Gi Docket Final

General Insurance Docket

For internal use only The Docket is for representation purpose only. For more details please refer brochure & policy wordings

About Partnership Axis Bank is in a Corporate Agency partnership with Bajaj Allianz General Insurance to distribute General Insurance products. At Axis Bank, we have further evaluated your needs and then partnered with Bajaj Allianz to ensure that the products suit your need for Flexibility, Simplicity and Value for Money. Bajaj Allianz General Insurance is India's leading private non-life insurance company, which deals with all non-life insurance products. Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Alliance SE. Both enjoy a reputation of expertise, stability and strength. Bajaj Allianz has always strived to understand the customer needs and customize insurance solutions to suit their needs.

INDEX Section

Particulars

Page No

HEALTH 1

Family Health

2-3

2

Family Floater Health Guard

4-6

3

Silver Health

7-8

4

Health Ensure

9-10

PERSONAL ACCIDENT 5

Safe Guard

12-13

6

Personal Guard

14-15

ASSET 7

Safe Home

17-18

8

Safe Home Plus

19-20

9

Jewellery Insurance

21

10

Business Advantage

22-24

HEALTH Why do we require Health Insurance? People buy health insurance for different reasons. The following are six of these reasons. Please look them over and consider which reasons apply to your customers. This will help you to evaluate what type of health insurance will best meet your customers personal needs. (1) Health insurance can protect you from the risk of uncertain bills for health care. (2) Health insurance can help you to get better quality care as a member of a coordinated health plan than you would get on your own. (3) With health insurance, you do not have to worry about the cost of care when you are sick. (4) The additional cash provided under family health insurance can be very valuable when you are not well. (5) No need to buy individual policies for whole family, whole family can be covered under one plan. (6) You do not pay income tax on health insurance benefits so it is more valuable per Rupee than the same amount in taxable pay. Why buy health insurance when you are already covered under the group mediclaim policy? There are four main advantages of buying a retail health insurance policy; Pay for What You Need: You get a choice to choose between different insurance plans. It's Yours No Matter Where You Work: If you buy coverage through a private health plan, you do not have to worry about cumulative bonus and coverage of pre-existing diseases. Continuity benefits: Pre-existing ailments are generally covered after 4 years of continuous renewal. So a Retail Health Policy helps you to have continuity benefits. Post retirement: With an increase in age health care costs go higher and so do premiums that you pay for them. By starting early you would pay lesser for higher sum assured.

1

Your family’s health is your best asset Family Health Features Hospitalization Expense Reimbursement: In sudden illness, accidents or emergency surgeries, the hospital expenses are reimbursed. Floater Benefit: Protects an Individual and her/his family members (spouse and 3 dependent children) under a single policy. Hospital Cash Benefits: Provides cash benefit for every completed day of hospitalization. (Options of Rs. 500/- & Rs. 1000/- per day for max 30 days) Cashless Facility: Facility available at over 2400 leading empaneled hospitals across India. Pre and Post Hospitalisation Expenses: Covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization. Day Care Procedures: Covers hospitalization even if it is for a period of less than 24 hrs for 130 listed day care procedures. E-Opinion: Cover for Insured (subject to limits) who is diagnosed by a Doctor to be suffering from a Serious Medical Condition, which first occurs or manifests itself during the Policy Period. The E-Opinion Services applies only if the Insured has opted for Sum Insured of Rs. 5 Lacs. Cumulative Bonus: Every claims free year under the policy will entitle cumulative bonus of 5% to Sum Assured. Ambulance Charges: The policy covers ambulance charges in an emergency subject to a maximum of Rs. 1000. Health Check up: Free health check up for a maximum amount of Rs. 1000 (per policy) at the end of 4 continuous claims free years. Income Tax Benefit: Section 80 D of the Income Tax Act. Cover for Pre-existing illness: Covered after four years of continuous renewals.

USP Floater policy which covers whole family under one plan. Comprehensive package at competitive premium.

