Max Life Comprehensive Accident Benefit Rider
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1 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider Abut Max Life Insurance Max Life Insurance, ne f the leading life insurers, is a jint venture between Max India Ltd. and Mitsui Sumitm Insurance C. Ltd. Max India is a leading Indian multi-business crprate, while Mitsui Sumitm Insurance is a member f MS&AD Insurance Grup, which is amngst the tp general insurers in the wrld. Max Life Insurance ffers cmprehensive life insurance and retirement slutins fr lng-term savings and prtectin. A financially stable Cmpany with sund investment expertise, Max Life Insurance has a strng custmer-centric apprach fcused n advice based sales and quality service. Max Life Cmprehensive Accident Benefit Rider: Prtect yur family s future Yu are planning t prtect the financial future f yur family. Yu have bught a life insurance plicy which ensures the lng-term benefits fr yu and yur family. Hwever, life is full f uncertainties! Yu certainly dn t want an accident t make a dent in yur financial planning. We at Max Life Insurance understand this, which is why we ffer yu a slutin t make yur prtectin planning mre cmprehensive. Yu can add a Max Life Cmprehensive Accident Benefit Rider t yur life insurance plicy t prvide additinal prtectin against an unfrtunate accident. This rider prvides additinal prtectin benefits in case yu meet with an accident, leading t dismemberment r death. The benefits under this rider are payable ver and abve the base plan benefits. Max Life Cmprehensive Accident Benefit Rider at a Glance Max Life Cmprehensive Accident Benefit Rider Type f Rider Rider Term Nn Linked, Nn Participating Rider 10 years t 35 years. The term f the rider shall be equal t r less than the term f the base plan Premium Payment Term Entry Ages Maximum Maturity Age The Premium Payment Term f the rider shall be equal t r less than the term f the base plan Minimum 18 years (as at last birthday) Maximum - 60 years (as at last birthday) 75 years (as at last birthday) Annual, Semi-Annual, Quarterly & Mnthly Mdal Factrs: Premium Mdes Annual Semi-annual Quarterly Mnthly Minimum Sum Assured Rs. 50,000 Please nte that mdal factrs are applied fr mdes ther than annual mde t cver fr the lss f interest arising ut f plicyhlder nt paying the entire premium upfrnt.
2 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider Max Life Cmprehensive Accident Benefit Rider Maximum Sum Assured Premium Rate (per annum) Rs. 1 Crre per life (subject t a maximum sum assured under the base plan). Rs. 63 per Lac f Sum Assured. The premium rate des nt vary with the age r gender f the Life Insured. In case f nn receipt f premiums up t the expiry f grace perid, the rider will lapse and n benefits shall be payable. Once the rider has lapsed, it can nly be revived within a revival perid f tw years frm the due date f first unpaid premium subject t fllwing cnditins: Lapse and Revival The plicyhlder giving the Cmpany a written request t revive the rider; and Plicyhlder paying all verdue premiums, tgether with interest and / r late fee determined by the Cmpany frm time t time; and The Life Insured prducing an evidence f insurability at his/her wn cst which is acceptable t the Cmpany The revival f the rider shall take effect nly after revival f the rider is apprved by Max Life Insurance basis the Bard apprved underwriting plicy and cmmunicated t the plicyhlder in writing. Surrender Benefit Maturity Benefit Cash Value If a lapsed rider is nt revived within tw years, the rider shall be terminated and n value is payable t the plicyhlder. Nt Applicable Nt Applicable This Rider des nt ffer any cash value Benefits Payable: The benefits under is rider are payable under any f the fllwing events: A. Death due t an accident: While the base plicy and rider is in frce, if the Life Insured dies due t an Accident, the Rider Sum Assured will be payable, upn apprval f claim. Death by Accident means death is caused by vilent, accidental, external and visible means as revealed by an autpsy prvided such death was caused directly by such accident, and independent f any physical r mental illness within 180 days f the date f accident. An Accident means sudden, unfreseen and invluntary event caused by external, visible and vilent means Or B. Dismemberment due t an accident: While the Base Plicy and Rider is in frce, the Rider Sum Assured will be payable, if the Life Insured meets with an accident which, within 180 days frm the happening f such accident and independent f all ther causes, results in life insured being subject t ne (r mre) f the fllwing impairments due t injury: Irrecverable lss f entire sight in bth eyes r
