opted during the term of the Policy,provided the Rider is not terminated (as per condition/s given) then, the Company,
subject to Non-forfeiture/ Revival/ Exclusions, shall pay the Rider Sum Assured to the Member. The diagnosis of the Critical Illness
needs to be confirmed by a registered Medical Practitioner appointed by the Company and has to be supported by acceptable clinical,
radiological,histological and laboratory evidence. The Company should be informed of the Critical Illness within 30 days of diagnosis
of the Critical Illness.
No Rider Maturity or Surrender Benefit is available under the Rider..
Critical Illness Covered
1. CANCER OF SPECIFIED SEVERITY
A malignant tumourcharacterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal
tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cance r
includes leukemia, lymphoma and sarcoma.
The following are excluded
a. Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non
invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3;
b. Any skin cancer other than invasive malignant melanoma;
c. All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least
clinical TNM classification T2N0M0;
d. Papillary micro - carcinoma of the thyroid less than 1 cm in diameter;
e. Chronic lymphocycticleukaemia less than RAI stage 3;
f. Microcarcinoma of the bladder;
g. All tumours in the presence of HIV infection.
2. FIRST HEART ATTACK OF SPECIFIED SEVERITY
The first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood
supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:
a. a history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain);
b. new characteristic electrocardiogram changes;
c. elevation of infarction specific enzymes, Troponins or other specific biochemical markers.
The following are excluded:
d. Non-ST-segment elevation myocardial infarction (NSTEMI) with elevation of Troponin I or T;
e. Other acute Coronary Syndromes
f. Any type of angina pectoris.
3. OPEN CHEST CABG
The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by
coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery has
to be confirmed by a specialist medical practitioner.
Excluded are:

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 9
Bajaj Allianz Group Accelerated Critical Illness Rider
UIN: 116B026V03

a. Angioplasty and/or any other intra-arterial procedures;

b. any key-hole or laser surgery.
4. KIDNEY FAILURE REQUIRING REGULAR DIALYSIS
End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal
dialysis (hemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be confirmed by a
specialist medical practitioner.
5. STROKE RESULTING IN PERMANENT SYMPTOMS
Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of brain tissue, thrombosis in an
intracranial vessel, haemorrhage and embolisation from an extracranial source. Diagnosis has to be confirmed by a specialist medical
practitioner and evidenced by typical clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of
permanent neurological deficit lasting for atleast 3 months has to be produced.
The following are excluded:
a. Transient ischemic attacks (TIA);
b. Traumatic injury of the brain;
c. Vascular disease affecting only the eye or optic nerve or vestibular functions.
6. MAJOR ORGAN /BONE MARROW TRANSPLANT
The actual undergoing of a transplant of:
a. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the
relevant organ, or
b. Human bone marrow using haematopoietic stem cells The undergoing of a transplant has to be confirmed by a specialist medical
practitioner.
The following are excluded:
a. Other stem-cell transplants;
b. Where only islets of langerhans are transplanted.
7. PERMANENT PARALYSIS OF LIMBS
Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical
practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3
months.
8. MULTIPLE SCLEROSIS WITH PERSISTING SYMPTOMS
The definite occurrence of multiple sclerosis. The diagnosis must be supported by all of the following:
a. investigations including typical MRI and CSF findings, which unequivocally confirm the diagnosis to be multiple sclerosis;
b. there must be current clinical impairment of motor or sensory function, which must have persisted for a continuous period of at
least 6 months, and
c. well documented clinical history of exacerbations and remissions of said symptoms or neurological deficits with atleast two clinically
documented episodes atleast one month apart.Other causes of neurological damage such as SLE and HIV are excluded.
9. AORTIC SURGERY
The undergoing of surgery to correct any narrowing, dissection, obstruction or aneurysm of the thoracic or abdominal aorta, but not its
branches. The surgery must be considered medically necessary by a recognized consultant cardiologist and must be the most
appropriate treatment.
The following are excluded:
a. All minimally invasive procedures such as keyhole, catheter, laser, angioplasty or other intra-arterial techniques are excluded.
b. Congenital narrowing of the aorta and traumatic injury of the aorta are specifically excluded.
10. PRIMARY PULMONARY HYPERTENSION
Means primary pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterization , resulting
in significant permanent physical impairment to the degree of at least Class 3 of the NEW YORK Heart Association Classification of
cardiac impairment and resulting in the Life Insured being unable to perform his/her usual occupation. The condition must be
documented for at least three consecutive months.
11. ALZHEIMERS DISEASE
Means the unequivocal diagnosis of Alzheimers disease made by a recognized consultant neurologist holding an appointment in this
capacity at a major hospital and supported by clinical evidence and standardized testing. The diagnosis must confirm permanent
failure of brain function resulting in significant cognitive impairment. Significant cognitive impairment is defined as a deterioration or
loss of intellectual capacity to the extent that it results in the requirement for continual supervision.
Alzheimers disease resulting from the following is excluded:
a. Alcohol or drug abuse;

