As a woman, you have unique needs and concerns when it comes to preparing for the future.

At Bajaj Allianz, we realise that, and provide you with unique solutions to match your investment and protection needs. While the basic life insurance policy protects your loved ones, you will also need some protection against risks specific to women. A prudent financial plan calls for mitigation of these risks to the maximum extent possible. Bajaj Allianz offers you the flexibility to enhance your insurance policy by attaching benefits that provide coverage against uncertainties. You can attach UL MahilaGain Rider with New UnitGain and New UnitGain Plus. As per your needs you can choose to take all or some of the benefits, and redesign your life insurance coverage. We offer the following additional benefits for women with our products, in addition to our usual rider benefits: UL MahilaGain I covering Critical Illness Benefit, Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer, Congenital Disability Benefit & Complications of Pregnancy Benefit. OR UL MahilaGain II covering Critical Illness Benefit & Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer. You have the option of taking any one of the above two options with minimum sum assured that can be opted for the rider being Rs. 50,000 and the maximum sum assured being Rs.10 lacs. Critical Illness Benefit (CI), Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer, Congenital Disability Benefit & Complications of Pregnancy Benefit. Critical Illness Benefit (CI) Some illnesses are critical. They not only alter ones lifes pattern but also result in a financial drain. Bajaj Allianz Critical Illness Benefit softens the impact on the family by paying out the Critical Illness Benefit under the plan immediately on occurrence of the first critical illness benefit, while other policy benefits continue (excluding Hospital Cash Benefit, if taken additionally). We cover 11 critical illnesses, namely - First Heart Attack, Coronary Artery Disease Requiring Surgery, Stroke, Cancer, Kidney Failure, Major Organ Transplantation, Multiple Sclerosis, Aorta Graft Surgery, Primary Pulmonary Arterial Hypertension, Alzheimers Disease and Paralysis. You have the flexibility of choosing Critical Illness cover up to the basic Sum Assured selected by you (Minimum Rs.50,000). Reconstructive Surgery For Breast(s) due to Breast Cancer Reconstruction of a breast that has been removed due to cancer is one of the most helpful surgical procedures available today. Bajaj Allianz pays 30% of the Sum Assured (subject to a maximum of Rs. 30,000) for reconstructive surgery of one breast, and 40% of the Sum Assured (subject to a maximum of Rs. 40,000) for reconstructive surgery of two breasts. Congenital Disability Benefit: If a child born to the life assured suffers from any of these congenital disabilities - Downs syndrome, Spina Bifida, Fallots Tetralogy, Esophageal Atresia/ Trachea Osophageal Fistula, Anorectal Atresia (Imperforate Anus), Cleft Lip, Cleft Palate, Cleft Lip & Cleft Palate, Transposition of Great Vessels - Bajaj Allianz pays 50% of the Sum Assured (subject to a maximum of Rs. 2.5 lac) for two children. Complications of Pregnancy Benefit: In case of any of the specified complications during pregnancy Disseminated Intravascular Coagulation, Ectopic Pregnancy, Pre-Eclampsia, Choriocarcinoma & Hydatidiform Mole (Molar Pregnancy) - Bajaj Allianz pays 20% of the Sum Assured (subject to a maximum of Rs. 25,000), payable once under the policy. Switching between options At each policy anniversary, if you have chosen UL MahilaGain I at inception, you can switch to UL MahilaGain II subject to

the terms, charges and conditions applicable for the same at that time. Once chosen for UL MahilaGain II, you lose the right to switch back to UL MahilaGain I. In case of switching, no surrender value is payable. However, switching from UL MahilaGain II to UL MahilaGain I is not allowed under any circumstances. Eligibility Conditions: Option & Benefits Minimum Age at Entry Maximum Age at Entry Maximum Age at expiry of the benefit

UL MahilaGain-I covering Critical Illness Benefit, Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer, Congenital Disability Benefit, Complications of Pregnancy Benefit UL MahilaGain-II covering Critical Illness Benefit & Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer

