Bajaj Allianz General Insurance Company Limited Bajaj Allianz General Insurance Company Limited is a joint venture between

Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Both enjoy a reputation of expertise, stability and strength. Bajaj Allianz General Insurance received the Insurance Regulatory and Development Authority (IRDA) certificate of Registration on 2nd May, 2001 to conduct General Insurance business (including Health Insurance business) in India. The Company has an authorized and paid up capital of Rs 110 crores. Bajaj Finserv Limited holds 74% and the remaining 26% is held by Allianz, SE. As on 31st March 2008, Bajaj Allianz General Insurance maintained its premier position in the industry by garnering a premium income of Rs. 2578 crore, achieving a growth of 43 % over the last year.Bajaj Allianz has made a profit before taxes of Rs. 167 crore and is the first company to cross the Rs.100 crores mark in profit after tax by generating Rs. 105 crores. In the first quarter of 2008-09, the company garnered a gross premium of Rs.733.53 crores against Rs.573.73 core last year for the same period registering a growth of 28%. Bajaj Allianz today has a countrywide network connected through the latest technology for quick communication and response in over 200 towns spread across the length and breadth of the country. From Surat to Siliguri and Jammu to Thiruvananthapuram, all the offices are interconnected with the Head Office at Pune. Vision

To be the first choice insurer for customers To be the preferred employer for staff in the insurance industry. To be the number one insurer for creating shareholder value

Mission As a responsible, customer focused market leader, we will strive to understand the insurance needs of the consumers and translate it into affordable products that deliver value for money. A Partnership Based on Synergy Bajaj Allianz General Insurance offers technical excellence in all areas of General and Health Insurance as well as Risk Management. This partnership successfully combines Bajaj Finserv's indepth understanding of the local market and extensive distribution network with the global experience and technical expertise of the Allianz Group. As a registered Indian Insurance Company and a capital base of Rs. 110 crores, the company is fully licensed to underwrite all lines of general insurance business including health insurance. Our Achievements Bajaj Allianz has received "iAAA rating, from ICRA Limited, an associate of Moody's Investors Services, for Claims Paying Ability.This rating indicates highest claims paying ability and a fundamentally strong position

Shareholders & Promoters

Bajaj Finserv Limited Bajaj Finserv Limited has been recently demerged from Bajaj Auto Limited which is the largest manufacturer of two and three-wheelers in India .As a promoter of Bajaj Allianz General Insurance Company Ltd., Bajaj Finserv Ltd;has the following to offer:

Vast distribution network through its group companies Knowledge of Indian consumers. Financial strength and stability to support the insurance business. Visit Bajaj Allianz Life Insurance Website www.bajajallianzlife.co.in

Allianz SE, Germany Allianz SE is in the business of General (Property & Casualty) Insurance; Life & Health Insurance and Asset Management and has been in operation for over 110 years. Allianz is one of the largest global composite insurers with operations in over 70 countries. Further, the Group provides Risk Management and Loss Prevention Services. Allianz has insured most of the world's largest infrastructure projects (including Hongkong Airport and Channel Tunnel between UK and France), further Allianz insures the majority of the fortune 500 companies, besides being a large industrial insurer, Allianz has a substantial portfolio in the commercial and personal lines sector, using a wide variety of innovative distribution channels. Allianz SE has the following to offer Bajaj Allianz General Insurance Company Ltd. :

Set up and running of General insurance operations New and improved international products One of the world's leading insurance companies More than 700 subsidiaries and 2 lac employees in over 70 countries worldwide Provides insurance to almost half the Fortune 500 companies Technology .

Visit Allianz SE website www.allianz.com Other similar businesses The promoters have also incorporated a Life insurance Company in India, called Bajaj Allianz Life Insurance Company Limited to provide life insurance solutions.

Why Bajaj Allianz ?

The Bajaj Allianz Difference

Business strategy aligned to clients' needs and trends in Indian and global economy / industry Internationally experienced core team, majority with local background Fast, decentralised decision making

Long-term commitment to market and clients

Trust At Bajaj Allianz, we realise that you seek an insurer whom you can trust. Bajaj Finserv Limited ,is a part of Bajaj group ,which is a trusted name for over 55 years in the Indian market and Allianz SE has over 110 years of global experience in financial services. Together we are committed to provide you with time tested and trusted financial solutions that provide you all the security you need for your investments. And more.. Underwriting Philosophy Our underwriting philosophy focuses on :

Understanding the customer's needs Underwriting what we understand Meeting the customer's requirements Ensuring optimal coverage at lowest cost

Claims Philosophy The Bajaj Allianz team follows a service that aims at taking the anxiety out of claims processing. We pride ourselves on a friendly and open approach. We are focused towards providing you a hassle free and speedy claims processing. Our claims philosophy is to :

Be flexible and settle fast Ensure no claim file to be seen by more than 3 people Check processes regularly against the global Allianz OPEX (Operational Excellence) methodology Sold over 1 million since inception.

Customer Orientation At Bajaj Allianz, our guiding principles are customer service and client satisfaction. All our efforts are directed towards understanding the culture, social environment and individual insurance requirements - so that we can cater to all your varied needs. Experienced and Expert Servicing Team We are driven by a team of experienced people who understand Indian risks and are supported by the necessary international expertise required to analyse and assess them. Service engineers located in every major city Superior Technology

In order to ensure speedy and accurate processing of your needs, we have established world class technology, with renowned insurance software, which networks all our offices and intermediaries Using the Web, policies can be issued from any office across the country for retail products Unique, user friendly software developed to make the process of issue of policies and claims

settlement simpler (e.g. online insurance of marine policy certificate) Unique Forms of Risk Cover

Special PA cover for Amarnath Yatris Film insurance Event management cover Sports & Entertainment Insurance Package

Risk Management- Our Expertise Our service methodology is tried, tested and Proven the world over and involves:

Risk identification: Inspections Risk analysis: Portfolio review and gap analysis Risk retention Risk Transfer: To an insurer as well as reinsurer (as required) Creation of need based products Ongoing dialogue and proactivity

Financial Highlights

Particulars

2007-08 Rs. Million 25780 17526 14154 -9457 188 -5195 -210 1896 -7 1679

2006-07 Rs. Million 18033 10398 8385 (5556) 786 (3454) 254 895 21 1170

2005-06 Rs. Million 12846 6987 5864 (4100) 622 (2156) 230 520 68 818

2004-05 Rs. Million 8,560.7 4,792.9 3,709.2 (2,263.3) 419.4 (1,455.9) 409.4 388.8 28.6 769.6

