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    MOST IMPORTANT TERMS AND CONDITIONS

    Benefits

    Coverages

    Single Call for Immediate blocking of all lost cards

    Yes

    Complimentary PAN card replacement

    Yes

    Complimentary cover for digital theft of funds

    Up to INR 10,000

    Active period of Membership: 6 months

    Intimation timelines and Claim documentation

    Complementary Digital Theft of Funds Cover

      1. In the event of a Direct Financial Loss to the Customer - Notification:

      2. Upon Discovery of Direct Financial Loss to the Customer, the Customer shall give notice within 7 days, but in any event not later than 14 days after the end of the Cover Period or Discovery Period (if applicable); Claim Documents:

        1. Submission of fully completed and duly signed Claim form
        2. Copy of signed or stamped E-FIR/ FIR/ Diary entry lodged with Police Authorities / cyber cell
        3. Copies of correspondence with financial institutions with regard to Direct Financial Loss to the Customer
        4. Proof to show that Direct Financial Loss to the Customer is incurred by the Customer (Bank/financial statement) along with Bank intimation/ confirmation that the amount will not be refunded by them
        5. A copy of passport to show proof of traveling outside India (only applicable for claims admissible on opting worldwide extension)
        6. And any other Documents necessitated on case to case basis wherever applicable.

    Cancellation Grid

    Plan once purchased is not cancellable

    Number of Service Request:

    Benefits

    No of Services - Plan Tenure

    Complimentary cover for digital theft of funds

    Multiple up to Sum Insured

    Single Call for Immediate blocking of all lost cards

    1

    Complimentary PAN card replacement

    1

    How to raise Service Request

    For any of the features, you can raise a service request on OneAssist App (login using your registered mobile number)

    Download our app from - https://onelink.to/afkpu6

    STANDARD TERMS AND CONDITIONS

    DEFINITIONS

      1. "Plan(s)" shall mean the either or all of the products/ services package offered by OneAssist from time to time, which products/services may have add on components or features.
      2. "Joint Plan" means any OneAssist Plan that is taken for two members at the same time where the two members are related to each other by way any of the following:
    1. Spouse
    2. Siblings

    3. Parent - Child

      d. Grandparent - Grandchild

    Subject to both the members fulfilling the conditions necessary for a OneAssist membership.

      1. "Plan Fee" shall mean the fees charged by OneAssist from time to time for the Plan(s) availed by the Customer & set out in the respective Plan Terms. The Plan Fee is applicable for the respective duration of the plan as mentioned below. The Plan Fee is inclusive of all applicable taxes.
      1. “Family Members” in relation to a customer means: -
    1. Spouse
    2. Siblings
    3. Parent - Child

    4. Grandparent - Grandchild

      1. "Plan Terms" shall mean the terms and conditions separately provide with the Terms herein which shall be specifically applicable in relation to each Plan(s).
      2. "Insurer" shall mean the third-party insurance provider (Bajaj Allianz General Insurance Company) as OneAssist may partner with from time to time for the add on complimentary benefit as may be applicable to the various Plans.
      3. “Group Insurance Policy” means the group insurance policy issued by the Insurer to OneAssist, for the benefit of the beneficiaries, all being the customers of OneAssist. The insurance component is provided Complementary to customers along with OneAssist Services. The Group Insurance policy number is OG-25-9999-9960-00000103
      4. "Service Partner" means any third-party service provider affiliated with OneAssist
      5. "Personal Information/Data" shall mean & include such personal and financial information of the Customer relating to his/her data /or documents, in any medium including financial information such as bank account or credit card or debit card or other payment instrument details, identification document details including passport, PAN card details, driving license, etc.
      6. “Bank/ Qualified Financial Institution/ Payment System Operator” means:

    a) Banking Company as defined in Chapter 3A of Reserve Bank of India Act, 1934;

    b) Non-Banking Financial Company (NBFC) as defined under Reserve Bank of India Act, 1934 read with the RBI guidelines, from time to time.

