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As a woman, you have unique needs and concerns when it comes to preparing for the future. AtBajaj Allianz, we realise that, and provide you with unique solutions to match your investmentand protection needs. While the basic life insurance policy protects your loved ones, you will alsoneed some protection against risks specific to women. A prudent financial plan calls for mitigationof these risks to the maximum extent possible.

Bajaj Allianz offers you the flexibility to enhance your insurance policy by attaching benefits thatprovide coverage against uncertainties. You can attach UL MahilaGain Rider with New UnitGainand New UnitGain Plus. As per your needs you can choose to take all or some of the benefits, andredesign your life insurance coverage.

We offer the following additional benefits for women with our products, in addition to our usualrider benefits:

UL MahilaGain I covering Critical Illness Benefit, Reconstructive Surgery Benefit for Breast(s)due to Breast Cancer, Congenital Disability Benefit & Complications of Pregnancy Benefit.

OR

UL MahilaGain II covering Critical Illness Benefit & Reconstructive Surgery Benefit for Breast(s)due to Breast Cancer.

You have the option of taking any one of the above two options with minimum sum assured thatcan be opted for the rider being Rs. 50,000 and the maximum sum assured being Rs.10 lacs.

Critical Illness Benefit (CI), Reconstructive Surgery Benefit for Breast(s) due to Breast Cancer,Congenital Disability Benefit & Complications of Pregnancy Benefit.

Critical Illness Benefit (CI)Some illnesses are critical. They not only alter ones lifes pattern but also result in a financialdrain. Bajaj Allianz Critical Illness Benefit softens the impact on the family by paying out theCritical Illness Benefit under the plan immediately on occurrence of the first critical illness benefit, while other policy benefits continue (excluding Hospital Cash Benefit, if taken additionally). Wecover 11 critical illnesses, namely - First Heart Attack, Coronary Artery Disease Requiring Surgery,Stroke, Cancer, Kidney Failure, Major Organ Transplantation, Multiple Sclerosis, Aorta Graft Surgery,Primary Pulmonary Arterial Hypertension, Alzheimers Disease and Paralysis. You have the flexibility

of choosing Critical Illness cover up to the basic Sum Assured selected by you (MinimumRs.50,000).

Reconstructive Surgery For Breast(s) due to Breast CancerReconstruction of a breast that has been removed due to cancer is one of the most helpfulsurgical procedures available today. Bajaj Allianz pays 30% of the Sum Assured (subject to amaximum of Rs. 30,000) for reconstructive surgery of one breast, and 40% of the Sum Assured(subject to a maximum of Rs. 40,000) for reconstructive surgery of two breasts.

Congenital Disability Benefit:If a child born to the life assured suffers from any of these congenital disabilities - Downssyndrome, Spina Bifida, Fallots Tetralogy, Esophageal Atresia/ Trachea Osophageal Fistula, Anorectal Atresia (Imperforate Anus), Cleft Lip, Cleft Palate, Cleft Lip & Cleft Palate, Transposition of Great Vessels - Bajaj Allianz pays 50% of the Sum Assured (subject to a maximum of Rs. 2.5 lac) for twochildren.

Complications of Pregnancy Benefit:

In case of any of the specifiedcomplications during pregnancy -Disseminated Intravascular Coagulation,Ectopic Pregnancy, Pre-Eclampsia,Choriocarcinoma & Hydatidiform Mole(Molar Pregnancy) - Bajaj Allianz pays20% of the Sum Assured (subject to amaximum of Rs. 25,000), payable onceunder the policy.

Switching between options At each policy anniversary, if you havechosen UL MahilaGain I at inception, youcan switch to UL MahilaGain II subject to

the terms, charges and conditions applicable for the same at that time. Once chosen for ULMahilaGain II, you lose the right to switch back to UL MahilaGain I. In case of switching,surrender value is payable.

However, switching from UL MahilaGain II to UL MahilaGain I is not allowed under acircumstances.