2003-04 Rs. Million 4,798 2,864 2,306 (1,542) 231 (984) 11 285 22 318

Gross Written Premium Net Written Premium Net Earned Premium Net Incurred Claims Net Commissions Management Expenses Underwriting Results Income from Investments Others Profit Before Tax

Provision for Tax Profit After Tax Claim's Ratio Commission Ratio Management Expenses Ratio Combined Ratio Return on Equity Shareholder's Equity Assets Under Management Number of Employees

623 1056 67% -1% 36% 102% 23% 5748 18632 3603

(417) 754 66% -9% 41% 98% 22% 4116 13004 2540

(303) 516 70% -11% 37% 96% 23% 2,767 7580 1371

(298.7) 470.9 61% -11% 40% 90% 34% 1,824.1 5835.5 924

(101) 217 67% -10% 42% 99% 20% 1,380 3,486 480

Received IRDA Registration in May 2001

Wednesday, February 07, 2001

Bajaj Allianz JV submits insurance application

Bajaj Allianz General Insurance, a joint venture between Bajaj Auto Ltd and Allianz AG of Germany, has submitted its application to the Insurance Regulatory and Development Authority of India (IRDA) to start general insurance business in India. In the Asia-Pacific region Allianz already has presence in 17 countries. The joint venture has plans to provide products like motor, property, rural, engineering and health insurance. Besides general insurance, the joint venture will also enter the life insurance business in the near future. CMD of Bajaj Auto Rahul Bajaj said, "We are looking forward to our foray into the insurance market. With the combined strengths of Allianz and Bajaj, we aim to become a leading force in the Indian insurance market". Michael Diekmann, board member of Allianz, said, "Bajaj has an established brand synonymous with quality and customer focus and we are looking forward to successful and mutually beneficial partnership. We intend to provide the Indian customers with products and services backed by our world-wide knowledge of insurance".

Types Of Product
1.

Features

Assured best deals on your Motor Insurance Fair and Faster claims settlement Discounts on back to back accident free years Instant online renewal and issuance of your Motor Policy Quick service on breakdown/accident with instant claim status updates 24x7 customer assistance for all product queries and claims information. Call me now

Benefits

Save on your Motor Insurance policy. Buy Online Now Cashless claims at over 1500 Preferred Bajaj Allianz workshops pan India, 75% on account payment when cashless facility is not available Transfer your existing No Claim Bonus from any Insurance provider ranging from 20% - 50% 0% EMI option available on payment through Citibank Credit Card. Buy Online Now Instant claims assistance and instant updates on your claim status on sms though our 24x7 call centers Towing facility in an event of a breakdown/accident 24/7 service by phone or online-even on holidays

Advantages

Huge savings with a comprehensive coverage for your vehicle Preferred workshops give you access to hassle free inspection, high service standards and cashless settlement of claims in event of an accident/breakdown Carry your fortune for being a safe driver and earn discounts on Own damage premium for back to back accident free years on an existing car or on any car which you upgrade to Instant online policy renewal and issuance in just 4 easy steps that allows you to have a peace of mind for another year. Buy Online Now Bajaj Allianz can get you back on the road quickly. Our claims service is available 24x7 and in FY 06'-07', we resolved 2.3 lakh motor claims worth over 294 crores With a 24x7 assistance you can be sure we'll be there for you whenever you need us

2. Asset Insurance
A.]

At Bajaj Allianz we do not insure houses, we insure homes. For you your home is the most valued possession, a haven of safety. But is it really as safe as you believe it We at Bajaj Allianz value your security & peace of mind. Hence we bring to you the House- Holders' Insurance policy designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property and interests of the insured and his family members who permanently reside with the insured.

Coverages

1. 2.

Fire & allied perils Burglary & TheftJewellery & Precious Items Plate Glass Domestic Appliances Electronic equipment Pedal Cycles Baggage Insurance Personal Accident Cover

Building & contents - Covers not only property, but also contents. Covers loss of house hold contents and expenses Incurred due to damage caused on incidence of house-breaking & theft. All risk coverage for jewellery and precious stones. Coverage against accidental breakage of glass. Covered against any electrical or mechanical breakdown. All risk coverage All risk coverage with a third party liability extension. Covers loss of baggage while traveling. Coverage for the insured and his family for any death or disability Covers any injuries or damages caused to third parties. Covers workmen whom you have employed on wages.

3. 4. 5. 6. 7. 8. 9.

10. Public Liability 11. Workmen's Compensation

Advantages

Single policy covering all risks related to home Complete coverage at reduced and very competitive premium rates Simple and quick documentation Related items get covered under respective sections No strain on pockets of insured Customized cover option available Benefits on sectional discount which will reduce the premium.

B.] Shop / Show Room Insurance

i. SHOP INSURANCE ENSURING SMOOTH FLOW OF YOUR BUSINESS

SHOPKEEPERS PACKAGE : We at Bajaj Allianz strongly believe that your shop is not only your most valued asset but also your source of income. Hence, we have brought to you the Shopkeepers Package Policy. This policy protects your shops against all risks.

Features

Fire & Allied Perils -Provides protection for the property and interests of the insured against fire, burglary, theft or any fortuitous event Covers breakdown of office equipment Workmens Compensation-covers liability towards workmen under the Workmens Compensation Act. Covers Business Interruptions suffered due to fire and allied perils Fidelity Guarantee Provides protection against fraudulent and dishonest employees Covers money carried to the bank, plate glass, neon sign and other electronic equipment in the shop Covers for damage to data media, software and cost of recovery of lost data Personal Accident insurance provided for you and permanent employees

Advantages

Single policy covering all risks in a shop. Complete coverage at lower premium Simple documentation Covers for unanticipated loss Saving on costs Smooth functioning of the business One stop shop / solution for the clients business related needs.

ii. Motor Vehicle Dealers Package

How many times do you feel insecure when it comes to the safety of your garage or, your showroom, especially when you are the custodian for your customers vehicle's? There are various risks that your showroom and garage are exposed to. How do you cope with the losses if they occurs? To make you feel secure and safe Bajaj Allianz offers you the Motor Dealer Package Policy. Features

Fire & allied perils - Building and Contents (excluding Valuables) Burglary & Robbery Damage to Motor Vehicle Neon Sign / Glow Sign Business Interruption Breakdown of Business, Equipment Money Plate Glass Electronic Equipment Fidelity Guarantee Personal Accident Omission to Insure Additional Rent Public Liability / Workmen's Compensation

Benefits

Cashless settlement of repair claims are preferred garages Immediate receipt of policies Hassle free documentation and inspection procedure

Advantages

Standardies labour costs Highest standards of services Quick settlement of major losses such as theft / total loss Speedy claim settlement

3. Health Insurance
The worst nightmare that anyone can have is the one when a family member is hospitalized. Today, when everything is uncertain nobody can be sure what will happen. A seemingly small ailment can turn into major one. And what happens when the earning member of your family is hospitalized? But with a policy from Bajaj Allianz you and your family can rest assured!

