Secure Your Family's Financial Future

with a Term Plan

• Register your claim online
  

• Upload the necessary documents to proceed further.

• Your claim shall be assessed by Bajaj Allianz Life Insurance.

• After complete assessment, the final claim decision shall be made.

No benefit will be payable in respect of any condition arising directly or indirectly from, through or in consequence of the following exclusions:

• Injury occurred before the Date of Commencement of Risk. This exclusion means for the insured to be eligible for this benefit the injury/accident leading to death should happen during the policy period
• Suicide or attempted suicide or intentional self-inflicted injury, by the life insured, whether sane or not at that time.
• Life assured being under the influence of drugs, alcohol, narcotics or psychotropic substance, not prescribed by a Registered Medical Practitioner
• War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strike or industrial action.
• Participation by the life assured in a criminal or unlawful act or committing any breach of law with criminal intent including involvement in any fight or affray.
• Treatment for injury or illness caused by avocations/ activities such as hunting, mountaineering, steeplechasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
• Any underwater or subterranean operation or activity. Racing of any kind other than on foot
• Existence of any sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus (HIV).
• Services in any military, air force, naval, police, paramilitary or similar organization including service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order,
• Participation by the insured person in any flying activity other than as a bona fide passenger (whether paying or not), in a licensed aircraft provided the life insured does not, at the time, have any duty on board such aircraft. Crew members and pilots for passenger carrying commercial flights are excluded under this exclusion unless they are bonafide passengers.
• Physical handicap or mental infirmity
• Unreasonable failure to seek medical advice, , the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this Policy.
• Nuclear reaction, Radioactive or chemical contamination due to nuclear accidents.

No benefits shall be payable as ATPD benefit for any disease or losses caused or aggravated directly or indirectly, wholly or partly by any one of the following:

• Any medical condition which first manifests itself within 90 days of the Date of Commencement of Risk or date of latest revival, if any.
• Any Pre existing diseases. Pre-Existing is defined as condition for which the Life Assured had signs, or symptoms, and/or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the Date of Commencement of Risk or date of latest revival (if any), whichever is later.
• Any congenital disorder, or illness related to congenital disorder or complication arising out of congenital disorder.
• Suicide or attempted suicide or intentional self-inflicted injury, by the life insured, whether sane or not at that time.
• Life assured being under the influence of drugs, alcohol, narcotics or psychotropic substance, not prescribed by a Registered Medical Practitioner
• War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strike or industrial action.
• Participation by the life assured in a criminal or unlawful act or committing any breach of law with criminal intent including involvement in any fight or affray.
• Treatment for injury or illness caused by avocations/ activities such as hunting, mountaineering, steeplechasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
• Any underwater or subterranean operation or activity. Racing of any kind other than on foot
• Existence of any sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus (HIV).
• Services in any military, air force, naval, police, paramilitary or similar organization including service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order,
• Participation by the insured person in any flying activity other than as a bona-fide passenger (whether paying or not), in a licensed aircraft provided the life insured does not, at the time, have any duty on board such aircraft. Crew members and pilot for passenger carrying commercial flight are excluded under this exclusion unless they are bonafide passengers
• Physical handicap or mental infirmity
• Unreasonable failure to seek medical advice, the Life assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restrictions applying to this Policy.
• Nuclear reaction, Radioactive or chemical contamination due to nuclear accidents.

Apart from the disease specific exclusions given along with definitions of diseases (refer ‘Definition’), no benefit will be payable if the CI is caused or aggravated directly or indirectly by any of the following:

• Any of the listed CI conditions which first manifests itself within 90 days of the Date of Commencement of Risk or date of latest revival (if any), whichever is later.
• Pre existing diseases or conditions connected to a Pre-Existing Condition will be excluded. Pre-Existing is defined as condition for which the Life Assured had signs, or symptoms, and/or were diagnosed, and / or received medical advice / treatment within 48 months to prior to the Date of Commencement of Risk or date of latest revival (if any), whichever is later.
• Any congenital condition
• Suicide or attempted suicide or intentional self-inflicted injury, by the life insured, whether sane or not at that time.
• Life assured being under the influence of drugs, alcohol, narcotics or psychotropic substance, not prescribed by a Registered Medical Practitioner
• War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strikes or industrial action.
• Participation by the Life Assured in a criminal or unlawful act or committing any breach of law with criminal intent including involvement in any fight or affray.
• Treatment for injury or illness caused by avocations/ activities such as hunting, mountaineering, steeplechasing, professional sports, racing of any kind, scuba diving, aerial sports, activities such as hand-gliding, ballooning, deliberate exposure to exceptional danger.
• Any underwater or subterranean operation or activity. Racing of any kind other than on foot.
• Existence of any sexually Transmitted Disease (STD) and its related complications or Acquired Immune Deficiency Syndrome (AIDS) or the presence of any Human Immunodeficiency Virus (HIV).
• Participation by the Life Assured in any flying activity other than as a bona-fide fare-paying passenger, in a licensed aircraft. Crew members and pilots for passenger carrying commercial flights are excluded under this exclusion unless they are bonafide passengers.
• Unreasonable failure to seek or follow medical advice, the Life Assured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this Policy.
• Nuclear reaction, Biological, radioactive or chemical contamination due to nuclear accidents.
• Ayurvedic, Homeopathy, Unani, naturopathy, reflexology, acupuncture, bone-setting, herbalist treatment, hypnotism, rolfing, massage therapy, aroma therapy or any other treatments other than Allopathy/ western medicines.
• Any treatment of a donor for the replacement of an organ