9814050025 Membership Number

Membership No.
i%:%8&-*-da5k IL5962117
DYDWELIL5962117
Mr Manvir Singh
Vill Kotla Teh Rajpura Dist Patiala
Rajpura Punjab 140401 28/08/2022

CPP LivAssist allows you access to a bouquet of services, including online medical assistance services from AWP IN - AWP
Assistance (India) Private Limited, India’s leading medical assistance provider. Your membership also provides you with
various lifestyle and assistance benefits such as Live TV and Music Subscription vouchers, Emergency Travel Assistance,
Roadside Assistance to name a few.

CPP Liv Assist V5 Plan ` 4,199

28/08/2022 27/08/2023
As a part of this benefit, get online pharmacy vouchers redeemable at 1MG. Also, get convenience of door step delivery of your medicines hassle free.

check-up report can be an excellent way to start your Teleconsultation.

CPP LivAssist comes with a 12 month LIVE TV Subscription, which allows You to watch TV Shows, Originals, Movies, Music and News and much

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

VOOT – Live TV Subscription

CPP LivAssist comes with a 12 months premium Subscription, which allows You to watch TV Shows, Original Shows, Movies, Sports, LIVE TV and
much more, on a device of Your choice! This service is provided by Viacom18.

F-Secure SAFE Device Security is built to protect you in the online world. We want you to enjoy life hassle-free - so, explore the internet, enjoy online
shopping, connect with friends and family and let F-Secure SAFE Device Security keep you protected.
Total Assist Program
CPP LIVASSIST - ( V1 to V8)
Benefit Summary
Product Key Features V1 V2 V3 V4 V5 V6 V7 V8

Single Call to Block Lost Cards 1 member 1 member 1 member 2 members 2 members 2 members 2 members 2 members

Emergency Advance for Hotels - Abroad upto INR 20K upto INR 20K upto INR 20K upto INR 40K upto INR 40K upto INR 60k upto INR 60K upto INR 80k

Replacement Travel Tickets - Abroad upto INR 20K upto INR 20K upto INR 20K upto INR 40K upto INR 40K upto INR 60k upto INR 60K upto INR 80k

Emergency Advance for Hotels - in India upto INR 10K upto INR 10K upto INR 15K upto INR 20K upto INR 25K upto INR 30k upto INR 30K upto INR 40k

Replacement Travel Ticket - in India upto INR 10K upto INR 10K upto INR 15K upto INR 20K upto INR 25K upto INR 30k upto INR 30K upto INR 40k

Emergency Cash (only in India) NA NA NA NA NA NA NA upto INR 5k

CPP CARD ASSIST Credit Mantri - Credit Health Report NA 1 subscription 1 subscription 1 subscription 2 subscriptions 2 subscriptions 2 subscriptions 2 subscriptions

RoadSide Assistance (RSA) 1 vehicle 1 vehicle 1 vehicle 1 vehicle 1 vehicle 2 vehicles 2 vehicles 2 vehicles

FSecure SAFE for Mobile/Tablet NA NA NA NA NA NA 1 subscription 1 subscription

Complimentary Fraud Cover upto INR 25000 upto INR 25000 upto INR 25000 upto INR 50000 upto INR 75000 upto INR 1 Lakh upto INR 1 Lakh upto INR 1 Lakh

Complimentary Mobile Wallet Fraud Cover upto INR 25000 upto INR 25000 upto INR 25000 upto INR 25000 upto INR 25000 upto INR 50000 upto INR 50000 upto INR 50000

Number of Members Covered Primary Member Only

Membership Duration 1 year

Product Key Features V1 V2 V3 V4 V5 V6 V7 V8

ZEE5 All Access Annual Subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription

Gaana Plus - Music Subscription NA NA NA NA NA NA NA 1 subscription

VOOT Select (Single Subscription Annually) 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription

Preventive Maintenance Visit by TVS-E (One

1 appliance 1 appliance 1 appliance 1 appliance 2 appliances 2 appliances 2 appliances 2 appliances
Service per year)

Teleconsultation with Doctor Yes Yes Yes Yes Yes Yes Yes Yes

Health Check Up voucher with 61 tests NA NA NA NA NA NA NA NA

CPP LIVPLUS
Online pharmacy voucher worth INR 500 each NA NA NA NA NA NA NA NA

Complimentary Term Life Insurance Cover with

Up to INR 16000 up to INR 20000 up to INR 20000 upto INR 60000 upto INR 50000 upto INR 80000 upto INR 80000 upto INR 1 Lakh
Critical Illness Rider

Number of Members Covered Primary Member Only

Membership Duration 1 year

MRP Inclusive of Taxes 1799 2099 2299 3599 4199 4799 5699 6000

*Benefits offered will be as per your applicable variant purchased.

CPP-LV-TB-JULY2022
Total Assist Program
CPP LIVASSIST - ( V9 to V16)
Benefit Summary
Product Key Features V9 V10 V11 V12 V13 V14 V15 V16

Single Call to Block Lost Cards 2 members 2 members 2 members 4 members 4 members 4 members 4 members 4 members

Emergency Advance for Hotels - Abroad upto INR 80K upto INR 100k upto INR 100K upto INR 110k upto INR 120K upto INR 140K upto INR 160K upto INR 200K

Replacement Travel Tickets - Abroad upto INR 80K upto INR 100k upto INR 100K upto INR 110k upto INR 120K upto INR 140K upto INR 160K upto INR 200K

Emergency Advance for Hotels - in India upto INR 40K upto INR 50k upto INR 50K upto INR 55k upto INR 60K upto INR 70K upto INR 80K upto INR 100K

Replacement Travel Ticket - in India upto INR 40K upto INR 50k upto INR 50K upto INR 55k upto INR 60K upto INR 70K upto INR 80K upto INR 100K

Emergency Cash (only in India) upto INR 5K upto INR 5k upto INR 5K upto INR 5k upto INR 5K upto INR 10K upto INR 15K upto INR 20K

Credit Mantri - Credit Health Report 3 subscriptions 3 subscriptions 4 subscriptions 4 subscriptions 4 subscriptions 4 subscriptions 4 subscriptions 5 subscriptions
CPP CARD ASSIST
RoadSide Assistance (RSA) 2 vehicles 2 vehicles 2 vehicles 2 vehicles 2 vehicles 2 vehicles 2 vehicles 2 vehicles

FSecure SAFE for Mobile/Tablet 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 2 subscriptions 2 subscriptions 2 subscriptions

upto INR 1.25 upto INR 1.5

Complimentary Fraud Cover upto INR 1 Lakh upto INR 1.5 lakhs upto INR 1.5 lakhs upto INR 2 lakhs upto INR 2 lakhs upto INR 2 lakhs
Lakhs Lakhs

Complimentary Mobile Wallet Fraud Cover upto INR 50000 upto INR 50000 upto INR 50000 upto INR 50000 upto INR 50000 upto INR 100000 upto INR 100000 upto INR 100000

Number of Members Covered Primary Member Only

Membership Duration 1 year

Product Key Features V9 V10 V11 V12 V13 V14 V15 V16

ZEE5 All Access Annual Subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 2 subscriptions 2 subscriptions 3 subscriptions

Gaana Plus - Music Subscription 1 subscription 2 subscriptions 2 subscriptions 2 subscriptions 2 subscriptions 2 subscriptions 3 subscriptions 3 subscriptions

VOOT Select (Single Subscription Annually) 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription 1 subscription

Preventive Maintenance Visit by TVS-E

2 appliances 2 appliances 2 appliances 2 appliances 4 appliances 4 appliances 4 appliances 4 appliances
(One Service per year)

Teleconsultation with Doctor Yes Yes Yes Yes Yes Yes Yes Yes

Health Check Up voucher with 61 tests NA NA NA NA NA 1 voucher 1 voucher 1 voucher

CPP LIVPLUS
Online pharmacy voucher worth INR 500 each NA NA 1 voucher 1 voucher 1 voucher 2 vouchers 2 vouchers 2 vouchers

Complimentary Term Life Insurance Cover

upto INR 1.2 lakhs upto INR 1.6 Lakhs upto INR 1.6 lakhs upto INR 2 lakhs upto INR 2.4 lakhs upto INR 2.8 lakhs upto INR 2.8 lakhs upto INR 4 lakhs
with Critical Illness Rider

Number of Members Covered Primary Member Only

Membership Duration 1 year

MRP Inclusive of Taxes 6499 7199 8099 8499 9699 11499 13799 15999

*Benefits offered will be as per your applicable variant purchased.

CPP-LV-TB-JULY2022
Teleconsultation with Doctor
Usage Instructions
1. Dial AWP IN toll free no. – 18004190660. Services are available
between 8 am to 8 pm (Except Sunday & National holiday)
2. You will be connected to an AWP IN Agent
3. Quote your registered mobile no. or CPP Membership ID to the Agent
4. Agent will retrieve your membership details and will probe (if required)
on the medical issue and will complete the below activities:
• Customer verification- Name, DOB, Email Id
• Captures medical symptom
• Height/Weight
• Medical report which depends on nature of the medical case
5. Agent will then arrange for a call back by a doctor
6. Post Teleconsultation by a doctor, member receives the prescription
from AWP IN via a text message.

Medical consultation support available in following languages – Hindi,

English, Tamil, Telugu, Kannada, Malayalam, Odia.

CPP-CS-JULY2020
ZEE5 - LIVE TV Subscription
Download & Usage Instructions
1. Go to www.ZEE5.com on your Android/iOS smart device web browser
2. Click on the 3 bar icon on the right hand corner of the ZEE5 homepage
(next to the search menu)
3. Scroll down, click on the ‘Have a prepaid code?’ tab
4. Enter the coupon code provided, click on Apply and then click on Continue
5. Enter your Mobile Number or Email ID and Proceed
6. Verify using the One-Time Password (OTP) option or Enter Password
7. Your One Year ZEE5 membership is now active!
8. Download the ZEE5 App on your smartphone and Login
9. Enjoy your 12 months ZEE5 All Access Annual Subscription!

Z5CPPSEY10ITF9

Note: Please use the promo code within 90 days of receipt.

CPP-CS-JULY2020
VOOT SELECT - Subscription Download & Usage Instructions

1. Open https://promo.voot.com/promo website

2. Login/register with your mobile number/email ID
3. Apply the service code on the “Promo code” section
4. VOOT SELECT subscription will be activated against your registered mobile number
or email ID
5. You can enjoy VOOT SELECT content on the website https://www.voot.com/ or you
can download the VOOT Application from the app store

CP294-UHMT475MUA
Note: Please use the promo code within 90 days of receipt.
Credit Health Report (Download & Usage Instructions)

1. Enter the URL https://bit.ly/3KCojPO in your browser. Create your account by filling the
details required.
2. Confirm your mobile number to receive OTP, enter OTP to verify your mobile number.
3. Post verification of your mobile number, enter the required details (PAN number, date of
birth, Pin Code, gender) to get your free Equifax credit score.
4. On the next page, click on the link for CPP and enter the CPP Membership Number and the
Coupon Code provided.
5. Click on ’Get My Credit Health Report’. Your CHR will be sent to your registered email ID or
can be downloaded by clicking on ‘Download CHR’ button. To view the CHR, use the last four
digits of your registered mobile number and your year of birth as password. For example,
if your mobile number is 9999955555 and year of birth is 1985, then the password will be
55551985.
6. Reports for subsequent months would be sent to your registered email ID. You can also access
the same by logging on to www.creditmantri.com and clicking on “Credit Health Report” link.

CPPIJQGS96, CPPJFPHZ29

Note: Please use the promo code within 90 days of receipt.