3 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider amputatin r lss f use, f bth hands at r abve the wrists r amputatin r lss f use, f bth feet at r abve the ankles r amputatin r lss f use, f ne hand at r abve the wrist and ne ft at r abve the ankle Fllwing a Cmprehensive Accident Benefit Rider claim due t dismemberment r death, the rider terminates. Hw des the Max Life Cmprehensive Accident Benefit Rider wrk fr yu? Mr. Kumar is a 35-year-ld salaried prfessinal, is married, and the cuple has a 4-year-ld child. He is a respnsible individual wh always takes care f his family. In rder t plan fr his family s financial security, he buys Max Life insurance plicy (Rs. 50 lacs sum assured with 20 years term), n his life with nminee as his wife. Further, in rder t ensure additinal prtectin against accident, he als buys Max Life Cmprehensive Accident Benefit Rider (Rs. 20 lacs sum assured with 20 years term) at a nminal incremental price. Here are the fllwing scenaris that can nw happen during the curse f the plicy f Mr. Kumar Scenari Rider Benefit Plicy Benefit Mr. Kumar meets with a rad accident and unfrtunately lses bth his limbs (ne f the listed dismemberment cnditins) Rider sum assured f Rs. 20 lacs is paid t Mr. Kumar immediately upn apprval f claim rider cntract terminates Mr. Kumar cntinues t enjy the benefits under the base plicy. Mr. Kumar meets with a rad accident and dies due t injuries suffered in it. Rider sum assured f Rs. 20 lacs is paid t Mrs. Kumar immediately upn apprval f claim and the rider cntract terminates. Base Plicy sum assured f Rs. 50 lacs is paid t Mrs. Kumar immediately upn apprval f claim and the plicy cntract terminates. Mr. Kumar meets with a rad accident and unfrtunately lses bth his limbs (ne f the listed dismemberment cnditin). Mr. Kumar applies fr the dismemberment benefit under the rider. After 10 mnths f suffering dismemberment, Mr. Kumar meets with anther accident and dies due t the injuries suffered in it. Rider sum assured f Rs. 20 lacs is paid t Mr. Kumar immediately upn apprval f dismemberment claim and the rider cntract expires. N additinal benefits are paid t Mrs. Kumar n the death f Mr. Kumar. Base Plicy sum assured f Rs. 50 lacs is paid t Mrs. Kumar immediately upn apprval f death claim.
4 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider Imprtant Ntes 1. Kindly nte that the abve scenaris are nly examples and d nt in any way create any rights and/r bligatins. 2. Yu may be entitled t certain applicable tax benefits n yur premiums and Rider benefits. Please nte that all the tax benefits are subject t tax laws prevailing at the time f payment f premium r receipt f benefits by yu. It is advisable t seek an independent tax cnsultatin. 3. Extra premium will be charged fr substandard lives as per cmpany s underwriting plicy. Few imprtant terms and cnditins: (Fr ther terms and cnditins, please refer t the Rider cntract. Yu may als refer t ur website r request yur intermediary fr giving detailed presentatin f the rider befre cncluding the sale.) Tax Benefits: Yu may be entitled t certain tax benefits n yur premiums and Rider benefits. Please nte all the tax benefits are subject t tax laws prevailing at the time f payment f premium r receipt f benefits by yu. Tax Benefits are subject t changes in the tax laws. It is advisable t seek an independent tax cnsultatin. Statutry impsitins: Premiums payable and benefits secured under yur rider will be subject t applicable statutry levy, cess and taxes including service tax at the prevailing rates and yu will be respnsible fr paying these statutry impsitins. Exclusins: Ntwithstanding anything t the cntrary stated in the table abve, the life assured will nt be entitled t any accidental benefit directly r indirectly, vluntarily r invluntarily due t r caused, ccasined, accelerated r aggravated by any f the fllwing: Suicide r attempted suicide r intentinal self-inflicted injury, by the life insured, whether sane r nt at that time. Life insured being under the influence f drugs, alchl, narctics r psychtrpic substance, nt prescribed by a Registered Medical Practitiner. Injuries resulting frm war (declared r un-declared), invasin, civil war, rits, revlutin r any war like peratins. Participatin by the life insured in a criminal r unlawful act with criminal intent. Service in military / para military, naval, air frces r Plice rganizatins f any cuntry in a state f war (declared r undeclared) r f armed cnflict. Participatin by the insured persn in any flying activity ther than as a bna fide passenger (whether paying r nt), in a licensed aircraft prvided the life insured des nt, at the time, have any duty n bard such aircraft. Engaging in r taking part in prfessinal sprt(s) r any hazardus pursuits, including but nt limited t, diving r riding r any kind f race; underwater activities invlving the use f breathing apparatus r nt; martial arts; hunting; muntaineering; parachuting; bungee jumping The radiactive, explsive r hazardus nature f nuclear fuel materials r prperty cntaminated by nuclear fuel materials r accident arising frm such nature.