    c) Entity authorized by the Reserve Bank of India to set up and operate in India under the Payment and Settlement Systems Act, 2007

      1. Cyber Attack means a targeted intrusion into the Customer’s Computer System:

    a. Which results in the transmission of unauthorized Data to the Customer’s Computer System or from the Customer’s Computer System to a Third Party’s Computer System that is designed to modify, alter, damage, destroy, delete, record or transmit information without authorization, including Data that is self-replicating or self-propagating, or is designed to contaminate other computer programs or legitimate computer Data, consume computer resources or in some fashion usurp the normal operation of a Computer System.

    b. To obtain unauthorized access or use of the Customer’s Computer System

    A targeted intrusion is an intrusion or a series of intrusions specifically directed against the Customer. A series of intrusions are intrusions using the same weakness of Computer Systems or using the same malicious programs or codes.

      1. “Direct Financial Loss” shall mean unrecoverable loss of funds

    i) belonging to the Customer held in his/her Bank account / accounts of Payment System Operator and/or

    ii) Lien created on the Customer in his/her Bank account / account of Payment System Operator

      1. “Simjacking” happens when a third party replaces a sim card issued to the Customer by a registered telecom service provider, without his/her knowledge and consent.
      2. “Discovery Period” means the period commencing immediately after the expiry/risk expiry date of the Plan Period, during which written notice may be given to the Company, of a service request that has occurred prior to the expiry date/ risk expiry date of the Plan Period and only where such loss is not partially nor wholly covered by any other insurance policy in force after risk expiry date /the expiry date

    PURPOSE

      1. These terms and conditions ("Terms") shall govern the transaction between OneAssist Consumer Solutions Private Limited ("OneAssist") and the party whose name appears on the Order ("Customer") in relation to the Plan(s) provided by OneAssist.
      2. These general terms and conditions define the framework and the respective obligations of the parties. Specific terms and conditions relating to the specific Plan(s) that has been availed or subscribed to by the Customer supplementing or derogating from these general terms & conditions may be agreed to in the Plan Terms in writing which shall be annexed to t his Terms.
      1. Customer acknowledges the receipt of the Terms and the Plan Terms, as applicable and agrees to be fully bound by the Terms and the relevant Plan Terms. In the event, the Customer avails of any service or benefit under any of the Plan Terms, or lodges a service request within the term of the Plan, the Customer shall be deemed to have accepted the Terms unconditionally

    CUSTOMER CONSENTS AND CONFIRMATIONS

      1. Further, the Customer has and hereby consents to the use of the Personal Information by OneAssist for the purposes of providing the various services under the Plan(s) offered by OneAssist. OneAssist respects the privacy of the Customer and the confidentiality of Customer's Personal Information so collected by OneAssist by itself or on its behalf and shall take all reasonable steps to protect it and maintain its confidentiality.
      2. The Customer expressly and without limitation, consents to OneAssist or its service partners recording phone calls between the Customer and OneAssist on the helpline numbers set out in the relevant Plan Terms in order for OneAssist to inter alia
    1. provide a record of the instructions received from the Customer and to share the same with the Service Partners, if required,
    2. allow itself or its service partners to monitor quality standards,

    3. training purposes, and (iv) meet legal and regulatory requirements.

      1. The Customer acknowledges that OneAssist has the sole right to vary the features/benefits under the Plan(s) or the Plans or the amount or rate of the Plan Fee or part thereof, from time to time.
      1. The Customer hereby provides his/her consent to OneAssist for appointing agents to collect amounts payable to OneAssist, as may be considered necessary in the sole discretion of OneAssist and which shall be at the sole risk and cost of the customer
      2. The Customer acknowledges that OneAssist may engage third parties including Service Partners for the fulfillment of the services and the Customer hereby consents to OneAssist disclosing, to the extent relevant, the Customer's Personal Information and/or details of Plan(s) availed by the Customer to inter alia (a) our affiliates Service Partners (b) to our suppliers, vendors, for the purposes of servicing the Customer.
      3. The Customer hereby consents to receiving period SMS / email communication from One Assist of information pertaining to its product features/ services.