A.] HEALTH GUARD -COVERS ALL MEDICAL EXPENSES ON HOSPITALISATION

It is rightly said Health is Wealth. We are all aware that health care costs are high and getting higher. At times, unfortunately we fall prey to unanticipated accidents & illness. Bajaj Allianz promises to stand by you during those difficult times of physical and mental stress. Our Health Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses. We are the first company to provide the higher coverage of SI 10 lacs.

Features

The member has cashless facility at over 2400 hospitals across India The member can opt for hospitals besides the empanelled ones, in which the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents. Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization. Cumulative bonus of 5 % is added to your sum assured for every claim free year. Family discount of 10 % is applicable. Covers ambulance charges in an emergency subject to limit of Rs. 1000 /No tests required up to 45 years up to SI 10 lacs* 10% co- payment applicable if treatment taken in non-network hospitals. Waiver of copayment is available on payment of additional premium Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz

Benefits

In house Health Administration Team for hospitalisation claims to lower turn around time Access to over 2400 hospitals all over India for cashless facility. No Sub-limits applicable on room rent and other expenses. Hassle-free claim settlement due to In-house claim administration. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law. Health Check up for maximum amount of Rs. 1000 /- at the end of continuous four claim free years Family discount of 10% is applicable

Coverage

10 lacs coverage available from 3 months up to 55 years* Policy can be renewed up to 70 years* In built E-opinion cover for SI 5 lacs & above.

*conditions apply.

B.]
HOSPITAL CASH - COVERS NON-MEDICAL EXPENSES DURING HOSPITALISATION With a Hospital Cash policy from Bajaj Allianz you and your family can now breathe a sigh of relief! As this is a benefit policy which covers the incidental expenses incurred during the Hospitalization period. In the event of hospitalization this policy provides a cash allowance of Rs 500-2500 for each day of hospitalization.

Features

The policy pays a daily allowance as a fixed benefit on hospitalisation The Policy can be taken along with any other health insurance policies. The allowance is doubled in case of ICU admission (for maximum 7 days) Photocopy of discharge card, along with copies of reports, bills and prescriptions required for claims processing. The policy can be taken along with any other health insurance policies It is a unique policy covering incidentals or miscellaneous expenses incase of hospitalisation.

Benefits

Covers miscellaneous expenses incurred during hospitalization. Comprehensive coverage with nominal premium. Premium amount upto Rs.15000/- p.a. is eligible for tax exemption under section 80-D of Income Tax Act as per existing IT law. Dependent spouse and children can be also covered under this policy. 5% family discount is applicable if cover taken for family

Coverage

SI available from 500-2500. Cover available for 30days & 60 days.

C.]
CRITICAL ILLNESS - GUARANTEED LUMP SUM PAYMENT ONCE ONCE DIAGNOSED OF CRITICAL ILLNESS Critical illness policy provides protection from the life threatening illness, which can hamper your routine life style. With a critical illness cover you can secure yourself from such contingencies. This is a benefit policy which pays the SI as lump sum amount once you are diagnosed with one of the listed critical illness*

Cancer Multiple Sclerosis Paralysis Coronary Artery Bypass Surgery Major Organ Transplant

Primary Pulmonary Arterial Hypertension. First Heart Attack Stroke Kidney Failure Arota Graft Surgery

Features

Covers 10major illnesses like cancer, heart attack, paralysis, etc.

The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis* Medical examination may be required in some cases based on the age and the benefit amount opted by the propose.

Benefits / Advantages

Very competitive premium rates The insured receives the amount as lump sum so that he can plan the treatment accordingly Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover Premium paid is exempt under the section 80 D of Income Tax Act as per existing IT laws. Hassle-free in house claim settlement.

Coverage

SI available from 1,00,000 to Rs. 50,00,000 Age band 6 yrs 59 Years.

* Conditions apply.

D.]
CRITICAL ILLNESS - GUARANTEED LUMP SUM PAYMENT ONCE ONCE DIAGNOSED OF CRITICAL ILLNESS Critical illness policy provides protection from the life threatening illness, which can hamper your routine life style. With a critical illness cover you can secure yourself from such contingencies. This is a benefit policy which pays the SI as lump sum amount once you are diagnosed with one of the listed critical illness*

Cancer Multiple Sclerosis Paralysis Coronary Artery Bypass Surgery Major Organ Transplant

Primary Pulmonary Arterial Hypertension. First Heart Attack Stroke Kidney Failure Arota Graft Surgery

Features

Covers 10major illnesses like cancer, heart attack, paralysis, etc. The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis*

Medical examination may be required in some cases based on the age and the benefit amount opted by the propose.

Benefits / Advantages

Very competitive premium rates The insured receives the amount as lump sum so that he can plan the treatment accordingly Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover Premium paid is exempt under the section 80 D of Income Tax Act as per existing IT laws. Hassle-free in house claim settlement.

Coverage

SI available from 1,00,000 to Rs. 50,00,000 Age band 6 yrs 59 Years.

* Conditions apply.

E.]
SILVER HEALTH POLICY - EXCLUSIVE HEALTH INSURANCE FOR PEOPLE AGED 46YRS AND ABOVE As the age of an individual increases the health care costs increase & become a burden on the individual. The senior citizens have to pay out the hard earned savings to meet the expenses. Bajaj Allianzs Silver Health plan is exclusively designed for the senior citizens, which covers medical expenses incurred during hospitalization period.

Features

Pre-existing diseases covered from the second year of the policy. A flat benefit of 3% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses. Cashless facility : With Silver Health plan, the member has access to cashless facility at various network of over 2400 hospitals across India (subject to exclusions and conditions) If admission in non-network hospitals the expenses incurred would be reimbursed within 14 days from the submission of all documents. 20% of co-payment of the admissible claim to be paid by the member if treatment is taken in a hospital other than a network hospital. Waiver of co-payment is available on payment of additional premium.

Advantages

Cumulative bonus of 5 % added to your sum assured for every claim free year. Health Check up at the end of continuous four claim free years. Family discount of 5 % is applicable. Income tax benefit on the premium paid as per section 80-D of the Income Tax Act as per existing IT law.