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Flexibility in Coverage At Bajaj Allianz, we believe in offering benefits and not just products. We realize that you are unique and your need for insurance vary with time. We therefore offer you the flexibility of exclusion of coverage at each policy anniversary, subject to conditions relating to such exclusions. UL MahilaGain rider can be taken only at policy inception. Once selected, you have the option to exclude the rider at any policy anniversary. However, if the life assured opts out of this rider option once or if her attained age at any policy anniversary reaches the maximum allowable age or policy term under the base policy is completed, the coverage will cease. Exclusions The list of exclusions provides the conditions under which the Critical illness benefits will not be payable. Critical illness occurs as a result of the insured person committing any breach of law Critical illness or the related symptoms existed at the date of commencement or reinstatement of risk Critical illness is diagnosed within 6 months of the date of commencement or reinstatement Critical illness as a result of AIDS, any AIDS related illness or HIV infection Critical illness as a result of self-inflicted injuries whilst sane or insane Critical illness as a result of war, invasion, civil war, rebellion, riots. Critical illness as a consequence of the insured person being under the influence of alcohol or drugs other than in accordance with the directions of a registered medical practitioner Critical illness occurs as a result of the insured person taking part in any naval, military or air force operation Critical illness occurs as a result of the insured person participating in or training for any dangerous or hazardous sport or competition or riding or driving in any form of race or competition Critical illness occurs as a result of aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognised airline on regular routes and on a scheduled timetable Failure to seek or follow medical advice In the following case the Reconstructive breast surgery benefit will not be paid: Reduction or augmentation mammoplasty of the unaffected breast. A snapshot of the Charges on UL MahilaGain at various age groups Age 20 30 40 50 UL MahilaGain I (per Rs. 1,000 Sum Assured) 3.20 5.31 8.47 NA UL MahilaGain II (per Rs. 1,000 Sum Assured) 1.84 2.59 5.39 13.27

Note : The charge would be deducted monthly by unit cancellations and would vary based on age attained in that policy year.

Why Bajaj Allianz Life Insurance? Bajaj Allianz Life Insurance Company Limited is a union between Allianz SE, the worlds leading insurer and Bajaj Auto, one of Indias most respected names. Allianz SE is a leading insurance conglomerate globally and one of the largest asset managers in the world, managing assets worth over a Trillion Euros (over Rs. 55,00,000 crores). At Bajaj Allianz, we realize that you seek an insurer you can trust your hard earned money with. Allianz SE has more than 110 years of financial experience in over 70 countries and Bajaj Auto, trusted for over 55 years in the Indian market, are committed to offering you financial solutions that provide all the security you need for your family and yourself. At Bajaj Allianz, customer delight is our guiding principle. Ensuring world class solutions by offering you customized products with transparent benefits supported by the best technology is our business philosophy.

Life Individual

This product brochure gives the salient features of the additional benefits only.
Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states:

No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take
out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provision of this section shall be punishable with a fine that may extend to five hundred rupees.

Contact Details Bajaj Allianz Life Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Pune - 411 006. Tel: (020) 6602 6777. Fax: (020) 6602 6789.

CALL 1800 233 7272 (TOLL FREE) OR 020 30587888

email: life@bajajallianz.co.in Visit us at: www.bajajallianzlife.co.in For More Information : Kindly consult our Insurance Consultant or call us today on the numbers mentioned above. This brochure should be read in conjunction with the Benefit Illustration and Policy Exclusions. Please ask for the same along with the quotation.
Section 45 of the Insurance Act, 1938 No Policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder and that the policy holder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. The Policy shall be subject to and governed by the terms of the Policy document and all the terms and schedule contained therein (enclosed) shall together form a single agreement.

UL MahilaGain
Bajaj Allianz UL MahilaGain
Unique plan that takes care of you and your health.

Unique Identification Number (UIN) : 116A017V01

Insurance is the subject matter of the solicitation.

BJAZ-B-0035\23-Nov-07

Bajaj Allianz Life Insurance Company Limited