    TOTAL FEES/CHARGES

      1. OneAssist shall charge the Plan Fee from the Customer for availing of the Plan(s) from time to time and for the duration of the respective Plan. The Plan Fee shall be payable in advance and the Customer may make a one-time payment of the Plan Fee for the applicable period or authorize OneAssist with appropriate debit instructions to deduct the Plan Fee from the Customer's bank or credit/debit card from time to time including applicable taxes and levies.
      2. Activation of the Plan(s) is subject to realization/receipt of the Plan Fee.

    SERVICING OF TERMS

      1. The Customer acknowledges and understands that service request or payment of any benefit covered by complimentary insurance covers shall be at the sole discretion of the Insurer (Bajaj Allianz General Insurance Company) and OneAssist shall only provide assistance in facilitation of the claim by liaising with the Insurer (Bajaj Allianz General Insurance Company). Any service request raised by the Customer under these Terms and Plan Terms shall be subject to the following:
      2. The Customer having met and complied with the Terms and the Plan Terms (as applicable).
    1. This also applies to terms and conditions set out herein and any others which may be added to the terms and/or the Plan Terms and communicated to the Customer at a later date;
    2. The Customer having provided OneAssist with full and accurate information in connection with the services, as applicable;
    3. The Customer having acted in a bonafide manner to raise a service request;

    4. The Customer having complied with the requirements of the Insurer (Bajaj Allianz General Insurance Company) for the purposes of processing the complementary benefit claim, would need to furnish the details and documents as required by the Insurer (Bajaj Allianz General Insurance Company).

      1. Notwithstanding anything contained herein above, OneAssist shall not be obliged to entertain any service request from the Customer unless (I) the Customer is over the age of 18 years and a resident of India, and (ii) the Plan Fee up to the date of service request has been paid.

    CANCELLATIONS/ RENEWAL/TERMINATION

      1. OneAssist will cancel the Terms and/or the Plan Terms if OneAssist does not receive the

    Plan Fee (all inclusive) on the date it is due.

      1. OneAssist will cancel the Terms and/or the Plan Terms if the Customer has at any time:
    1. Agreed to help any third party to try to fraudulently or dishonestly obtain money from OneAssist or the Insurer (Bajaj Allianz General Insurance Company); or
    2. Is in violation of applicable law as may be relevant to the use of the Plan(s); or
    3. Failed to meet the Terms and/or the Plan Terms, or to act in good faith, openly, honestly and in a bonafide manner towards OneAssist or the Insurer (Bajaj Allianz General Insurance Company) including by providing false or inaccurate information; and d. Customer fails to return to OneAssist or its authorized Service 'Partner(s) any goods/ devices temporarily lent to him/her or money advanced on an emergency basis to him /her or tickets or hotel bookings made on behalf of the Customer and which are to be returned/ reimbursed/ paid as per the terms of the Plan to OneAssist or to its authorized Service Partner.

    CONFIDENTIALITY

      1. OneAssist shall make reasonable efforts to ensure that the Personal Information of the Customer is kept confidential and not disclosed to any third party except to the extent required for fulfillment of services.

    REPRESENTATIONS AND WARRANTIES

      1. The Customer represents that he/she is completed the age of 18 years and is a resident of India.
      2. The Customer is in compliance with the applicable law as may be relevant for the Plan (s) which is availed of by the Customer.
      3. The Personal Information provided by the Customer for the purposes of availing of the Plan(s) is and shall be true and accurate.

