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Sum Insured* : | Rs. 1,00,000 |
Membership Fee : | Rs. 1,499 |
*Complementary Life cover for death and 11 critical illness
Single call to block lost cards
Teleconsultation with Doctor by AWP Assistance (India) Private Limited
ZEE5 Annual Subscription
Music Subscription on Call (Gaana Plus)
For more details on features and benefits, please refer to the below sections.
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Please check your details and proceed to pay the Insurance Premium of Rs. 1,499
Key Benefits | V1 | V2 | V3 |
Single call to block all your cards | Yes | Yes | Yes |
Teleconsultation with Doctor by AWP Assistance (India) Private Limited | Yes | Yes | Yes |
Gaana Plus - Music Subscription (single subscription only) - on call | No | Yes | Yes |
ZEE5 All Access Annual Subscription (single subscription annually) | No | No | Yes |
Complimentary Group term life with critical illness rider | INR 50,000 | INR 70,000 | INR 1,00,000 |
Number of Members covered in membership | Primary member only | ||
Membership Tenure | 1 Year | ||
MRP inclusive of taxes | INR 899 | INR 1099 | INR 1499 |
Single call to block lost cards
Complementary Life cover for death and 11 critical illness
Teleconsultation with Doctor by AWP Assistance (India) Private Limited
ZEE5 Annual Subscription
Music Subscription on Call (Gaana Plus)
24 Hour Helpline to report Card Loss, Toll Free No: 1800 419 4000 Emergency international no: +91 921244-4000
CPP livCare Lite covers 11 critical illnesses - Cancer of Specified severity Open Chest Coronary Artery Bypass Grafting Surgery First Heart Attack of Specified severity Kidney Failure requiring regular Dialysis Major Organ / Bone Marrow Transplant Stroke resulting in permanent symptom Permanent Paralysis of Limbs Multiple Sclerosis with persisting symptoms Aortic Surgery Primary Pulmonary hypertension Alzheimer’s disease
Most Important Terms & Conditions (MITC) for your CPP LivCare Lite Membership (purchased and financed
through Bajaj
Finance Limited (‘BFL’) Table 1 (As Annexure 1 – Benefit Summary)
The Most Important Terms and
Conditions (MITC) of your
membership are listed below. Please refer to the Main Terms and Conditions which set out the terms
of your Agreement
with CPP
General
Service Related
Agreement and Terms & Conditions for Your CPP LivCare Lite Membership (Purchased and Financed through
BFL)
Please read
this document carefully and keep it in a safe place
Table 1 (As Annexure 1 – Benefit
Summary)
Please read this document carefully. It sets out terms and conditions of Your Agreement with CPP
Assistance Services
Private Limited (CPP) for the LivCare Lite Service.
Please refer to the Benefits Summary for the benefits as applicable to You for the CPP LivCare Lite
Membership Variant
purchased by You.
Definitions
Where the following words are used in these terms and conditions, they will have the meanings shown
below:
Abroad – In a country other than India.
Agreement – These terms and conditions of the CPP LivCare Lite Service product
and any changes thereto.
AWP IN - AWP Assistance (India) Private Limited
BFL – Bajaj Finance Limited, whose corporate
office is at 4th Floor, Bajaj Finserv Corporate Office, Off Pune Ahmednagar Road, Viman Nagar, Pune –
411014,
Maharashtra (and from whom You have financed Your CPP LiveCare Lite Membership).
Card – Your credit, debit, prepaid, cash
and other similar cards.
Card Loss – Loss by You or theft from You of a Card.
CPP - CPP Assistance Services Private
Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A,
Golf Course Road,
– 42, Gurgaon – 122002, Haryana India and registered office is at A-370, 2nd Floor,
Kalkaji, New Delhi – 110019.
Fee – Means the total amount as mentioned in the Table 1 (Annexure 1), inclusive of all
applicable taxes, that You pay
towards Your Membership which is shown in Your Welcome Pack or as agreed with You from time to time. CPP
reserves the
right to revise its Fee at any point of time.
Gaana - Gamma Gaana Limited
Home – The place where You permanently reside;
which You have given us as Your address while registering for the Membership.
Issuer – The issuers of the Cards.
Member | Customer – The person who has purchased and is entitled to use the Service whose
name
appears in the Welcome Pack.
Membership – Your right to use the Service for each year for which You pay the Fee as per
the
Agreement.
Period of
Agreement – Period as mentioned in Table 1 (Annexure 1) from the Start Date.
Service – Shall have the meaning given to
it in paragraph A below.
Start Date – The date on which the Membership commences as set out in Your Welcome Pack
which
We send to You.
We, us, our – CPP.