Section - 1

2

Premium Scheme details

3m-25 yrs

Age Band 26-40 yrs 41-45 yrs

46-55 yrs

Option 1: Hospitalization Expenses of Rs 1 lakh and Hospital Cash payout of Rs 500 (30 days) Individual Two Adults 2 Adults + 1 Child 2 Adults + 2 Child

1479 2106 3158 4211 5264

1813 2780 3908 5036 6164

2447 4019 5222 6024 7152

3603 6278 7112 7796 8924

2608 3693 5540 7386 9233

3276 5004 6983 8961 10940

4401 7186 9296 10694 12672

6756 11706 13128 14286 16265

2 Adults + 3 Child Option 2: Hospitalization Expenses of Rs 2 lakh and Hospital Cash payout of Rs 1000 (30 days) Individual Two Adults 2 Adults + 1 Child 2 Adults + 2 Child 2 Adults + 3 Child

Option 3: Hospitalization Expenses of Rs 3 lakh and Hospital Cash payout of Rs 1000 (30 days) Individual Two Adults 2 Adults + 1 Child 2 Adults + 2 Child 2 Adults + 3 Child

3576 5048 7573 10097 12621

4416 6714 9419 12123 14828

5864 9526 12411 14340 17045

8153 14081 16138 17834 20538

Option 4: Hospitalization Expenses of Rs 4 lakh and Hospital Cash payout of Rs 1000 (30 days) Individual Two Adults 2 Adults + 1 Child 2 Adults + 2 Child 2 Adults + 3 Child

4602 6485 9727 12970 16212

5670 8595 12069 15543 19017

7327 11867 15573 18074 21548

11586 19917 22451 24522 27996

Option 5: Hospitalization Expenses of Rs 5 lakh and Hospital Cash payout of Rs 1000 (30 days) Individual Two Adults 2 Adults + 1 Child 2 Adults + 2 Child 2 Adults + 3 Child

5514 7762 11642 15523 19404

6696 10134 14292 18450 22608

8790 14208 18643 21636 25794

13867 23795 26830 29312 33470

Service Tax extra

Eligibility All family members in the age group of 3 months to 55 years are eligible for this cover. Age at entry shall not be more than 55 years. The minimum age for the proposer or single person to be covered is 18 years. No standalone policies to be given unless the person is unmarried. In case of a family, all family members have to be insured with Bajaj Allianz without selection.

Section - 1

3

Complete health protection for you and your family Family Floater Health Guard In these times of rising medical costs, this Policy is the perfect Health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious accident or illness.

Features With Family Floater Health Guard, the member has access to cashless facility at various empaneled hospitals across India. (subject to exclusions and conditions) In case the member opts for hospitals besides the empaneled ones, 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 10% 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 the co-payment clause is available on payment of additional premium. Covers ambulance charges in an emergency subject to limit of Rs. 1000/130 daycare procedures are covered subject to terms & conditions Health Check up in designated Bajaj Allianz Diagnostic Centers or Reimbursement up to Rs. 1000/- at the end of continuous four claims free years. This benefit can be availed by only one member of the family. Income tax benefit on the premium paid as per section 80-D of the Income Tax Act

USP In-house Claim Administration. Global expertise & local knowledge. Innovative packages to match individual need at competitive prices. Quick disbursement of claims.

