HDFC Bank brings to you Health Suraksha, a unique health insurance plan, providing optimum health coverage at an affordable price. Health Suraksha covers not only hospitalisation in the event of an accident or sickness but extends to cover pre and post-hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses. Moreover, you get a renewal bonus for each claim-free year. Get “Health Suraksha” today and protect your tomorrow.

PRODUCT HIGHLIGHTS

	Optimum health insurance coverage at an affordable price
	Option to cover on Individual or Family Floater Basis
	Option to choose health insurance plans from an annual or two year policy
	Cumulative Bonus for each claim free year
	Provides Cost of Health Check up after 4 claim free years
	Cashless Claims Service across India at 3800+ network hospital
	No medical check-up up to 45 years of age
	Income Tax Benefit Under Section 80D of the Income Tax Act
	Hassle free Claims Process with minimum documentation and turnaround times
	No Sub-limits on any disease, room rent, hospital charges and doctor fees.*
(* Except for Ayurvedic/Homeopathic Benefit)

WHAT IS COVERED

	In-Patient Treatment - Covers hospitalisation expenses due to an illness or accident. Pays for medical expenses
	incurred for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, medicines or drugs and other related expenses
	Pre-Hospitalisation - Pays for medical expenses incurred due to an illness 60 days immediately before hospitalisation
	Post-Hospitalisation - Pays for medical expenses incurred 90 days immediately after the discharge post hospitalisation
	Day care procedures - Pays for medical expenses for 141 day care procedures which do not require 24 hours
	hospitalisation due to technological advancement
	Domiciliary Treatment - Pays for expenses incurred for medical treatment taken at home, on the advice of a physician
	Organ Donor - Pays for medical expenses for an organ donor's treatment in the event of organ transplantation
	Emergency Ambulance - Pays for expenses for utilizing ambulance services in an emergency
	Ayush - Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy

WHAT IS NOT COVERED

	Any Treatment within first 30 days of cover except any accidental injury
	Pre-existing conditions will not be covered for first 48 months
	Expenses arising from HIV or AIDS and related diseases.
	Mental disorder or insanity, cosmetic surgery, weight control treatment
	Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
	Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
	Addiction to drugs or alcohol
	Pregnancy, dental and external aids and appliances unless covered under specific plans
	2 year exclusions for specific diseases
	Experimental, investigational or unproven treatment, devices & pharmacological regimens
	No sub-limit not applicable for Ayurvedic / Homeopathic benefit
	For a complete list of exclusions, kindly refer our policy wordings

CLAIMS PROCESS

	Incase of hospitalization, intimation should be provided to the Company / TPA immediately and not less than 7 days
	In all other cases, the Company / TPA must be informed of any event or occurrence tha may give rise to a claim under
	this Policy at least 7 days prior to any consequent treatment, consultation or procedure being taken and the Company / TPA should pre-authorise such treatment, consultation or procedure
	Any documentation and information requested to establish the circumstances of the claim, its quantum or the Company’s
	liability for the claim, should be submitted within 10 days of our request or discharge from Hospital or completion of treatment, whichever is earlier.

Schedule of Benefits - Individual & Family Floater.

RENEWALS

	Cumulative bonus of 5% for every claim-free year upto a maximum of 50%
	Pays upto 1% of Sum Insured, maximum upto Rs. 5000 for a Health Checkup after 4 consecutive claim-free years

TERMS & CONDITIONS

	Disclaimer: The above information is only indicative in nature. For details of the coverage and exclusions please refer
	to the policy wordings.
	Liability of the Company does not commence until the Company has accepted the proposal and full premium has
	been paid.
	The proposer has the option, to choose his policy with or without coinsurance. Under the coinsurance option we will
	coinsure the risk with Apollo Munich Health Insurance Company Limited, a registered and prominent stand-alone health insurance company which has expertise in underwriting and selling health insurance products. Furthermore, Apollo Munich is a joint venture between Asia’s largest integrated healthcare provider, The Apollo Hospitals Group, and Germany based Munich Re’s newest business segment, Munich Health.
	Anti-Rebating Warning: As per Section 41 of the Insurance Act 1938, as amended, the practice of rebating is prohibited,
	as follows: 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 policy 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 prospectus or tables of the insurer. Violation of Section 41 of the Insurance Act 1938, as amended, shall be punishable with a fine which may extend to five hundred (500) Rupees.