Welcome Pack - means the pack We send to You electronically when You have purchased
the Membership for the Services containing these terms and conditions and other information relevant to
the Service.
Year – A period of twelve (12) consecutive months. You,
Your – The Member.
ZEE – ZEE
Entertainment Enterprises Limited
ZEE5 – Online streaming services of various contents offered by ZEE CPP LivCare Lite
Membership Service is provided by CPP Assistance Services Private Limited, whose corporate office
address is at Ground
Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon - 122002,
Haryana, India in
conjunction with its third party suppliers/service providers. Should You have any queries about these
terms and
conditions or Your Membership, You can contact us by email at feedback@cppindia.com or by telephoning us
on
1860-419-4010 (lines open 11am to 9pm, seven (7) days a week). You can also write to us at the following
address:
CPP Assistance Services (Pvt) Ltd
P O Box No 826, Kalkaji Post Office, New Delhi - 110019
CPP LivCare Lite
A: Assistance Services – What is provided?
To provide You with health related services as set out in sections A1 below, We have contracted with AWP
IN, who is Our
third party supplier/service provider and will facilitate provision of these services. Services under
section A1 are
owned and/or facilitated by AWP IN and AWP IN will be responsible and liable for any claims arising from
the use of it
by You.
Following are some key Terms and Conditions for the Services offered under section A1
A1. Teleconsultation with Doctor
To avail this service, You will need to call AWP IN help desk number 18004190660 between 8 AM to 8 PM
(available all days except Sundays and national holidays). An AWP IN agent will speak to You and
accordingly will connect You with their team of doctors. Following are some key Terms and Conditions for
the Service:
1. You agree to not engage in any abusive, inappropriate or unlawful behaviour when communicating with
the Tele-consultant/ Doctors
2. The Service is intended for use for a planned consultation and is not intended to be used in a
medical emergency or in case of an urgent healthcare need.
3. The use of the Service does not create a doctor/patient relationship between You and Us or AWP IN.
4. CPP or AWP IN does not recommend or endorse any medical practitioners or make any representations or
warranties with respect to the quality of the Teleconsultation services a medical practitioner may
provide to You under this service.
A2: Card Loss Reporting Service
If You lose Your card (credit, debit, prepaid, cash and other similar cards), You can report a Card Loss
to Us at our 24X7 emergency helpline number 6000 4000 (pre-fix STD code) or 1800 419 4000 (Toll-free) and
We will contact the Issuers on Your behalf and ask them to cancel or block Your Card. CPP will attempt
to block the card with the help of other details provided by You on a best effort basis.
A3: Music Subscription (For Variant 2 and 3 only)
As part of this benefit, You will be provided with Gaana Plus subscription pack offered by Gaana which
will enable You to listen & download music on the Gaana Application. For deriving this benefit, You will
have to call CPP’s call centre 1860-419-4010 (lines open 11am to 9pm, seven (7) days a week) to place a
request to avail this benefit. You are governed by and must adhere to the following specific terms and
conditions:
Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from its use.
A4: ZEE5 All Access Annual Subscription (For Variant 3 only)
As a part of this benefit, You will be provided with ZEE5 All Access Annual Subscription offered by ZEE,
an online portal service with various contents, by way of streaming over the internet on mobile and
similar handheld devices, and by the way of mobile applications. With this You can watch Live TV
channels, originals, movies, TV shows with quality streaming and a premium experience.
For
deriving this benefit, You are provided with a unique ZEE5 redemption code in the Pack and You are
governed by and must adhere to the following specific terms and conditions:
Our role in relation to ZEE5 shall be limited to that of a mere facilitator, and We shall not in any
manner be liable to You for any loss, damage or compensation in relation to or arising from its use.
B: General conditions
Please read this section carefully as it contains important information.
Eligibility
The Service is only available to residents of India who are over the age of eighteen (18).
Term of Membership
1. Your Membership is available to the person whose name appears in the Welcome Pack only and is non-
transferable.
2. You must provide us with full and accurate information in connection with Your request for the CPP
LivCare Lite services.
3. Advance payment of the Fees is the essence of the commencement of the Membership and the Services
under the Agreement with You.
4. Your Membership begins on the Start Date and continues for the Period of Agreement in return for
advance payment of the Fee.
5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of discovering
the Card Loss. We will then contact on Your behalf to Your Card Issuer to get Your Cards blocked. For
this purpose, You hereby authorize Us to contact Your Card Issuer.
6. Any change or new addition to Your Service shall be intimated to You at least forty-five (45) days in
advance and such change shall become applicable to You from the date of such intimation. However, it is
clarified that the Assistance Service features listed under A1, A3 and A4, where We are acting as
facilitator, may be added, modified, removed or replaced during the Period of Agreement without this
advance notice period of forty-five (45) days.
