JUST IN CASE, YOU’VE FORGOTTEN‘YOU’!Aegon Life Women CI Rider

Women Critical Illness Rider

INTRODUCTIONWake up at six. Get the kids packed off to school. Pack lunch

boxes for you and your spouse. Get ready for work. Travel to

and from work. Have a hectic and energy sapping day. Get

home, cook a meal. Have dinner and send the kids to bed. As

a woman of today, you end up doing a lot more without

realising the toll that it takes on your health. Today more

than ever, you, as a woman are susceptible to a lot more

illnesses.

Presenting the Aegon Life Women Care CI, a rider that can

be attached to the base plan so that health worries are the

last thing on your mind. As the old adage goes, “If there is

health, there is hope. If there is hope, there is everything.” So,

when you keep your health issues covered, you can do and

care more for your loved one and nurture the hope for a

better life; a life that is in pace with the fast world.

BENEFIT STRUCTUREThe Aegon Life Women CI Rider covers illnesses pertaining

to women. On being diagnosed with any of the covered

illness a certain percentage of the base plan Sum Assured will

be paid. The illnesses covered under this rider are classified

into 2 groups viz. Group 1 & Group 2. When applying for this

rider, both the groups (Group 1 & Group 2) will be provided

subject to the eligibility conditions for each group. The illness

covered and the benefit amounts are as below:

You can claim only once under each benefit group

throughout the Policy Term. Once the claim is made under

any group, the subsequent premium will be reduced by an

amount equal to the premium for the claimed group.

This rider does not provide any benefit on death of the Life

Assured or on maturity of the rider or on surrender of the

rider.

ELIGIBILITY

Group Conditions covered Benefit amount

Group 1 Malignant Cancer of 5% of base Sum Assured

the Female Organs subject to Minimum of

1 lakh and maximum of`

10 lakhs`

Group 2 n Birth of child with 2.5% of base Sum Assured

Congenital Disorders / subject to minimum of

Surgeries 50,000 and maximum` n Pregnancy Complications of 5 lakhs`

Parameter Group 1 Group 2

Entry Age Minimum - 18 years Minimum - 18 years

completed; completed;

Maximum - 65 years Maximum - 35 years

last birthday last birthday

Maximum Maturity Maximum - 75 years Maximum - 40 years

Age last birthday last birthday

Sum Assured 5% of base Sum 2.5% of base Sum

Assured subject to Assured subject to

Minimum of Minimum of

50,000 & 25,000 and` `

Maximum of Maximum of

10,00,000 5,00,000` `

Rider Term* Minimum: 10 years

Maximum: 40 years

Rider term will not exceed the Policy Term.

Premium Payment Equal to the Rider Term

Term

Premium Payment Same as base plan

Frequency

Gender This rider is available to female lives only

OTHER FEATURESFree Look Cancellation:

If you are not satisfied with any of the terms and

conditions of the Policy, you may return the Policy

document to the Company for cancellation within:

n 15 days from the date you received it, if your Policy is

not purchased through Distance marketing*

n In case purchased through distance marketing*, 30 days

from the date you received the Policy

On cancellation of the Policy during the freelook period,

we will return the premium paid subject to the deduction

of:

a) Stamp duty paid and

b) Expenses borne by the Company on medical

examination, if any

The Policy will terminate on payment of this amount and

all rights, benefits and interests under this Policy will stand

extinguished.

*Distance marketing: Distance marketing includes every

activity of solicitation (including lead generation) and sale

of insurance products through the following modes: (i)

Voice mode, which includes telephone-calling (ii) Short

Messaging service (SMS) (iii) Electronic mode which

includes e-mail, internet and interactive television (DTH)

(iv) Physical mode which includes direct postal mail and

newspaper & magazine inserts and (v) Solicitation through

any means of communication other than in person.

Option to attach or detach Rider Benefit:

The rider can be added anytime during the Policy year and

the rider can be detached from the next premium due

date after the request has been made. Addition of riders

will be subject to underwriting requirements.

Rider Premium:

The premium rate for this rider will depend upon the age

at entry and the Sum Assured under the base plan.

Rider premium is sum total of premium for group 1

benefit and group 2 benefits. After age 40 premium

applicable only for group 1 benefits will be charged.

Company may change the premium rates on fifth policy

anniversary after clearance of revised rates from IRDAI

and the new premium rates will be guaranteed for next

five years.