Section - 2

4

Premium SI / Age

Self

Self +

Self + Spouse Self + Spouse Self + Spouse Self + Spouse

Spouse

+ 1 Child

+ 2 Child

+ 3 Child

+ 4 Child

2,00,000 0 - 25 Yrs

2,338

3,507

4,091

4,676

5,260

5,844

26 - 40 Yrs

2,736

4,104

4,788

5,472

6,156

6,840

41 - 45 Yrs

3,591

5,387

6,285

7,182

8,080

8,978

46 - 55 Yrs

5,586

8,379

9,776

11,172

12,569

13,965

0 - 25 Yrs

3,306

4,959

5,786

6,612

7,439

8,265

26 - 40 Yrs

3,876

5,814

6,783

7,752

8,721

9,690

41 - 45 Yrs

5,054

7,581

8,845

10,108

11,372

12,635

46 - 55 yrs

6,983

10,474

12,220

13,965

15,711

17,457

0 - 25 yrs

4,332

6,498

7,581

8,664

9,747

10,830

26 - 40 Yrs

5,130

7,695

8,978

10,260

11,543

12,825

41 - 45 Yrs

6,517

9,776

11,405

13,034

14,664

16,293

46 - 55 Yrs

10,417

15,625

18,229

20,833

23,437

26,041

0 - 25 Yrs

5,244

7,866

9,177

10,488

11,799

13,110

26 - 40 Yrs

6,156

9,234

10,773

12,312

13,851

15,390

41 - 45 Yrs

7,980

11,970

13,965

15,960

17,955

19,950

46 - 55 Yrs

12,698

19,046

22,220

25,395

28,569

31,743

0 - 25 Yrs

6,689

10,033

11,705

13,377

15,050

16,722

26 - 40 Yrs

7,511

11,266

13,144

15,021

16,899

18,776

41 - 45 Yrs

9,736

14,604

17,038

19,472

21,906

24,339

46 - 55 Yrs

15,491

23,236

27,109

30,981

34,854

38,727

0 - 25 Yrs

8,160

12,240

14,280

16,320

18,360

20,400

26 - 40 Yrs

9,163

13,744

16,035

18,326

20,616

22,907

41 - 45 Yrs

11,878

17,817

20,786

23,755

26,725

29,694

46 - 55 Yrs

19,758

29,637

34,576

39,515

44,455

49,394

3,00,000

4,00,000

5,00,000

7,50,000

10,00,000

Service Tax extra

Section - 2

5

Eligibility Entry age for proposer is 18 yrs - 55 yrs. Policy can be renewed up to 70 yrs. Children from 3 Months to 25 years can be covered under this policy Sum Insured From Rs 2 lacs - Rs 10 lacs can be opted. No tests required for SI up to Rs. 10 lacs and age up to 45 yrs (Subject to clean proposal form.) No standalone policies to be given unless the person is unmarried. In case of a family, all family members have to be insured with Bajaj Allianz without selection.

Section - 2

6

When you are unwell, expenditure should be the last thing bothering you

Silver Health Features This policy offers access to senior citizens to best medical treatment, cashless benefit or medical reimbursement for hospitalization expenses due to illness or accident. It covers the following: Hospitalization expenses: The policy covers hospitalization expenses and an amount equivalent to 3% of the admissible hospitalization expenses in respect of any and all pre and post hospitalization expenses. Pre-existing Illness: Pre-existing illness covered from the second year of policy only up to 50% the limit of indemnity in a policy year. Ambulance Benefit: Covers ambulance charges in an emergency subject to a limit of Rs 1000 Indemnity: The policy has a lifetime indemnity limit of three times the Limit of Indemnity specified in the earliest senior citizen plan, if the policy is renewed continuously Cashless Facility: With Silver Health plan the member has access to the cashless facility at various network hospitals across India. (In case of treatment in a non network hospital the expenses shall be reimbursed within 14 working days with 20% of co-payment to be paid by the member) Bonus: Cumulative bonus of 5% to your Limit of Indemnity for every claim free year and a Family discount of 5% Health check-up: Health check up in designated Bajaj Allianz diagnostic centers at the end of four continuous claim free years Tax benefit: Tax benefit under section 80 D of the Income Tax Act

} Section - 3

7

USP Specially designed for senior citizens. Comprehensive package at competitive premium.

Premium Sum Insured Age

Age in Years 46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

50,000

1,995

2,495

3,824

4,780

7,170

1,00,000

2,993

3,742

5,736

7,170

10,755

1,50,000

3,741

4,677

7,170

8,963

13,444

2,00,000

4,676

5,846

8,963

11,203

16,805

3,00,000

5,845

7,308

11,203

14,004

21,006

4,00,000

8,767

10,962

16,805

18,905

24,199

5,00,000

10,959

13,155

21,006

23,632

29,039

Service Tax extra

Eligibility People in the age group of 46-75 Years. Max age at the time of entry is restricted to 70 years. Pre-acceptance medical tests at the cost of the proposer. However if the proposal is accepted the company will reimburse the cost of the medical tests (only for fresh proposals). No standalone policies to be given unless the person is unmarried. In case of a family, all family members have to be insured with Bajaj Allianz without selection.