Eligibility Conditions:

Option & Benefits Minimum Maximum Maximum

Age Age Age at expiry at Entry at Entry of the benefit

UL MahilaGain-Icovering Critical Illness Benefit,Reconstructive Surgery Benefit for Breast(s) 18 40 45due to Breast Cancer, Congenital Disability Benefit, Complications of Pregnancy Benefit

UL MahilaGain-IIcovering Critical Illness Benefit& Reconstructive Surgery Benefit for Breast(s) 18 45 55due to Breast Cancer

Flexibility in Coverage At Bajaj Allianz, we believe in offering benefits and not just products. We realize that you aunique and your need for insurance vary with time. We therefore offer you the flexibility oexclusion of coverage at each policy anniversary, subject to conditions relating to such exclusion

UL MahilaGain rider can be taken only at policy inception. Once selected, you have the option exclude the rider at any policy anniversary. However, if the life assured opts out of this rideoption once or if her attained age at any policy anniversary reaches the maximum allowable ageor policy term under the base policy is completed, the coverage will cease.

ExclusionsThe list of exclusions provides the conditions under which the Critical illness benefits will not payable. Critical illness occurs as a result of the insured person committing any breach of law Critical illness or the related symptoms existed at the date of commencement or reinstatemen

of risk Critical illness is diagnosed within 6 months of the date of commencement or reinstatemen Critical illness as a result of AIDS, any AIDS related illness or HIV infection Critical illness as a result of self-inflicted injuries whilst sane or insane Critical illness as a result of war, invasion, civil war, rebellion, riots. Critical illness as a consequence of the insured person being under the influence of alcoho

or drugs other than in accordance with the directions of a registered medical practitioner Critical illness occurs as a result of the insured person taking part in any naval, military or a

force operation Critical illness occurs as a result of the insured person participating in or training for an

dangerous or hazardous sport or competition or riding or driving in any form of race orcompetition

Critical illness occurs as a result of aviation, gliding or any form of aerial flight other than a fare paying passenger of a recognised airline on regular routes and on a scheduled timetable

Failure to seek or follow medical advice

In the following case the Reconstructive breast surgery benefit will not be paid: Reduction oaugmentation mammoplasty of the unaffected breast.

A snapshot of the Charges on UL MahilaGain at various age groups

Age UL MahilaGain I UL MahilaGain II(per Rs. 1,000 Sum Assured) (per Rs. 1,000 Sum Assured)20 3.20 1.8430 5.31 2.5940 8.47 5.3950 NA 13.27

Note : The charge would be deducted monthly by unit cancellations and would vary based onage attained in that policy year.

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Insurance is the subject matter of the solicitation.

This product brochure gives the salient features of the additional benefits only.

LifeIndividual

Bajaj Allianz Life Insurance Company Limited

Bajaj Allianz UL MahilaGainUnique plan that takes care of you and your health.

UL MahilaGain

Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take

out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India,any rebate of the whole or part of the commission payable or any rebate of the premium shown on thepolicy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except suchrebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Any person making default in complying with the provision of this section shall be punishable with a finethat may extend to five hundred rupees.

Section 45 of the Insurance Act, 1938No Policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement madein the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or inany other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder and that the policy holder knew at the time of making it that thestatement was false or that it suppressed facts which it was material to disclose.The Policy shall be subject to and governed by the terms of the Policy document and all the terms and schedulecontained therein (enclosed) shall together form a single agreement.

Contact DetailsBajaj Allianz Life Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada,Pune - 411 006. Tel: (020) 6602 6777. Fax: (020) 6602 6789.

CALL 1800 233 7272 (TOLL FREE) OR 020 30587888

email: life@bajajallianz.co.in Visit us at: www.bajajallianzlife.co.in

For More Information: Kindly consult our Insurance Consultant or call us today on the numbersmentioned above.

This brochure should be read in conjunction with the Benefit I llustration and Policy Exclusions.Please ask for the same along with the quotation.

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Why Bajaj Allianz Life Insurance?Bajaj Allianz Life Insurance Company Limited is a union between Allianz SE, the worlds leading insurerand Bajaj Auto, one of Indias most respected names. Allianz SE is a leading insurance conglomerateglobally and one of the largest asset managers in the world, managing assets worth over a Trillion Euros(over Rs. 55,00,000 crores). At Bajaj Allianz, we realize that you seek an insurer you can trust your hardearned money with. Allianz SE has more than 110 years of financial experience in over 70 countries andBajaj Auto, trusted for over 55 years in the Indian market, are committed to offering you financialsolutions that provide all the security you need for your family and yourself.

At Bajaj Allianz, customer delight is our guiding principle. Ensuring world class solutions by offering youcustomized products with transparent benefits supported by the best technology is our business philosophy.

Unique Identification Number (UIN) : 116A017V01