Terms & Conditions for your CPP LivAssist Membership which is a combination of two
products – CPP Card Assist (Part A) and CPP LivPlus (Part B). Please refer to the separate
Terms and Conditions for both these products provided to You as part of Your Welcome
Pack. (purchased and financed through Bajaj Finance Limited (‘BFL’)
Part A: Terms and Conditions for Your CPP Card Assist Membership
The Most Important Terms and Conditions (MITC) of your Card Assist membership are
listed below. Please refer to the Main Terms and Conditions which set out the terms of
your Agreement with CPP
General
• The CPP Card Assist Membership is provided by CPP Assistance Services Private Limited,
whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A,
Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP) in conjunction with
its third party suppliers/service providers.
• You must provide us (and BFL) with full and accurate information in connection with
your CPP Card Assist Membership and Services. In case you provide false or materially
incomplete information or commit a material breach of the main terms & conditions of the
membership, we may cancel your membership
• Advance payment of the Fees is the essence of the commencement of the Membership
and the Services to be provided to You under the Agreement. You must pay the Fee to Us
in advance or repay BFL the full amount paid by BFL to CPP on your behalf for purchase of
Your CPP Card Assist Membership. CPP shall have the right to cancel Your membership
without any notice to You if you fail to pay in advance or repay BFL any amount paid by BFL
towards your CPP Card Assist Membership.
• The Card Fraud Insurance Cover is provided as an add-on complementary benefit under the
Group Insurance Policy taken by CPP for its Members from an Indian insurance company
(insurer). Please refer to the Group Insurance Policy Terms and Conditions for more details.
• Any change or new addition to your membership and services shall be intimated to you
at least 45 days in advance and such changes shall become applicable from the date of
intimation. However, it is clarified that the features of F-Secure Safe, CreditMantri, EAI,
TVS Auto Assist, where CPP is acting as facilitator, may be added, modified, replaced or
removed during the Period of Agreement without this advance notice period of forty-five
(45) days.
• CPP reserves the right to revise the Membership Fee at any point of time but it will not
change for your membership until the Period of Agreement.
• You can cancel your membership anytime during the membership period. You (or BFL if
BFL has made the payment of Membership Fees to CPP on Your behalf) will be refunded
the membership fee as per the following refund grid
Within thirty (30) days of Your Start Date: 100% Refund
After thirty (30) days: Nil Refund
• The terms and conditions are governed by and must be interpreted in line with the laws of
the Republic of India.
• You can contact us through the following media in case you have any queries about these
terms and conditions of your membership, E-mail: feedback@cppindia.com Telephone:
1800-419-4000 (Toll-free) +91 921244 4000 6000 4000 (please prefix city STD code)
Service Related
• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of
discovering loss of cards. We will then contact on Your behalf to Your Card Issuer to get
Your Cards blocked.
• Any advance made to you under the Section A of the Main Terms & Conditions, shall be
interest free and repayable by you to EAI within twenty-eight (28) days of the advance
being made. In the event of the advance not being repaid then reasonable steps which may
include legal steps, will be taken to recover the advance.
• If you request for the assistance services set out at A1, A2 and A3 of the Main Terms &
Conditions, then you consent to us making such enquiries from such persons and/ or
Terms and Conditions for Your CPP Card Assist Membership.
Please read this document carefully and keep it in a safe place
Please read this document carefully. It sets out terms and conditions of Your Agreement with
CPP Assistance Services Private Limited (CPP) for the Card Assist Membership.
Definitions
Where the following words are used in these terms and conditions, they will have the
meanings shown below:
Abroad – In a country other than India.
Agreement – These terms and conditions of the CPP Card Assist Service product and any
changes thereto.
BFL – Bajaj Finance Limited, whose corporate office is at 4th Floor, Bajaj Finserv Corporate
Office, Off Pune Ahmednagar Road, Viman Nagar, Pune – 411014, Maharashtra (and from
whom You have financed Your CPP Card Assist Membership)
Card – Your credit, debit, prepaid, cash and other similar cards.
Card Loss – Loss by You or theft from You of a Card.
CPP - CPP Assistance Services Private Limited, whose corporate office address is at Ground
Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon
– 122002, Haryana India and registered office is at A-370, 2nd Floor, Kalkaji, New Delhi –
110019
Credit Health Report (CHR) – Report in a specified format provided by Credit Mantri relating
to Your credit and financial information inter-alia containing detailed analysis of Your
current Credit Score and its history.
CreditMantri – CreditMantri Finserve Private Limited
Credit Score – Creditworthiness score provided by Credit Information Companies like
Equifax , etc. in accordance with Credit Information Companies (Regulation) Act, 2005 read
with the rules and regulations made thereunder (“CIC Law”)
Equifax - Equifax Credit Information Services Private Limited
EAI – Europ Assistance India Private Limited
Fee – Means the total amount as mentioned in the Table 1 – Annexure 1, inclusive of all
applicable taxes, that You pay towards Your Membership which is shown in Your Welcome
Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any
point of time.
F-Secure – F-Secure Corporation and (or) F-Secure Private Limited.
F-Secure SAFE - A comprehensive security solution relating to Your mobile phone or tablet
(including iPAD), which is owned and provided by F-Secure.
Home – The place where You permanently reside; which You have given us as Your address
while registering for the Membership.
Issuer – The issuers of the Cards.
Member|Customer – The person who has purchased and is entitled to use the Service whose
name appears in the Welcome Pack.
Membership – Your right to use the Service for each year for which You pay the Fee as per
the Agreement.
Period of Agreement – The twelve (12) month period from the Start Date.
Registered Vehicle - The vehicle You have registered with Us for Roadside Assistance
Roadside Assistance – Means the services, which will be provided to You by TVS Auto Assist
in relation to the breakdown of Your Registered Vehicle.
Service – Shall have the meaning given to it in paragraph A below.
Start Date – The date on which the Membership commences as set out in Your Welcome Pack
which We send to You.
TVS Auto Assist- A division of Ki Mobility Solutions Pvt. Ltd
We, Us, Our – CPP.
organizations as are necessary to assess the claim that you are making.
• In case you have not shared the details of a particular card with us and request the same to
be blocked, CPP will attempt to get that card blocked with Your Card Issuer with the help of
other details provided by you on a best effort basis.
• Services set out in sections A1, A2 and A3 of the Main Terms & Conditions shall be provided
only at the sole discretion of CPP, however, every effort will be made to provide you with
emergency assistance in line with the terms and conditions set out in these sections. At
the time of Your request for Service, We may ask You to provide evidences for Your need of
emergency assistance and in the absence of which Your request for Emergency Assistance
may be rejected by Us. There may also be times when it will not be possible to arrange for
the transfer of funds to some countries or remote geographical locations or due to events
or conditions that are out of our control (i.e. political instability, regulatory restrictions,
war, natural disaster, etc.) and for which CPP cannot be held liable.
• Services set out in Section A2 and A6 of the Main Terms & Conditions will not be available
Abroad and within India, this service will be available only in the cities under our coverage
network. A current list of cities under our coverage network is available on our website
https://in.cppgroup.com/
• You will be offered a comprehensive F-Secure SAFE solution for Your mobile device or tablet
powered and owned by F-Secure, a third party supplier/service provider which You must
download on Your mobile device or tablet and provide the information required to install
and run the F-Secure application failing which You may not be able to get the services listed
under Section A4 of the Main Terms and Conditions. It is hereby clarified that F-Secure
SAFE is the property of F-Secure and F-Secure will always remain responsible and liable
for any services / claims arising from the use of F-Secure Safe by You. You are governed by
and must comply with the specific License Agreement and terms and conditions (EULA)
of F-Secure as applicable to You. Our role in relation to distribution of F-Secure SAFE to
You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to
You for any loss, damage or compensation in relation to or arising from the use of F-Secure
SAFE. For other conditions and limitations relating to this Service, please refer to Section
A4 of the Main Terms & Conditions.
• You will be offered a Credit Health Report (CHR) in a specified format provided by
CreditMantri, a third party service provider with whom We have tied up, relating to Your
credit and financial information inter-alia containing detailed analysis of Your current
Credit Score and its history with actionable insights to improve / maintain Your Credit
Score and Health. It is hereby clarified that CreditMantri will always remain responsible
and liable for any services / claims arising from the use of Credit Health Report. You will be
governed by the specific Terms and Conditions of CreditMantri as applicable to you at the
time of usage of Coupon Code for CHR. Our role in relation to this service provided to You
shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You
for any loss, damage or compensation in relation to or arising from the use of this service.
For other conditions and limitations relating to this Service, please refer to Section A5 of
the Main Terms & Conditions.
• You will be offered Roadside Assistance for Your vehicles (Car or Bike) for which we will
liaison with TVS Auto Assist who is our third party supplier/service provider and will
facilitate the services specified in Section A6 of the Main Terms & Conditions. However
if the registered car is over the age of 8 years or registered two-wheeler is over the age of
5 years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided. For other
conditions and limitations relating to this Service, please refer to Section A6 of the Main
Terms & Conditions.
• You hereby expressly accord your consent allowing CPP to collect all the required data/
information including any sensitive personal data or information from you to service you
and to transfer/utilize your personal information with our approved suppliers/service
providers including our group companies for the purpose of sending correspondence to
you and providing some of the features of the membership to you. Please refer to detailed
Data Protection Notice in the Main Terms & Conditions.
Welcome Pack - means the pack We send to You Electronically when You have purchased the
Membership for the Services containing these terms and conditions and other information
relevant to the Service.
Year – A period of twelve (12) consecutive months.
You, Your – The Member.
The CPP Card Assist Membership is provided by CPP Assistance Services Private Limited,
whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A,
Golf Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in conjunction with its third
party suppliers/service providers.
Should You have any queries about these terms and conditions or Your Membership, You
can contact us by email at feedback@cppindia.com or by telephoning us on 1800-419-4000
(Toll-free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open
twenty-four (24) hours a day, seven (7) days a week). You can also write to us at the following
address:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
CPP Card Assist
A: Assistance Services – What is provided?
When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the
Card.
If You request at the time of reporting Your Card Loss, the assistance services set out at
A1, A2 and A3 may be available to You through EAI, who has contracted with us, to provide
You the assistance services set out at A1, A2 and A3 below. You consent to us making such
enquiries from such persons and/ or organizations as are necessary to assess the claim
that You are making. At the time of Your request for Service, We may ask You to provide
evidences for Your need of emergency assistance and in the absence of which Your request
for Emergency Assistance may be rejected by Us.
Any advance made to You under this Section A shall be interest free and repayable by You to
EAI within twenty-eight (28) days of the advance being made. In the event of the advance not
being repaid then steps will be taken to recover the advance, which may include legal steps,
the costs of which recovery may be added to the outstanding balance of the advance made.
A1: Advance of Emergency Hotel Bills
If You are Abroad or in India at the time of the Card Loss. We will facilitate through EAI an
advance direct to Your hotel to cover Your hotel bill as per the eligibility in (Annexure 1 -
Table 1) up to Rs. 200,000 if abroad and up to Rs. 100, 000 if in India.
A2: Emergency Cash Advance
If You are in India at the time of the Card Loss, We will facilitate through EAI an emergency
cash advance for You of up to the total amount as per the eligibility in (Annexure 1 - Table 1)
of up to Rs. 20,000 for basic living expenses and to help You reach Your Home if some or part
of Your cash is lost or stolen at the same time as the Card Loss.
A3: Advance of Replacement Travel Tickets
We will facilitate through EAI replacement travel tickets against an advance for You as per
the eligibility in (Annexure 1 - Table 1) of up to Rs. 200,000 if abroad and up to Rs. 100,000 in
India, so that You can return to the travel destination nearest to Your Home. We will do this
if Your travel tickets have been lost or stolen at the same time as the Card Loss when You are
Abroad or in India.
A4: F-Secure SAFE (Applicable for Mobile Phone or Tablet only) - As per the eligibility in
Annexure 1 - Table 1 for the variant purchased by You
You will be offered a comprehensive internet security solution for Your Equipment (mobile
phone or tablet including iPAD), powered and owned by F-Secure, who is a third party
supplier/service provider and will provide the benefits as mentioned below. F-Secure
SAFE key will be provided to You through the Welcome Pack sent to You electronically or
through text message (SMS) to the mobile number provided by You to BFL.
What is provided?
F-Secure SAFE protects Your Equipment and digital content there in with the features which
include:
Safeguard Data: F-Secure SAFE provides the following features which ensure the safety of
Your data in the Equipment:
1. Remote lock - Allows the Equipment to be remotely locked through a secure website so
that strangers cannot access personal information.
2. Remote wipe - Allows erasing of information on the Equipment, so that information
cannot be used for fraudulent purposes.
3. Contacts back-up and restore – Allows saving of contacts from Equipment so they can be
easily restored as and when required.
Safeguard Phone: F-Secure provides the following features which protect Your Equipment:
1. Call and text blocker - Allows blocking of calls and text messages from specific phone
numbers.
2. SIM Card lock – Instantly locks the phone in case the SIM Card is removed, thus preventing
usage of Your Equipment using another SIM Card.
Tracking and Recovery: F-Secure provides the following features which help in tracking and
recovery of Your lost / stolen Equipment:
1. Remote locate - Shows where the device is on a map.
2. Scream alarm - Allows activation of a scream alarm to locate the Equipment
Threat Protection: F-Secure provides the following features which protect Your Equipment
from threats:
1. Virus and Malware protection – detects and removes viruses and other internet based
threats without affecting Equipment performance.
2. Download protection – automatically scans downloaded applications and application
updates for threats and removes them.
3. Automatic SD Card scan – allows automatic scanning of SD cards for threats when they
are plugged into the Equipment.
For deriving benefit from the F-Secure SAFE, You must adhere to the following specific
terms and conditions:
1. You are governed by and must comply with the specific License Agreement and terms
and conditions (EULA) of F-Secure as applicable to You.
2. The supported platforms for Mobile/Tab are Android 4.0 or later, iOS 8 or later & Windows
Phone 8.
3. You must download the F-Secure SAFE application on Your Mobile/Tab and provide the
information required to install and run the F-Secure application on Your device.
4. F-Secure SAFE is provided by F-Secure and F-Secure may at its discretion, add, modify or
remove the product features during the Agreement Period for which We cannot be held
liable in any manner
A5: Credit Health Report (CHR) - As per the eligibility in Annexure 1 - Table 1 for the
variant purchased by You
What is provided?
You will be offered a Report in a specified format provided by CreditMantri, a third party
service provider with whom We have tied up, relating to Your credit and financial information
inter- alia containing detailed analysis of Your current Credit Score and its history with
actionable insights to improve / maintain Your Credit Score and Health.
All banks are required to review Your Credit history of Your loans and Card transactions prior
to approving any further loans or credits. The CHR will help You to understand and interpret
the Credit Score issued by Credit Information Companies like Equifax, etc
For additional information and guidance on your Credit Score, kindly visit
https://www. creditmantri.com/credit-score-advice/
Limitations and Conditions
Any or all content of the Credit Health Report provided by CreditMantri is not guaranteed by
Us. Our role is merely of a facilitator to arrange the CHR from CreditMantri subject to below
specific terms & conditions of CreditMantri and We shall not be responsible for the accuracy,
completeness, and veracity of any and all such information as received or provided to You
in CHR. Further, We shall not in any manner be liable to You for any loss, claim, damage or
compensation in relation to or arising from this CHR or use of Coupon Code at CreditMantri
website.
For deriving this benefit, You are provided with a unique CreditMantri CHR Coupon Code
in the Pack. Please note that You are governed by and must adhere to the following specific
terms and conditions:
• By registering at CreditMantri Website www.creditmantri.com, you are bound by the
generic terms and conditions of CreditMantri, as may be amended from time to time.
• The Coupon Code provided is valid only for a period of twelve (12) months from the date
of issue and can be redeemed once from CreditMantri and cannot be used again or for any
other services CreditMantri may provide.As a part of this service, you will get a detailed
Credit Health Report immediately when you use the coupon code and for every month for
the next 11 months
• You authorise and give explicit consent to CreditMantri to apply for and receive Your credit
information from Equifax .
• You hereby authorise and give explicit consent to CreditMantri to send email or SMS or
contact You at the email address and mobile number provided at the time of registration
on CreditMantri website.
• You hereby explicitly waive requirements under TRAI DND (Do not Call) listing for the
purpose of availing services from CreditMantri.
• You hereby agree to provide necessary Know Your Customer (KYC) information such as ID
proof and Address proof to CreditMantri to apply for Your credit information with Equifax.
• You hereby agree to provide any additional information and if required You agree to upload
a copy of Your KYC documents into CreditMantri website as may be required by Equifax.
• Equifax or any CIC shall provide your credit information to CreditMantri only if the
information provided matches with the records available with Equifax.
• CreditMantri can provide You with a CHR only if it is able to obtain credit information from
Equifax based on the information provided by You.
• You hereby agree and confirm that in case CreditMantri is not able to obtain any
information from Equifax based on the KYC information provided by You, CreditMantri
shall not be obliged to either refund or substitute the value of the redemption coupon for
any other service it provides with for part or in full.
Our role in relation to this service provided to You shall be limited to that of a mere facilitator,
and We shall not in any manner be liable to You for any loss, damage or compensation in
relation to or arising from the use of this service.
A6: Roadside Assistance (for one Car or Bike) - As per the eligibility in Annexure 1 - Table
1 for the variant purchased by You
If there is a breakdown of Your Registered Vehicle and You require our assistance Service in
relation to Your Registered Vehicle, We will liaise with TVS AUTO ASSIST who is our third
party supplier/service provider and facilitate the specified services mentioned below.
Territorial Scope: Roadside Assistance Services will be provided within 75kms radius from
city centre in the cities under coverage network of TVS Auto Assist, in the Republic of India.
A current list of cities where the below mentioned services are provided is available on our
website https://in.cppgroup.com/
What is provided?
A6.1 Assistance over phone
In the event of Breakdown, wherein the Customer is calling for support, TVS AUTO ASSIST
shall understand the basic problem prior to offering solutions. Some minor issues can be
supported over the phone. For e.g. Issues such as, helping Customer on the basic checks &
Information. – Locating the nearest dealer, locating nearest medical assistance (based on
availability) etc.
A6.2 Onsite support for Minor repairs
In the event the Vehicle covered under this Agreement having a breakdown due to minor
mechanical/ electrical fault, TVS AUTO ASSIST shall support by arranging vehicle
technician to the breakdown location within a maximum time period of sixty minutes. TVS
AUTO ASSIST will bear the labor cost and conveyance charges. Cost of spare parts if required
to repair the vehicle on the spot (Outside coverage area) to obtain such material & spare parts
will be borne by the Customer.
A6.3 Rundown of Battery
In the event the Vehicle having a breakdown due to rundown of battery, TVS AUTO ASSIST
by arranging vehicle technician to jump start the vehicle with appropriate means. TVS AUTO
ASSIST will bear the labor cost and conveyance charges.
A6.4 Towing of the Registered Vehicle
In the event that a Vehicle is immobilized due to the breakdown or accident and “On-site”
preliminary support to make the vehicle roadworthy is not possible, TVS AUTO ASSIST
shall arrange and bear the expense for transferring the Vehicle to the Customer Preferred
Workshop or Nearest Authorized outlet of the OEM. These services shall be provided using
equipment/s deemed most suitable by TVS AUTO ASSIST. Limit for such transfer distance
shall be 75kms from the breakdown location. In case transfer distance is greater than 75kms,
the costs in excess of 75kms shall be borne by the Customer. Towing will be available for
mechanical breakdown, accidents, and also key lost cases where repair cannot be done on the
spot For accident cases towing will be activated on the completion of police formalities if any.
A6.5 Key Services
In case vehicle becomes immobilized because key on locked inside the vehicle or key is lost,
TVS AUTO ASSIST will provide assistance to customer by towing the vehicle to the nearest
authorized workshop within 75 kms. Also Delivery of Spare Key is available.
A6.6 Fuel Delivery
If the vehicle becomes immobile due to empty fuel tank TVS AUTO ASSIST will support the
customer by arranging (5 Lit.) Petrol & Diesel for 4w & (2 Lit) Petrol for 2w to customer. TVS
AUTO ASSIST will bear the labor cost and conveyance charges. Fuel charges shall be borne
by end customer/ user. This service is based on availability of fuel.
A6.7 Incorrect Fueling
During incorrect fueling, TVS AUTO ASSIST will tow the vehicle to the nearest Authorized
Workshop or Customer preferred Workshop upto 75 kms and towing cost will not be borne
by the customer.
A6.8 Flat Tyre Support
In the event that the Vehicle has a puncture or tyre burst, TVS AUTO ASSIST shall support