} Section - 3

8

Ensuring you the Maximum Health Ensure Features The member has access to cashless facility in more than 2400 empanelled hospitals across the country subject to terms and exclusions. In case the member opts for hospitals other than the empanelled ones the expenses incurred would be reimbursed within 14 days from the date of submission of all documents. An amount equivalent to 2% of admissible hospitalization expenses towards pre and post hospitalization medical expenses is also covered. The policy covers ambulance charges in case of emergency subject to a maximum of Rs. 1000 per policy period. 130 day care procedures subject to terms and conditions. 5% family discount. Health check up at designated Bajaj Allianz empanelled diagnostic centre after every four claims free policy periods. Income Tax Benefit under section 80D of the IT Act on the premium paid for this policy

USP No medical tests are required for availing this policy Pre-existing diseases are covered after 2 continuous renewal

} Section - 4

9

Premium A – Rates applicable for cities other than Metros Sum Insured

3 mths-25yrs

26yrs-40 yrs

41yrs-45 yrs

46 yrs-55 yrs

50,000

638

684

878

1385

75,000

821

924

1184

1879

1,00,000

1003

1163

1490

2374

B – Rates applicable for Metro cities (Delhi, Mumbai, Bangalore, Chennai & Kolkata) Sum Insured

3 mths-25yrs

26yrs-40 yrs

41yrs-45 yrs

46 yrs-55 yrs

50,000

696

746

957

1510

75,000

895

1007

1290

2049

1,00,000

1093

1267

1624

2588

Service Tax extra Sub-limits applicable, please refer brochure for further details

Eligibility Age at entry 5 years till 55 years. Children below 5 years (above 90 days) can be covered along with their parents. Policy can be renewed continuously up to age 70 years. No standalone policies to be given unless the person is unmarried. In case of a family, all family members have to be insured with Bajaj Allianz without selection.

} Section - 4

10

PERSONAL ACCIDENT

Why do you require an accident insurance? Accidents don't just happen on the roads. They can occur in your office, while traveling or entertaining, or even at home while doing everyday chores. In terms of your finances, they make a double impact. On the one hand, your healthcare spending increases as you undergo treatment. On the other, your income is disrupted till you recuperate. It is here that accident insurance plays the crucial role of keeping the pincers from closing on you and your family. According to experts, for people below 45 years of age, the risk of accident is much higher than of health problems. Health risks and expenses mount with age and tend to typically surface when a person is 45 years or older. They also say that people between 25 and 55 years of age are twice more likely to get disabled than die. Given that a large number of disabilities occur through accidents, few can argue against the importance of accident insurance.

11

Accidents made less painful Safe Guard Features This policy offers insurance coverage in case of: Accidental death Accidental permanent total disability Accidental permanent partial disability and Children's education bonus * Note: *Children's Education bonus is Rs. 5000/- for one child or Rs. 10,000/maximum for 2 children below the age of 19. Table for amount payable Nature of accident/loss

Amount Payable

In case of Accidental Death

100% of Sum Insured + Children's Education Bonus

Permanent Total Disability

125% of Sum Insured

Permanent Partial Disability

Applicable percentage of Sum Assured based on nature of disability

USP Comprehensive package. Premiums are extremely competitive.

Section - 5

12

Premium Premium inclusive of service tax Sum Insured

Rs. 5,00,000

1 year

Rs. 10,00,000

Rs. 15,00,000

Rs. 20,00,000

Rs. 25,00,000

NA

990

1,350

1,800

2,250

3 years

1,310

2,619

3,929

5,238

6,548

5 years

2,115

4,230

6,345

8,460

10,575

Eligibility For any Sum insured the income of the Axis bank customer should commensurate with the SI opted. Maximum calculation as 60 times of the monthly salary.

Documentation 1)

No Income proof required up to 10 lakh CSI.

2)

For CSI above 10 lakh & up to 25 lakh: For salaried persons - Recent three months salary slips. For business persons - Previous three years ITR.

3)

For any SI the income should commensurate with the SI opted. Maximum calculation as 60 times of monthly salary.

Section - 5

13

From Insecure to Secure Personal Guard Life is uncertain. The accidental death or injury of a breadwinner can create serious financial problems for the family. Personal Guard cover ensures total security and peace of mind as it covers the insured against bodily injury or death caused due to accidents.