Limitations
1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of the
Cards. In case You have not shared the details of a particular Card with us and request the same to be
blocked, We shall attempt to get that Card blocked with Your Card Issuer with the help of other details
provided by You on a best effort basis. In the event that Your 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) by Your Card Issuer, We will assist You by conferencing You on the telephone
call with the Issuer in order for You to provide such PIN/TIN for authentication purposes.
2. For services setup under section A1, Please note that CPP’s role here shall be limited to that
of a mere facilitator, and CPP shall not in any manner be liable to the customers for any loss, damage,
or compensation in relation to or arising from its use. Services under section A1 are owned and/or
facilitated by AWP IN, AWP IN will be responsible and liable for any claims arising from the use of AWP
IN products & Services by You. You expressly represent and warrant that you will not use these Services
if you do not understand, agree to become a party to, and abide by all of the Terms and Conditions and
Privacy Policy.
3. It is hereby declared that neither CPP nor AWP IN is not a merchant,
manufacturer, or provider of medical services, save for the provision of virtual health (“tele/video
consultation”) services. We or AWP IN makes no express or implied representations or warranties about
the description, quality, fitness for any particular purpose, productiveness, or any other matter in
relation to Services and disclaims any implied warranties, including, but not limited to, warranties or
implied warranties of merchantability or fitness for a particular purpose or use or non-infringement. In
addition to this CPP or AWP IN also does not authorize anyone to make any warranty on Our or AWP IN’s
behalf.
4. SERVICES UNDER SECTION A1 ARE NOT HEALTH INSURANCE POLICIES. These are Health related Services
provisioned by Our third party service provider at certain locations and access to virtual health
services.
5. For service under section A1, There will be times when the consulting doctor may not be able to
provide an assessment using telehealth consultation. The doctors are trained to assess the
appropriateness for conducting telehealth consultations on a case-by-case basis. They will ensure that
each consultation meets the standards required for patient examination and evaluation: if they are
unable to make a full, adequate assessment for advice, based on high quality evidence, they will
recommend the subscriber visit a doctor in a physical clinic. CPP, AWP IN or our third party service
providers do not practice medicine and do not provide medical consultation. We merely provide a
technology platform and infrastructure that enables you to connect with participating medical
practitioners/doctors listed on the Service and to use the messaging or communication facilities of the
Service that are designed to enable you to communicate with others communication tools to consult with a
medical practitioner. AWP IN does not recommend or endorse any medical practitioners or make any
representations or warranties with respect to the quality of the medical services a medical practitioner
may provide to You.
6. For service under section A1, The use of this Service does not create a doctor/patient
relationship between You and CPP or AWP IN. All medical consultation shall be provided to You by the
concerned medical practitioner who are working with AWP IN’s Service Providers, the medical practitioner
or AWP IN’s enrolled service provider You consult with shall be solely responsible for compliance with
all requirements applicable to his or her professional services provided to you and liable to you for
all medical consultation, medical advice, diagnosis or treatment recommended or provided to you. Neither
CPP nor AWP IN shall not be responsible or liable for any defect or deficiency in the medical
consultation, diagnosis or treatment recommended to you by any medical practitioner.
7. The consultation provided to you by medical practitioners through this Service are not intended
to replace your relationship with your primary care physician and you should continue to consult with
your primary care physician and other health care professionals as needed / recommended. You should seek
emergency help or follow-up care when recommended by a medical practitioner or when you are of the
opinion that such help or care is prudent in your sole opinion.
8. It is hereby clarified that Gaana will always remain responsible and liable for any services /
claims arising from the use of Gaana Plus Subscription (Section A3). You will be governed by the specific
Terms and Conditions of Gaana as applicable to you at the time of usage. Our role in relation to this
service provided to You shall be limited to that of a mere facilitator, and We shall not in any manner
be liable to You for any loss, damage or compensation in relation to or arising from the use of this
service.
9. It is hereby clarified that ZEE will always remain responsible and liable for any services /
claims arising from the use of ZEE5 All Access Annual Subscription (Section A4). You will be governed by
the specific Terms and Conditions of ZEE as applicable to you at the time of usage. Our role in relation
to this service provided to You shall be limited to that of a mere facilitator, and We shall not in any
manner be liable to You for any loss, damage or compensation in relation to or arising from the use of
this service.