    OBLIGATIONS AND COVENANTS OF THE CUSTOMER

      1. If the Customer receives a benefit as contemplated under- any specific Plan Terms and it is later discovered that the service request was dishonest, fraudulent or false, OneAssist will take steps to recover from the customer, value of such benefits from the Customer, either by OneAssist or a third party, as the case may be.
      2. The Customer undertakes that he/she shall strictly comply with the OneAssist or a third party, as the case may be.
      3. The Customer acknowledges, confirms and covenants that that the object of the Plan(s) being availed of or provided by OneAssist is not an 'insurance product' but insurance is merely an add on feature of the Plan(s) on a group insurance basis and that the Customer has availed of the Plan(s) in accordance with this understanding.
      4. The Customer undertakes and covenants that he/she shall not make use of the Plan(s) to or in the course of usage of the Plan(s), upload, display, publish, update, disseminate or transmit content or information that:
    1. belongs to another person and to which the user does not have any right to or which is confidential;
    2. is an impersonation of another person, grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
    3. harm minors in any way;
    4. infringes any patent, trademark, copyright or other proprietary rights;
    5. deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
    6. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or

    Threatens the unity, integrity, defence, security or sovereignty of India or seditious, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting to any other nation or violates any other provision of law.

    LIMITATION OF LIABILITY

      1. OneAssist shall not be liable for any incidental, consequential, exemplary, special or indirect damages (including, but not limited to, loss of profits, revenues, data and/or use). OneAssist disclaims all implied warranties of merchantability, fitness for a particular purpose, and non- infringement. OneAssist's total liability under the Terms and/ or the relevant Plan Terms shall not exceed the Plan Fee.
      2. In case of a claim under the complimentary insurance benefits provided with the Plan(s), OneAssist's role in discharging its obligations here under shall be that of a mere facilitator, and OneAssist is not and shall not be liable to the Customer for any claim, loss-, damage, or in relation to or compensation caused in arising from or in connection with the complimentary insurance policy.

    INDEMNITY

      1. The Customer hereby agrees to defend, indemnify and hold OneAssist and its officers, directors, employees and subcontractors harmless from any & all losses, damages, liabilities, verdicts, settlements judgments, costs, and expenses (including reasonable attorneys' fees), incurred by OneAssist or its officers or employees arising out of:
    1. any wrongful act or omission of the Customer in relation to the usage of the Plan(s);
    2. any willful misconduct, gross negligence or fraud by the Customer;
    3. any failure of the Customer to comply with the applicable law;
    4. any breach of the representations, warranties, obligations and covenants of the Customer or a default of the Customer's obligations; and

    5. any third-party claims arising out of the Customer's use of the Plan(s).

      1. This indemnity will survive the termination of the Terms and/or the Plan Terms and is in addition to and not in substitution of the other remedies and rights that OneAssist may have, either at law in the Terms and/or the Plan terms

    NOTICES

      1. Any notice required under the Terms and/or the relevant Plan Terms must be in writing and must be either (a) delivered in person, (b) sent by first class registered mail, or air mail, as appropriate, or (c) sent by overnight courier, in each case properly posted and fully prepaid to the appropriate address set forth herein.

    3rd floor, Tower C, Smartworks Times Square Building, Andheri - Kurla Rd, Gamdevi, Marol, Naka, Mumbai, Maharashtra 400056

    MISCELLLANEOUS

      1. The Terms will inure to the benefit of the legal successors of OneAssist. Other than as stated above, no assignment of the Terms is possible.
      2. OneAssist will not incur any liability to the other party on account of any part of Terms if such delay or failure is caused, in whole or in part, by events, occurrences, or causes beyond the control and without negligence of the parties. Such events, occurrences, or causes will include, without limitation, acts of God, bandhs, riots, acts of war, natural disaster, fire and explosions, or any other events reasonably beyond the control of either party.
      3. OneAssist reserves the right to amend the Terms and/or the Plan Terms and/or the features or pricing of the Plans. Upon such amendment such terms will become applicable immediately and will be intimated to the Customer in due course If the Customer does not accept the amendment of the Terms and/or the Plan Terms, he shall have the right to terminate Terms and the Plan Terms with appropriate notice as may be specified in Clause 6. The alteration of the Terms and/or the Plan Terms shall be deemed accepted where the Customer continues to use the service one (1) month after the amendment has taken effect.
      4. The Terms along with the relevant Plan Terms constitutes the entire agreement between the parties with respect and in relation to the Plan (including any modification or amendment thereto) subscribed or availed of by the Customer and supersedes all previous communications representations, understanding and agreements, either oral or written.
      5. The Agreement shall be governed by the laws of the Republic of India.
      6. All disputes arising in connection with the Terms and/or the respective Plan Term(s) shall be finally settled by arbitration pursuant to the rules of the Arbitration and Conciliation Act, 1996, by one arbitrator appointed in accordance with the said Rules. The seat of arbitration shall be Mumbai. The language of the arbitration proceedings shall be English. The decision of the arbitrator shall be final and binding on the parties.
    1. SERVICE DESCRIPTION AND TERMS & CONDITIONS