5 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider Prhibitin f Rebates: Sectin 41 f the Insurance Act, 1938 states: n persn shall allw r ffer t allw, either directly r indirectly, as an inducement t any persn t take r renew r cntinue an insurance in respect f any kind f risk relating t lives, r prperty, in India, any rebate f whle r part f the cmmissin payable r any rebate f the premium shwn n the plicy, nr shall any persn taking ut r renewing r cntinuing a plicy accept any rebate, except such rebate as may be allwed in accrdance with the published prspectus r tables f insurer. Prvided that acceptance by an insurance agent f cmmissin in cnnectin with a plicy f life insurance taken ut by himself n his wn life shall nt be deemed t be acceptance f rebate f premium within the meaning f this sub sectin if at the time f such acceptance the insurance agent satisfies the prescribed cnditins establishing that he is a bnafide insurance agent emplyed by the insurer. Any persn making default in cmplying with the prvisins f this sectin shall be punishable with fine which may extend t five hundred rupees subject t prevailing laws. Full Disclsure & Incntestability: This rider has been issued n the representatin f the prpser that he has made full disclsures f all relevant facts and circumstances. In case f fraud r misrepresentatin, the cmpany reserves the right t cancel the rider, subject t fraud r misrepresentatin being established by the cmpany in accrdance with sectin 45 f the Insurance Act, Sectin 45 f the insurance Act, 1938 states that under the prvisins f Sectin 45 f the insurance Act, 1938, N plicy f life insurance effected after the expiry f tw years frm the date n which it was effected be called in questin by an insurer n the grund that a statement made in the prpsal fr insurance r in any reprt f a medical fficer, r referee, r friend f the insured, r in any ther dcument leading t the issue f the plicy, was inaccurate r false, unless the insurer shws that such statement was n a material matter r suppressed facts which it was material t disclse and that it was fraudulently made by the prpser and that the prpser knew at the time f making it that the statement was false r that it suppressed facts which it was material t disclse. Prvided that nthing in this sectin shall prevent the insurer frm calling fr prf f age at any time if he is entitled t d s, and n plicy shall be deemed t be called in questin merely because the terms f the plicy are adjusted n subsequent prf that the age f the Life Insured was incrrectly stated in the prpsal. Free Lk Perid: Yu have a perid f 30 (Thirty) days frm the date f receipt f the Base Plicy alngwith this Rider t review the terms and cnditins f this Rider. If Yu disagree t any f the terms r cnditins f this Rider, Yu have an ptin t return the riginal Base Plicy alngwith this Rider t Us by stating the bjectins/reasns fr such disagreement. Upn return f the Base Plicy alngwith this Rider by yu, this Rider shall terminate frthwith and all rights, benefits and interests under this Rider shall cease immediately. We will nly refund the Rider Premium (inclusive f extra Rider Premiums and excluding taxes, if any) received by Us, after deducting the prprtinate risk Rider Premium fr the perid f insurance cverage, charges f stamp duty paid and the expenses incurred n the Life Insured s medical examinatin, if any Grace Perid: A grace perid f thirty (30) days frm the premium due date fr payment f each premium will be allwed. During the grace perid the Cmpany will accept the premium withut interest. The insurance cverage cntinues during the grace perid but if the Life Insured dies during the grace perid, the Cmpany shall be entitled t deduct the unpaid Premium frm the benefits payable under the Rider. Nminatin: Same as the base plicy.
6 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider Assignment: The Rider r the benefit under the Rider cannt be assigned by the Plicy Hlder independent f the Base Plicy. If the base plicy is assigned by the plicyhlder, the Rider and the benefits under the Rider shall stand assigned alng with the base plicy. Imprtant Ntes: This is nly a sales literature. It des nt purprt t be a cntract f insurance and des nt in any way create any rights and/r bligatins. All the benefits are payable subject t the terms and cnditins f the Rider. Extra Premium may be charged fr unhealthy lives. Benefits are available prvided all premiums are paid, as and when they are due. Service Tax, Educatin Cess and any ther statutry levies wuld be levied as per applicable laws. Insurance is the subject matter f slicitatin. Life Insurance Cverage is available in this Prduct. All Rider benefits are subject t rider being in frce. Shuld yu need any further infrmatin frm us, please d nt hesitate t cntact n the belw mentined address and numbers. We lk frward t have yu as a part f the Max Life family. Cmpany Website Registered Office Max Life Insurance Cmpany Limited Max India, Max Huse, 3rd Flr, 1 Dr. Jha Marg, Okhla New Delhi Tel: (011) Office Address Max Life Insurance Cmpany Limited Plt N. 90A, Sectr 18, Gurgan , Haryana, India. Tel N.: (0124) Custmer Services Numbers (accessible frm all service prviders including mbiles) (accessible frm BSNL and MTNL) (Custmer Service Timings: 7:30 AM - 11:00 PM Mnday t Saturday (except Natinal hlidays) Disclaimers: Max Life Insurance Cmpany Limited is a Jint Venture between Max India Limited and Mitsui Sumitm Insurance C. Ltd. Max Life Insurance C. Ltd., 11th Flr, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurgan (Haryana) Benefits are available prvided all premiums are paid, as and when they are due. Service Tax, Educatin Cess and any ther statutry levies wuld be levied as per applicable laws. Life Insurance Cverage is available in this Prduct. All Rider benefits are subject t rider being in frce. Tax
7 Max Life Cmprehensive Accident Benefit Rider A Traditinal Nn Linked, Nn Participating Rider benefits are subject t change in tax laws. Insurance is the subject matter f slicitatin. This is a sales Brchure and des nt in any way create any rights and/r bligatins. IRDA - Registratin N ARN: MaxLife/Brchure/Indig/OTP/Sept2014/144 Visit us at: Cntact tll-free numbers: (fr MTNL & BSNL lines) r (frm ther service prviders) r SMS Life t BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDA clarifies t public that IRDA r its fficials d nt invlve in activities like sale f any kind f insurance r financial prducts nr invest premiums. IRDA des nt annunce any bnus. Public receiving such phne calls are requested t ldge a plice cmplaint alng with details f phne call, number.
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