Coverage

Policy can be taken form 46-70yrs * Renewal up to 75 yrs* SI can be opted form 50,000 5, 00,000.

*Conditions apply.

F .]
e-opinion Bajaj Allianz launches e-opinion rider, which will cover the expenses of 2nd opinion e-consultation services for serious illness in India. The policy offers unprecedented access to over 7000 physicians employed by the renowned hospitals of the WorldCare Consortium. This innovative e-opinion rider gives you an opportunity to obtain best of international expertise at a fraction of the cost.

Features

Anyone taking this plan is entitled to take a second opinion should there be any illness and an expert consultation is required. This rider entitles you to have a 2nd opinion from renowned hospitals of the WorldCare consortium of hospitals like Clevland Clinic, Duke University, Massachusetts General Hospital, Brigam and Women's Hospital. Qualified physicians from these renowned hospitals will render a written report which includes a diagnosis and treatment plan within 7 working days .

Benefits

Simple process of sending medical reports in digitized form to WorldCare consortium. This product provides independent, world class opinions which will enable the attending doctor and the patient to take informed decisions on the diagnosis and the further course of action. Three opinions are available per year of coverage and 6 opinions in case it is renewed continuously.

Advantages

Valuable 2nd opinion at nominal cost without physically visiting these renowned hospitals. Opinions for major critical illnesses Access to over 7000 physicians employed by the renowned hospitals of the WorldCare

Consortium.

G.]
STAR PACKAGE - COVERS HEALTH & HOME IN A SINGLE PLAN Star Package policy is a unique family floater policy which protects your family against various risks and contingencies. It provides a gamut of covers for various health risks, household contents, education grant, travel baggage and public liability all under a single policy. It has 8 sections and you would have to opt for a minimum 3 sections to avail for this policy.

Features

Covers Hospital Cash, Health Guard, Critical Illness, Personal accident, Education Grant, Householders contents, Traveling Baggage & Public liability. Family floater can be opted by paying 50% & 25% of self premium for spouse & children respectively. Add on covers can be opted under Health Guard. 12 Dreaded diseases are covered under Critical illness. The policy can be taken for maximum 3 years to avoid yearly renewal. 10-15% section discount can be availed if 4 or more sections are opted. 10-15% Long term discount can be availed if the policy is taken for 2 or more years.

Benefits

Wide coverage from Health to Home. Access to over 2400 hospitals all over India for cashless facility. No Sub-limits applicable on room rent and other expenses. Hassle-free claim settlement due to In-house claim administration Income tax benefit on the premium paid as per section 80-D of Income Tax Act* as per existing IT law

* Conditions apply. Coverage

Age 3 Months 55 years. Wide range of Sum Insured is available under different cover Products Hospital cash Sum Insured 500 to 2500

Health Guard Critical illness Personal Accident Education Grant House Holder Content Traveling Baggage Public Liability

100000 to 500000 100000 to 300000 200000 to 500000 200000 to 500000 100000 to 400000 10000 to 40000 200000 to 500000

H.]
Health Ensure In the times of rising medical costs Bajaj Allianzs Health EnSure policy is the perfect health protection for you and your family. It takes care of the medical treatment costs incurred during hospitalization due to serious accident or illness.

Features

Pre-existing diseases covered after 2 yrs continuous renewals with us. A flat benefit of 2% of admissible hospitalization expenses are paid towards pre & post hospitalization expenses. Access to 2400 hospitals for Cashless facility In case of admission in non network hospitals the expenses incurred would be reimbursed within 14 days from the date of submission of all documents

Advantages

No tests required up to the age of 55 yrs* Health Check up at the end of continuous four claim free year 130 day care procedures covered In case of emergency ambulance charges covered subject to a maximum of Rs. 1000 /- per policy period. Hassle free claim settlement due to in house claims administration team Family discount of 5 % is applicable Income tax benefit on the premium paid as per section 80-D of the income Tax Act.

Coverage

Policy can be taken from 3 months to 55 yrs * Renewal up to 75 yrs* SI - 50,000, 75000, and 1 lac.

* Conditions apply.

I.]
INSTA INSURE - FAMILY HEALTH POLICY In the times of rising medical costs Bajaj Allianz's Insta Insure Family Health Policy is the perfect health protection for you and your family. It takes care of the medical treatment costs incurred during hospitalization due to serious accident or illness. The policy also pays an amount equivalent of 2 % of admissible hospitalization expenses towards pre and post hospitalization medical expenses and ambulance charges in case of emergency (subject to a maximum of Rs1000). The proposer (self insured) under the policy is also covered for a sum insured of Rs1lac against death due to accident 3 easy steps Select your desired insurance plan Pick the Kit to fill the proposal form Pay your Premium by Cheque/Card/Cash and get insured

Features

A single family floater policy to cover hospitalization expenses & personal accident benefit Hassle free policy, Health & PA cover for Healthy individuals without any history of preexisting diseases. The cover starts once the KIT is activated by generating the authentication number Entry age restricted upto 45 yrs and no medical underwriting( Subject to clean proposal) Policy can be renewed till proposer attaining an age of 70 yrs Access to over 2400 hospitals for cashless facility

Benefits

Complete protection to the family for hospitalization expenses All the family members can be covered under a single SI for a single premium ( Floater Cover) Death cover for the proposer. Hassle free policy issuance without medical tests Income tax benefit on the premium paid as per section 80D Covers emergency ambulance charges

Coverage

1 lac family floater cover towards Hospitalization expenses & 1 lac death cover for the

proposer The policy covers ambulance charges in case of emergency subject to a maximum of Rs 1000 130 day care procedures subject to terms and conditions Pre-existing diseases covered after 4 years continuous renewals with us A flat benefit of 2% of admissible hospitalization expenses towards pre and post hospitalization medical expenses

Eligibility

Age of proposer 18 years to 45 years Age of entry 3 months to 45 years Policy renewed continuously upto age 70 years No pre existing ailment

Premium Self Self + Spouse Self + Spouse + 1 Child Self + Spouse + 2 Children Rs.1,550 Rs.2,050 Rs.2,300 Rs.2,550

Activation process There are three ways to Activate the Kit : 1) Activate KIT through SMS Here user will send an SMS to 9223055858 in the following format <<OTC>> space <<10digit mobile number of the client>> space <<kit number>> space <<self name of the client/proposer>> space <<Health Card number>> System shall activate the Kit number and send a reply SMS with the activation code to the following mobile numbers: 1. Reply to the same mobile number from where request originated 2. Reply to the mobile number mentioned in the SMS 3. Reply to the Relationship Manager 2)Activate Kit through Calling the Call centre

Distributor (IMD) can call to our Call Centre or Branch Office and give following details and Activate the KIT a) KIT Number b) Health Card No c) Customer Name d) Customer Mobile No e) Caller's Mobile No After activation system shall send a SMS with the activation code to the following

mobile numbers

To To To To

the the the the

customer mobile number Relationship Manager mapped to the distributer for the sold KIT caller's mobile no (Mobile No. from where the request come for KIT Activation) distributor's mobile no.

