Page 32 - HDFC Bank TPP Flipbook

Plans Available:
1. Silver Smart
2. Gold Smart
3. Platinum Smart
Coverages:
1. Medical Expenses cover including mental health care: Covers hospitalisation expenses due to illness or
injury up to the Sum Insured.
2. Home Health Care: For medically necessary hospitalisation treatment at home of illnesses as prescribed by
treating medical practitioner availed through cashless facility only (available in select cities).
3. Pre-hospitalisation: Pays for pre-hospitalisation medical expenses incurred 60 days immediately before
hospitalisation.
4. Post-hospitalisation: Pays for post-hospitalisation medical expenses incurred up to 180 days from the date
of discharge from hospital.
5. Day Care Procedures: Covers day care procedures which do not require 24 hours hospitalisation due to
technological advancement.
6. Domiciliary Treatment: Pays for medical expenses incurred for treatment taken at home, on advice of a
Physician.
7. Organ Donor Expenses: Pays for medical expenses incurred on organ donor’s hospitalisation for harvesting
of the donated organ where an insured person is the recipient.
8. Road Ambulance: Pays maximum r 2,000 per claim for sum insured upto 5 lakhs and r 3,500 per claim for
Sum Insured more than 5 lakhs.
9. Alternative Treatments: Pays for medical expenses for in-patient hospitalisation treatment taken under
Ayurvedic, Unani Sidha or Homeopathy in an AYUSH Hospital.
10. Sum Insured Rebound*: Adds to the Sum Insured, an amount equivalent to the claim amount paid under
Basic Sum Insured on subsequent hospitalisation, subject to conditions that;
• Total Sum Insured added under this cover will not exceed the Basic Sum Insured in a Policy Year.
• Sum Insured Rebound will be available to all Insured Persons for all claims.
• A single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and the Cumulative Bonus
earned. In case of treatment for Chemotherapy and Dialysis, Sum Insured Rebound will be applicable
only once in lifetime of Policy.
11. Air Ambulance*: Reimbursement up to r 2 Lakhs in Gold Smart and Up to r 5 Lakhs for Platinum Smart for
Emergency Care which requires immediate and rapid ambulance transportation as prescribed by a Medical
Practitioner. It’s not available in Silver Smart Plan.
12. Recovery Benefit*: Pays a fixed amount as per the plan opted, once in the policy year upon Hospitalisation
exceeding 10 consecutive and continuous days.
13. Cumulative Bonus: Cumulative bonus of 10% for every claim-free year up to a maximum of 100% for Silver
Smart and Gold Smart and 25% at each claim free year up to a maximum of 200% for Platinum Smart.
14. Preventive Health Check-up Booster*: On every renewal irrespective of claim at our Network Diagnostic
Centres as per list of tests and eligibility.
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