    SCOPE OF SERVICE

    I. CALL TO BLOCK ALL CARDS

    1. Customer must provide and promptly update all his Card details with OneAssist.
    2. In case of a fraud, you may reach out to us at 1800 123 3330. In the event of theft or loss of wallet, the Customer has to immediately call OneAssist to report the loss of the wallet. In order to give a request to block any Card, the Customer should provide relevant details for Cards with OneAssist prior to placing the request for blocking. In the event that customer input is required in the form of confidential personal information number (PIN) or a telephone identification number (TIN) (which cannot be disclosed to a third party), OneAssist will assist the Customer by conferencing the Customer on the telephone call with the Issuer in order for the Customer to provide such PIN/TIN for authentication purposes.
    3. In case the Customer has not shared the details of a particular Card with OneAssist and requests the same to be blocked Card, with OneAssist shall attempt to block the same help of other details provided by the Customer on a best effort basis.
    4. The Customer must follow the Issuer's instructions and meet all the Issuer when using the Cards. OneAssist will not facilitate payment of any claim where the Issuer informs OneAssist of the Customer noncompliance or breach of the Issuer's terms. The decision of the Issuer in this regard will be final.
    5. The Customer hereby consents to OneAssist acting on its behalf and to do all such acts necessary in the performance of its obligations as set out herein via the Issuer.

    II. COMPLIMENTARY PAN REPLACEMENT:

    1. This replacement service is only available to the Customer when the Customer reports lost PAN CARD to OneAssist.
    2. The replacement service to be given only if PAN Card is lost or stolen and it will be upon the sole discretion of OneAssist.
    3. The Customer must report the loss of the PAN Card to OneAssist. The Customer also needs to provide OneAssist with the PAN Card number & all the documents required by the PAN card issuing authorities.
    4. All costs for getting the duplicate PAN Card issued as it was last or originally issued (without any changes) would be borne by OneAssist.
    5. Customer can raise the service request by calling our 24x7 toll-free helpline (1800-123-3330). Customer can also raise a service request using the OneAssist website or Android/ iOS Apps.
    6. Customer will have to provide the required details. Please note that you should provide complete and accurate information describing the issue faced.
    7. Depending upon the product and/or the nature of issue faced by customer, customer may be asked to follow some trouble shooting steps before registering a service request. Please follow the troubleshooting steps before registering the request.
    8. For digital theft of funds, customer needs to raise the claims by calling our 24x7 toll-free helpline (1800-123-3330). Customer can also raise a service request using the OneAssist website or Android / iOS Apps. One Assist will further facilitate raising the claim with the Insurer (Bajaj Allianz General Insurance Company) on behalf of customer.

    III COMPLIMENTARY COVER FOR DIGITAL THEFT OF FUNDS (UPTO INR 10,000)

    Unauthorized Digital Financial Transaction shall mean electronic transaction/transfer from Customer’s account to a Third Party account consequent upon Identity Theft, arising out of below perils (as opted by the Insured/ Customer)

    a) Cyber Attack(s)

    b) Phishing/Spoofing E-Mail and/or Messages and/or Links and/or telephonic calls

    c) Simjacking

    SPECIAL EXCLUSIONS APPLICABLE TO UNAUTHORIZED DIGITAL FINANCIAL TRANSACTION
    1) Any transactions involving physical money / cash / currency or currency equivalent, including withdrawal of money from Automated Teller Machine (A.T.M)

    2) Direct Financial Loss as a result of physical loss/ theft of card, phone, laptop, or any other device

    3) Gross negligence in taking precautions to safeguard Customer’s Personal Data

    4) Cyber Extortion Loss

    SPECIAL CONDITIONS APPLICABLE TO “SCOPE OF COVER” HEREINABOVE:

    1) The Direct Financial Loss to the Customer should have first occurred during the Plan Period and reported to Us within the Plan Period or Discovery Period (as applicable) as specified in the terms & conditions

    2) Multiple service requests/ incidents are covered up to the limit of total Sum Insured.