the Customer in replacing the flat tyre with spare tyre. In case of non-availability of spare tyre,
TVS AUTO ASSIST will try to repair the faulty tyre. This service is based on the availability of
tyre repair shop near the breakdown location. All the cost related to rendering such service
will be charged to customers.
A6.9 Coordination In Extraction or Removal of Vehicle
In the event of vehicle being stuck in ditch, pit or valley, coordination will be done with
external agencies where ever possible. Cost to be borne by Customer. Any consequential
damage during the process will be borne by the Customer. SLA not applicable in such cases.
A6.10 Taxi Assistance
In the event that a Covered Vehicle is immobilized due to the breakdown or accident and
“On-site” preliminary support to make the vehicle roadworthy, is not possible, TVS AUTO
ASSIST shall arrange and bear the expense for transferring the Covered Vehicle to the
nearest Authorized Workshop & Customer Preferred Workshop upto 75 kms. To help the
Customer continue with his journey, TVS AUTO ASSIST will/ provide taxi assistance for
first 50 Kilometers from breakdown spot and excess Kms will be borne by the Customer.
A6.11 Medical/Legal Accommodation
In case of any medical or legal problem arising due to breakdown or accident, TVS AUTO
ASSIST shall provide contact details of the nearby professionals in related field and intensely
try to ensure their first contact, in order to provide convenience to such customers. In this area
TVS AUTO ASSIST shall merely be a facilitator and shall not be held responsible for quality
of services, actual charges will be borne by the customer. TVS AUTO ASSIST role shall end as
soon as we provide contact details to the customer. In case such services are not available in
that area TVS AUTO ASSIST shall not be held responsible in any manner, whatsoever.
OUTSTATION BENEFITS:
A6.12. Hotel Accommodation
In case of outstation breakdown, TVS AUTO ASSIST will provide coordination for Hotel
Accommodation. All related hotel charges will be payable by the customer.
A6.13. Inward & Forward Journey
In case of outstation benefits, TVS AUTO ASSIST will provide coordination for Inward or
Forward Journey. All related charges will be payable by the customer.
A6.14 General Conditions and Exclusions
The roadside assistance services facilitated by Us for You will be limited as follows:
General conditions
You may register Your vehicle(s) against this membership as per the eligibility in Annexure
1 - Table 1 for the variant purchased by You. The assistance services provided will also cover
Your passenger car if another authorized driver is driving. If You register a twowheeler then
only You may use the assistance services provided in this Membership. If You change Your
vehicle, You must send Your RC copy for approval by CPP before the Registered Vehicle is
changed.
Restricted exclusions:
If the Registered passenger car is over the age of 8 years or/ Registered two-wheeler is over
the age of 5 years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided.
Events not covered under RoadSide Assistance:
1. Faulty fuel gauge
2. Speedometer not working
3. Air-conditioning is not working
4. When the passenger door(s) cannot be opened and there are no passengers in the vehicle
5. Boot cannot be opened
6. The front and/or rear demisters are not functioning
7. Horn is not functioning. If the horn is sounding continuously, the Assistance Services will be
provided
8. Damaged door mirrors
9. When the rear view mirror is damaged but it does not obstruct the driver’s vision
10. Damaged or faulty fuel cap but vehicle has not run out of petrol and there is enough fuel in the
tank to enable the vehicle to reach the nearest authorized dealer
11. When the sun roof cannot be opened
12. When the sunroof cannot be closed but weather conditions are fair and the vehicle is not
exposed to any security risk
13. When windows cannot be opened
14. When windows cannot be closed but weather conditions are fair and the vehicle is not
exposed to any security risk
15. Seat adjustor is faulty but the vehicle can be safely driven
16. When passenger seat belts are faulty but there are no passengers in the vehicle
17. Faulty security system unless the vehicle is immobilized or unless the alarm is sounding
continuously
18. Transmission stuck in sports/winter mode
19. When the ABS lights are illuminated
20. Air bag warning lights are illuminated
21. Traction control lights are illuminated
22. Other non-safety related lights/service warnings are illuminated
23. When your Vehicle runs out of windscreen wiper fluid
24. Front windscreen wipers faulty but weather conditions are fair
25. Rear windscreen wiper faulty
26. Vehicle pick-up and drop for routine maintenance is not included
Special Exclusions
The following scenarios are special exclusions under Roadside Assistance, and therefore TVS
AUTO ASSIST will not be responsible for any assistance costs as a result of any of the following:
1. Vehicle is involved in motor racing, rallies, speed or duration tests, practice runs or operated
outside official roads
2. Assistance is required as a result of wars, riots, uprising, mass political demonstrations,
pillage, strike, use for military purposes or acts of terrorism, earthquake damage, freak
weather conditions, atmospheric phenomena, nuclear transformation phenomena or
radiation caused by artificial acceleration of atomic particles
3. Breakdown is caused by deliberate damage, vandalism or participation in a criminal act or
offence
4. The immobilization is resulting from damage caused by intervention of the police or other
authorities
5. Any damage resulting from the use of the vehicle against the recommendations of the owner
manual
6. Any consequential costs and/or damage to property as a result of a breakdown
7. Vehicles kept in a non-roadworthy condition or not serviced in accordance with the
manufacturer’s recommendations
8. Vehicles used in non-motoring roads
9. Abusive behavior of the Customer, any fraudulent representation, malicious intent or
suppression of facts vital to the rendering of Services.
10. When the driver of the vehicle is found to be in any of the situations that are indicated
below:
11. in state of intoxication or under the influence of alcohol, drugs, toxins or narcotics.
12. driving without permission to drive or not having corresponding license for the category of
the Vehicle or documents not in proper or valid state.
13. Any event where breakdown is caused by deliberately inflicted damage, vandalism or
participation in a criminal act or offence
14. Any history where the Customer has on prior occasions misused or abused the services.
15. Accidents resulting from the illegitimate removal of the Vehicle.
16. Accidents or breakdowns that occur when the Customer or the authorized driver have
infringed upon the regulatory ordinances as far as the requisites and number of persons
transported, weight and means of things and animals that can be transported or the form of
handling them etc.
17. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization or
which is to be kept in an as-is state as evidence or for any legal requirements.
18. Vehicle lacking documentation or requirements such as technical inspection of the Vehicles,
obligatory insurance etc. legally necessary to ply on public roads.
19. Breakdowns or accidents caused by fuels, mineral essences, and other inflammable,
explosive or toxic materials being transported in the Vehicle.
20. Any large or wild animals being transported in the Vehicle.
21. Those vehicles not powered exclusively by an internal combustion engine or running on LPG
fuel.
22. Vehicle unlock service will be provided only upon checking and confirmation with the legal
owner of the Vehicle.
A7: Valuable document registration
If You register the details of Your valuable documents with us (driving licence, share
certificates, insurance policies etc), We will hold those details safe should You ever need to
provide these details when the originals are not at hand.
A8: Lost PAN card replacement service
Should You lose Your PAN card We will help You to obtain a replacement PAN card free of
cost. We will liaise with You to send us the necessary documents required for this to facilitate
in replacement of Your PAN card.
A9: Lost mobile phone reporting service - SIM blocking
If You lose Your mobile phone, We will help You with the notifications that You need to make
to block Your SIM card.
A10: Mobile phone identifier (IMEI) registration service
If You register Your mobile phone IMEI number with us, We will hold it safe should You ever
need these details.
B: General conditions
Please read this section carefully as it contains important information.
Eligibility
The Service is only available to residents of India who are over the age of eighteen (18).
Term of Membership
1. Your Membership is available to the person whose name appears in the Welcome Pack
only and is non-transferable.
2. You must provide us with full and accurate information in connection with Your request
for the Card Assist services.
3. Advance payment of the Fees is the essence of the commencement of the Membership
and the Services under the Agreement with You.
4. Your Membership begins on the Start Date and continues for the Period of Agreement in
return for advance payment of the Fee.
5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours
of discovering the Card Loss. We will then contact on Your behalf to Your Card Issuer to
get Your Cards blocked. For this purpose, You hereby authorize Us to contact Your Card
Issuer.
6. Any change or new addition to Your Service shall be intimated to You at least forty-five
(45) days in advance and such change shall become applicable to You from the date of
such intimation. However, it is clarified that the features of F-Secure SAFE, CreditMantri,
TVS Auto Assist, EAI, and may be added, modified, replaced or removed during the
Period of Agreement without this advance notice period of forty-five (45) days.
7. In case of Mobile Phone or Tablet, You must install the F-Secure SAFE on Your Equipment
and must have a working data connection. In addition to compliance with the terms and
conditions specified herein, You must comply with the specific License Agreement and
terms and conditions of F-Secure for use of F-Secure SAFE. They are available for review
at www.fsecure.com It is hereby clarified that F-Secure SAFE is the property of F-Secure
and F-Secure will always remain responsible and liable for any services / claims arising
from the use of FSecure SAFE by You.
Limitations
1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of
the Cards. In case You have not shared the details of a particular Card with us and request
the same to be blocked, We shall attempt to get that Card blocked with Your Card Issuer
with the help of other details provided by You on a best effort basis. In the event that
Your input is required in the form of confidential personal information number (PIN) or
a telephone identification number (TIN) (which cannot be disclosed to a third party) by
Your Card Issuer, We will assist You by conferencing You on the telephone call with the
Issuer in order for You to provide such PIN/TIN for authentication purposes.
2. The services set out in Sections A1, A2 and A3 shall be provided only at the sole discretion
of CPP, however, every effort will be made to provide You with emergency funds in line
with the terms and conditions set out in these sections of this Agreement. At the time of
Your request for Service, We may ask You to provide evidences for Your need of emergency
assistance and in the absence of which Your request for Emergency Assistance may be
rejected by Us. There may also be times when it will not be possible to arrange for the
transfer of funds to some countries or remote geographical locations or due to events or
conditions that are out of our control (i.e. political instability, regulatory restrictions, war,
natural disaster, etc.) and for which We cannot be held liable.
3. Note that services set out in Section A2 and A6 of this Agreement will not be available
Abroad and within India, this service will be available in the cities under our coverage
network. A current list of cities under our coverage network is available on our website
https://in.cppgroup.com/
4. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which
might occur to You due to wrong submission of any information to Us by You or if We
are unable to provide the Services to You for reasons beyond Our control or even after
reasonable efforts made by Us.
5. It is hereby clarified that F-Secure SAFE (Section A4) is the property of F-Secure and
F-Secure will always remain responsible and liable for any services / claims arising
from their use by You. You are governed by and must comply with the specific License
Agreement and terms and conditions (EULA) of F-Secure as applicable to You. Our role
in relation to distribution of F-Secure SAFE to You shall be limited to that of a mere
facilitator, and We shall not in any manner be liable to You for any loss, damage or
compensation in relation to or arising from the use of F-Secure SAFE.
6. It is hereby clarified that CreditMantri (Section A5) will always remain responsible and
liable for any services / claims arising from the use of Credit Health Report. You will be
governed by the specific Terms and Conditions of CreditMantri as applicable to you at the
time of usage of Coupon Code for CHR. Our role in relation to this service provided to You
shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You
for any loss, damage or compensation in relation to or arising from the use of this service.
7. It is hereby clarified that TVS Auto Assist will always remain responsible and liable for
RoadSide Assistance service (Section A6). You will be governed by the specific Terms
and Conditions of TVS Auto Assist as applicable to You. Our role in relation to this service
provided to You shall be limited to that of a mere facilitator, and We shall not in any
manner be liable to You for any loss, damage or compensation in relation to or arising from
the use of this service.
Payment
1. You (or BFL if You have got Your CPP Membership financed through BFL) must pay the
Fee in advance on or before the due dates set out in Your Welcome Pack or which We agree
with You from time to time and You must re-pay BFL the full amount paid by BFL to Us on
Your behalf for Your CPP Membership.
2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your
Membership until the Period of Agreement.
Cancelling Your Membership
1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date. If
You exercise this right to cancel then Your Membership will be cancelled immediately and
any payment of Membership Fees made by You (or BFL on Your behalf) will be refunded to
You (or BFL) as the case may be, as per the terms agreed with BFL.
The refund of Membership Fee will be as per the following refund grid:
Within 30 days: 100% Refund
After 30 days: No refund of membership fees
No refund of Fee shall be due on cancellation under any circumstances if You have used
any of the features of the Service or if the cancellation notice is provided after thirty (30)
days from the Start Date.
2. We will cancel Your Membership on written notice to You if:
• We do not receive advance payment of the Fee from You (or BFL) on the date it is due;
and/or
• You have failed to re-pay BFL the full amount paid by BFL to Us on your behalf for Your
Membership and We are informed by BFL to cancel your Membership
• You have at any time:
given us false or materially incomplete information in relation to Your Membership; or
committed a material breach of the terms and conditions of Your Membership.
Governing law and Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the laws of
the Republic of India.
We and You agree that all the disputes/differences arising out of or in relation to this
Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in
Delhi. You and We agree that terms and all other communications will be issued in English.
Complaints
If at any time You want to tell us about a problem with Your Membership please call us on
1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix Your city STD
code) or You can write to the Complaints Manager at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
We will do our best to revert to Your query within 48 working hours. We will also do our best
to send you communications as relevant from time to time to keep You informed on the
progress. .
If you think you are not getting a satisfactory response, You may escalate the matter to
escalations@cppindia.com
Recording calls
We record all telephone calls made to us. We do this to:
• provide a record of the instructions We have received from You;
• allow us to monitor quality standards;
• help us with staff training; and
• meet legal requirements.
All communications and Membership documents will be in English unless otherwise agreed.
Your consent
By entering into this Agreement You hereby expressly accord Your consent and authorize
us to collect all the required data/information including any sensitive personal data
or information from You to service You under this Agreement. Prior to providing any
information, You have an option not to provide the data or information sought under this
Agreement by sending to us a written notice to that effect.
By entering into this Agreement, You hereby expressly accord Your consent that for the
better performance of this Agreement We may transfer Your data/information to any city
within India or to a country outside India as mentioned herein. If We do transfer Your data
within or outside India, We will make the appropriate checks to ensure that Your data is
adequately protected.
Remember that upon request, You have a right to see and review all the personal information
We hold about You and if found to be inaccurate or deficient, shall be corrected or amended
as feasible. If You would like to request this, please contact our Customer Services Team on
6000 4000. Please note that there will be a separate administration charge for the provision
of this information. Please also note that We will not be responsible for the authenticity of the
information provided by You to us as required under this Agreement.
You have the right to withdraw the consent earlier provided by You with respect to providing
Your data/information sought by us anytime while availing the Services. Such withdrawal
of the consent shall be intimated in writing to us. However, in the event that You decide not
to provide the data/Information sought by us or withdraw the consent earlier given by You,
then We retain the right to not provide the services for which such data/information was
sought.
Data Protection Notice
We will use the information You provide to:
• manage Your Membership;
• collect Fees when due; and
• provide the Service to You.
We may ask BFL to tell us about changes in Your address and other personal and financial
details so that We can update Your records. This may include, but is not limited to, asking for
information about changes to any of Your personal information (e.g. phone or fax numbers,
or e-mail addresses).
We may pass Your personal information to our approved suppliers/service providers
including our group companies for the purpose of sending correspondence to You and
providing some of the features of the Service to You. They may contact You by post, landline
telephone or, if You have previously agreed, by email or mobile phone. By taking out Your
Membership and by giving us Your address, phone number and email address, You agree that
We and our approved suppliers/service providers may contact You using these methods,
unless You have told us not to. If You do not want Your details to be used for these purposes,
please let Us know in writing at any time.
How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information is
protected against unauthorised use of any kind. We have appropriate measures in place to
safeguard the data We hold. Our Information and Data Security Systems at CPP Group Plc
have been verified by accreditation in the form of ISO 27001 and PCI-DSS certificate for
Information Security Management.
Our suppliers/service providers are vetted to ensure they comply with the necessary data
protection protocol before they are approved.
We are continually reviewing and updating our security procedures as new technologies
become available. All areas of our website where personal information is collected are secure
and will display the ‘padlock’ symbol for reassurance. Where information is transferred it
shall be encrypted using the latest encryption technology commercially available.
Please refer to our data privacy policy at our website https://in.cppgroup.com/ for more
details.
Who We may pass Your details to and how they would be used
Updating Your records
We may ask BFL to tell us about changes in Your contact details / details specifically related
to the Services (subject to any disclosure contract in this regard that You may have with BFL)
so We can update Your Membership records. This may include asking for information about
changes to any personal information (e.g. telephone, mobile phone or fax numbers or email
addresses).
Providing the Service
If You ask us to report a lost Card, We will pass Your name and address and the details of the
Card to the Issuer so that they can cancel it and provide a replacement, if requested by You.
When You take the Membership, We pass Your personal details to our approved suppliers to
provide some of the services described in Section A. We will only pass to them the minimum
amount of information required for them to be able to identify You, should You need these
services. Our suppliers will pass Your information (such as Your name, contact details, etc.)
to third parties to enable them to assist You only in instances when You require help from
them.
We may pass Your personal information to our approved fulfilment and courier vendors so
that We can send correspondence to You and provide some of the features of the Service to
You.
Marketing and Market Research
To avoid contacting You unnecessarily about products or services You may already have,
We will compare Your details with information on prospect files prepared by our business
partners. When We do this We may need to tell our business partners/third party suppliers/
service providers that You have subscribed for the Service or hold a product with us and
disclose enough personal data to allow our business partners/third party suppliers/service
providers to identify You on these files.
We and our approved suppliers/service providers may also use Your personal information
to contact You about goods and services that might interest You or invite You to take part
in market research surveys. You may be contacted either by post, phone or e-mail for these
purposes. If You would prefer this not to happen, please let us know when You register, or call
us at any time if You change Your mind.
Europ Assistance India Private Limited (EAI)
When You take out a subscription, We pass Your personal details to EAI to provide the
services described in Sections A1, A2 and A3. We will only pass to them the minimum
amount of information required for them to be able to identify You, should You need these
services. EAI may pass Your information (such as Your name, contact details, etc.) to third
parties to enable them to assist You only in instances when You require help from them.
Grievance regarding Data Protection issues
If at any time You want to tell us about a problem, discrepancy or grievance regarding Your
personal data/information/details or the processing thereof, please call our designated
grievance officer Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or
6000-4000 (if calling from a mobile phone, please prefix Your city STD code) or You can also
write to our grievance officer at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
Our grievance officer will do his best to expeditiously redress any issues/grievance that You
may have within a period of thirty (30) days from the date of receiving Your grievance.
CPP-LIV ASSIST-CA-T&CS-DEC2020
Terms & Conditions for your CPP LivAssist Membership which is a combination of
two products – CPP Card Assist (Part A) and CPP LivPlus (Part B).
Please refer to the separate Terms and Conditions for both these products provided
to You as part of Your Welcome Pack (purchased and financed through Bajaj Finance
Limited (‘BFL’)
Part B: Terms and Conditions for Your CPP LivPlus Membership The Most Important
Terms and Conditions (MITC) of your CPP LivPlus membership are listed below.
Please refer to the Main Terms and Conditions which set out the terms of your
Agreement with CPP
General
• The CPP LivPlus Service is provided by CPP Assistance Services Private Limited,
whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate
Tower – A, Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP)
in conjunction with its third party suppliers/service providers.
• You must provide us (and BFL) with full and accurate information in connection