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 10
Bajaj Allianz Group Accelerated Critical Illness Rider
UIN: 116B026V03

b. Non-organic diseases such as neurosis or psychiatric illness.

Options available to a Member
The Member through the Policyholder can include/exclude this rider benefit from any membership anniversary. In case of exclusion,
the Rider Benefit will immediately cease and no further Rider Premium will be collected. Once this rider is excluded, it can be added
back again on any membership anniversary subject to underwriting.In case of exclusion, no surrender value is payable.
Payment of claim
a) The payment will only be made on confirmation of the diagnosis by a registered Medical Practitioner appointed by the Company
and must be supported by acceptable clinical,radiological, histological and laboratory evidence. No subsequent death benefit is
payable after the payment of the Rider Benefit.
b) The Company should be informed of the Critical illness within 30 days of diagnosis of the Critical Illness.
c) If Rider Sum Assured is equal to Sum Assured under the base Policy, than the risk-cover for the Member and joint Member, if any,
under the Policy, including the Rider, will terminate after the critical illness benefit is paid
d) If Rider Sum Assured is less than the Sum Assured under the base Policy, then, the Rider cover will terminate but the risk cover for
the Member and joint Member, if any, under the base Policy will continue for the balance Sum Assured.
Exclusions
No critical illness benefit shall be paid on diagnosis of critical illness due to attempted suicide within one year from the date of
commencement of Membership.
The critical illness benefit shall not be paid on any of the lives covered in case of the following conditions:
1. Any critical illness which occurred within 90 days of the Entry Date or the date of Revival.
2. The Member committing or attempting to commit a criminal act whether alone or with others;
3. AIDS, any AIDS related illness or HIV infection;
4. The Members intentional self-inflicted injury, attempted suicide, while sane or insane;
5. War, invasion, civil war, rebellion or riot;
6. Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful
directions and prescription of a registered medical practitioner;
7. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny,
rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
8. Taking part in any naval, military or air force operation during peace time Engaging in or taking part in hazardous activities,
including but not limited to, diving or riding or any kind of race; martial arts; hunting; mountaineering; parachuting; bungee-jumping;
underwater activities involving the use of breathing apparatus or not;
9. Hazardous Activities mean any sport or pursuit or hobby, which is potentially dangerous to the Insured Member whether he is
trained or not
10. Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on
regular routes and on a scheduled timetable Any Pre-existing medical condition.
11. Pre-existing medical condition definition will be as per health regulation.
Termination of the Rider Benefit
The Rider Benefit shall automatically terminate on the life of the Member or both the joint life members in case joint life cover was
opted, on the earlier occurrence of either of the following.
a) On exclusion of this Rider by the Member through Policyholder
b) On maturity or termination of the base Group Policy
c) Membership ceases under the base Policy
d) On discontinuation of Premium under the base Policy
e) On receipt of Critical illness Benefit
f) On Member, or in case of joint life the older life, attaining the age of 70 years.
Other Terms and Conditions
All other General Conditions relating to Nomination, payment of premium, effect of non-payment of premium, Non Forfeiture, Revival
are as per the base Policy.

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 11