Features There are three basic plans a. Basic: Death + Children's Education Bonus - Maximum SI 100 times of monthly income. b. Wider: Death + Permanent Total Disability + Permanent Partial Disability + Children's Education Bonus - Maximum SI 60 times of monthly income c. Comprehensive: Death + Permanent Total Disability + Permanent Partial Disability + Temporary Total Disability + Children's Education Bonus - Maximum SI 24 times of monthly income or maximum of 5 lakhs. (Not applicable for Risk Level 3) PS: Total (Basic + Wider + Comprehensive) not to exceed 120 times of monthly income Additional: Medical Expenses + Hospital Confinement Family discount of 10%.

USP Comprehensive covers with the option to choose your preferred package. Competitive premium. Easy claim settlement process.

Section - 6

14

Premium The Premium differs in case of different risk levels determined by the occupation. Risk Level I : Administrative / managing functions, accountants, doctors, lawyers, architects, teachers and similar occupations Risk Level II : Manual labour, garage mechanic, machine operator, paid driver (car / truck / heavy vehicles) cash carrying employee, builder, contractor, veterinary doctor and similar occupations. Risk Level III: Workers in underground mines, electric installations with high tension supply. Jockey, circus performers, big game hunters, mountaineers, professional river rafters and similar occupations. Premium rates given below (%) - Rs. per 1000 /Cover

Risk Class I

II

III

Basic

0.45

0.6

0.9

Wider Comprehensive

1.0

1.25

1.75

1.5

2.0

Not available

Medical Expenses

25% of above premium

25% of above premium

25% of above premium

Hospital

Rs. 300 per person

Rs. 300 per person

Rs. 300 per person

Confinement

Benefit Chart Medical Expenses

Reimbursement upto 40% of valid claim amount or actual medical bills, whichever is less

Hospital Confinement

Rs.1000/- per day for a maximum of 30 days hospitalization

Children's Education Bonus

Rs. 5000/- for a child or Rs. 10,000/- maximum for 2 children below the age of 19 or 10% of capital sum insured, whichever is less

Eligibility Any Indian citizen between 18 to 65 years is eligible for this policy.

Section - 6

15

HOME Why do you require a home insurance? Taking home insurance has many benefits. The house is safeguarded against a variety of unwanted incidents. The cost of the premium that you have to pay is very low often less than 1%. The insurance covers a host of segments - from terrorist attacks to breakdown of water tanks. In the Indian scenario it is all the more imperative to have a home insurance since Forty million hectares of land, roughly one-eighth of the country's geographical area, is prone to floods and 54% of the land is vulnerable to earthquakes Realty rates may escalate 10%-15% in the coming years and demand to protect single largest investment will increase.

16

A comprehensive protection for the contents of your house Safe Home Features This policy safeguards the contents in policy holders household, due to the losses that can arise due to fire, theft, burglary and other perils. Household Contents Householders contents (excluding cash, jewellery, valuables) against fire and allied perils . Householders contents (excluding cash, jewellery, valuables) against burglary and larceny . Exclusion: Burglary and/or housebreaking where any member of the insured's family is the principal or accessory. It also excludes cash, stamps, jewellery, livestock, motor vehicles and pedal cycles. It also excludes loss or damage due to terrorist activities.

Jewellery and Valuables Valuables include silver items, gold coins, and expensive watches above Rs 10,000/Note: A Valuation Certificate would be required in case the value of any individual item in this section, exceeds Rs. 15,000/Exclusion: On loss or damage caused to/ from crackling, scratching or breakage of lens, glass, gramophone records or other items of fragile nature.

Cash at Home This section provides coverage for cash at home against fire, burglary, theft and larceny. Any loss due to larceny shall be restricted to 50% of Sum Insured under this subsection. Exclusion: Theft of cash by any family members or relatives.

USP Comprehensive package policy. Competitive pricing. Easy and hassle free claim settlement process.