3) Activate Kit through Calling up the nearest office

Distributor (IMD) can call to our Call Centre or Branch Office and give following details and Activate the KIT a) KIT Number b) Health Card No c) Customer Name d) Customer Mobile No e) Caller's Mobile No After activation system shall send a SMS with the activation code to the following mobile numbers: To the customer mobile number To the Relationship Manager mapped to the distributer for the sold KIT To the caller's mobile no (Mobile No. from where the request come for KIT Activation) To the distributor's mobile no.

4. Travel Insurance
Whether you travel for business or pleasure, international travel involves risk.Medical treatment abroad can be expensive & one never knows, when one would require it. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel companion is designed to help you deal with such situations while overseas travel.

A .]
Travel Companion

Traveling Overseas ? Whether you travel for business or pleasure, international travel involves risk. Medical treatment abroad can be expensive & one never knows, when one would require it. Having to spend for medical bills in foreign currency can be an expensive proposition. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel companion is specially designed to help you deal with situations while overseas travel.

Features

Covers medical expenses and repatriation Covers for any delay or loss in baggage Provides student package for students traveling abroad for abroad for studies Family floater available

Benefits

Spend for medical bills in foreign currency Takes care of sudden and unforeseen expenditure Takes care of expenditures in foreign land away from home Convenient and hassle free trip for the family

Advantages

Provides financial support outside the country Can take care of any emergency purchases in case of loss / delay in baggage Covers for accident of sponsor travel of family visit in case of hospitalization of insured. Entire family can be covered under one policy

B .]
Student Companion

What does this Policy cover? This Policy consists of the following sections:

Personal Accident -covering death and permanent disablement Medical Expenses and repatriation - covering hospitalisation expenses arising out of illness/sickness and also repatriation expenses for sending mortal remains to India Loss of checked baggage - covering total loss of baggage checked by an international airline Tuition Fee - In the event of the insured unable to continue the school semester due to any of the following reasons arising during the policy period, the Company shall reimburse the tuition fee paid in advance for the current semester, subject to maximum the limit shown in the schedule: A. Serious medical condition of the insured requiring hospitalization covered under the policy B. Death or serious injury requiring hospitalization of either of the parents of the insured Accident To Sponsor -In the event of the sponsor named in the schedule meets with an accident during the policy period, which results in his death or permanent total disability during the policy period, the Company shall reimburse the remaining school fee subject to maximum the limit shown in the schedule. Family Visit-In the event of the insured become hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician advises the necessary attendance of a Family Member of the Insured, the Company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured. For this purpose, family member shall mean spouse, parent, sibling and in laws of the insured. Personal Liability - covering legal liability attaching in a private capacity during the course of overseas travel. This coverage is also subject to the exclusions of Personal Accident and Medical Expenses sections of the policy.

Following are the Plans- All Coverage's in USD Coverage Family Visit Loss Of Baggage Medical Expenses Personal Acciden Personal Liabili Accident to Spon Tuition Fee Standard USD 7500 USD 1000 USD 50000 USD 50000 USD 100000 USD 10000 USD 10000 Silver USD 7500 USD 1000 Gold USD 7500 USD 1000 Deductibles NIL USD 100

USD 100000 USD 200000 USD 100 USD 50000 USD 50000 NIL

USD 100000 USD 100000 USD 200 USD 10000 USD 10000 USD 10000 USD 10000 NIL NIL

C .]

Travel Asia

Travel Asia Flair Travel Asia Flair has a premium that varies from Rs 250 to Rs 475 for 1-4 days of coverage and age up to 40 years. The coverage is about $15,000.

TRAVEL ASIA - FLAIR

PREMIUM Period/Age 15-21 days 22-30 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 8-14 days 1-4 days 5-7 days 8-14 days 15-21 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 22-30 days 6m-40yrs 379 423 290 223 422 379 334 290 223 423 379 334 290 223 334 223 290 334 379 423 379 334 290 223 423 379 334 290 223 431 386 340 422 41-60yrs 295 489 290 290 340 334 334 334 386 379 379 379 431 423 423 422 499 490 490 290 41-60yrs 476 801 467 466 522 513 513 512 635 623 623 622 726 713 713 712 817 802 802 467 Cover

TRAVEL ASIA - FLAIR

PLAN DETAILS Limit 15000 100 200 200 100 7500 10000 Deductible 50 0 0 0 15 0 100 Medical Expenses,Evacuation and Repatriation Delay of Checked Baggage Hijack Loss of Checked Baggage Loss of Passport Personal Accident Personal Liability

1-4 days 5-7 days

227 295

Travel Asia Supreme Travel Asia Supreme's premium ranges from Rs 325 to Rs 650 for 1-4 days of coverage and age up to 40 years. The coverage is about $25,000.

TRAVEL ASIA - SUPREME

PREMIUM Period/Age 15-21 days 22-30 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 8-14 days 1-4 days 5-7 days 8-14 days 15-21 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 15-21 days 8-14 days 5-7 days 1-4 days 22-30 days 6m-40yrs 513 579 356 290 578 512 462 356 290 579 513 463 356 290 463 290 356 462 512 579 513 463 356 290 579 513 463 356 290 590 41-60yrs 363 622 356 356 408 401 401 401 522 513 513 512 590 579 579 578 635 623 623 356 41-60yrs 544 1158 534 533 635 623 623 622 749 735 735 734 966 948 948 947 1180 1159 1159 534 Cover

TRAVEL ASIA - SUPREME

PLAN DETAILS Limit 25000 100 200 200 100 7500 10000 Deductible 50 0 0 0 15 0 100 Medical Expenses,Evacuation and Repatriation Delay of Checked Baggage Hijack Loss of Checked Baggage Loss of Passport Personal Accident Personal Liability

15-21 days 8-14 days 22-30 days 1-4 days 5-7 days

522 472 578 295 363

* The plan is valid for all Asian countries except Japan. * Period of Travel not to exceed 30 days * No extension to be granted if period of Travel exceeds 30 days

D .]
Travel Elite Bajaj Allianz General Insurance has recently launched an exclusive policy for high end travellers called Travel Elite- a cluster of benefitspolicy made for the specific customer group. Travel Elite is a plan for high end travellers who have various plans and packages to choose from : Travel Elite,Travel Age Elite,Travel Corporate Elite,Student Elite,Travel Asia Elite,Travel Elite Family.

