Help your customers protect their assets. And their peace of mind. Group Secure
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- Branden Milton Simpson
- 8 years ago
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1 Help your customers protect their assets. Ad their peace of mid. empowered Make the right choice with Caara HSBC Orietal Bak of Commerce Life Isurace Group Secure Mitigate the risk of loa recovery i the evet of the death/disability of the borrower Oe stop solutio to meet credit & isurace eeds of your customers Rebate for females & joit borrowers Ask your Bak Brach Staff for Life Isurace solutios Purchase of ay isurace products by a bak's customer is purely volutary ad is ot liked to availmet of ay other facility from the bak.
2 CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE INSURANCE GROUP SECURE Their ow house, their dream car, the best educatio for their childre, the latest utilities to make life comfortable - this is what your customers would dream of for themselves ad their families. You proactively pla for your customers, secure them by providig meas to meet their desired eeds. You provide various solutios through which they walk the path to reach their dreams. But with ucertaities of life, there always eists a fear i your customers mid of the ufortuate circumstaces where their families might be left with a legacy of liabilities, whe they are ot aroud. For the fiacial protectio of your customers, Caara HSBC Orietal Bak of Commerce Life Isurace Co. Ltd. proudly presets Group Secure, a pla that will allow your customers to fulfill their dreams while their loved oes remai protected from the liability if they are ot aroud. The pla ca be offered to customers of fiacial istitutios/ baks/ co-operative baks/other ledig istitutios providig various types of loas like home loas, vehicle loas (Car, 2-Wheeler, commercial vehicle), educatio loas, persoal loas, loa agaist property ad busiess loas. ABOUT US Caara HSBC Orietal Bak of Commerce Life Isurace Compay Limited is a Compay formed joitly by three leadig fiacial orgaizatios - Caara Bak ad Orietal Bak of Commerce, two of Idia's largest atioalized baks i terms of aggregate busiess ad HSBC Isurace (Asia Pacific) Holdigs Limited. The shareholdig patter of the Joit Veture is as follows Caara Bak-51%, HSBC Isurace (Asia Pacific) Holdigs Limited-26% ad Orietal Bak of Commerce-23%. Our aim is to provide you with a trasparet rage of Life Isurace products backed by ecellet customer service. We wat to make life simple for you. WHAT ARE YOUR ADVANTAGES AS THE MASTER POLICYHOLDER, UNDER THIS PLAN? A complemetary offerig to your loa ad other bakig products which will be valued by your customers ad provide them fiacial security. I case of Death or Total Permaet Disability (TPD, if opted for) of your borrower, we will pay the sum assured i the ame of the Master Policyholder/ Isured Member/Nomiee/Legal heirs as the case may be. WHAT ARE THE ADVANTAGES TO YOUR CUSTOMERS UNDER THIS PLAN? Peace of mid I the ufortuate evet of your borrower s Death/TPD, the isurace cover will protect his/her family Meetig credit ad isurace eeds with oe solutio Risk coverage Optio to choose betwee a) Death cover oly or b) Death ad TPD cover. Death ad TPD cover optio will oly be offered to Home loa, Loa Agaist Property (LAP), Educatio loa ad 4 wheeler loas Availability of two coverage optios amely, Level Cover (death/ TPD cover remais same throughout the term of the cover) or Reducig Cover (the death/ TPD cover reduces over the term of the cover) Joit borrowers (up to three) are also covered Rebates are available for females, ad joit borrowers, which could further reduce the Customers ca fiace the through master policyholder by addig the amout to their loa ad spread the cost through equated mothly istallmets (EMIs). For eample if loa amout is `10, 00,000 ad isurace is `15,000; the the customer ca take loa for `10, 15,000 (loa amout + isurace ) from the leder ad EMI will be fied for `10, 15,000 istead of `10, 00,000 1 Isured member may be etitled for ta beefits uder Sectio 80C ad Sectio 10(10D), as per the Icome ta Act, 1961 WHAT ARE THE ELIGIBILITY CRITERIA^? Criteria Etry Age (last birthday) Miimum 18 years for all kids of loas other tha Educatio Loa;12 years for Educatio Loa; 18 years for Total ad Permaet Disability (TPD) beefit Maimum 64 years Cover Ceasig Age - 69 years Loa Type Maimum Cover Term (years) Home /LAP 30 Cover Term 2 years for Sigle ad 5 years for Regular ad Limited optio. Educatio/4 Wheeler/ Busiess loa 15 Persoal/ Commercial vehicle/2 Wheeler 10 Sum Assured ` 10,000 No limit* Group Size 50 No limit ^ The eligibility criteria may vary based o scheme rules withi the above limits. * There is o upper limit o the basic Sum Assured i case of Death cover oly optio. However i case of Death ad TPD optio, the Sum Assured will be limited to a maimum of `10,000,000 per member. WHAT ARE THE PREMIUM PAYMENT OPTIONS AVAILABLE IN THIS PLAN? Sigle Regular (miimum Policy Term for this optio is 5 years) Limited (pay for 5 years) Level Cover Not Not Reducig Cover Not Further, regular ad limited optios will oly be allowed to provide cover agaist Home loa ad Loa agaist Property. 1 Ta beefits uder the policy will be as per the prevailig Icome Ta laws ad are subject to amedmets from time to time. For ta related queries, cotact your idepedet ta advisor.