Section - 7

17

Premium Package type

Scope of Coverage

Silver Package

Household Contents (Excluding: cash, jewellery, valuables), against Fire and Allied Perils Household Contents (Excluding: cash, jewellery, valuables) against Burglary and Larceny Jewellery and Valuables, against all risks Cash at Home, against all fire, burglary, theft and larceny TOTAL Household Contents (Excluding: cash, jewellery,

Gold Package

valuables), against Fire and Allied Perils Household Contents (Excluding: cash, jewellery, valuables) against Burglary and Larceny Jewellery and Valuables, against all risks Cash at Home, against all fire, burglary, theft and Larceny TOTAL Platinum Package Household Contents (Excluding: cash, jewellery, Valuables), against Fire and Allied Perils Household Contents (Excluding: cash, jewellery, valuables) against Burglary and Larceny Jewellery and Valuables, against all risks Cash at Home, against all fire, burglary, theft and larceny TOTAL

Premium

2,50,000

1,130

1,50,000 1,00,000 3,000 5,03,000

5,00,000

18

1,929

3,00,000 1,50,000

4,000 9,54,000

10,00,000

5,00,000 2,00,000

5,000 17,05,000

Premium inclusive of service tax

Section - 7

Sum Assured

3,031

Make your dream House live on forever Safe Home Plus Features Home is a dream you have turned into reality - with your sweat, pain, happiness, energy and time. We help you protect this dream against unforeseen calamities. It covers losses arising out of: Fire (excluding own fermentation, natural heating or spontaneous combustion, undergoing heating or drying process, burning of property by order of public authority) . Lightning. Explosion / Implosion (excluding boilers, economizers vessel in which steam is generated except domestic boilers) . Aircraft Damage (excluding loss caused by pressure waves). Riots, Strike, Malicious damage. Storm/Cyclone/Typhoon/Tempest/Hurricane/ Tornado/ Flood /Inundation. Impact Damage / Damage caused by fire and shock occuring due to earthquake. Subsidence, Land/Rock Slide. Bursting/Overflowing of water tanks/Apparatus /Pipes. Leakage from automatic Sprinkler (excluding repairs or alteration of building). Missile testing Operation. Bush Fire (excluding forest fire).

USP Comprehensive package Policy Easy claim settlement Long term cover up to 20 years Low premium rates

Section - 8

19

Method of premium calculation Sum Insured is calculated on the basis of cost of construction X Built up Area (Super Built up Area). Cost of construction. Rs. 1500/- per sq. feet: Mumbai, Thane, Navi Mumbai, New Delhi, NCR, Gurgaon, Noida, Chennai, Bangalore, Hyderabad, Pune, Kolkata and Ahmedabad Rs. 1200/- per sq. feet: Rest of India

Premium Service tax extra

Tenure of the Insurance

Rate per Rs. 1 lac of sum insured

3 Yrs

113

5 Yrs

170

10 Yrs

250

15 Yrs

375

20 Yrs

500

Eligibility All Individuals who own residential property. Non Axis Bank Home Loan customers only.

Section - 8

20

Your royal treasure needs a reliable guard Features Protection against loss of Jewellery due to Burglary or Fire while at home or being carried to the bank locker. All risks covered worldwide while worn. A special provision of 5% additional bonus is provided on renewal, if no loss is reported in the expiring policy. No list of insurable items to be insured required up to certain limits. Documents to be submitted for claim settlement:

Valuation / Invoice certificate: In case of sum insured 2 lakh and 3 lakh, valuation certificate would be required at the time of claim for gold and other valuables above Rs. 15,000. In case of sum assured 5 lakh and 10 lakh, valuation report would be required at the time of claim for jewellery and valuables above Rs. 50,000 and for diamond articles and exquisite Jewellery above Rs. 1lakh.

USP Minimum documentation. Also no list of items to be insured required Worldwide coverage 24*7 Covers jewellery from fire and burglary while kept at home / bank locker

Premium Service tax extra

Sum Insured (Rs)

Particulars Jewellery Insurance

2,00,000

2,499

3,00,000

3,249

5,00,000

4,999

10,00,000

9,999

Eligibility Eligibility - All Axis Bank customers can avail of this policy

Section - 9

21

Premium (Rs)

Yet another smart decision for your business Business Advantage Features Fire & Allied Perils A. Coverage: I Fire II Lightning III Explosion / implosion IV Aircraft damage V Impact damage VI Riots, strike and malicious damage VII Storm, Cyclone, Tempest, Hurricane, Tornado, Flood & Inundation VIII Subsidence and Landslide/ Rockslide IX Missile testing operations X Leakage from automatic sprinkler installations XI Bush Fire XII Earthquake (Fire and Shock) XIII Bursting and / or overflowing of water tanks, apparatus and pipes Burglary & Robbery A. Coverage: I Loss or damage: 1. To the contents caused by actual or attempted burglary/ robbery (excluding valuables unless specifically declared and insured) 2. To the insured premises including the cost incurred for changing locks at the insured premises resulting from burglary with indemnity and/ or robbery but limited to 10% of the total sum insured under this Section. II

Loss of money, by actual or attempted burglary, if it is kept in a safe or strong room when the insured premises are unoccupied.