Features

Covers personal accident and disability, medical expenses and repatriation Compensation in addition to sum insured under personal accident during the course of journey Covers for loss or delay of checked baggage and loss of passport Compensates for trip delay, curtailment and cancellation and pays when aircraft is hijacked Direct settlement for in-hospital medical expenses abroad Covers for home burglary Reimburses expenses during Golfer's Hole-in-one celebration

Benefits

Take care of expenditure in foreign lands currency Ensures convenient and hassle free trip for the family Help in sudden and unforeseen expenditure Speed for medical bills in foreign currency

Advantages

Covers cost of emergency purchase of replacement items during delay in checked baggage Can take care of any emergency purchases in case of loss / delay in baggage Customised to the needs of high-end customers

Provides financial support outside the country

E .]
Travel Assist Bajaj Allianz General Insurance along with ASSIST CARD a Swiss company has launched a cobranded travel insurance product called TRAVEL ASSIST . The product has all the benefits of the exisitng travel insurance products plus several value-added services to quality-sensitive customers .

Features

Medical assistance in case of an emergency Covers Personal Accident ,Medical Expenses & Medical Evacuation & Repatriation Loss & delay of Checked Baggage Covers pre-existing medical conditions Convalescence after hospitalisation

Benefits

Guaranteed cashless assistance even for minor medical expenses Accidental death benefit coverage Personal and legal assistance Tracking of lost luggage More than 3000 experts ready to assist you One of the largest house call doctor networks in the world Concierge services 24 x 7 alarm centres in more than 100 countries to provide assistance

Advantages

Takes care of medical bills in foreign currency Takes care of sudden and unforeseen expenditure Convenient and hassle free trip for the family Inhouse claim settlement team to lower turn around time

F .]
Swades Yatra Travelling has become very frequent be it for business or leisure.The risk of accidents increase due to freqency of travel.Any accident would affect your finances either due to medical expenses

incurred or loss of income to the family due to unfortunate circumstances like death or disability. Swades Yatra is a comprehensive package policy for domestic travellers which provides complete personal accident benefit cover including hospitalisation expenses as a result of accident.

Features

Covers Personal Accident including hospitalisation as a result of accident Medical evacuation & repatriation Accidental Hospital cash benefit Personal liablity benefit Accomodation charges at hotels due to trip dealy of rail/air journey Loss of ticket of rail/air Family transportation incase of visit to hospital Replacement of staff for business trip only Missed departure for air/rail

Benefits

Takes care of any emergency purchases in case of loss of ticket Covers for accident of sponsor travel of family visit in case of hospitalization of insured

Advantages

Provides financial support 24 x 7 assistance Inhouse Claims team to lower turn around time

5. Corporate
You put your hard earned money into your business. We have a range of products to secure your business against all risks.

A.]

In order to take care of special needs like Aviation, Marine Hull, Project Insurance, Freight Forwarders, Port Liabilities, Film Insurance...

i. Aviation

Backed by one of the largest Aviation insurers in the world Global expertise Flexible approach to meet the customers requirements Fast claims settlement We write Airlines General Aviation Fixed Wing Helicopters Airport Liability Loss of License for Pilots Crew insurance Combines one of the most knowledgeable teams of aviation insurance professionals with the industry's most respected aviation insurance companies At Bajaj Allianz, we realize that every customer's aviation insurance requirements are unique. Our customers can be certain that their coverage is carefully tailored and customized to their specific needs.

Bajaj Allianz has the capability, commitment, and resources to handle all of your aviation insurance requirements - from single engine aircraft to major airports - and everything in-between.

ii.
Marine Hull Insurance

Marine Hull insurance in India is tariff business

Bajaj Allianz specializes in the following under Marine Hull Business

Ocean Going Vessels Coastal Vessels Inland Vessels Yachts and Pleasure Crafts Port Crafts Ship Building Charter's Liability We currently participate on the insurance of some of the largest fleets in India We insure a large number of Coastal and Inland vessels We have an experienced and dedicated team to manage this line of business We are proactive in claims settlement We are backed by one of the strongest hull insurers in the world - Allianz We leverage the global expertise of Allianz

iii.
Project Insurance

In Project Insurance we cover following

Contractors All Risk Insurance Policy

Erection all risk / Storage-cum-erection policy Contractor's Plant and Machinery Policy

Contractors All Risk Insurance Policy Scope of Cover Covers civil construction projects, such as residential / commercial buildings, theatres, factory sheds, warehouses, roads, bridges, dams, reservoirs, tunnels, oil / gas pipelines, water / sewage disposal works, etc. Perils covered

Fire & Allied Perils Flood, Storm, Tempest, Cyclone Earthquake, Fire & Shock Collapse Water Damage for Wet Risks

Sum Insured The Sum Insured shall include landed cost at site of imported / indigenous materials, construction cost (including visits of specialists / experts, supervision charges). It is the completely erected value of property inclusive of freights, custom duty, erection cost adjusted to fluctuations in wages / prices. Premium Rate The Premium Rate is based on the type of project, nature of construction period of project, EQ Zone and voluntary excess.

Extensions

Breakage of Glass Storage Risks at Fabricators premises /workshop

Sites located in EQ Zones I & II Clearance & Removal of Debris Third Party Liability Surrounding Property Escalation Express Freight Holiday & Overtime Rates for wages Air Freight Additional Custom Duty Construction, Plant & Machinery Maintenance Visits and extended Maintenance cover

Exclusions

War & Nuclear Risks Willful Act / Negligence Partial / Total cessation of Work Normal wear & tear Gradual deterioration due to atmospheric conditions Loss or damage due to faulty design Contractual liabilities Consequential Losses Cost of replacement / repair or rectification of defective material and/or workmanship

Erection All Risk Erection All Risk / Storage-Cum-Erection Policy Scope of Cover This policy covers All Risk pertaining to projects of Erection, Testing and Commissioning subject to the following exclusions and conditions Extensions

Express freight (excluding air freight), holiday and overtime rates of wages Air Freight Additional customs duty Contractor's Plant and Machinery equipment upto sum insured of Rs.25 lacs or 5% of EAR/SCE sum insured, whichever is lower

