Max Life Group Total and Permanent Disability (Accident) Premier Rider A Non Linked Non Participating Group Rider UIN: 104B030V02 PROSPECTUS
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1 Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider A Nn Linked Nn Participating Grup Rider UIN: 104B030V02 PROSPECTUS Life Insurance Cverage is available in this Rider. Abut Max Life Insurance Max Life Insurance, ne f India s premier nn-bank prmted private life insurer, is a jint venture between Max Financial Services Ltd. and Mitsui Sumitm Insurance C. Ltd. Max Financial Services Ltd. is part f the Max Grup, which is a leading Indian multi-business crpratin, while Mitsui Sumitm Insurance is a member f MS&AD Insurance Grup, which is amngst the leading insurers in the wrld. Max Life Insurance ffers cmprehensive lng term savings, prtectin and retirement slutins thrugh its high quality agency distributin and multi-channel distributin partners. A financially stable cmpany with a strng track recrd ver the last 15 years, Max Life Insurance ffers superir investment expertise. Max Life Insurance has the visin 'T be the mst admired life insurance cmpany by securing the financial future f ur custmers'. The cmpany has a strng custmer-centric apprach fcused n advice-based sales and quality service delivered thrugh its superir human capital. In the financial year , Max Life recrded Grss Written Premium f Rs. 9,216 crre with Sum Assured In frce (Individual) f Rs. 1,88,684 crre and Asset Under Management f Rs. 35,805 crre as n 31 st March Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider at a Glance Type f rider Cverage A Nn-Linked Nn Participating Grup Rider All individuals in accrdance with the Bard Apprved Underwriting Plicy Minimum grup size Entry ages Maximum cver ceasing age Premium mdes Rider Term Minimum annualized premium Maximum annualized premium 10 members fr emplyer-emplyee grups and 50 members fr nnemplyer-emplyee grups Minimum - 18 years (as at last birthday) Maximum - 65 years (as at last birthday) The maximum renewal age fr the rider is 65 years (age last birthday). The maximum cver ceasing age fr the rider is 66 years (age last birthday) as n plicy anniversary The premium payment mde fr the rider is the same as the base plicy premium payment mde. This rider allws annual, halfyearly, quarterly and mnthly premium paying mdes. The mdal factrs are as fllws: Mde Mdal Factr Mde Mdal Factr Annual Quarterly Half Yearly Mnthly year N minimum premium requirement Maximum premium under this rider tgether with ther riders shall Page 1 f 7
2 Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider at a Glance nt exceed 100% f the premium payable under the base plicy, ther than pensin plan, where the rider premium shall nt exceed 15% f the premium payable under ther the base plicy. Minimum: Rs. 5,000 per member Maximum: Rs. 50 lakhs per member subject t rider sum assured nt exceeding sum assured under base plan, and rider premium nt exceeding premium under base plan f the scheme member. Rider sum assured Rider sum assured may be increased r decreased subject t rider sum assured nt exceeding the base plan sum assured f the scheme member, and rider premium nt exceeding premium under base plan f the scheme member. Death benefit This rider des nt ffer any death benefit. The plan is ne-year renewable cntract and des nt carry any surrender value. Hwever, if an individual member exits frm the scheme, premium fr the unexpired perid f risk will be refunded. Surrender benefit Grace perid Free lk Revival f rider In case f nn emplyer-emplyee schemes, if an individual member exits frm the grup, cver will cntinue till the end f the perid f cverage fr which the premium has been received unless specific request is received fr the refund f premium fr the unexpired perid f risk. In bth emplyer emplyee schemes and nn emplyer emplyee schemes, n surrender f the master plicy, an ptin t the individual members f the grup shall be prvided whether t cntinue the cver fr the unexpired perid f risk r t exit frm the scheme in which case we shall be prviding the refund f premium fr the unexpired perid f risk, in accrdance with sectin 35 (l) f the nn-linked prduct regulatins A grace perid f 30 days frm the due date fr payment f each premium will be allwed fr half-yearly and quarterly mdes. A grace perid f 15 days will be allwed fr mnthly mde. During the grace perid, the Cmpany will accept the premium withut interest. During the grace perid, the insurance cver under the rider will cntinue. In the event f ccurrence f the insured event during the grace perid, cnsideratin f the claim is subject t payment f premiums due. Same as base plicy Revival may be allwed within the plicy term f ne year. A plicy lapsed within the plicy term f ne year due t nn-payment f mdal premium can be revived within the plicy year. 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. N benefit is payable in respect f the insured event which ccurred during the perid when the plicy was in lapsed status even thugh the plicy maybe revived. Page 2 f 7