III

Loss of money from the cashier's till and/ or counter caused by robbery in the insured premises.

Money Insurance A. Coverage: This section will indemnify the Insured for the loss of money in transit to the specified destinations against robbery, theft or any other fortuitous event. Transit for the purpose of this Policy commences with the taking over of the money for the purpose of transit and ends as soon as the money reaches the place of delivery.

Section - 10

22

Features Plate Glass A. Coverage Fixed plate glass, frames, frameworks etc. in the interior of the business premises or the display windows is expensive and is prone to accidental damage. The Company will indemnify the Insured for: Accidental loss or damage to the Plate Glass at the Insured Premises. Reasonable cost of repairing/ reinstating damaged frames and/ or frameworks but subject to a maximum of Rs. 5000/for each and every claim. Neon Sign/ Glow Sign A. Coverage: The Company will indemnify the Insured for : Loss or damage to Neon Sign / Glow Sign due to Accidental Means, Fire, Lightning, Storm, Tempest, Typhoon, Hurricane, Tornado, Cyclone, Flood, Inundation, External Explosion, Theft, Riots, Strikes and Malicious Damage. Electronic Equipments A. Coverage: This is an ALL RISK COVER. Loss or damage due to any cause other than those specifically excluded are covered. Damage to External Data Media and the cost of reproduction of lost data stored therein is covered. Sum insured to be on reinstatement basis. Basis of Indemnity. The cover is subject to Excess as follows: The first 10% of the claim amount subject to a minimum of Rs. 2500/- for each and every claim involving computers. 5% of the claim amount subject to a minimum of Rs. 1000/- for other equipments* In case of partial loss, no deduction shall be made for depreciation in respect of parts replaced except those with limited life but the value of salvage will be taken into account. In case of total loss, the settlement will be subject to depreciation from the replacement value of the insured item. * Terrorism cover Extension can be opted for an extra premium.

Public Liability A. Coverage: This section will indemnify the Insured against his legal liability to pay damages for third party civil claims arising out of bodily injury or property damage caused in the course of the business by an accident in the insured premises during the policy period. This is in accordance with Indian Law and other than in respect of the Public Liability Insurance Act, 1991, or any other no fault liability base.

Section - 10

23

Premium Premium excluding service tax Description Fire & Allied Perils Structure Contents

For Shops

For Office

1.00 2.00

0.30 0.30

0.13

0.13

Burglary & Housebreaking

1.50

0.50

Money Insurance

1.5

1.50

Plate Glass

8.00

8.00

Neon Sign/Glow Sign

8.00

8.00

Electronic Equiments

7.00

7.00

0.13

0.13

0.50

5.00

# Terrorism Cover

#Terrorism Cover

Public Liablity

*Premium mentioned above are for Rs. 1000. #Terrorism rates are as on date(17th Aug, 2009)

USP Complete risk cover for business needs Cover against loss due to terrorism (can be opted for at an extra premium) Competitive rates Simple documentation Easy payment options

Section - 10

24

How are claims handled? All claims would be taken care of by Bajaj Allianz. You need to register the claim directly with Bajaj Allianz, by dialing any of the following numbers: Toll free number:

1800-209-5858 (From any mobile / landline) 1800-22-5858 (MTNL/BSNL Users Only) 1800-102-5858 (Airtel / Bharti Users Only)

Chargeable:

020-30305858 (All Users)

For any further details on this policy, please contact our nearest Axis Bank Branch OR SMS “Insurance <>” to +91 97170 00002 Insurance is the subject matter of solicitation Axis Bank is a licensed corporate agent for Bajaj Allianz General Insurance Company Limited. (License No. : 1891411)