Advance Premium:

Advance installment premium will be accepted only for

premium due date with in the same financial year. The

premium so collected in advance shall only be adjusted on

the due date of the premium.

TERMS & CONDITIONS

Definitions:

n Malignant Cancer of the Female Organs: Lump sum

benefits as per the Sum Insured will be payable on diagnosis of any Malignant Cancer of the following

female Organs:

Breast Cervix Uteri Corpus Uteri • • •

• • • Ovary Vulva Vagina

Fallopian Tube•

Definition of Cancer: A malignant tumor characterized by

the uncontrolled growth and spread of malignant cells

with invasion and destruction of normal tissues. This

diagnosis must be supported by histological evidence of

malignancy and confirmed by a pathologist. The term

cancer includes leukemia, lymphoma and sarcoma.

n Birth of child with Congenital Disorders/Surgeries:

Lump sum benefits as per the Sum Assured will be payable

on occurrence of the following events to the child:

Open Heart Surgical Repair of ASD•

Open Heart Surgical Repair of VSD•

Surgical Repair of Tetralogy of Fallot•

Surgical Repair of Transposition of Great Vessels•

Confirmed diagnosis of the Down's syndrome•

n Pregnancy Complications:

Lump sum benefits as per the Sum Assured will be payable

on Pregnancy related Complications as specified below:

On diagnosis of Disseminated Intravascular •

Coagulation (DIC) during pregnancy

On diagnosis of Molar Pregnancy•

On undergoing hysterectomy due to Post partum •

hemorrhage

Definition of Open Heart Surgical Repair:

The actual undergoing of open-heart valve surgery is to

replace or repair one or more heart valves, as a

consequence of defects in, abnormalities of, or disease-

affected cardiac valve(s). The diagnosis of the valve

abnormality must be supported by an echocardiography

and the realization of surgery has to be confirmed by a

specialist medical practitioner. Catheter based techniques

including but not limited to, balloon

valvotomy/valvuloplasty are excluded.

Other Terms & Conditions:

• Service tax on premiums will be payable as per the

applicable tax laws.

• Premium due dates will be the same dates as for the

base plan.

• If a due premium is not paid within the grace period,

the rider will lapse

• The lapsed rider may be reinstated as per the terms

and conditions applicable to reinstatement of the base

plan to which it is attached and the reinstatement

happens along with the base plan.

• Reinstatement period is 2 years from the date of first

unpaid premium. If the rider is not reinstated alongwith

the base Policy, then reinstatement of rider is not

allowed at a later stage. However, a new rider can be

added.

• Sum Assured cannot be changed during the term of the

rider.

Waiting Period

There is a waiting period of 180 days waiting period for

benefits under Group 1 and 1 year for benefits under

Group 2.

Exclusions

• Malignant Cancer of the Female Organs

• Carcinoma-in-situ or tumours histologically

described as pre-malignant or non-invasive including

but not limited to carcinoma-in-situ of the breasts,

Cervical Dysplasia: CIN-1, CIN-2 and CIN-3; vaginal

intra-epithelial neoplasia (VAIN) & Vulvar intra-

epithelial neoplasia (VIN)

• All tumours and cancers in the presence of HIV

infection or conditions due to any Acquired Immune

Deficiency Syndrome (AIDS) All tumours that have

metastasized from organs other than the breast,

fallopian tube, cervix, ovarian, uterus, vagina and

vulva.

• Birth of child with Congenital Disorders/Surgeries:

• Benefit will not be payable for children born before

the policy is taken or within 1 year of policy

commencement.

Birth of child with congenital disorder or •

complication arising when life assured is a carrier of

surrogacy pregnancy is not covered. Benefit is

payable on surgery before age of 18 yrs for the

child subject to policy being in force.

Age of the life assured at delivery of the child •

not be more than 40 years to avail this should

benefit.

Benefit will not be applicable on adoption of child •

child born from a surrogate mother or

Pregnancy Complications:•

Benefit will not be payable within 1 yr of Policy •

commencement

Any disseminated intravascular coagulation arising •

during the first 7 months of pregnancy will not be

covered

Age of the Life Assured should not be more than 40 •

years to avail this benefit.

Any complication arising from surrogacy or fertility •

treatment including in-vitro fertilizations.