3 Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider at a Glance The rider shall autmatically terminate n the fllwing events whichever ccur first: the base plicy has matured, expired, surrendered, cancelled r terminated fr whatever reasn; r Upn payment f benefit specified; r Terminatin f rider On the death f the Life Insured; r On the anniversary f the base plicy at which the Life Insured is f age sixty six (66) years; r Upn the Plicyhlder s r member s written request as the case may be fr cancellatin f the Rider. Renewal f rider Base plicy renewal cnditins wuld apply. After the expiry f plicy term a fresh qute t the grup Plicyhlder will be issued fr their renewal cnsideratin Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider Benefit In the event f Ttal and Permanent Disability within 180 days frm the date f Accident, subject t exclusins mentined herein, the sum assured pted under this rider will be paid in lump sum during the rider term r thereafter, prvided the base plicy and the rider are in frce at the time f the accident and diagnsis f Ttal and Permanent Disability. The benefit is an additinal payment t the base plicy sum assured and paid nly nce per cver irrespective f ther injuries r disability. A written intimatin f the Accident shuld be given within 30 days f Accident t the insurer. Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider Definitins "Ttal and Permanent Disability" refers t a disability, which: is caused by Bdily Injury resulting frm an Accident, and ccurs due t the said Bdily Injury slely, directly and independently f any ther causes, and ccurs within 180 days f the ccurrence f such Accident but befre the expiry f the cver, and cmpletely, cntinuusly and permanently prevents the Life Insured frm engaging in any wrk, ccupatin r prfessin t earn r btain any wages, cmpensatin r prfit, such cnditin t persist fr at least 6 mnths frm the date f disability, and the lss f bth arms, r f bth legs, r f ne arm and ne leg, r f bth eyes, shall be cnsidered ttal and permanent disability, withut prejudice t ther causes f ttal and permanent disability. Fr the avidance f dubt, the benefit will be paid after 6 mnths frm the date f disability even if the rider term is expired irrespective f the fact whether the plicy is renewed with the cmpany r nt. "Accident" shall mean A sudden, unfreseen and invluntary event caused by external, visible and vilent means. "Bdily Injury" means accidental physical bdily harm excluding illness r disease slely and directly caused by external, vilent and visible and evident means which is verified and certified by a Medical Practitiner Lss f an arm r a leg shall mean physical severance f the arm at r abve the wrist r physical severance f the leg at r abve the ankle which: Page 3 f 7
4 is caused by bdily injury resulting frm an Accident, and ccurs due t the said bdily injury slely, directly and independently f any ther causes, and ccurs within 180 days f the ccurrence f such Accident but befre the expiry f the cver. "Lss f an eye" shall mean ttal and irrevcable lss f sight f an eye which: is caused by bdily injury resulting frm an Accident, and ccurs due t the said bdily injury slely, directly and independently f any ther causes, and ccurs within 180 days f the ccurrence f such Accident but befre the expiry f the cver. Max Life Grup Ttal and Permanent Disability (Accident) Premier Rider Exclusins The Plicyhlder is required t infrm the Cmpany f any change in the ccupatin r prfessin f the Member/s, ccurring during the term f this Rider. Hwever failing t d s will nt lead t rejectin f claim, even if the new ccupatin is amngst the list f excluded ccupatins r prfessins. Basis the new ccupatin r prfessin, the Cmpany shall have the right t charge an amunt equal t additinal premium payable frm the Plicyhlder. Accidental Ttal and Permanent Disability benefit shall nt be paid n any f the events if these ccur directly r indirectly as a result f (any f