3 WHAT ARE THE VARIOUS TYPES OF BENEFITS UNDER THIS PLAN? 1) Death beefit I case of ufortuate demise the member durig the term of the pla, the sum assured would be payable. 2) TPD Beefit: I case the member suffers from Total ad Permaet Disability durig the term of the pla, the sum assured would be payable. The cover for the member will termiate o occurrece Death or TPD whichever is earlier. TPD shall mea the occurrece of ay of the followig coditios as a result of accidetal bodily ijury, sickess or disease: - Total ad irrecoverable loss of sight of both eyes. The blidess must be cofirmed by a Ophthalmologist; OR - Loss of use or loss by severace of two or more limbs at or above wrists or akles; OR - The total ad irrecoverable loss of sight of oe eye ad loss of use or loss by severace of oe limb at or above wrist or akle. The above disability must have lasted, without iterruptio, for at least si cosecutive moths from the date of diagosis ad must, i the opiio of a qualified medical practitioer appoited by the Compay, be deemed permaet. If as a result of accidetal bodily ijury, sickess or disease, there is a total ad permaet disability resultig i total ad irrecoverable loss of use of two or more limbs as metioed i the beefit (icludig coma) for at least si cosecutive moths, the beefit becomes payable. Accidet meas a evet resultig solely from sudde, uepected, violet eteral force, idepedetly of ay other cause. Accidetal Ijury meas bodily ijury of the isured caused solely, directly ad idepedetly of ay other iterveig causes from a accidet (i.e. a traumatic evet of violet, uepected, eteral ad visible ature). The loss of use of a limb is cosidered as a loss of use whe such loss of use ivolves total ad permaet loss of fuctio of the limb affected as determied by a registered medical practitioer omiated by the Compay. WHAT IS THE SUM ASSURED UNDER THIS PLAN? For Level cover: The sum assured is costat throughout the cover term ad is equal to the Iitial Sum Assured. The Iitial Sum Assured will be the amout of cover opted for by the member (as stated i the membership form). For Reducig cover: Sum assured reduces based o the term of cover, iterest rate ad the Iitial Sum Assured. The reductio i sum assured patter durig the term of coverage is fied for the member at the time of issuace of Certificate of Isurace (COI). The Compay s liability uder the policy shall be limited to the etet of death/tpd beefit (Sum Assured at the time of death/tpd as per the defied schedule specified at the outset i the certificate of isurace) ad the Compay shall ot be liable for ay shortfall of such beefit over the loa outstadig. ARE JOINT BORROWERS ALLOWED? Yes, a maimum of 3 joit borrowers are allowed There are 2 optios for joit borrowers: i. Optio 1: Joit Basis: Each of the joit borrowers will be isured for 100% of the sum assured. I case claim is paid for deceased joit borrower, cover ceases for the survivig joit borrower(s). ii. Optio 2: Loa Share Basis: Each of the joit borrowers is isured up to his/her share of loa as metioed i the membership form. If the claim is paid o death/occurrece of TPD of a joit borrower, the the Isurace Cover shall cease oly for that Isured Member. However, the Isurace Cover shall cotiue for the survivig Joit Borrower(s) to the etet of their share(s) at the same agreed at the time of issuace of the Certificate of Isurace. CAN MASTER POLICYHOLDER SURRENDER THE MASTER POLICY? The Master Policyholder ca termiate the Master Policy at ay time. I such case, the eistig members will be give optio to surreder his/her membership as per terms ad coditios metioed below. The remaiig members who do ot opt for surreder of cover will be serviced by us o the basis of eistig data of members till the eit of last member. WHAT DOES THE MEMBER RECEIVE IN CASE OF FORECLOSURE OF LOAN? A surreder value is payable provided the member repays the outstadig loa amout i full ad submits a surreder request with the compay. However, i sigle optio, the surreder beefit will be available from the ed of first year ad i case of limited optios, the surreder beefit will be available oly after three years have elapsed provided have bee paid for a miimum of three years. The surreder beefit is give i the table below: Level Sum Assured Reducig Sum Assured Sigle 60% Sigle [Uepired term/ Cover Term] [Reduced Sum Assured/Iitial Sum Assured] Regular No surreder value is payable Limited 60% s paid [Uepired term/ Cover Term] [Reduced Sum Assured/Iitial Sum Assured]