with your CPP LivPlus Membership and Services. In case you provide false or
materially incomplete information or commit a material breach of the main terms
& conditions of the membership, we may cancel your membership
• Advance payment of the Fees is the essence of the commencement of the
Membership and the Services to be provided to You under the Agreement. You
must pay the Fee to Us in advance or repay BFL the full amount paid by BFL to
CPP on your behalf for purchase of Your CPP LivPlus Membership. CPP shall
have the right to cancel Your membership without any notice to You if you fail to
pay in advance or repay BFL any amount paid by BFL towards your CPP LivPlus
Membership.
• The Term Life Insurance Cover with Critical Illness Rider is provided as an add-
on complementary benefit under the Group Insurance Policy taken by CPP for its
customers from an Indian insurance company registered with IRDAI (Insurer).
Please refer to the Group Insurance Policy Terms and Conditions for more details
sent to You separately by the Insurer. Your enrolment into the group term life
insurance plan is subject to your health declaration in the form and underwriting
parameters of the insurer.
• Any change or new addition to your membership and services shall be intimated
to you at least 45 days in advance and such changes shall become applicable
from the date of intimation. However, it is clarified that the features of services
offered by AWP IN, ZEE5, Gaana Plus, VOOT Select, TVS-E where CPP is acting
as facilitator, may be added, modified, replaced or removed during the Period of
Agreement without this advance notice period of forty-five (45) days.
• CPP reserves the right to revise the Membership Fee at any point of time but it will
not change for your membership until the Period of Agreement.
• You can cancel your membership anytime during the membership period. You (or
BFL if BFL has made the payment of Membership Fees to CPP on Your behalf) will
be refunded the membership fee as per the following refund grid
Within thirty (30) days of Your Start Date: 100% Refund After thirty (30) days: Nil
• The terms and conditions are governed by and must be interpreted in line with the
laws of the Republic of India.
• You can contact us through the following media in case you have any queries about
these terms and conditions of your membership: E-mail: feedback@cppindia.com
Telephone: 1860-419-4010 (lines open 11am to 9pm, seven (7) days a week)
Service Related
For the Services offered under section A1 to A3 of the Main Terms and Conditions
• These are Health related Services provisioned by Our third party service provider
(AWP IN) at certain locations.
• For services setup under section A1 to A3, Please note that CPP’s role here shall
be limited to that of a mere facilitator, and CPP shall not in any manner be liable to
the customers for any loss, damage, or compensation in relation to or arising from
its use. Services under section A1 to A3 are owned and/or facilitated by AWP IN,
AWP IN will be responsible and liable for any claims arising from the use of AWP IN
products & Services by You. You expressly represent and warrant that you will not
use these Services if you do not understand, agree to become a party to, and abide
by all of the Terms and Conditions and Privacy Policy.
• Note that some of the services under section A1 to A3 may not be available on
Sundays and National Holidays, You will need to contact AWP IN’s helpdesk at
18004190660 to confirm.
• To offer these services, AWP IN may have to collect your personal information
and identifiable health information including physical, physiological and mental
health condition, and medical records and history as part of AWP IN’s virtual
health services. The use of your sensitive personal information which includes
your health information will be governed AWP IN’s Privacy Policy which you
confirm you have read and understood on AWP IN’s website https://www.allianz-
partners.com/en_IN/privacy-statement.html.
• You expressly and without limitation, agree for CPP, AWP IN and third party
service providers to record phone calls and or any medical or identity records
submitted by you on the helpline numbers set out in the Terms in order for Us or
AWP IN to inter alia (i) provide a record of the instructions received from You and
to share the same with the third party service providers, if required, (ii) allow itself
or its service providers to monitor quality standards, (iii) training purposes, and
(iv) meet legal and regulatory requirements.
• It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer,
or provider of medical services, save for the provision of virtual health (“tele/
Terms and Conditions for Your CPP LivPlus Membership
Please read this document carefully and keep it in a safe place Table 1
(As Annexure 1 – Benefit Summary)
Please read this document carefully. It sets out terms and conditions of Your Agreement
with CPP Assistance Services Private Limited (CPP) for the LivPlus Service.
Please refer to the Benefits Summary for the benefits as applicable to You for the CPP
LivPlus Membership Variant purchased by You.
Definitions
Where the following words are used in these terms and conditions, they will have the
meanings shown below:
Abroad – In a country other than India.
Agreement – These terms and conditions of the CPP LivPlus Service product and any
changes thereto.
AWP IN - AWP Assistance (India) Private Limited
BFL – Bajaj Finance Limited, whose corporate office is at 4th Floor, Bajaj Finserv
Corporate Office, Off Pune Ahmednagar Road, Viman Nagar--, Pune – 411014,
Maharashtra (and from whom You have financed Your CPP LivPlus Membership).
Card – Your credit, debit, prepaid, cash and other similar cards.
Card Loss – Loss by You or theft from You of a Card.
CPP - CPP Assistance Services Private Limited, whose corporate office address is at
Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42,
video consultation”) services. We or AWP IN makes no express or implied
representationsor warranties about the description, quality, fitness for any
particular purpose, productiveness, or any other matter in relation to Services
and disclaims any implied warranties, including, but not limited to, warranties or
implied warranties of merchantability or fitness for a particular purpose or use
or non-infringement. In addition to this CPP or AWP IN also does not authorize
anyone to make any warranty on Our or AWP IN’s behalf.
• SERVICES UNDER SECTION A1 to A3 ARE NOT HEALTH INSURANCE POLICIES.
These are Health related Services provisioned by Our third party service provider
at certain locations and access to virtual health services.
• All Services offered under this membership are provided on “As Is” and “As
Available” basis and may be subject to certain limitations. Consequently in no
event shall CPP or its third party service providers be liable to you or any third
party for any indirect, consequential, exemplary, incidental, special, or punitive
damages, including lost business/revenue/profit/goodwill or damages arising
from your use or unavailability of these Services and/ or any other the services
offered to you by Us or our third party service providers in any manner whether or
not We or our third party service providers have been warned of the possibility of
such damages or could have reasonably foreseen such damages.
• The consultation provided to you by medical practitioners through this Service
are not intended to replace your relationship with your primary care physician and
you should continue to consult with your primary care physician and other health
care professionals as needed / recommended. You should seek emergency help or
follow-up care when recommended by a medical practitioner or when you are of
the opinion that such help or care is prudent in your sole opinion.
• CPP reserves the right, in its sole discretion and without any obligation, to make
improvements to, or correct any error or omissions in, any component of, or term
relating to, the Services offered under this membership or any voucher issued to
you by CPP or its third party service providers and update information from time
to time.
• Note that services set out in Section A1 to A6 of this Agreement will not be
available Abroad and within India, this service will be available in the cities under
the coverage network.
• You will be offered Preventive Maintenance Service with one free home visit per
appliance per year by TVS-E and TVS-E (Section A4) will always remain responsible
and liable for any services / claims arising from the use of preventive maintenance
visit by You. You will be governed by the specific Terms and Conditions of TVS-E as
applicable to you at the time of usage of TVS-E. Our role in relation to this service
provided to You shall be limited to that of a mere facilitator, and We shall not in
any manner be liable to You for any loss, damage or compensation in relation to or
arising from the use of this service. For other conditions and limitations relating to
this Service, please refer to Section A4 of the Main Terms & Conditions.
• You will be provided with Gaana Plus subscription pack offered by Gaana which
will enable You to listen & download music on the Gaana Application. This
subscription is issued and governed by the terms & conditions of Gaana, as may be
amended from time to time. For detailed terms & conditions, please visit https://
gaana.com/terms.html. Our role in relation to Gaana Plus subscription shall be
limited to that of a mere facilitator, and We shall not in any manner be liable to
You for any loss, damage or compensation in relation to or arising from its use. For
other terms and conditions relating to this Service, please refer to Section A5 of
the Main Terms & Conditions.
• You will be provided with ZEE5 All Access Annual Subscription pack offered by
ZEE which will enable you to watch ZEE’s Live TV channels, exclusive originals,
blockbuster movies, TV Shows, Music and much more. This subscription is
issued and governed by the terms & conditions of ZEE5, as may be amended from
time to time. For detailed terms & conditions, please visit https://www.ZEE5.
com/termsofuse. Our role in relation to ZEE5 shall be limited to that of a mere
facilitator, and We shall not in any manner be liable to you for any loss, damage or
compensation in relation to or arising from its use. For other terms and conditions
relating to this Service, please refer to Section A6 of the Main Terms & Conditions.
• You will be provided with VOOT SELECT Annual subscription pack offered
by Viacom18 which will enable you to watch Viacom18’s Live TV channels,
exclusive originals, blockbuster movies, TV Shows, Sports and much more. This
subscription is issued and governed by the terms & conditions of Viacom18, as
may be amended from time to time. For detailed terms & conditions, please visit
https://www.voot.com/terms-of-use. Our role in relation to VOOT SELECT shall
be limited to that of a mere facilitator, and We shall not in any manner be liable to
you for any loss, damage or compensation in relation to or arising from its use. For
other terms and conditions relating to this Service, please refer to Section A7 of
the Main Terms & Conditions.
• For benefits, terms and conditions, and limitations applicable to Card Loss
Reporting Service and Emergency Travel Assistance service, kindly refer to the
terms and conditions and the benefit summary table of CPP Card Assist provided
to You as part of the Welcome Pack.
• You hereby expressly accord your consent allowing CPP to collect all the required
data/information including any sensitive personal data or information from
you to service you and to transfer/utilize your personal information with our
approved suppliers/service providers including our group companies for the
purpose of sending correspondence to you and providing some of the features of
the membership to you. Please refer to detailed Data Protection Notice in the Main
Terms & Conditions.
Gurgaon – 122002, Haryana India and registered office is at A-370, 2nd Floor, Kalkaji,
New Delhi – 110019.
Fee – Means the total amount as mentioned in the Table 1- Annexure 1, inclusive of
all applicable taxes, that You pay towards Your Membership which is shown in Your
Welcome Pack or as agreed with You from time to time. CPP reserves the right to revise
its Fee at any point of time.
Gaana - Gamma Gaana Ltd
Home – The place where You permanently reside; which You have given us as Your
address while registering for the Membership.
Issuer – The issuers of the Cards.
Member | Customer – The person who has purchased and is entitled to use the Service
whose name appears in the Welcome Pack.
Membership – Your right to use the Service for each year for which You pay the Fee as
per the Agreement.
Period of Agreement – The twelve (12) month period from the Start Date.
Service – Shall have the meaning given to it in paragraph A below.
Start Date – The date on which the Membership commences as set out in Your Welcome
Pack which We send to You.
TVS-E -TVS-Electronics Limited
Viacom18 – Viacom18 Media Private Limited
VOOT SELECT – Voot Select, the premium and exclusive service from Voot
Voucher Amount - The amount as mentioned on the Voucher provided to You as part of
Your welcome kit.
Voucher Code - The code, required to avail the service, mentioned on the Voucher
provided to You as part of Your welcome kit.
We, us, our – CPP.
Welcome Pack - means the pack We send to You Electronically when You have
purchased the Membership for the Services containing these terms and conditions and
other information relevant to the Service.
Year – A period of twelve (12) consecutive months.
You, Your – The Member.
ZEE – ZEE Entertainment Enterprises Limited
ZEE5 – Online streaming services of various contents offered by ZEE
The CPP LivPlus Membership Service is provided by CPP Assistance Services Private
Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View
Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in
conjunction with its third party suppliers/service providers.
Should You have any queries about these terms and conditions or Your Membership,
You can contact us by email at feedback@cppindia.com or by telephoning us on 1860-
419-4010 (lines open 11am to 9pm, seven (7) days a week). You can also write to us at
the following address:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office, New Delhi - 10019
CPP LivPlus
A: Assistance Services – What is provided?
To provide You with health related services as set out in sections A1 to A3 below, We
have contracted with AWP IN, who is Our third party supplier/service provider and will
facilitate provision of these services. Services under section A1 to A3 are owned and/
or facilitated by AWP IN and AWP IN will be responsible and liable for any claims arising
from the use of it by You.
Following are some key Terms and Conditions for the Services offered under section
A1 to A3
• You must be at least 18 years of age to utilize this service.
• CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in
any manner be liable to the customers for any loss, damage, or compensation in
relation to or arising from the use of AWP IN’s products & services.
• Note that some of the services under section A1 to A3 may not be available on
Sundays and National Holidays, You will need to contact AWP IN’s helpdesk at
18004190660 to confirm.
• To offer these services, AWP IN may have to collect personal information and
your identifiable health information including physical, physiological and mental
health condition, and medical records and history as part of AWP IN’s virtual
health services. The use of your sensitive personal information which includes
your health information will be governed AWP IN’s Privacy Policy which you
confirm you have read and understood on AWP IN’s website https://www.allianz-
partners.com/en_IN/privacy-statement.html
• You expressly and without limitation, agree for CPP, AWP IN and third party
service providers to record phone calls and or any medical or identity records
submitted by you on the helpline numbers set out in the Terms in order for Us or
AWP IN to inter alia
i. provide a record of the instructions received from You and to share the same with
the third party service providers, if required,
ii. allow itself or its service providers to monitor quality standards,
iii. training purposes, and
iv. meet legal and regulatory requirements.
A1: Teleconsultation with Doctor
To avail this service, You will need to call AWP IN help desk number 18004190660
between 8 AM to 8 PM (available all days except Sundays and national holidays). An
AWP IN agent will speak to You and accordingly will connect You with their team of
doctors.
Following are some key Terms and Conditions for the Service
1. You agree to not engage in any abusive, inappropriate or unlawful behaviour when
communicating with the Tele-consultant/ Doctors
2. The Service is intended for use for a planned consultation and is not intended to be
used in a medical emergency or in case of an urgent healthcare need.
3. The use of the Service does not create a doctor/patient relationship between You
and Us or AWP IN.
4. CPP or AWP IN does not recommend or endorse any medical practitioners
or make any representations or warranties with respect to the quality of the
Teleconsultation services a medical practitioner may provide to You under this
service.
A2: Online Pharmacy Voucher (As per the eligibility in Annexure 1 - Table 1 for the
variant purchased by You)
To avail this service, You need to visit 1MG Website (https://www.1mg.com/) and apply
the Voucher Code provided to You as part of Your welcome kit, to purchase the medicines
equal to the Voucher Amount. You can call AWP IN help desk number 18004190660
between 8 AM to 8 PM (available all days except national holidays) for any assistance
on use of this service.
Following are some key Terms and Conditions for the Service AWP IN is in
partnership with partners would provide you a discount voucher to avail the
discount on purchase of prescription based medicines only
1. Neither CPP nor AWP IN distribute, sell, stock, exhibit or offer for sale any drugs
or medicinal preparations and merely allow You to use the functionality offered
by the Service to transmit orders for drugs / medicinal preparations to third
party pharmacies through AWP IN. All offers for sale, orders and the sale of drugs
/ medicinal preparations shall be between You and the concerned third party
pharmacy and We or AWP IN shall not be a party to the said transaction. Therefore,
We or AWP IN shall not be responsible or liable for any defect or deficiency in the
goods or the service provided to you by a pharmacy.
2. Medical practitioners may prescribe medications when medically indicated in
their sole professional judgment. In the event that a medical practitioner does
prescribe a medication, it will be his/her duty to comply with all applicable laws
and we advise them to prescribe a medication as determined appropriate in his/
her sole discretion and professional judgment. You agree that any prescriptions
that you acquire from a medical practitioner by/through the Service shall be
solely for Your personal use. You agree to fully and carefully read and follow
all instructions provided to You by the medical practitioner and all product
information and labels and to contact a physician or pharmacist if You have any
questions regarding the prescription.
3. The third party pharmacy may require You to produce clear and valid prescriptions
as required by law for the sale of drugs / medicinal preparations to You.
A3 Health Checkup Voucher (As per the eligibility in Annexure 1 - Table 1 for the
variant purchased by You)
To avail this service, You will need to call AWP IN help desk number 18004190660
between 8 AM to 8 PM (available all days except national holidays) and to book the
appointment at an AWP IN partnered Pathlabs. AWP IN team will fix the appointment
and communicate to You accordingly.
Following are some key Terms and Conditions for the Service
1. AWP IN will provide free health checkups from a network path labs services to the
covered persons
2. The list of tests applicable as part of this service include Thyroid Profile Total
(includes 3 tests), Kidney Panel(includes 5 tests), Lipid Profile(includes 5 tests),
Iron Deficiency Profile(includes 3 tests), Vitamin B12. Total Cholesterol/HDL
Cholesterol Ratio, LDL/HDL Ratio, Diabetic Screen(includes 2 tests), EGFR, Non
HDL Cholesterol, Liver Function Test(includes 11 tests), Testosterone Total,
Hemogram(includes 28 tests)
3. The reports will be shared with You over email by AWP IN
4. We or AWP IN shall not be responsible for any sample collected, tests conducted
and reports generated by AWP IN’s network providers
5. It is agreed by You that the AWP IN is authorized to sub-contract the provision for
part of the services to third party service providers chosen by AWP IN.
6. The service of sample collection from home will be provided only from 7 AM to 7
PM.
7. You must adhere to all the necessary requirements before a sample is collected
including but not limited to 10-12 hours fasting, no consumption of alcohol
or drugs 24 hours before the test or any other requirement that You may be
communicated at the time of booking the test.
8. Request for Path Labs services at Home must be placed at least 24 hours before
the scheduled date and time of requirement
9. You or the family member requesting the service must disclose the name of the
member for whom service is required
10. You or the family member requesting the service must declare the medical
condition of the family member for whom the service is required.
11. You or the immediate family member must complete all formalities as to providing
the information which includes but is not limited to any presenting complaints,
previous medical history, susceptible to allergies, ongoing treatment(s), any
chronic ailment, schedule of medicines or injection being administered (if
required) etc.
12. In case You do not avail the service when the person from diagnostic lab reaches
the subscriber then it will be considered as a used service
13. In case You cancel the service within 14 hours of the scheduled appointment, it
will be considered as a used service.
A4: Preventive Maintenance Visit (As per the eligibility in Annexure 1 - Table 1 for
the variant purchased by You)
As part of this benefit, You will be provided with one free home visit per appliance per
year of a technician over the Period of Agreement for preventive maintenance service
(labour cost only) of Your Appliance, for which we have tied up with TVS-E who is our
third party supplier/service provider and will provide this service. For deriving this
benefit, You are governed by and must adhere to the following specific terms and
conditions:
• To avail this benefit, please call Us on the helpline number 1860- 419-4010 and
Our customer service agent will assist You with the same.
• Preventive Maintenance Visit will be provided in India in the cities under coverage
network of TVS-E. Its network development of new cities is in progress. A
current list of pin codes where this service is provided is available on our website
in.cppgroup.com
• This benefit is governed by the terms & conditions of TVS-E, as provided to You by
TVS-E at the time of usage of this benefit.
• TVS-E will only cover the cost of labour for providing the preventive maintenance
service. In case of breakdown of the Appliance, any additional cost of material or
spare parts and the cost of obtaining such material or spare parts will be borne by
You.
• This offer is not an instrument for payment and shall be used only for the purpose
of availing the preventive maintenance service of Your Appliance.
• Our role in relation to preventive maintenance visit shall be limited to that of
a mere facilitator, and We shall not in any manner be liable to You for any loss,
damage or compensation in relation to or arising from its use.
A5: Music Subscription (As per the eligibility in Annexure 1 - Table 1 for the variant
purchased by You)
• As part of this benefit, You will be provided with Gaana Plus subscription pack
offered by Gaana (as per the eligibility in Annexure 1 - Table 1 for the variant
purchased by You) which will enable You to listen & download music on the Gaana
Application.For deriving this benefit, You are provided with a unique Gaana Plus
redemption code in the Pack and You are governed by and must adhere to the
following specific terms and conditions:
• This subscription is issued and governed by the terms & conditions of Gaana, as
may be amended from time to time. For detailed terms & conditions, please visit
https://gaana.com/terms_and_conditions.html
• The redemption code is valid for a period of 3 months from the date of purchase of
Membership.
• This offer is not an instrument for payment and shall be used only for the purpose
of availing Gaana Plus subscription on the supported devices. For details please
visit https://gaana.com/faq
• Internet service charges applicable as per the plan availed by You from Your