the fllwing) a. Intentinal self-inflicted injury, attempted suicide, while sane r insane; b. Insured persn being under the influence f drugs, alchl, narctics r psychtrpic substances unless taken in accrdance with the lawful directins and prescriptin f a registered medical practitiner; c. War, invasin, act f freign enemy, hstilities (whether war be declared r nt), armed r unarmed truce, civil war, mutiny, rebellin, revlutin, insurrectin, military r usurped pwer, rit r civil cmmtin, strikes; d. Participatin by the insured persn in any flying activity, except as a bna fide, fare-paying passenger f a recgnized airline r Pilts and cabin crew f a cmmercial airline, n regular rutes and n a scheduled timetable; e. Participatin by the insured persn in a criminal r unlawful act with criminal intent; f. 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; g. Nuclear Cntaminatin; the radiactive, explsive r hazardus nature f nuclear fuel materials r prperty cntaminated by nuclear fuel materials r accident arising frm such nature; Other terms and cnditins Objective Criteria t allw Discunts and Ladings: We will allw the discunt and lading based n the filed bjective criteria and arrive at the premium withut any limit. Full Disclsure & Incntestability Page 4 f 7
5 We draw yur attentin t Sectin 45 and statutry warning under Sectin 41 f the Insurance Act 1938 as amended frm time t time which reads as fllws: Sectin 45 f the insurance Act, 1938 as amended frm time t time states that: (1) N plicy f life insurance shall be called in questin n any grund whatsever after the expiry f three years frm the date f the plicy, i.e. frm the date f issuance f the plicy r the date f cmmencement f risk r the date f revival f the plicy r the date f the rider t the plicy whichever is later. (2) A plicy f life insurance may be called in questin at any time within three years frm the date f issuance f the plicy r the date f cmmencement f risk r the date f revival f the plicy r the date f the rider t the plicy, whichever is later, n the grund f fraud: Prvided that the insurer shall have t cmmunicate in writing t the insured r the legal representatives r nminees f the insured the grunds and materials n which such decisins are based. Explanatin I Fr the purpses f this sub-sectin, the expressin fraud means any f the fllwing acts cmmitted by the insured r by his agent, with the intent t deceive the insurer r t induce the insurer t issue a life insurance plicy: a) the suggestin, as a fact f that which is nt true and which the insured des nt believe t be true; b) the active cncealment f fact by the insured having knwledge r belief f the fact; c) any ther act fitted t deceive; and d) any such act r missin as the law specially declares t be fraudulent. Explanatin II Mere silence as t facts likely t affect the assessment f the risk by the insurer is nt fraud, unless the circumstances f the case are such that regard being had t them, it is the duty f the insured r his agent, keeping silence t speak, r unless his silence is, in itself, equivalent t speak. (3) Ntwithstanding anything cntained in sub-sectin (2) n insurer shall repudiate a life insurance plicy n the grund f fraud if the insured can prve that the mis-statement f r suppressin f a material fact was true t the best f his knwledge and belief r that such mis-statement f r suppressin f a material fact are within the knwledge f the insurer: Prvided that in case f fraud, the nus f disprving lies upn the beneficiaries, in case the member is nt alive. Explanatin A persn wh slicits and negtiates a cntract f insurance shall be deemed fr the purpse f the frmatin f the cntract, t be the agent f the insurer. (4) A plicy f the life insurance may be called in questin at any time within three years frm the date f issuance f the plicy r the date f cmmencement f risk r the date f revival f the plicy r the date f the rider t the plicy, whichever is later, n the grund that any statement f r suppressin f a fact material t the expectancy f the life f the insured was incrrectly made in the prpsal r ther dcument n the basis f which the plicy was issued r revived r rider issued Prvided that the insurer shall have t cmmunicate in writing t the insured r the legal representatives r ninees f the insured the grunds and material n which such decisin t repudiate the plicy f life insurance is based: Prvided further that in case f repudiatin f the plicy n the grund f misstatement r suppressin f a material fact, and nt n the grund f fraud, the premiums cllected n the plicy till the date f repudiatin shall be paid t the insured r the legal representatives r nminees f the insured within a perid f ninety days frm the date f such repudiatin Explanatin Fr the purpses f this sub-sectin, the mis-statement f r suppressin f fact shall nt be cnsidered material unless it has a direct bearing n the risk undertaken by the insurer, the nus is Page 5 f 7