4 ARE THERE ANY REBATES AVAILABLE? Followig rebates are available to further reduce the : For Female lives - 3 years age set back is give to the rates. Joit borrower rebate for Joit basis optio: Rebate (%age of ) o yougest Life Assured Premium paymet optio Two lives Three lives Sigle 15% 25% Regular & Limited 5% 10% However, i case of female lives, a additioal 3 years age set back is give to the rates. WHAT ARE THE OTHER FEATURES OF THIS PLAN? Both ew ad eistig loas ca be covered subject to uderwritig. Moratorium period: For loas with a moratorium period, the cover term will also iclude the moratorium period ad durig the moratorium period the cover may be level or icreasig as per the terms ad coditios agreed with the Master Policyholder. Maimum moratorium period allowed i this pla is 5 years. Please ote that for cover will be payable from the iceptio oly irrespective of whether loa EMI has started or ot. The borrower ca choose ay cover term up to the origial loa term. Further, he/she ca also choose ay sum assured up to 120% of the loa amout. Please cotact the Compay for more details. Cover cotiuace optio: The member will have the optio to cotiue the isurace cover after foreclosure of the loa for the remaiig teure as per origial terms ad coditios. Premium paymet modes for regular / limited (through ECS mode) Yearly/Half-yearly / Quarterly / Mothly. For modes other tha the yearly mode, istalmet s shall be calculated as give below: Half-yearly = Aual *0.51 Quarterly = Aual *0.26 Mothly = Aual *0.09 Grace period for Yearly/Half-yearly/Quarterly mode: 30 days; for Mothly mode: 15 days. Revival period: For Regular/Limited, if s are ot paid withi the grace period, the cover for the member will lapse. No coverage will be provided after the grace period i case the cover lapses. However, members have the optio to reistate the cover withi 2 years from the date of first upaid. The compay reserves the right to reistate the cover based o uderwritig decisio. Free Look cacellatio: I case, the master policyholder/ member does ot agree with the terms ad coditios of the cotract, the master policyholder/ member has the optio to request for cacellatio of the Master Policy/ certificate of isurace with a writte request to the Compay statig the reasos for objectio withi 15 days from the receipt of master policy/ certificate of isurace. The to be refuded i case of free look cacellatio shall be computed as follows: Premium (Pro-rata risk + Stamp duty + Medical epeses, if ay) Please ote this pla will ot be sold through Distace Marketig. WHAT ARE THE EXCLUSIONS UNDER THE PLAN? Suicide: If the member commits suicide, whether sae or isae, withi oe year from the date of commecemet of the isurace cover, the Compay shall refud 80% of the s paid ad withi oe year from the date of reistatemet of cover, the Compay shall pay higher of 80% of the s paid till the date of death or the surreder value as available o the date of death ad all coverage for that member will automatically cease. 45 days waitig period: Durig the first 45 days from the date of commecemet of member s cover oly (ad ot o reistatemet of cover for that member), the Compay shall ot be liable to pay ay claim ecept a death/tpd claim arisig o accout of a accidet ad the Compay shall refud the usig the surreder value formula ad all coverage for that member will automatically cease. Eclusios for TPD - TPD arisig directly or idirectly from ay of the followig are specifically ecluded: Ay pre-eistig medical coditio* ot disclosed. Ay sickess related medical coditio which first maifests itself withi 90 days of the commecemet date or reistatemet date of the beefit (oly if reistatemet happes post 90 days of lapse). Disability directly or idirectly, wholly or partly due to a Acquired Immuo-Deficiecy Sydrome (AIDS) or ifectio by ay Huma