10. All Services offered under this membership are provided on “As Is” and “As Available” basis
and may be subject to certain limitations. Consequently in no event shall CPP or its third party service
providers be liable to you or any third party for any indirect, consequential, exemplary, incidental,
special, or punitive damages, including lost business/revenue/profit/goodwill or damages arising from
your use or unavailability of these Services and/or any other the services offered to you by Us or our
third party service providers in any manner whether or not We or our third party service providers have
been warned of the possibility of such damages or could have reasonably foreseen such damages.
11. CPP reserves the right, in its sole discretion and without any obligation, to make
improvements to, or correct any error or omissions in, any component of, or term relating to, the
Services offered under this membership or any voucher issued to you by CPP or its third party service
providers and update information from time to time.
12. Note that the service set out in Section A1, A3, A4 of this Agreement will not be available
Abroad and within India, this service will be available in the cities under the coverage network.
13. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which might
occur to You due to wrong submission of any information to Us by You or if we are unable to provide the
Services to You for reasons beyond Our control or even after reasonable efforts made by Us.
Payment
1. You (or BFL if You have got Your CPP Membership financed through BFL) must pay the Fee in advance on
or before the due dates set out in Your Welcome Pack or which We agree with You from time to time and
You must re-pay BFL the full amount paid by BFL to Us on Your behalf for Your CPP Membership.
2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your
Membership until the Period of Agreement.
Cancelling Your Membership
1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date. If You
exercise this right to cancel then Your Membership will be cancelled immediately and any payment of
Membership Fees made by You (or BFL on Your behalf) will be refunded to You (or BFL) as the case may be,
as per the terms agreed with BFL. The refund of Membership Fee will be as per the following refund grid:
Within 30 days: 100% Refund After 30 days: No refund of membership fees No refund of Fee shall be due on
cancellation under any circumstances if You have used any of the features of the Service or if the
cancellation notice is provided after thirty (30) days from the Start Date
2. We will cancel Your Membership on written notice to You if:
• We do not receive advance payment of the Fee from You (or BFL) on the date it is due; and/or
• You have failed to re-pay BFL the full amount paid by BFL to Us on your behalf for Your
Membership and We are informed by BFL to cancel your Membership
• You have at any time: given us false or materially incomplete information in relation to Your
Membership; or committed a material breach of the terms and conditions of Your Membership.
Governing law and Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the laws of the Republic
of India.
We and You agree that all the disputes/differences arising out of or in relation to this
Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi.
You and We agree that terms and all other communications will be issued in English.
Complaints
If at any time You want to tell us about a problem with Your Membership please call us on 1860-419-4010
or You can write to the Complaints Manager at:
CPP Assistance Services (Pvt) Ltd P O Box No 826,
Kalkaji Post Office, New Delhi - 110019
We will do our best to revert to Your query within 48 working hours. We will also do our best to send
you communications as relevant from time to time to keep You informed on the progress. .
If you think you are not getting a satisfactory response, You may escalate the matter to escalations@
cppindia.com
Recording calls
We record all telephone calls made to us. We do this to:
• provide a record of the instructions We have received from You;
• allow us to monitor quality standards; • help us with staff training; and
• meet legal requirements. All communications and Membership documents will be in English unless
otherwise agreed.
Your consent
By entering into this Agreement You hereby expressly accord Your consent and authorize us to collect all
the required data/information including any sensitive personal data or information from You to service
You under this Agreement. Prior to providing any information, You have an option not to provide the data
or information sought under this Agreement by sending to us a written notice to that effect.
By entering into this Agreement, You hereby expressly accord Your consent that for the better
performance of this Agreement We may transfer Your data/information to any city within India or to a
country outside India as mentioned herein. If We do transfer Your data within or outside India, We will
make the appropriate checks to ensure that Your data is adequately protected.
Remember that upon request, You have a right to see and review all the personal information We hold
about You and if found to be inaccurate or deficient, shall be corrected or amended as feasible. If You
would like to request this, please contact our Customer Services Team on 1860-419-4010. Please note that
there will be a separate administration charge for the provision of this information. Please also note
that We will not be responsible for the authenticity of the information provided by You to us as
required under this Agreement You have the right to withdraw the consent earlier provided by You with
respect to providing Your data/ information sought by us anytime while availing the Services. Such
withdrawal of the consent shall be intimated in writing to us. However, in the event that You decide not
to provide the data/Information sought by us or withdraw the consent earlier given by You, then We
retain the right to not provide the services for which such data/information was sought.
Data Protection Notice
We will use the information You provide to:
• manage Your Membership;
• collect Fees when due; and
• provide the Service to You.
We may ask BFL to tell us about changes in Your address and other personal and financial details so that
We can update Your records. This may include, but is not limited to, asking for information about
changes to any of Your personal information (e.g. phone or fax numbers, or e-mail addresses).