6 n the insurer t shw that had the insurer been aware f the said fact n life insurance plicy wuld have been issued t the insured. (5) 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. Prhibitin f Rebates: Sectin 41 f the Insurance Act, 1938 as amended frm time t time states: (1) 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 the 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 prspectuses r tables f the insurer. (2) Any persn making default in cmplying with the prvisins f this sectin shall be liable fr a penalty which may extend t ten lakh rupees. Nminatin: This being a rider, the nminatin under this rider shall be the same as under the base plan. Nminatin shuld be in accrdance with prvisins f sec 39 f the Insurance Act 1938 as amended frm time t time. Assignment: Assignment shuld be in accrdance with prvisins f sec 38 f the Insurance Act 1938 as amended frm time t time. Tax Benefits: Tax benefits are subject t the changes in tax laws. Yu may be entitled t certain applicable tax benefits n yur premiums and plicy benefits. Please nte that all the tax benefits are subject t the tax laws prevailing at the time f payment f premiums r receipt f benefits by yu. Yu may seek an independent advice n tax benefits frm yur tax advisr. Tax benefits applicable are: - Premium(s) paid by the emplyer wuld be treated as business expense under sectin 37(1) f the Incme Tax Act, All death claim payments are exempted frm tax under Sectin 10(10D) f the Incme Tax Act, 1961 Statutry impsitins: Premiums payable and benefits secured under yur rider will be subject t applicable statutry levy, cess and taxes as impsed by Gvernment frm time t time and yu will be respnsible fr paying these statutry impsitins. Imprtant Ntes This is nly a prspectus. 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 sub-standard lives. Benefits are available prvided all premiums are paid, as and when they are due. Taxes, cesses and levies as impsed by Gvernment frm time t time wuld be levied as per applicable laws. Page 6 f 7
7 Insurance is the subject matter f slicitatin. Life insurance cverage is available in this rider. All rider benefits are subject t rider being in frce. Expert Advice at Yur Drstep Our distributrs have been prfessinally trained t understand and evaluate yur unique financial requirements and recmmend a plicy which best meets yur needs. With experienced and trained distributrs, we are fully resurced t help yu achieve yur life s financial bjectives. 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. Cntact Details f the Cmpany Cmpany Website: Registered Office Max Life Insurance Cmpany Limited 419, Bhai Mhan Singh Nagar, Railmajra, Tehsil Balachaur, District Nawanshahr, Punjab Tel: Office Address Max Life Insurance Cmpany Limited 2 nd flr, Plt N. 90A, Sectr 18, Gurugram , Haryana, India. Tel N.: Custmer Helpline Number Disclaimers: Max Life Insurance Cmpany Limited is a Jint Venture between Max Financial Services Ltd. and Mitsui Sumitm Insurance C. Ltd. Max Life Insurance C. Ltd., 11th Flr, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) Fr mre details n risk factr, terms and cnditins, please read the prspectus carefully befre cncluding a sale. Insurance is the subject matter f slicitatin. Yu may be entitled t certain applicable tax benefits n yur premiums and plicy 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 change in tax laws. Trade lgs displayed belng t Max Financial Services Ltd. and Mitsui Sumitm Insurance C. Ltd. respectively and are used by Max Life Insurance C. Ltd. under a license. Yu can call us n ur natin-wide helpline number: IRDAI Regn. N 104 ARN : Max Life/Grup Ttal and Permanent Disability (Accident) Premier Rider/Web Prspectus/May 2018 BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies t public that IRDAI r its fficials d nt invlve in activities like sale f any kind f insurance r financial prducts nr invest premiums. IRDAI des nt annunce any bnus. Public receiving such phne calls are requested t ldge a plice cmplaint alng with details f phne call, number. Page 7 f 7
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