telecom service provider shall be applicable while accessing Gaana Plus
subscription.
• Content available via Gaana Plus subscription shall be subject to change at the
discretion of Gaana at any time.
• Please contact Gaana at Feedback@gaana.com for further details or enquiries
regarding Your subscription.
Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator,
and We shall not in any manner be liable to You for any loss, damage or compensation in
relation to or arising from its use.
A6: ZEE5 All Access Annual Subscription (as per the eligibility in Annexure 1 - Table
1 for the variant purchased by You)
As a part of this benefit, You will be provided with ZEE5 All Access Annual Subscription
offered by ZEE, an online portal service with various contents, by way of streaming
over the internet on mobile and similar handheld devices, and by the way of mobile
applications. With this You can watch Live TV channels, originals, movies, TV shows
with quality streaming and
a premium experience.
For deriving this benefit, You are provided with a unique ZEE5 redemption code in the
Pack and You are governed by and must adhere to the following specific terms and
conditions:
• Your access to and use of the ZEE5 All Access Annual Subscription is subject to
Terms of Use, Privacy Policy and all applicable laws, rules, and regulations.
• This subscription is issued and governed by the terms & conditions of ZEE5, as
may be amended from time to time. For detailed terms & conditions, please visit
https://www.ZEE5.com/termsofuse
• You consent to the terms of Privacy Policy of ZEE5 available at https://www.
ZEE5.com/privacypolicy and agree to the use of Your Personal Information in the
manner as provided under this Privacy Policy.
• The redemption code is valid for a period of 3 months from the date of purchase of
Membership.
• This offer is not an instrument for payment and shall be used only for the purpose
of availing ZEE5 All Access Annual Subscription on the supported devices. For
details please visit https://www.ZEE5.com/termsofuse
• Internet service charges applicable as per the plan availed by You from Your
telecom service provider shall be applicable while accessing the ZEE5 All Access
Annual Subscription.
• Content available on ZEE5 shall be subject to change at the discretion of ZEE at
 any time. The content available to view will vary by geographic location. ZEE may
use technology to assess your geographic location.
• Please contact ZEE5 at support.in@ZEE5.com for further details or enquiries
regarding Your subscription.
Our role in relation to ZEE5 shall be limited to that of a mere facilitator, and We shall
not in any manner be liable to You for any loss, damage or compensation in relation to
or arising from its use.
A7 : VOOT SELECT Annual Subscription
As a part of this benefit, You will be provided with VOOT SELECT Annual subscription
offered by Viacom18, an online portal service with various contents, by way of streaming
over the internet on mobile and similar handheld devices, and by the way of mobile
applications. With this You can watch Live TV channels, originals, movies, Sports, TV
shows with quality streaming and a premium experience.
For deriving this benefit, You are provided with a unique VOOT SELECT redemption
code in the Pack and You are governed by and must adhere to the following specific
terms and conditions:
Your access to and use of the VOOT SELECT Annual subscription is subject to Terms of
Use, Privacy Policy and all applicable laws, rules, and regulations.
• This subscription is issued and governed by the terms & conditions of VOOT
SELECT, as may be amended from time to time. For detailed terms & conditions,
please visit https://www.voot.com/terms-of-use
• You consent to the terms of Privacy Policy of VOOT SELECT available at https://
www.voot.com/terms-of-use and agree to the use of Your Personal Information in
the manner as provided under this Privacy Policy.
• The redemption code is valid for a period of 3 months from the date of purchase of
Membership.
• This offer is not an instrument for payment and shall be used only for the purpose
of availing VOOT SELECT Annual subscription on the supported devices. For
details please visit https://www.voot.com/terms-of-use
• Internet service charges applicable as per the plan availed by You from Your
telecom service provider shall be applicable while accessing the VOOT SELECT
Annual subscription.
• Content available on VOOT SELECT shall be subject to change at the discretion
of Viacom18 at any time. The content available to view will vary by geographic
location. Viacom18 may use technology to assess your geographic location.
• Please contact VOOT SELECT at support@voot.com for further details or
enquiries regarding Your subscription.
Our role in relation to VOOT SELECT shall be limited to that of a mere facilitator, and We
shall not in any manner be liable to You for any loss, damage or compensation in relation
to or arising from its use
A8: Emergency Travel Assistance
For benefits, terms and conditions, and limitations applicable to Emergency Travel
Assistance services, kindly refer to the terms and conditions and the benefit summary
table of CPP Card Assist provided to You as part of the Welcome Pack.
A9: Card Loss Reporting Service
For benefits, terms and conditions, and limitations applicable to Card Loss Reporting
Service, kindly refer to the terms and conditions and the benefit summary table of CPP
Card Assist provided to You as part of the Welcome Pack.
B: General conditions
Please read this section carefully as it contains important information.
Eligibility
The Service is only available to residents of India who are over the age of eighteen (18).
Term of Membership
1. Your Membership is available to the person whose name appears in the Welcome
Pack only and is non-transferable. You must provide us with full and accurate
information in connection with Your request for the CPP LivPlus services.
2. Advance payment of the Fees is the essence of the commencement of the
Membership and the Services under the Agreement with You.
3. Your Membership begins on the Start Date and continues for the Period of
Agreement in return for advance payment of the Fee.
4. Any change or new addition to Your Service shall be intimated to You at least forty-
five (45) days in advance and such change shall become applicable to You from
the date of such intimation. However, it is clarified that the Assistance Service
features listed under A1 to A7, where We are acting as facilitator, may be added,
modified, removed or replaced during the Period of Agreement without this
advance notice period of forty-five (45) days.
Limitations
1. For services setup under section A1 to A3, Please note that CPP’s role here shall
be limited to that of a mere facilitator, and CPP shall not in any manner be liable to
the customers for any loss, damage, or compensation in relation to or arising from
its use. Services under section A1 to A3 are owned and/or facilitated by AWP IN,
AWP IN will be responsible and liable for any claims arising from the use of AWP IN
products & Services by You. You expressly represent and warrant that you will not
use these Services if you do not understand, agree to become a party to, and abide
by all of the Terms and Conditions and Privacy Policy.
2. It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer,
or provider of medical services, save for the provision of virtual health (“tele/
video consultation”) services. We or AWP IN makes no express or implied
representations or warranties about the description, quality, fitness for any
particular purpose, productiveness, or any other matter in relation to Services
and disclaims any implied warranties, including, but not limited to, warranties or
implied warranties of merchantability or fitness for a particular purpose or use
or non-infringement. In addition to this CPP or AWP IN also does not authorize
anyone to make any warranty on Our or AWP IN’s behalf.
3. SERVICES UNDER SECTION A1 to A3 ARE NOT HEALTH INSURANCE POLICIES.
These are Health related Services provisioned by Our third party service provider
at certain locations and access to virtual health services.
4. All Services offered under this membership are provided on “As Is” and “As
Available” basis and may be subject to certain limitations. Consequently in no
event shall CPP or its third party service providers be liable to you or any third
party for any indirect, consequential, exemplary, incidental, special, or punitive
damages, including lost business/revenue/profit/goodwill or damages arising
from your use or unavailability of these Services and/or any other the services
offered to you by Us or our third party service providers in any manner whether or
not We or our third party service providers have been warned of the possibility of
such damages or could have reasonably foreseen such damages.
5. For service under section A1, There will be times when the consulting doctor may
not be able to provide an assessment using telehealth consultation. The doctors are
trained to assess the appropriateness for conducting telehealth consultations on
a case-by-case basis. They will ensure that each consultation meets the standards
required for patient examination and evaluation: if they are unable to make a
full, adequate assessment for advice, based on high quality evidence, they will
recommend the subscriber visit a doctor in a physical clinic. CPP, AWP IN or our
third party service providers do not practice medicine and do not provide medical
consultation. We merely provide a technology platform and infrastructure that
enables you to connect with participating medical practitioners/doctors listed on
the Service and to use the messaging or communication facilities of the Service
that are designed to enable you to communicate with others communication tools
to consult with a medical practitioner. AWP IN does not recommend or endorse
any medical practitioners or make any representations or warranties with respect
to the quality of the medical services a medical practitioner may provide to You
6. For service under section A1, The use of this Service does not create a doctor/
patient relationship between You and CPP or AWP IN. All medical consultation
shall be provided to You by the concerned medical practitioner who are working
with AWP IN’s Service Providers, the medical practitioner or AWP IN’s enrolled
service provider You consult with shall be solely responsible for compliance with
all requirements applicable to his or her professional services provided to you and
liable to you for all medical consultation, medical advice, diagnosis or treatment
recommended or provided to you. Neither CPP nor AWP IN shall not be responsible
or liable for any defect or deficiency in the medical consultation, diagnosis or
treatment recommended to you by any medical practitioner
7. The consultation provided to you by medical practitioners through this Service
are not intended to replace your relationship with your primary care physician and
you should continue to consult with your primary care physician and other health
care professionals as needed / recommended. You should seek emergency help or
follow-up care when recommended by a medical practitioner or when you are of
the opinion that such help or care is prudent in your sole opinion.
8. For services under section A3, AWP IN does not conduct diagnostic or medical
or clinical test services. AWP IN merely connect with the partnered diagnostic
lab to get your diagnostic test conducted. The medical / clinical test or diagnostic
services are provided to you directly by the concerned laboratories or centers.
Neither CPP nor AWP IN make no representations or claims, including as to
the accuracy or quality, of the tests or results obtained by you from diagnostic
laboratories / centers and shall not be responsible or liable for any defect or
deficiency in the services provided to you by a diagnostic laboratory/ center.
9. For services under section A2 and A3, Diagnostic laboratories / centres and
Pharmacies who AWP IN deals with have represented to AWP IN that they are
duly certified / licensed and have the necessary equipment, qualified personnel,
experience and expertise to provide their services to you in India. While AWP IN
makes reasonable enquiries to confirm the veracity of this representation made
to us by the diagnostic laboratories / centres and Pharmacies, AWP IN shall not be
responsible for any misrepresentation or fraud in this regard.
10. CPP reserves the right, in its sole discretion and without any obligation, to make
improvements to, or correct any error or omissions in, any component of, or term
relating to, the Services offered under this membership or any voucher issued to
you by CPP or its third party service providers and update information from time
to time.
11. Note that services set out in Section A1 to A7, of this Agreement will not be
available Abroad and within India, these services will be available in the cities
under the coverage network.
12. We cannot be held responsible for any loss, damage or fraud (direct or indirect)
which might occur to You due to wrong submission of any information to Us by You
or if we are unable to provide the Services to You for reasons beyond Our control or
even after reasonable efforts made by Us.
13. It is hereby clarified that TVS-E (Section A4) will always remain responsible and
liable for any services / claims arising from the use of preventive maintenance
visit by You. You will be governed by the specific Terms and Conditions of TVS-E as
applicable to you by TVS- E at the time of usage of TVS-E. Our role in relation to this
service provided to You shall be limited to that of a mere facilitator, and We shall
not in any manner be liable to You for any loss, damage or compensation in relation
to or arising from the use of this service. Note that the preventive maintenance
service set out in Section A4 of this Agreement will not be available abroad, and
within India, this service will be available in the cities under the coverage network
of our third party service providers.
14. It is hereby clarified that Gaana will always remain responsible and liable for any
services / claims arising from the use of Gaana Plus Subscription (Section A5).
You will be governed by the specific Terms and Conditions of Gaana as applicable
to you at the time of usage. Our role in relation to this service provided to You shall
be limited to that of a mere facilitator, and We shall not in any manner be liable to
You for any loss, damage or compensation in relation to or arising from the use of
this service.
15. It is hereby clarified that ZEE will always remain responsible and liable for any
services / claims arising from the use of ZEE5 All Access Annual Subscription
(Section A6). You will be governed by the specific Terms and Conditions of ZEE as
applicable to you at the time of usage. Our role in relation to this service provided
to You shall be limited to that of a mere facilitator, and We shall not in any manner
be liable to You for any loss, damage or compensation in relation to or arising from
the use of this service.
16. It is hereby clarified that Viacom18 will always remain responsible and liable for
any services / claims arising from the use of VOOT SELECT Annual Subscription
(Section A7). You will be governed by the specific Terms and Conditions of VOOT
SELECT as applicable to you at the time of usage. Our role in relation to this service
provided to You shall be limited to that of a mere facilitator, and We shall not in
any manner be liable to You for any loss, damage or compensation in relation to or
arising from the use of this service.
Payment
1. You (or BFL if You have got Your CPP Membership financed through BFL) must
pay the Fee in advance on or before the due dates set out in Your Welcome Pack
or which We agree with You from time to time and You must re-pay BFL the full
amount paid by BFL to Us on Your behalf for Your CPP Membership.
2. CPP reserves the right to revise its Fee at any point of time but it will not change for
Your Membership until the Period of Agreement.
Cancelling Your Membership
1. You have a right to cancel Your Membership within thirty (30) days of Your Start
Date. If You exercise this right to cancel then Your Membership will be cancelled
immediately and any payment of Membership Fees made by You (or BFL on Your
behalf) will be refunded to You (or BFL) as the case may be, as per the terms agreed
with BFL.The refund of Membership Fee will be as per the following refund grid:
Within 30 days: 100% Refund
After 30 days: No refund of membership fees
No refund of Fee shall be due on cancellation under any circumstances if You have
used any of the features of the Service or if the cancellation notice is provided after
thirty (30) days from the Start Date.
2. We will cancel Your Membership on written notice to You if:
• We do not receive advance payment of the Fee from You (or BFL) on the date it is
due; and/or
• You have failed to re-pay BFL the full amount paid by BFL to Us on your behalf for
Your Membership and We are informed by BFL to cancel your Membership
• You have at any time: given us false or materially incomplete information in
relation to Your Membership; orcommitted a material breach of the terms and
conditions of Your Membership.
Governing law and Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the
laws of the Republic of India. We and You agree that all the disputes/differences arising
out of or in relation to this Agreement shall be referred to the exclusive jurisdiction
of and settled only by the courts in Delhi. You and We agree that terms and all other
communications will be issued in English.
Complaints However to offer these services, AWP IN may have to collect your personal information
If at any time You want to tell us about a problem with Your Membership please call us on and identifiable health information including physical, physiological and mental health
1860-419-4010 or You can write to the Complaints Manager at: condition, and medical records and history as part of AWP IN’s virtual health services.
CPP Assistance Services (Pvt) Ltd P O Box No 826, The use of Your personal information and sensitive personal information which includes
Kalkaji Post Office, New Delhi - 110019 your health information will be governed by AWP IN’s Privacy Policy.
We will do our best to revert to Your query within 48 working hours. We will also do our Grievance regarding Data Protection issues
best to send you communications as relevant from time to time to keep You informed on If at any time You want to tell us about a problem, discrepancy or grievance regarding
the progress. Your personal data/information/details or the processing thereof, please call our
If you think you are not getting a satisfactory response, You may escalate the matter to designated grievance officer Prachala Singh on 1860-419-4010 or You can also write to
escalations@cppindia.com our grievance officer at:
Recording calls CPP Assistance Services (Pvt) Ltd
We record all telephone calls made to us. We do this to: P O Box No 826,
• provide a record of the instructions We have received from You; Kalkaji Post Office, New Delhi - 110019
• allow us to monitor quality standards; Our grievance officer will do his best to expeditiously redress any issues/ grievance
• help us with staff training; and that You may have within a period of thirty (30) days from the date of receiving Your
• meet legal requirements. grievance.
All communications and Membership documents will be in English unless otherwise
agreed.
Your consent
By entering into this Agreement You hereby expressly accord Your consent and
authorize us to collect all the required data/information including any sensitive personal
data or information from You to service You under this Agreement. Prior to providing
any information, You have an option not to provide the data or information sought under
this Agreement by sending to us a written notice to that effect. By entering into this
Agreement, You hereby expressly accord Your consent that for the better performance
of this Agreement We may transfer Your data/information to any city within India or to
a country outside India
as mentioned herein. If We do transfer Your data within or outside India, We will make
the appropriate checks to ensure that Your data is adequately protected. Remember that
upon request, You have a right to see and review all the personal information
We hold about You and if found to be inaccurate or deficient, shall be corrected or amended
as feasible. If You would like to request this, please contact our Customer Services Team
on 1860-419- 4010. Please note that there will be a separate administration charge for
the provision of this information. Please also note that We will not be responsible for the
authenticity of the information provided by You to us as required under this Agreement.
You have the right to withdraw the consent earlier provided by You with respect to
providing Your data/information sought by us anytime while availing the Services. Such
withdrawal of the consent shall be intimated in writing to us. However, in the event that
You decide not to provide the data/ Information sought by us or withdraw the consent
earlier given by You, then We retain the right to not provide the services for which such
data/ information was sought.
Data Protection Notice
We will use the information You provide to:
• manage Your Membership;
• collect Fees when due; and
• provide the Service to You.
We may ask BFL to tell us about changes in Your address and other personal and
financial details so that We can update Your records. This may include, but is not limited
to, asking for information about changes to any of Your personal information(e.g. phone
or fax numbers, or e-mail addresses).
We may pass Your personal information to our approved suppliers/service providers
including our group companies for the purpose of sending correspondence to You and
providing some of the features of the Service to You. They may contact You by post,
landline telephone or, if You have previously agreed, by email or mobile phone. By taking
out Your Membership and by giving us Your address, phone number and email address,
You agree that We and our approved suppliers/service providers may contact You using
these methods, unless You have told us not to. If You do not want Your details to be used
for these purposes,please let Us know in writing at any time.
How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information
is protected against unauthorised use of any kind. We have appropriate measures in
place to safeguard the data We hold. Our Information and Data Security Systems at
CPP Group Plc have been verified by accreditation in the form of ISO 27001 and PCI-DSS
certificate for Information Security Management.
Our suppliers/service providers are vetted to ensure they comply with the necessary
data protection protocol before they are approved.We are continually reviewing and
updating our security procedures as new technologies become available. All areas of our
website where personal information is collected are secure and will display the ‘padlock’
symbol for reassurance. Where information is transferred it shall be encrypted using the
latest encryption technology commercially available.
Please refer to our data privacy policy at our website https://in.cppgroup.com/ for more
details.
Who We may pass Your details to and how they would be used Updating Your records
We may ask BFL to tell us about changes in Your contact details / details specifically
related to the Services (subject to any disclosure contract in this regard that You may
have with BFL) so We can update Your Membership records. This may include asking for
information about changes to any personal information (e.g. telephone, mobile phone or
fax numbers or email addresses).
Providing the Service
If You ask us to report a lost Card, We will pass Your name and address and the details of
the Card to the Issuer so that they can cancel it and provide a replacement, if requested
by You. When You take the Membership, We pass Your personal details to our approved
suppliers to provide some of the services described in Section A.
We will only pass to them the minimum amount of information required for them to
be able to identify You, should You need these services. Our suppliers will pass Your
information (such as Your name, contact details, etc.) to third parties to enable them to
assist You only in instances when You require help from them.
We may pass Your personal information to our approved fulfilment and courier vendors
so that We can send correspondence to You and provide some of the features of the
Service to You.
Marketing and Market Research
To avoid contacting You unnecessarily about products or services You may already
have, We will compare Your details with information on prospect files prepared by our
business partners. When We do this We may need to tell our business partners/third
party suppliers/ service providers that You have subscribed for the Service or hold a
CPP-LIV ASSIST-LP-T&CS-JULY-2022