Immuodeficiecy Virus (HIV). For the purpose of this pla: The defiitio of AIDS shall be that used by the World Health Orgaisatio i 1987, or ay subsequet revisio by the World Health Orgaisatio of that defiitio; ad Ifectio shall be deemed to have occurred where blood tests or other relevat tests idicate, i the opiio of the Compay either the presece of ay Huma Immuo-Deficiecy Virus or atibodies to such a virus. The life assured takig part i ay hazardous sport or pastimes (icludig hutig, moutaieerig, racig, steeple chasig, bugee jumpig, etc). The life assured flyig i ay kid of aircraft, other tha as a boafide passeger (whether fare-payig or ot) o a aircraft of a licesed airlie. Self-iflicted ijury, attempted suicide-whether sae or isae. The life assured beig uder the ifluece or abuse of drugs, alcohol, arcotics or psychotropic substace ot prescribed by a registered medical practitioer. Service i ay military, airforce, aval, paramilitary or similar orgaizatio. War, civil commotio, ivasio, terrorism, hostilities (whether war be declared or ot). The life assured takig part i ay strike, idustrial dispute, riot, etc. The life assured takig part i ay crimial or illegal activity. Nuclear reactio, radiatio or uclear or chemical cotamiatio. * Pre-eistig medical coditio meas a coditio (illess or bodily ijury) for which, prior to the issuace of the cover or prior to the date of reistatemet of this cover:
5 The life assured had sigs or symptoms which would have caused ay ordiary prudet perso to seek treatmet, diagosis or care; or Medical advice or treatmet was recommeded by or received from a physicia; or The life assured had udergoe medical tests or ivestigatios. Ay cogeital disorder, or related illess or complicatio arisig out of or i coectio with a pre-eistig medical coditio, shall be cosidered part of that pre-eistig medical coditio. Sectio 41 of the Isurace Act, 1938 as ameded from time to time: (1) No perso shall allow or offer to allow, either directly or idirectly, as a iducemet to ay perso to take out or reew or cotiue a isurace i respect of ay kid of risk relatig to lives or property i Idia, ay rebate of the whole or part of the commissio payable or ay rebate of the show o the policy, or shall ay perso takig out or reewig or cotiuig a policy accept ay rebate, ecept such rebate as may be allowed i accordace with the published prospectuses or tables of the isurer: Provided that acceptace by a isurace aget of commissio i coectio with a policy of life isurace take out by himself o his ow life shall ot be deemed to be acceptace of a rebate of withi the meaig of this sub-sectio if at the time of such acceptace the isurace aget satisfies the prescribed coditios establishig that he is a boa fide isurace aget employed by the isurer. (2) Ay perso makig default i complyig with the provisios of this sectio shall be liable for a pealty which may eted to te lakh rupees. Sectio 45 of the Isurace Act, 1938 as ameded from time to time will be applicable. For full tet of the provisios of this Sectio, please cotact the Isurace Compay or refer to the policy cotract of this product o our website This is a traditioal, o- participatig Group Isurace Pla. Caara HSBC Orietal Bak of Commerce Life Isurace Compay Limited (IRDAI Reg.No.136) Registered Office: C31 ad C32, First Floor, Coaught Circus, New Delhi Corporate Office: 2d Floor, Orchid Busiess Park, Sector-48, Soha Road, Gurgao , Haryaa, Idia Corporate Idetity No.: U66010DL2007PLC Website: Call: / (BSNL/MTNL), Missed Call: SMS: customerservice@caarahsbclife.i BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that: IRDAI or its officials do ot ivolve i activities like sale of ay kid of isurace or fiacial products or ivest s. IRDAI does ot aouce ay bous. Public receivig such phoe calls are requested to lodge a police complait alog with details of phoe call, umber. Trade Logo of Caara HSBC Orietal Bak of Commerce Life Isurace Compay Limited is used uder licese with Caara Bak, HSBC Holdigs plc ad Orietal Bak of Commerce. Isurace is the subject matter of the solicitatio. UIN: 136N024V02 BRONJGSECV1CHO SEP15ENG
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