    3) The Sum Insured of the complimentary benefits shall stand reduced by the amount of Direct Financial Loss to the Customer that has been claimed by the Customer and cannot be reinstated.

    4) Direct Financial Loss to the Customer should have occurred within the territorial scope as mentioned in the terms & conditions.

    1. GENERAL EXCLUSIONS:

      1. Fraudulent or Dishonest Conduct of Customer:

    ANY:

    a) deliberate, criminal, fraudulent, dishonest or malicious act or omission of Customer; or

    b) intentional or knowing violation of any duty, obligation, contract, law or regulation; by the Customer

    c) Any Direct Financial Loss to Customer that are caused by Customer intentionally & against the law

      1. Bodily Injury Any actual or alleged bodily injury, sickness, Illness, ailments, mental anguish or emotional distress or disturbance, disease or death of any person howsoever caused and treatment thereof (unless specifically covered elsewhere under extensions)
      2. Property Damage Any damage to or destruction or loss of/to any tangible property including Computer Systems, Data, Customer’s Personal Data, including loss of use thereof. (unless specifically covered elsewhere under extensions)
      3. Contractual Liability: Any liability under any contract, agreement, guarantee or warranty executed or assumed or accepted by the Customer except to the extent that such liability would not have attached to the Customer but for the contract, agreement, guarantee or warranty done due to Unauthorized Digital Financial Transaction and/or Unauthorized Physical Financial Transaction.
      4. Prior Acts Exclusion Any claim arising out of or based upon or attributable to Unauthorized Digital Financial Transaction and/or Unauthorized Physical Financial Transaction committed, attempted, or allegedly committed or attempted, prior to the Risk Inception Date.
      5. War, Terrorism including Cyber Terrorism, looting and Governmental Acts
      6. Trading Any losses or liabilities connected with any types of purchase or sale transactions or other dealing in securities, commodities, derivatives, foreign or Federal Funds, currencies, foreign exchange, currency swap, crypto currencies, non-fiat currencies and the like.
      7. Unsolicited Communication Any distribution of unsolicited correspondence or communications (whether in physical or electronic form) (unless specifically covered elsewhere under extensions)
      8. Commercial, Political, Union or Religious Activities Any kind of Direct Financial Loss to Customer in connection to commercial transactions (his/her business or his/her employer’s business), political or union activities.
      9. Trade Secrets and Intellectual Property - Any actual or alleged plagiarism or infringement of any Trade Secrets, patents, trademarks, trade names, copyrights, licenses or any other form of intellectual property.
      10. Pollution and Natural Perils – Any Pollution; Any: electromagnetic fields or radiations; earthquakes etc.
      11. Licensing Fees - Any actual or alleged licensing fee or royalty payment including, but not limited to, any obligation to pay such fees or royalty payments.
      12. Outage/Disturbance Loss - Losses due to the outage/disturbance of external networks (e.g. power, internet, cable & telecommunications)
      13. Immoral/Obscene Services – Any losses in connection with racist, extremist, pornographic or other immoral/obscene services, statements or representations provided made or committed by the Customer.
      14. Unauthorised Collection of Data - Any unlawful or unauthorized collection of personal Data or Client Information.
      15. Any unexplained losses or mysterious disappearance
      16. Any Direct Financial Loss to Customer caused by the order of any government authority