Premium for periods beyond policy period and discounts/loadings on them based on claims experience. Testing period extensions Delay in start up (DSU) / Advanced Loss of Profits (ALOP) covers Storage risks at the fabricators premises/workshop unless specifically covered for Custom duty unless specifically covered for Expenses towards clearance and removal of debris unless specifically covered for Third party liability covers beyond limits stipulated vide section 14-A of tariff Cross liability, civil works, surrounding property coverages unless specifically covered for Escalation beyond 50% of EAR/SCE sum insured Surrounding property excludes construction /erection machinery, plant and equipment

Exclusions

War and Nuclear group of perils Wilful act / negligence Loss discovered at time of taking inventory Normal wear and tear; Gradual deterioration due to atmospheric conditions or otherwise, rust Scratching of painted or polished surface, Breakage of glass Loss or damage due to faulty design, defective material or costing and bad workmanship (limited to items immediately affected) Cost of rectification or correction of any error during erection not resulting in physical loss or damage Damage to files, drawings, accounts and bills etc. Penalties for non-fulfilment of contractual obligations Consequential losses Aesthetic defects Operational deficiencies Costs of any alterations, additions and/or improvements after a claim Contractor's Plant and Machinery loss or damage by its own explosion/mechanical electrical breakdown/derangement Exclusions for Third Part Liability (1) Excess as per policy (2) Property covered in material damage (3) Employees and their family members and property of principal / contractor/sub-contractor (4) Accidents caused by road, water and airborne vehicles (5) Contractual liabilities

Erection All RiskPlant Erection All Risk / Storage-Cum-Erection Policy

Scope of Cover This policy covers All Risk pertaining to projects of Erection, Testing and Commissioning subject to the following exclusions and conditions

Extensions

Express freight (excluding air freight), holiday and overtime rates of wages Air Freight Additional customs duty Contractor's Plant and Machinery equipment upto sum insured of Rs.25 lacs or 5% of EAR/SCE sum insured, whichever is lower Premium for periods beyond policy period and discounts/loadings on them based on claims experience. Testing period extensions Delay in start up (DSU) / Advanced Loss of Profits (ALOP) covers Storage risks at the fabricators premises/workshop unless specifically covered for Custom duty unless specifically covered for Expenses towards clearance and removal of debris unless specifically covered for Third party liability covers beyond limits stipulated vide section 14-A of tariff Cross liability, civil works, surrounding property coverages unless specifically covered for Escalation beyond 50% of EAR/SCE sum insured Surrounding property excludes construction /erection machinery, plant and equipment

iv.
Sports and Entertainment

Introduction

The Sports and Entertainment industry has grown to over rupees 62,000 crore in India. With this development has come a more professional and time-bound approach to doing business. A direct result of which is that more money is invested in even bigger and more diverse ventures. With higher investments comes increased risks; risks due to unforeseen occurrences, bad weather, accidents, human error, mismanagement, event cancellation, non appearance of celebrities etc. But now Bajaj Allianz's presents customised insurance cover for the Sports & Entertainment industry your safeguard against potential loss. Whatever venture you may undertake, be it film production, a musical concert, a cricket match or even a product launch, all your elaborate preparations and effort could be ruined by something unforeseen. You can't possibly anticipate everything that may go wrong, but you can surely and comprehensively protect yourself from loss by opting for this customised insurance cover. Now, with this customised insurance cover, whenever you embark on any venture, you can do so with complete assurance of a successful outcome. Bajaj Allianz will provide you peace of mind against all

contingencies, and make good the monetary losses should you suffer any from unexpected occurrences. The various customised covers for some of the specific sectors are Films and Television

Making a film involves heavy investment and consequently involves significant risk. With film production in India getting industry status, the burning need of the hour for production houses is insurance coverage. This insurance cover is tailor-made for all aspects of the film industry like:Films & documentaries Television serials Advertising films etc

Sports Tournaments

The policy provides specific coverage for sporting tournaments like:

Cricket Hockey Golf Athletics Football Swimming etc.

Events

With the advent of professional event managers there is now a more professional approach to the business of Event Management. Bajaj Allianz offers insurance covers for various events such as:-

Musical events Award ceremonies Product launches Fashion shows Exhibitions etc.

Scope of Coverage

The insurance coverage is highly customised to suit specific requirements. The basic coverage includes the following :-

Event Cancellation Cast Insurance* Extra Expenses* Film Negative* Fire (Allied Peril) Personal Accident Money (in transit & in safe) Hospital Cash Burglary

Public Liability

(*in case of films, television serial) Though these are suggested, the insurance covers can be enhanced or modified to suit specific requirements.

B.]

Your employees are your strength, you can take care of your employees with our Group policies like PA, Group HG, Group CI, Group Travel...

i.
Group Personal Accident : : This group Personal Accident Insurance covers

Death

We will pay the sum insured stated in the Schedule if death of the Insured or the insured person occurs within 12 calendar months due to an accident occurring during the policy period .
Permanent Total Disablement

We will pay up to 125 % of the total sum insured if the Insured or the insured person is injured due to an accident occurring during the period of insurance and within 12 calendar months of its happening, the Injury becomes the sole cause of permanent total disablement.
Permanent Partial Disablement

We will pay a proportion of the sum insured according to the scale of benefits if the Insured or the insured person is injured due to an accident occurring during the policy period and within 12 calendar months of its happening, the Injury becomes the sole cause of a permanent partial disablement.
Temporary Total Disablement

We will pay a weekly benefit as stated in the Schedule if the Insured or the insured person is

injured due to an accident occurring during the period of insurance and within 12 calendar months of its happening, the Injury results in the Insured or insured person being totally unable to attend his occupation as stated in the Schedule.
Children Education Bonus

In case of Death or Permanent Total Disability of Insured or the insured person we will pay an additional amount to the Insured's or the insured person's children to support their education. Additional Benefits Medical Expenses We will pay a percentage of the admitted claim under other specified coverage towards the actual medical expenses necessarily and reasonably incurred for medical treatment within 100 weeks of its happening if the Insured or the insured person suffers injury during the period of insurance and provided such treatment is received from a qualified and registered medical practitioner.
Hospital Confinement Allowance

In the event of the Insured or the insured person being confined in hospital for treatment of injury for which compensation is payable under this policy, a daily benefit is paid for such period of confinement subject to a maximum period of 30 days Classification of occupation Risk Class 1: You are mainly engaged in administrative or managing functions, Accountant, Doctor, Lawyer, Architect, Consulting Engineer, Teacher, Banker or primarily engaged in a similar occupation
Risk Class II:

You are engaged in manual labour, garage or motor mechanic, machine operator, paid driver of a car, a truck, a lorry or other heavy vehicles, cash carrying employee, woodworking machinist, or you are a Builder, Contractor, Engineer superintending functions, veterinary doctor, or engaged in a similar occupation.
Risk Class III:

You are working in underground mines, in explosive magazines or in electrical installations with high tension supply, or you are a Jockey, Circus personnel, engaged in racing wheels or horseback, big game hunting, mountaineering, winter sports, skiing, ice-hockey, river rafting, polo or in a similar activity or occupation. If your personal occupation is not mentioned above, please do not hesitate to ask for specific information.
Special notes:

The Policy can be issued to persons aged between 18 and 65. In case of children, they need to be aged between 5 and 19 to become eligible for coverage. The total sum insured is normally restricted to 70 times of Insured's monthly average earnings. The minimum premium is Rs.500 Scale of Benefits
Benefits Compensation as % of

the Sum Insured

Death Loss of sight on both eyes Loss of both hands Loss of both feet Loss of one hand and one foot Loss of one eye and one hand Loss of one eye and one foot Other total permanent disablement An arm at the shoulder joint An arm above the elbow joint An arm beneath the elbow joint A hand at the wrist A thumb An index finger Any other finger A leg above mid-thigh A leg up to mid-thigh A leg up to beneath the knee A leg up to mid-calf A foot at the ankle A large toe Any other toe An eye Hearing on one ear Hearing on both ears Sense of smell Sense of taste

100 125 125 125 125 125 125 100 70 65 60 55 20 10 5 70 60 50 45 40 5 2 50 30 75 10 5

In case of partial loss of one of these parts or sensory organs, we will pay a corresponding proportion. Should an accident affect parts, which are not mentioned here, then the payment depends on the degree of disability measured by a doctor on the panel of the Company.
General Exclusions:

Suicide, self-inflicted injury, pregnancy or childbirth, pre-existing physical or mental defects, infections, bleeding from inner organs, aviation other than as a passenger, motor rallies, war, civil war, terrorism or similar situations

ii.

Group Health Guard Health Care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? Most of the times we are unprepared for these difficult times, emotionally, as well as financially. Bajaj Allianz's Health Guard Policy, protects you and your family in case you need expensive medical care.It also offers you cashless benefit & medical reimbursement for hospitalisation expenses.

Features

Cashless Claim settlement with the network of hospitals Proposal and application made simpler Extended Pre and Post hospitalization period Combination with other health products -Hospital cash & Critical Illness Pre-existing disease waiver if continuously insured with us for last 4 years

Benefits

No strain on pockets of insured Complete health coverage Extended financial support Comprehensive coverage Easy and less time consuming

Advantages

Option of treatment without making payments, across several hospitals. Existing disease can also be covered. Expenses covered for a longer period. Covers other expenses too. Simple documentation

iii.
Group Critical Illness A Critical Illness plan means you can insure yourself against the risk of serious illness in much the same way as you insure your car and your house. It will give you the same security of knowing that

a guaranteed cash sum will be paid if the unexpected happens and you are diagnosed with a critical illness. The purpose of critical illness plan is to let you put aside a small regular amount now, as an insurance against all this happening. The statistics speak for themselves and if you become a part of them at least you will be sure that lack of money won't add to your problems. Bajaj Allianz, in its efforts to provide a customer centric solution is offering an insurance policy to cover to some of these critical illnesses like

Features

Very competitive premium rates Insured can opt for Sum Assured from 1,00,000 to Rs. 50,00,000 Premium paid is exempt under the Income Tax section 80 D The product is offered from 6 to 59 years Medical examination may be required in some cases based on the age and the benefit amount opted by the proposer.

Benefits

Easy availability of money to take care of the medical expenses All related expenses for treatment is covered Most in the family can be covered Frees insured of mental anxiety / stress during difficult times Comprehensive coverage with nominal expense

Advantages

The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis. The insured receives the amount as lumpsum so that he can plan the treatment accordingly Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover both in India & abroad Claims procedure : The insured needs to submit the claim from along with certificate from the specialist confirming occurrence of the critical illness.

iv.
Workmen's Compensation The Indian Workmen's Compensation Act 1923 provides for the payment of compensation by the employer to his employees (for their dependents in the event of fatal accidents) if personal injury is caused to them by accidents arising out of and in the course of their employment.

Features The maximum compensation payable is upon the following scale (as per W.C. Amendment Act 2000)

Fatal Injury - Rs.4,57,080 Permanent Total Disablement - Rs.5,48,496 Permanent Partial Disablement - According to incapacity caused Temporary Disablement - Rs. 2000 per month upto a period of 5 years

Bajaj Allianz General Insurance Company Limited policies give an employer any of the following two forms of cover : Indemnity against the Employers legal liability to his Employees under the Indian Workmen's Compensation Act 1923, and subsequent Amendments of the said Act prior to the date of issue of the policy, under the Indian Fatal Accidents Act, 1855, and at common Law. Indemnity against the Employers legal liability to his Employees under the Indian Fatal Accidents Act, 1855 and at common law. In addition, the company bears the costs and expenses incurred with its written consent in the settlement of claims.

Extension

The insurance under table "A"can be extended by charging an additional premium of 50% of book rate to cover disease mentioned in part 'C' of Schedule III of Workmen's Compensation Act.

Exclusion

This insurance does not cover any interest and/or penalty which may be imposed on all insured or an insured on account of failure to comply with the requirements of the said Workmen's Compensation Act, 1923 as amended.

v.
Group Travel Companion Traveling Overseas ? Whether you travel for business or pleasure, international travel involves risk. Medical treatment abroad can be expensive & one never knows, when one would require it. Having to spend for medical bills in foreign currency can be an expensive proposition. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel companion is specially designed to help you deal with situations while overseas travel.

Features

Covers medical expenses and repatriation. Covers for any delay or loss in baggage. Provides student package for students traveling abroad for studies. Family floater available.

Benefits

Spend for medical bills in foreign currency Takes care of sudden and unforeseen expenditure Takes care of expenditures in foreign land away from home Convenient and hassle free trip for the family

Advantages

Provides financial support outside the country. Can take care of any emergency purchases in case of loss / delay in baggage Covers for accident of sponsor travel of family visit in case of hospitalization of insured. Entire family can be covered under one policy

C .]

Your office is a hive of activity. Major investment, time and effort goes into building up your business. Our office package is the best way to protect your business...