We may pass Your personal information to our approved suppliers/service providers including our group
companies for the purpose of sending correspondence to You and providing some of the features of the
Service to You. They may contact You by post, landline telephone or, if You have previously agreed, by
email or mobile phone. By taking out Your Membership and by giving us Your address, phone number and
email address, You agree that We and our approved suppliers/service providers may contact You using
these methods, unless You have told us not to. If You do not want Your details to be used for these
purposes, please let Us know in writing at any time.
How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information is protected
against unauthorised use of any kind. We have appropriate measures in place to safeguard the data We
hold. Our Information and Data Security Systems at CPP Group Plc have been verified by accreditation in
the form of ISO 27001 and PCI-DSS certificate for Information Security Management.
Our suppliers/service providers are vetted to ensure they comply with the necessary data protection
protocol before they are approved.
We are continually reviewing and updating our security procedures as new technologies become available.
All areas of our website where personal information is collected are secure and will display the
‘padlock’ symbol for reassurance. Where information is transferred it shall be encrypted using the
latest encryption technology commercially available.
Please refer to our data privacy policy at our website https://in.cppgroup.com/ for more details.
Who We may pass Your details to and how they would be used
Updating Your records
We may ask BFL to tell us about changes in Your contact details / details specifically related to the
Services (subject
to any disclosure contract in this regard that You may have with BFL) so We can update Your Membership
records. This may
include asking for information about changes to any personal information (e.g. telephone, mobile phone
or fax numbers or
email addresses).
Providing the Service
If You ask us to report a lost Card, We will pass Your name and address and the details of the Card to
the Issuer so
that they can cancel it and provide a replacement, if requested by You. When You take the Membership, We
pass Your
personal details to our approved suppliers to provide some of the services described in Section A. We
will only pass to
them the minimum amount of information required for them to be able to identify You, should You need
these services. Our
suppliers will pass Your information (such as Your name, contact details, etc.) to third parties to
enable them to
assist You only in instances when You require help from them.
We may pass Your personal information to our approved fulfilment and courier vendors so that We can send
correspondence
to You and provide some of the features of the Service to You.
Marketing and Market Research
To avoid contacting You unnecessarily about products or services You may already have, We will compare
Your details with
information on prospect files prepared by our business partners. When We do this We may need to tell our
business
partners/third party suppliers/ service providers that You have subscribed for the Service or hold a
product with us and
disclose enough personal data to allow our business partners/third party suppliers/service providers to
identify You on
these files.
We and our approved suppliers/service providers may also use Your personal information to contact You
about goods and
services that might interest You or invite You to take part in market research surveys. You may be
contacted either by
post, phone or e-mail for these purposes. If You would prefer this not to happen, please let us know
when You register,
or call us at any time if You change Your mind.
AWP Assistance (India) Private Limited (AWP IN)
When You take our subscription, We pass Your personal details to AWP IN to provide the services
described in Section A1
. We will only pass to them the relevant amount of information required for them to be able to identify
You and create
your AWP IN membership, should You need to avail these services. AWP IN may pass Your personal
information (such as Your
name, contact details, etc.) to third parties to enable them to assist You only in instances when You
avail the services
offered in Section A1. However to offer these services, AWP IN may have to collect your personal
information and
identifiable health information including physical, physiological and mental health condition, and
medical records and
history as part of AWP IN’s virtual health services. The use of Your personal information and sensitive
personal
information which includes your health information will be governed by AWP IN’s Privacy Policy.
Grievance regarding Data Protection issues
If at any time You want to tell us about a problem, discrepancy or grievance regarding Your personal
data/
information/details or the processing thereof, please call our designated grievance officer Prachala
Singh on
1860-419-4010 or You can also write to our grievance officer at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826, Kalkaji Post Office, New Delhi - 110019
Our grievance officer will do
his best to expeditiously redress any issues/grievance that You
Table 1 (As Annexure 1 – Benefit Summary)
CPP LivCare Lite | Variant 1 | Variant 2 | Variant 3 |
---|---|---|---|
Single call to block all your cards | Yes | Yes | Yes |
Teleconsultation with Doctor | Yes | Yes | Yes |
Gaana Plus - Music Subscription (single subscription only) - on call | No | Yes | Yes |
ZEE5 All Access Annual Subscription (single subscription only) | No | No | Yes |
Complimentary Group Term Life Insurance with Critical Illness rider | INR 50K | INR 70K | INR 100K |
Number of Members covered in membership | Primary member only | ||
Membership Period | 1 Year | ||
MRP inclusive of taxes (In INR) | 899 | 1099 | 1499 |
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