    1. GENERAL CONDITIONS APPLICABLE TO “SCOPE OF COVER” ABOVE

      1. In the event of a Direct Financial Loss to the Customer – Notification:

    Upon Discovery of Direct Financial Loss to the Customer, the Customer shall give notice within 7 days, but in any event not later than 14 days after the end of the plan Period or Discovery Period

    Condition Precedent: The Customer shall:

      1. Take all reasonable measures to safeguard the Customer’s Personal Data to prevent the occurrence and to minimize the impact of claim.
      2. In connection with the coverage afforded hereunder submit to the Company (at own Cost) a written, detailed proof of Direct Financial Loss to Customer which provides an explanation of the circumstances and a detailed calculation of such Direct Financial Loss to Customer.
      3. Provide to the Company and Insurer (Bajaj Allianz General Insurance Company) all such cooperation and assistance as the Company and Insurer (Bajaj Allianz General Insurance Company) may request in connection with such Direct Financial Loss to Customer; and in case of Direct Financial Loss to Customer involving both covered risk and uncovered risk/matters as specified in the terms & conditions, take reasonable joint effort with Company to determine a just and equitable allocation of Direct Financial Loss to Customer covered as specified in the terms & conditions.
      4. Shall not admit liability, make any payments, assume any obligations, negotiate any settlement enter into any settlement or accept any judgment or award without the Insurer’s (Bajaj Allianz General Insurance Company) prior written consent.
      5. Not agree to any waiver or limitation of or delay as to the Customer’s legal rights of recovery against any other party
      6. Customer shall duly comply with/fulfil all Terms and Conditions of the plan.
      7. Territorial scope: Where legally permissible by the law, of plan on the group Insurance and the jurisdiction in which the payment is to be made and subject to all Terms and Conditions of the plan on the group Insurance, shall apply to any Direct Financial Loss to the Customer incurred in India
      8. Fraud: If any Customer makes any proposal with fraud or fraudulent intention/means and or Customer under the plan on group Insurance or any one acting on his/her behalf shall make or advance any claim be in any respect fraudulent, or if any false declaration/mis-representation/false statements be made or used in support thereof or if any fraudulent means or devices are used to obtain any claim/benefits under the Group Insurance or if the Direct Financial Loss to the Customer be occasioned by the wilful act, or with the connivance of/with the Customer, or for non-co-operation of Customer, all benefits/risk covers under the plan on Group Insurance shall be void and all claims or payments thereunder shall be forfeited along with forfeiture of the Plan fee, irrespective of whether claim is paid or not and whether or not the claim is admitted or repudiated.. Further the Customer and or any person making claim on behalf of Customer shall be also liable to be proceeded by the Company and Insurer (Bajaj Allianz General Insurance Company) with suitable legal action/proceedings

    1. Basic Mandatory Documents for Claim

      1. Submission of fully completed and duly signed Claim form
      2. Copy of signed or stamped E-FIR/ FIR/ Diary entry lodged with Police Authorities / cyber cell
      3. Copies of correspondence with financial institutions with regard to Direct Financial Loss to the Customer
      4. Proof to show that Direct Financial Loss to the Customer is incurred by the Customer (Bank/financial statement) along with Bank intimation/ confirmation that the amount will not be refunded by them
      5. A copy of passport to show proof of traveling outside India (only applicable for claims admissible on opting worldwide extension)
      6. And any other Documents necessitated by the Insurer (Bajaj Allianz General Insurance Company) on case-to-case basis wherever applicable, such as below:
    2. Copies of legal notice received from any Affected Person/entity
    3. Copies of summons received from any court in respect of a suit filed by an Affected party/entity
    4. legal notice served on any Qualified Financial Institution and or case filed against Qualified Financial Institution for Direct Financial Loss
    5. Copies of legal notice served on any Third Party for any Data Breach
    6. Copies of criminal case filed against Third Party
    7. Copies of invoices for expenses incurred on restoration cost (wherever applicable)
    8. Details/invoices of costs incurred for filing of criminal case /claim for damages against Third Party
    9. Proof to show that the Customer’s Personal Data is the propriety information belonging to the Customer
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