ASSIGNMENT AND NOMINATION

Assignment: Allowed as per section 38 of the Insurance

Act 1938 as amended from time to time

Nomination: Allowed as per section 39 of the Insurance

Act 1938 as amended from time to time

Prohibition of Rebates

Section 41 of the Insurance Act, 1938 (as amended from

time to time) states: 1) 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 the policy, nor shall any person taking out or renewing

or continuing a policy accept any rebate, except such

rebate as may be allowed in accordance with the

published prospectuses or tables of the insurer.

2) Any person making default in complying with the

provision of this section shall be punishable with fine,

which may extend to Rs. 10 Lakh.

Non-Disclosure

Section 45 of the Insurance Act, 1938 (as amended from

time to time) states:

1) No Policy of Life Insurance shall be called in question

on any ground whatsoever after expiry of 3 yrs from the

date of date of policy i.e. from the date of issuance of

policy or the date of commencement of risk or the date

of revival of policy or the date of rider to the policy,

whichever is later.

2) On the ground of fraud, a policy of Life Insurance may

be called in question at any time within 3 years from the

date of issuance of policy or the date of commencement

of risk or the date of revival of policy or the date of rider

to the policy, whichever is later. For this, the insurer shall

have to communicate in writing to the insured or legal

representative or nominee or assignees of insured, as

applicable, mentioning the ground and materials on which

such decision is based.

For full texts of Section 38, Section 39 and Section 45,

please refer to the Insurance Act, 1938 (as amended from

time to time).

Disclaimer

• This product brochure should be read along with

the benefit Illustration. The brochure is not a

contract of insurance. The precise terms and

conditions of this plan are specified in the policy

contract.

• This product is underwritten by Aegon Life

Insurance Company Ltd.

• Sub-standard lives may be charged extra premiums

as per the insurer’s underwriting policy

• Insurance is the subject matter of the solicitation

• Insurance cover is available under this product

ABOUT AEGON LIFE INSURANCEAegon Life Insurance Company Limited (formerly AEGON

Religare Life Insurance Company Limited) launched its

pan-India operations in July, 2008 following a multi-channel

distribution strategy with a vision to help people plan

their life better. The fulfillment of this vision is based upon

having a complete product suite, providing customised

advice and enhancing the overall customer experience.

Aegon, an international provider of life insurance, pensions

and asset management and Bennett, Coleman & Company,

India's leading media conglomerate, have come together

to launch Aegon Life Insurance. This joint venture adopts a

local approach with the power of global expertise to

launch products that are focused on providing customers

with the means to meeting their long-terms financial goals.

The company is headquartered in Mumbai having 53

branches across 46 cities. The company has around 9600

life insurance agents serving over 4 lakh customers across

India.

ABOUT AEGONAegon's roots go back 170 years – to the first half of the nineteenth century. Since then, Aegon has grown into an international company, with businesses in more than 20 countries in the Americas, Europe and Asia. In the US,

Aegon's leading market, it operates under the Transamerica brand. Today, Aegon is one of the world's leading financial services organizations, providing life insurance, pensions and asset management. Aegon never loses sight of its purpose to help its customers secure their long-term financial future. With around 28,000 employees, it has 635 billion Euros of revenue-generating investments.

ABOUT BENNETT, COLEMAN & COMPANY LIMITEDThe Times Group is one of the leading media conglomerate in India having presence in print, radio, TV, outdoor media and the internet through Bennett, Coleman and Company Limited (BCCL) and its subsidiaries. The Times of India, the flagship brand of the company, is the number 1 English newspaper in India and the World by circulation. With a turnover exceeding a billion dollars, the group has the support of over 25,000 advertisers, 11,000 employees and an audience spanning across all continents.

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Trade logo displayed belongs to M/s Aegon N.V. and M/s Bennett, Coleman and Co. Ltd. and used by Aegon Life Insurance Co. Ltd. under trade agreement.

Registered Office:Aegon Life Insurance Company Ltd., IRDAI Company Registration No. 138Corporate Identity No. : U 66010MH2007PLC169110 Building No. 3, Third floor, Unit No. 1, NESCO IT Park, Western Express Highway,Goregaon (E), Mumbai 400 063.Tel: +91 22 6118 0100, Fax: 02261180200 / 300,e-mail: customer.care@aegonlife.com Advt no. IC/Dec 2015/2881

Product Name: Aegon Life Women CI Rider Plan, UIN 138B005V02This is a non-linked non-participating term insurance planFor more details: Call (Toll Free) 1800 209 9090www.aegonlife.com

Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public that: IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.