1. UAE EXCHANGE FINANCIAL SERVICES LTD. PERSONAL ACCIDENT INSURANCE
Personal Accident Insurance Cover

2. Introduction Policy Issuing Office : Cochin
Policy Number : OG
Product : Group Personal Accident
Period Of Insurance From 00:00 20/07/2008 To 19/07/2009
Insured Name : UAE Exchange Financial Services Limited

3. Basic Eligibility Age Band Eligibility Nationality
WHO CAN BUY THIS POLICY
Should be a Customer of UAE Exchange Financial Services Limited
Basic Eligibility
Any person in the age category 18
years to 65 years
Age Band Eligibility
Nationality
Should be a citizen of India living in
India

4. COVERAGE – SUMMARY OF THE POLICY COVERAGE
The benefits of the policy
Accidental Death
Accidental Permanent Total Disability
Accidental Permanent Partial Disability

5. DEFINITION OF TERMS
Permanent Total Disability - Doctor certified total, continuous and permanent:
Loss of the sight of both eyes.
Physical separation of or the loss of ability to use both hands or both feet.
Physical separation of or the loss of ability to use one hand and one foot.
Loss of sight of one eye and the physical separation of or the loss of ability to use either one hand or one foot.
Permanent Partial Disability - Doctor certified total and continuous loss or
impairment of a body part or sensory organ specified.

6. BENEFITS PAID UNDER THE POLICY
In Case of
Amount Payable
Accidental Death
100% of Sum Insured
Permanent Total Disability
Permanent Partial Disability
Applicable Percentage of Sum
Insured Depending on Nature of
Disability.

7. BENEFITS PAID FOR PERMANENT PARTIAL DISABILITY

8. EXCLUSIONS Accidental bodily injury:
Through suicide, attempted suicide or self inflicted injury or illness.
While under influence of liquor or drugs.
Through deliberate or intentional, unlawful or criminal act, error, or omission.
Aviation or ballooning.
Participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
Result of curative treatments or interventions carried out.
Participation in any naval, military or air force operations whether in the form of military exercises or actual war.
Your consequential losses of any kind or your actual or alleged legal liability.
Venereal or sexually transmitted diseases.
HIV (Human Immunodeficiency Virus)
Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
War (Whether declared or not)
Nuclear energy, radiation

9. Inclusive of Service Tax
PREMIUM
Sum Insured(Rs)
50,000
Premium
As applicable
Inclusive of Service Tax

10. PROCESS
Master policy issued in name of UAE Exchange Financial Services Limited
Customers of UAE Exchange Financial services Ltd. can avail coverage by remitting premium through any of their branch counters across India
An individual certificate will be issued by UAE Exchange Financial Services Ltd
The total premium collected will be remitted to Bajaj Allianz General Insurance Company by end of day at or before 6 PM along with the list of customers who have opted the coverage, Date of birth, Gender and Residential address
Policy coverage will incept from subsequent day 00:00 Hrs of date of receipt of aforementioned consolidated list from UAE Exchange Financial Services Ltd
In case, no list is received by end of a day, it will be inferred no customer has opted for insurance coverage for the day

11. PROCESS Customer walks in at any UAE Exchange Counter across India
Remits premium at Counter
Individual policy certificate issued
UAE Exchange forwards a consolidated detailed list (Excel sheet ) of all customers across India who have opted Insurance along with remittance of total applicable premium in cheque by end of day on or before 6 PM
Policy coverage incepts from subsequent day 00:00 Hrs of receipt of aforementioned list from UAE Exchange Financial Services Ltd

12. Claims Procedure
Claims can be intimated at our office /51/52 or addressed to Bajaj Alianz General Insurance Co, III Floor, Finance Towers, Kaloor, Cochin
Call center executive will explain the claims procedure and documents to be submitted.
The claim form along-with a self-addressed envelope will be sent to the claimant to facilitate the submission of the documents.

13. All queries of subscribers relating to coverage, procedures and claims may be addressed to /51/52
List of pending documents (if any) will be intimated to the claimant within 7 days of receipt of original claim documents.
Settlement of claim within 14 working days of receipt of all relevant documents
A centralized claims settlement system.

14. Documents required for Death claims
Duly Filled Claim Form
FIR
Postmortem Report
Death Certificate
Proof of legal heir /succession certificate
Original receipt copy confirming insurance coverage

15. Documents required for Permanent Total Disablement Claims
Duly Filled Claim Form
Disablement Certificate issued by a Government Hospital
Full photograph showing disability clearly, attested by the Government Doctor mentioning the name of the patient
Original receipt copy confirming insurance coverage
Copy of hospitalization documents

16. THANK YOU