Product Feature for Saving Account

BENEFITS:
PERSONAL ACCIDENT (Death only):
Personal Accident cover of Rs.3 lacs.

The Company will pay the Sum Assured in the event of Accidental Bodily Injury causing the
Insureds death within 12 months of the Accidental Bodily Injury being sustained, whereafter this
Policy shall expire.

a) Transportation
If we have accepted a claim under 1) for death of the Insured Person(s), then we will pay towards the
actual cost of transportation of the remains of the Insured Person(s) from the place of death to a
hospital, cremation ground or burial ground. The amount we will pay will be limited to the lower of Rs
5000/- and 2% of the sum assured shown under the schedule headings Basic, Wider and
Comprehensive for the Insured Person(s).
DEFINITIONS: Personal accidents

Accident shall mean DEATH caused due to external, violent and visible means during the policy
period with in 12 months of occurrence.
Air Accident
Air Accident shall mean accident while boarding, travelling in, or alighting from a fully licensed
fixed wing passenger carrying aircraft as a passenger but not as a member of the crew nor for the
purposes of carrying out work in the aircraft.

Rail Accident
Rail accident shall mean accident whilst boarding, alighting and/or travelling in a train. Accidents
while crossing railway tracks are excluded.

Road Accident
Road accident shall mean accident caused by or arising out of use of motor vehicle in a public
place. Public place shall mean any place to which public has got right of access and does not
include places with restricted or regulated access and private places.

Other Accidents
Accidents caused by external, violent and visible means other than Air/Rail/Road accidents as
defined above. For example, accidents while crossing railway line, snakebite, drowning, fall from
buildings etc.

PURCHASE PROTECTION OF UPTO 90 DAYS:

All purchases of tangible goods in the Card will be indemnified by the Company against damage
caused by fire, burglary and / or theft in accordance with the Sum(s) Insured. These covers are only
available upto 90 days from the date of purchase of the tangible goods provided it is kept inside the
residential premises of Cardholder which is a concrete (pucca) Building only,
The liability of the Company would be subject to the Any one Accident Limit shall be Rs 50,000.

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GENERAL EXCLUSIONS:
Personal Accident (Death only):
What we will not pay for
We will not pay for any event that arises because of, is caused by, or can in anyway be linked to any
of the following.
1) Accidental Bodily Injury that the Insured Person(s) meet with:
a) Through suicide, attempted suicide or self inflicted injury or illness.
b) While under the influence of liquor or drugs.
c) Arising or resulting from the insured person (s) committing any breach of law with criminal intent.
d) Whilst engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any
duly licenses standard type of aircraft other than as a passenger (fare paying or otherwise) in any duly
licensed standard type of aircraft anywhere in the world.
e) Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or
trail runs.
f) As a result of any curative treatments or interventions that the Insured Person(s) carry out or have
carried out on his/her body.
g) Arising out of the participation of the Insured Person(s) in any naval, military or air force operations
whether in the form of military exercises or war games or actual engagement with the enemy, whether
foreign or domestic.
2) The Insured Person(s) consequential losses of any kind or their actual or alleged legal liability.
3) Venereal or Sexually transmitted diseases
4) HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired
Immune Deficiency Syndrome) and/or mutant derivatives or variations thereof however caused.
5) Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
6) War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution,
insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment,
confiscation or nationalisation or requisition of or damage by or under the order of any government or
public local authority.
7) Nuclear energy, radiation. If we cannot agree whether any of these exclusions apply to your claim,
you agree to accept the burden of proving that they do not apply.

Claims document checklist: Personal Accident (Death)

Personal Accident

Completed Claim Form (English / Hindi)

Attested copy of FIR to Police (If in regional language then submit English / Hindi translation)
Translations shall may be waived but shall be required if insisted for ,in case where the language
used is not familiar to settling authority
Attested copy of Panchnama / Inquest Panchnama (If in regional language then submit
English / Hindi translation)
Photocopy of Debit Card
Attested copy of Post Mortem Report (If in regional language then submit English / Hindi
translation)
Attested copy of Statement of Witness, if any lodged with police authorities (If available. If in
regional language then submit English / Hindi translation)

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Original Death Certificate

Burial Certificate (wherever applicable)
Attested copy of Drivers License (In case of a motor / vehicular accident where the deceased
was driving)

Copy of Insurance form signed by Insured with details of Asignee.

GENERAL EXCLUSIONS:
Purchase Protection:
1. Damage directly or indirectly occasioned by or happening through or in consequence of war,
invasion, act of foreign enemy, act of god, hostilities (whether war be declared or not), civil war,
Rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, civil
commotion or loot or pillage in connection herewith.
2. Any damage arising from or in consequence of requisition by or under the order of any Public
authority.
a. Damage to any property whatsoever or any loss or expense whatsoever resulting or arising
there from or any consequential loss.
b. Any legal liability of whatsoever nature except under section 15, directly or indirectly caused
by or contributed to any or arising from ionising radiation of or contamination by radio
activity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel or
any weapons having nuclear components.
3. Damage caused by wear and tear or depreciation.
4. Consequential loss of any kind or description.
Claims document checklist: Purchase Protection
Purchase Protection

Completed Burglary/ Fire Claim Form (English / Hindi)

Attested copy of FIR / General Complaint / CR to Police (If in regional language then submit
English / Hindi translation)
Photocopy of Debit Card
Proof of purchase (bill, charge slip, bank statement)
Bank Statement (indicating transaction)
Attested Copy of Final Report from Police (If in regional language then submit English / Hindi
translation)
Attested copy of fire brigade report incase of fire
Advance letter of subrogation on a Rs. 20/- stamp paper in case of burglary / theft

POLICY SUMMARY:
The details provided here are summary of the cover provided. For full details please refer to the
Master Policy wording available at IDBI Bank. As this is a group scheme, no individual certificates will
be issued to account holders.
HOW TO CLAIM:
Notification should be made to Bajaj Allianz General Insurance Co. Ltd. in any of the following ways:

Email id: idbiclaims@bajajallianz.co.in

To Mumbai RO: Bajaj Allianz General Insurance Co. Ltd., Bajaj Allianz House, 291 Xtrium,
2nd floor, Next to Holy Family Church, Andheri Kurla Road, Chakala, Andheri (E), Mumbai
400 099
Bajaj Allianz to provide the claim form & list of documents required to IDBI Bank, Mumbai
IDBI Bank to send the duly signed claim form, confirmation details of the person died, along
with the other documents required.
Group policy Number and the policy number will be quoted at the time of claim.

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