product with us and disclose enough personal data to allow our business partners/third
party suppliers/ service providers to identify You on these files.
We and our approved suppliers/service providers may also use Your personal
information to contact You about goods and services that might interest You or invite
You to take part in market research surveys. You may be contacted either by post, phone
or e-mail for these purposes. If You would prefer this not to happen, please let us know
when You register, or call us at any time if You change Your mind.
AWP Assistance (India) Private Limited (AWP IN)
When You take our subscription, We pass Your personal details to AWP IN to provide the
services described in Section A1 to A3. We will only pass to them the relevant amount
of information required for them to be able to identify You and create your AWP IN
membership, should You need to avail these services. AWP IN may pass Your personal
information (such as Your name, contact details, etc.) to third parties to enable them
to assist You only in instances when You avail the services offered in Section A1 to A3.
Dear Customer,
Greetings from HDFC ERGO General Insurance Company Limited.

We are pleased to inform you that HDFC ERGO Card Sure Package Policy No. 2999201882226000000 has been issued to provide insurance coverage to you
as you are a customer of CPP Assistance Services Pvt. Ltd. (‘Policyholder’ or ‘CPP’) and form part of the Policyholder’s assistance product business group. This
entitles you for coverage as an insured beneficiary under the Policy as an add-on benefit.
You will be covered under the above mentioned group insurance policy for a sum insured Rs. 25,000 (in case of V1, V2, V3 – Single membership), Rs. 50,000 (in case of V4 –
Single membership), Rs. 75,000 (in case of V5) – Single membership) or Rs. 100,000 (in case of V6, V7,V8,V9 – Single membership) or Rs. 125,000 (in case of V10 – Single
membership) or Rs. 150,000 (in case of V11, V12, V13– Single membership) or Rs. 200,000 (in case of V14, V15, V16– Single membership) for the loss or claim relating to the fraud
or unauthorized use on your card during the policy period, as per the scope of coverage, as mentioned in the table below:

Sum Insured
Period before reporting
Fraud Cover Available (Please refer to Your Membership for limit on
fraudulent transaction
Sum Insured)

Transactions involving PIN based frauds, Phishing,

Up to Transaction amount or Sum Insured per member with no limit per
Tele-phishing and Transactions where OTP is not re- From 0 to 30 days
card, whichever is lower
quired (if card is lost/stolen)

Loss Reported within 3 days No claim is payable under this Policy

Up to Transaction amount or INR 10,000 per card whichever is lower

From 4 to 7 days (within maximum limit of Sum Insured per member) (cards with limit
upto 5 lakh)
Any card present or card not present transaction (other Up to Transaction amount or INR 25,000 per card whichever is lower
than the transactions listed above) (within
From 4 to 7 days
maximum limit of Sum Insured per member) (cards with limit above 5
lakh)

Up to Transaction amount or Sum Insured per

From 7 to 30 days
member with no limit per card, whichever is lower

Loss Reported within 3 days No claim is payable under this Policy

Up to Transaction amount or INR 10,000 per Transaction whichever is

Loss Reported between 4 to 7 days
Mobile Wallet Protection *# lower (within maximum limit of Sum Insured per member)

Up to Transaction amount or Sum Insured per member, whichever is

From 7 to 30 days
lower

* Per member limit is upto Rs. 25,000 (in case of V1,V2, V3, V4, V5) or Rs. 50,000 (in case of V6,V7,V8,V9,V10,V11,V12 and V13) and Rs. 100,000 (in case of V14, V15, and V16)
#The losses sustained by you due to fraudulent use of Mobile Payment Apps (Mobile Wallets) are covered only if there is a simultaneous physical loss of the Phone and /or Gear.
Police complaint of loss of the Phone and /or Gear shall be mandatorily required for the claim.
Specific Exclusions:
I.
II. Losses sustained, directly or indirectly, from any forger
III. Loss incurred due to gross negligence on your part
IV. Losses sustained by you for which the Card Issuer can be held liable (including but not limited to situations where the bank is not in compliance with RBI stipulations, or in cases
where banks are at fault, or where system faults or security breaches cause erroneous debits) to make good the loss incurred by you
V. Insurer liability would be limited to the customers share of liability as per banks or Wallet companies policy subject to sum insured limit of the beneficiary

extent not exceeding the sum insured as specified above for the entire policy period. Please refer to the CardSure Package Policy Terms and Conditions enclosed herewith for more
details.
For any information on the insurance policy, you can also call the Policyholder on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or

Yours sincerely,
For HDFC ERGO General Insurance Company Limited

Nagendra Saikumar
Duly Constituted Attorney
Senior Vice President Operations and Services Group

STATUTORY NOTICE: INSURANCE IS THE SUBJECT MATTER OF THE SOLICITATION

HDFC ERGO Customer Contact Details: Toll Free Helpline: 1-800-2700-700 from MTNL/BSNL phone or Dial 022-6638-4800 (Local/STD Charges apply).For more information,
please e mail: care@hdfcergo.com

Cardsure Package Policy Terms and Conditions outside of a period of thirty (30) days prior to the Card Loss report.
Please read this document carefully and keep it in a safe place Table I : Fraud Cover
1. Definitions
Bank Sum Insured
of India to carry on banking business in India.
Period before reporting
Beneficiary (or Insured) Fraud Cover Available (Please refer to Your
fraudulent transaction
assistance product and forms part of the Policyholder’s assistance product business group, thereby Membership for limit on Sum
enabling entitlement for coverage as an insured beneficiary under the Policy as an add-on benefit. Insured)
Card(s) – Your credit, debit, ATM, prepaid, cash and other similar cards issued by Issuer.
Claim – Any claim You make as a beneficiary under the Policy following a loss or Unauthorized Use of the Transactions involving PIN
Card.
Up to Transaction amount or
based frauds, Phishing, Tele-
Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Policy. Sum Insured per member with
phishing and Transactions From 0 to 30 days
Financial Institution – Institution as defined under section 45 I of the Reserve Bank of India Act, 1934 and no limit per card, whichever
where OTP is not required (if
shall include a Non Banking Financial Company as defined under section 45 I of the Reserve Bank of India is lower
card is lost/stolen)
Act, 1934
FIR Up to Transaction amount or
circumstances. INR 10,000 per card whichever
Home is lower (within maximum
any Claim. From 4 to 7 days
limit of Sum Insured per
Insurer (or Company) – HDFC Ergo General Insurance Company Limited (IRDA Reg. No. 146). member) (cards with limit
Issuer – Bank, Financial Institution or other institution that has issued a Card to the Cardholder. upto 5 lakh)
Merchant Establishment - Establishments wherever located which honour the Card
OTP - Dynamic one time password issued by the Card Issuer in connection with the usage of Card. Up to Transaction amount or
PIN - Specific personal identification number assigned to the Cardholder by the Card Issuer in connection Any card present or card not
present transaction (other INR 25,000 per card whichever
with the Card.
than the transactions listed From 4 to 7 days is lower (within maximum lim-
Policy
above) it of Sum Insured per member)
clauses, definitions, exclusions, conditions and other terms contained in the Group Policy and any
(cards with limit above 5 lakh)
issued by the Insurer to the Policyholder, for benefit of the customers of the Policyholder.
Policy Period
Up to Transaction amount or
Policyholder.
Sum Insured per member with
Policyholder – CPP Assistance Services Private Limited (‘CPP’). From 7 to 30 days
no limit per card, whichever
Schedule
Unauthorized Use – Misuse of the Card by someone else other than You.
is lower
You, Your
2. Insurance Cover and Benefits under the Policy
Sum Insured
Once You and Your Family Members become a part of the Policyholder’s assistance product business
Period before reporting fraud-
Fraud Cover Available (Please refer to Your
Card is subject to Unauthorized Use during the Policy Period, the Insurer will not pay more than the amount ulent transaction
Membership for limit on Sum
as mentioned in the Table I and II below(‘Sum Insured’) under the Policy in any Policy Period for any loss
Insured)
and Claim thereon relating to the period falling during the Policy Period and also during the thirty (30) days
period before You reported the Card Loss to the Card Issuer through Policyholder subject to Schedule I, II and
III detailed below under which an Issuer holds You or Your Family Members liable to pay as a direct result of
Unauthorized Use of the Card. In no event will Insurer pay You for any loss claimed by You due to Card Loss

Mobile Wallet Protection *#
2)
No claim is payable under this Unauthorized Use has been reported to the Card Issuer.
Loss Reported within 3 days
Policy
3) Loss incurred, through use of debit Cards, due to breach of security or failure of security
Up to Transaction amount or mechanism of the Card Issuer.
INR 10,000 per Transaction 4) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or
Loss Reported between 4 to
whichever is lower (within
7 days Company or the Card Issuer.
maximum limit of Sum Insured
per member) 5) Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to,

Up to Transaction amount safe.

From 7 to 30 days or Sum Insured per member, MOBILE WALLET PROTECTION
whichever is lower
Losses sustained by You due to fraudulent use of Mobile Payment Apps (Mobile Wallets) only if there is
a simultaneous physical loss of the Phone and / or Gear. Police complaint of loss of phone / gear shall be
Please refer Table – II below for limit on Sum Insured, as applicable to Your Membership
mandatorily required for this purpose. Losses incurred during 4-30 days pre reporting to mobile wallet
Table II : Sum Insured
Issuer about the fraudulent use of mobile wallets loss of Mobile / Device, put together is restricted to Actual
Loss or Sum Insured per member as mentioned in table below, whichever is lower:
Who is Sum Insured for Card Sum Insured for
CPP Membership
covered? Fraud(in INR) Mobile Wallet (in INR)
Type of CPP Membership Sum Insured Limit Per Member (in INR)
V1, V2, V3 Single Member 25,000 25,000 V1, V2, V3 25,000
V4 ,V5 Single Member 50,000(V4) ,75,000(V5) 25,000 V4, V5 25,000
V6, V7, V8, V9 Single Member 100,000 50,000 V6, V7,V8 ,V9 50,000
V10, V11, V12, V13 Single Member 125,000(V10),150,000 50,000 V10, V11, V12, V13 50,000
V14,V15,V16 Single Member 200,000 100,000 V14,V15,V16 100,000

SCHEDULE – I 3. General Exclusions

LOSS OR THEFT OF CARD/UNAUTHORIZED USE THROUGH EDC (ELECTRONIC DATA CAPTURING)
TERMINALS 1. Someone other than You who lives at Your Home uses the Card; or
Specific conditions 2. Any consequential loss of whatsoever nature; or
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions, 3. od, natural disaster, civil war, terrorist act or any
this Policy shall cover any Claim or loss resulting from the Unauthorized Use of any Card, due to loss or other similar occurrence.
4. General Conditions
the Card), which has occurred up to a maximum of thirty (30) days prior to the reporting of the Card loss to Your cover under this Policy depends on Your meeting the following conditions:
the Card Issuer through the Policyholder. 1.
Specific exclusions conditions set out here and any others which the Insurer changes or adds to this Policy at a later
date. Any change or new addition by the insurer shall be intimated to You and shall become
applicable to You from the date of such intimation.
1) Any loss or damage arising out of Card transactions occurring outside the period of thirty (30) days
2. You must declare the details of Your Family Members. In case you fail to do so, the Fraud
prior to Card loss report to the Card Issuer.
Insurance Cover may not be provided by the insurer for the Family Members.
2)
3. You must provide the Insurer and/or the Policyholder with full and accurate information in
Card has been reported to the Card Issuer.
connection with Your Policy.
3) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
4. You must follow Your Issuer’s instructions and meet all their terms and conditions when using
Your Card(s).
Company.
5. You shall immediately notify the nearest police station giving full particulars of the loss, which in
4) Losses sustained by the Cardholders through forgery or alt
any case should be done within twenty-four (24) hours of actual Card Loss.
required in conjunction with any Card.
6.
5) Subject to the specific conditions applicable to Section I above, payments that the Card Issuer is legally
discovered the card loss.
entitled to recover from the Cardholders, or the corporate or other legal entity agreeing to honour Card
expenses incurred by the Cardholders for any prior periods. 7. You must do all that You reasonably can to avoid making a Claim and keep your Claims as low as
possible.
6)
8. You must provide the following documents while making a Claim:
7) Loss incurred due to gross negligence on part of the Cardholder.
a) Completed claim form in English/Hindi.
8) Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with
technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction b)
(DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card translated in English/Hindi.
Issuer is liable. c) Card Statement certified by the concerned card division of the Issuer indicating fraudulent
9) Any loss in respect of credit and debit Cards used internationally which are not EMV Chip and PIN transactions and consumer loss liability.
enabled and for which the Card Issuer is liable. d)
10) Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the e) Photo identity proof.
Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer 9. You must be over the age of eighteen (18) years and must be a resident of India.
will be liable.
10. You shall not transfer, assign or otherwise convey Your respective rights and duties under the
LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED TRANSACTIONS AND/OR MISUSE OF Policy to any other person.
PIN
11. Renewal of this cover is solely at the discretion of the Insurer.
Specific conditions
5. Claims
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions,
If You need to make a Claim for loss incurred by You due to Card misuse under the Policy, please call the
this Policy shall cover losses/Claims arising out of unauthorized internet based transactions, using the
Policyholder any time on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your
authorized CVV (Card Verification Value Code) or the PIN (Personal Identification Number) issued to
Claims under the Policy must be received by Insurer within thirty (30) days of the loss. Please remember to
reporting of the loss/Unauthorized Use to the Card Issuer through the Policyholder.
include all the documents that the Insurer asks for, including FIR if applicable. If You do not, the Insurer will
Special exclusions not be able to process Your Claim until the Insurer has received them. If the Insurer has received all the Claim
documents that the Insurer needs, the Insurer shall aim to process the Claims within twenty eight (28) days
or due to:
1) Any transactions not confirmed by the host website or the authorized bank.
2) Any errors made by the host website or the authorized bank.
6. Other Insurance
3)
hosted overseas not involving an outflow of foreign exchange from India, without the mandatory If, at the time of any Claim, there is, or but for the existence of this Policy, would be any other policy of
additional factor of authentication.
then the Insurer shall not be liable to pay or contribute more than its ratable proportion of any loss or
4) Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the
damage.
Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer
will be liable. 7. Cancelling this Agreement
5) Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of
the Card Issuer. 1. given false or incomplete information to the Insurer and/or the Policyholder; or
2. agreed to help anyone try to take money from the Insurer dishonestly; or
6) Any transactions made using a PIN that has not been introduced by the Card Issuer in accordance with
3. You have seized to be customer of Policyholder; or
the Reserve Bank of India’s mandate.
4. Failed to meet the terms and conditions of this Policy, or to act openly and honestly towards the
7) Insurer.
measures taken by the Cardholder to keep the PIN safe, and recording of the PIN in an intelligible form by
8. Dishonest Claims
the Cardholder.
If You make a Claim which is in any way dishonest or false or produce any false document, proof or
8) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
explanation, the Insurer will refuse to make payment of any benefit under the Policy. If You receive a benefit
under the Policy and the Insurer later discovers that Your Claim was dishonest or false, the Insurer and/or
Issuer.
the Policyholder will take steps to recover from You the payment(s) made by the Insurer.
9) Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with
9. Governing Law& Jurisdiction
technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction
(DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card
Issuer is liable.
10) Any loss in respect of debit and credit Cards used internationally which are not EMV Chip and PIN
India. You and We agree that terms and all other communications will be issued in English.
enabled and for which the Card Issuer is liable.
10. Role of the Policyholder
LOSS ON CARD DUE TO UNAUTHORISED USAGE/ SKIMMING/ COUNTERFEIT/ PHISHING/ TELE-
PHISING/ COMPROMISED CARDS
contact and will enable the Insurer to deal with Your Claim or query quickly and concisely.
Specific conditions
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions,
the Policyholder is not and shall not be liable to You for any Claim, loss, damage, or compensation caused in
this Policy shall cover losses/Claims arising out of Unauthorized Use of Cards by skimming, counterfeiting,
relation to or arising from or in connection with the Policy.
Unauthorized Use being reported to the Card Issuer through the Policyholder. 11. Complaints
Notwithstanding anything stated to the contrary in this Policy, this Policy shall be applicable to the If at any time You want to tell the Policyholder about a problem with Your Policy, please call the Policyholder
following: on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or You
can write to the Manager-Customer Services at:
1) Any Unauthorized Use of a Card where property, labor or services are sold and delivered by a merchant
to an individual purporting to be the cardholder using telephone, fax machines, postal services or a CPP Assistance Services (Pvt) Ltd
computer based system or network.
LivAssist-HDFC-V16-APR-2021

2) Losses arising out of duplicate or counterfeit Cards issued by the Card Issuer without the Cardholder’s
knowledge.
3) Any loss or damage arising due to information obtained by unauthorized access to sensitive
information, such as usernames, passwords and any Card details, by masquerading as a trustworthy
entity in an electronic communication which is not owned, operated or contracted by the Card Issuer or
its bank Card processor.
You informed of progress.
For full details of Insurance benefits and terms and conditions and exclusions, please refer to the Policy
Terms and Conditions and Schedule issued by the Insurer. You may contact the Policyholder or the Insurer
in this regard.

Specific exclusions
1)
prior to the reporting of Unauthorized Use of the Card to the Card Issuer.
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Bajaj Allianz Group Term Life
A Traditional Term Insurance Plan
UIN: 116N021V04(IRDA Regn. No. : 116)

Annual Renewal Date : in each subsequent year subject to renewal of Master Policy

Loan number : U41CLCFP921189

*Appointee detail applicable if nominee person is a minor
For and on behalf of Bajaj Allianz Life Insurance Company Limited.
Table of Contents

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

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

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

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

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

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

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

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

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

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

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

Bajaj Allianz Life Insurance Company Limited

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

GROUP TERM LIFE

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

1. Product Description and Feature

1.Cpp Assistance Services Private Limited , the Master Policy Holder has proposed for a oneyear renewable group term policy
(GTL) on the life of its members on the basis of Scheme Rules for administration of the group insurance scheme and the same
has been agreed and accepted by the insurer Bajaj Allianz Life Insurance Co Ltd.
2. The Sum Assurance under the assurance is payable only on death or first occurrence of death in case of joint
lifecoverage.Payment of Sum Assured amount is subject to the terms and conditions of the group insurance scheme.
3. The Benefits are strictly personal and cannot be assigned, charged.
4.There is no loan available under this plan

2. Benefits under the Group Insurance Scheme

'A' Death Benefits
On death of the member whose life is assured under this assurance or upon first death of either of the joint life members in case
joint life coverage is opted, the sum assured shall be payable as death benefits subject to the terms and conditions of group
insurance scheme. The member has an option to opt for any of the 2 following options for payment of death benefit s to the
nominee/beneficiary.
Option 1 Sum Assured is payable as Lump Sum.
Option II X% of Sum Assured as Lump Sum and balance amount i.e. (1X%) of Sum Assured is paid in installments in arrears
spread over the installment period chosen subject to a maxi mum of 10 years,where X should be at least be 10.Under Option II,
the mode of installment payment, the term of installment payment and the amount of lump sum payment can be decided by the
primary member at inception or at any membership anniversary.
Installment Amount = [ (1x%)*Sum Assured/Installment Period] * installment factor
Installment period(in yrs) 1 2 3 4 5 6 7 8 9 10

Installment Factor 1.04 1.06 1.08 1.10 1.12 1.14 1.16 1.18 1.21 1.23
'B' Maturity Benefit
There is no maturity Benefit under this plan.
'C' Surrender Benefit

There is no surrender Benefit under this plan.

3. Suicide Claim Provision

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

Bajaj Allianz Life Insurance Company Limited

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

4. Payment of Premium

a) Premiums in respect of all the Members are payable on subsequent Premium Due Date or within the Grace Period allowed
without there being any obligation on the Company to notify the Policyholder and/or the Member of the due dates.

b) Where the Premiums have not been paid on the Premium Due Dates or even during the Grace Period, in respect of the
Member,the Membership of such Members under the Policy shall, cease with effect from the Premium Due Date.The frequency
of Premium payment may be changed by giving written notice to the Company subject to the Company agreeing to the change
and the minimum Premium requirements by the Company.Regular Premium may be paid at regular intervals on an annual,
halfyearly,quarterly or monthly basis.Grace period shall mean period of 15 days for monthly frequency of Premium payment
and one month but not less than 30 days basis.Grace period shall mean period of 15 days for monthly frequency of Premium
payment and one month but not less than 30 days. Membership which has lapsed for non payment of premium can be revived
by payment of premium/s due within the one year term of the policy by submission of documents & information required by the
Company to indicate continuity of insurability.Membership may be revived on revised terms and conditions whic h may be
different from terms and conditions initially agreed

5. Nominations

The Member or the Primary Member in case of joint life coverage shall nominate a Beneficiary to whom the death benefits shall
be payable in case of death of the Member. It shall be lawful for the Member to name an Appointee who shall receive the
money during the minority of nominee. The death benefit shall be paid by the Company to the Beneficiary or the Appointee as
the case may be

6. CLAIMS PROCESS

Death claim due to death of a Member shall be processed and paid by the Company subject to receipt of the information and
documents as mentioned herein below:
6.1 Original Certificate of Insurance as issued by the Company
6.2. Death claims have to be intimated by a written notice with in 180 days of the death and the circumstances resulting in the
death.
6.3 Claimant Statement with complete details.

6.4 Death Certificate and medical cause of death certification.

6.5 Medical cause of death certificate from the doctor last attending or th e hospital in which the death occurred along with
complete medical records.
6.7 Coroner's/Postmortem Report, FIR, Police Inquest Report in case of unnatural/accidental death.
6.8 Copy of the crematorium/burial record specifying the date, day and time of cremation/burial.

6.9 Documents to establish rights of claimant in case of no valid nomination being in existence at the time of death.
6.10 A Any other relevant documents or information as may be required by the insurer for the processing of the claim
depending upon the cause of death and facts disclosed at the time of claim.
The claims can be lodged by the Beneficiary or any other legal heir either directly with the Company or through the Master
Policyholder.
Claims can be lodged at any of the offices of the company

7. Taxes

Taxes including ST/GST as applicable shall have to be borne by the Master Policy Holder as the case may be. ST/GST on life
insurance premium and extra premium,if applicable, shall be colected along with the premium amount.

8. Termination of the Membership

The Life Insurance Cover on the life of a Member shall cease on the happening of any of the following events:
The date on which the Policyholder terminates the Policy.

The date on which the Primary Member is no more eligible to be a member of the group, as per the Scheme Rules.

Bajaj Allianz Life Insurance Company Limited

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

The date on which the Primary Member or, in case of joint life cover, the first of Primary Member and the Spouse completes
the age of 70 years.
On death of the Primary Member or, in case of joint life cover, on first death of the Primary Member and the Spouse.
At the end of the Grace Period, on non-payment of Premium before the expiry of the Grace Period during the term of the
Policy.
The insurer terminating the contract by giving 90 days notice to master policy holder

9. Contact details of the Company/Agent

Claims can be referred at any of the BALIC branches in India. Claims can also be sent to Bajaj Allianz Life Insurance
Company.Limited through the Master Policyholder or directly to
Bajaj Allianz Life Insurance Company, IRDAI Regn.No.:116, Corporate Identity Number: U66010PN2001PLC015959
BAJAJ ALLIANZ HOUSE, Airport Road, Yerawada,
Pune 411006. Tel:(020) 6602 6777. | Fax: (020) 66026789
For any queries you can contact customer care centre: BSNL//MTNL (Toll Free) 180022 5858 (Toll Free) 1800209 5858

You can send an email to customercare@bajajallianz.co.in, Web Site: www.bajajallianzlife.com

For more terms and conditions on the policy, please refer to Master policy bond available with the Master Policy Holder.Please
find below Broker's/Agent's/Intermediary details:

Your Agent's details

Agent Code : DIRECT

Agent name DIRECT

Contact No: 1800 22 5858

Email : customercare@bajajallianzlife.co.in
10. Grievance Redressal and Ombudsman

In case you have any query or complaint/grievance, you may register your complaint/grievance on our website at the link
http://general.bajajallianz.com/BagicNxt/misc/iTrack/onlineGrievance.jsp or get in touch with the Operations in-charge at the
branch office mentioned in the policy document provided to you or any of our nearest branch office.Bajaj Allianz Life Insuran ce
Company Ltd.,
BAJAJ ALLIANZ HOUSE, Airport Road,
Yerawada, Pune 411006
Contact No:_ Toll Free No. 1800225858,By Fax : 020-6602-6789

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

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

Bajaj Allianz Life Insurance Company Limited

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

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

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

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

d) Also please note that as per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to
theOmbudsman can be made.
i) Only if the grievance has been rejected by the grievance redressal mechanism of the Company.
ii)The complaint should be filed within a period of one year from the date of rejection by the Company.iii) The

complaint should not be simultaneously under any litigation.

For Bajaj Allianz Life Insurance Company Limited

Mr. Kayzad Hiramanek

Annexure
Office of the Ombudsman Contact Details Areas of Jurisdiction

AHMEDABAD Insurance Ombudsman, Gujarat , UT of Dadra &

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

CHANDIGARH Insurance Ombudsman, Punjab , Haryana, Himachal

Office of the Insurance Ombudsman, Pradesh, Jammu & Kashmir
S.C.O. No.101-103, 2nd Floor, Batra Building. , UT of
Sector 17-D, CHANDIGARH-160 017. Chandigarh
Tel.:- 0172-2706468 / Fax : 0172-2708274
Email : ombchd@yahoo.co.in

Bajaj Allianz Life Insurance Company Limited

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

CHENNAI Insurance Ombudsman, Tamil Nadu, UTPondicherry

Office of the Insurance Ombudsman, Town
Fathima Akhtar Court, 4th Floor, 453 (old 312), and Karaikal (which are part
Anna Salai, Teynampet, CHENNAI-600 018. of UT of Pondicherry)
Tel.:- 044-24333668 /5284 /Fax : 044-24333664
Email : insombud@md4.vsnl.net.in
NEW DELHI Insurance Ombudsman, Delhi & Rajasthan
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Bldg.,
Asaf Ali Road, NEW DELHI-110 002.
Tel.:- 011-23239633 / Fax : 011-23230858
Email : iobdelraj@rediffmail.com
GUWAHATI Insurance Ombudsman, Assam , Meghalaya,
Office of the Insurance Ombudsman, Manipur,
Jeevan Nivesh, 5th Floor, Near Panbazar Overbridge, Mizoram, Arunachal
S.S. Road, GUWAHATI-781 001 (ASSAM). Pradesh,
Tel.:- 0361-2132204/5 / Fax : 0361-2732937 Nagaland and Tripura
Email : ombudsmanghy@rediffmail.com
HYDERABAD Insurance Ombudsman, Andhra Pradesh, Karnataka
Office of the Insurance Ombudsman, and
6-2-46, 1st Floor, Moin Court, A.C. Guards, Lakdi-Ka-Pool, UT of Yanam a part of the
HYDERABAD-500 004. UT of
Tel : 040-65504123 / Fax: 040-23376599 Pondicherry
Email : insombudhyd@gmail.com
KOCHI Insurance Ombudsman, Kerala , UT of (a)
Office of the Insurance Ombudsman, Lakshadweep ,
2nd Floor, CC 27/2603, Pulinat Bldg., (b) Mahe a part of UT of
Opp. Cochin Shipyard, M.G. Road, ERNAKULAM-682 015. Pondicherry
Tel : 0484-2358759 / Fax : 0484-2359336
Email : iokochi@asianetindia.com

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

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

LUCKNOW Insurance Ombudsman, Ut tar Prades handU

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

Bajaj Allianz Life Insurance Company Limited

Head office, BAJAJ ALLIANZ HOUSE, Airport Road, YERAWADA PUNE 411 006, MAHARASHTRA Tel.No.:020 6602 6777 7
Bajaj Allianz Group Accelerated Critical Illness Rider
UIN: 116B026V03

Terms and Conditions

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

Bajaj Allianz Life Insurance Company Limited

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

3. OPEN CHEST CABG

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

Bajaj Allianz Life Insurance Company Limited

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

11. ALZHEIMERS DISEASE

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

Bajaj Allianz Life Insurance Company Limited

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

Other Terms and Conditions

All other General Conditions relating to Nomination, payment of premium, e ffect of non-payment of premium, Non Forfeiture, Revival
are as per the base Policy.

Bajaj Allianz Life Insurance Company Limited

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