Page 41 - HDFC Bank | Take the cut out of your tax cut

Added Benefit:
• Organ Donor Expenses

• Convalescence Benefit – In Gold Plan, In the event of insured hospitalized for a disease/illness/injury for a continuous
period exceeding 10 days, we will pay Convalescence Benefit. This benefit amount will be limited to Rs. 5,000 for Sum
Insured up to Rs.5 lakhs and Rs.7500 for Sum Insured 7.5 lakhs and above per policy year. In Silver Plan, In the event of
insured hospitalized for a disease/illness/injury for a continuous period exceeding 10 days, we will pay Convalescence
Benefit. This benefit amount will be limited to Rs. 5,000 per policy year
• Daily Cash Benefit for Accompanying an Insured Child (up to age 12yrs) - Daily cash benefit of Rs. 500/- will be payable.
This benefit will be limited to maximum up to 10 days during each policy year
• Sum Insured Reinstatement Benefit

• Maternity Expenses - This benefit will be limited to maximum 2 deliveries or termination(s) or either, during the lifetime of
the insured person. We will also pay the Medical Expenses of pre-natal and post-natal hospitalization within maternity sum
insured. Waiting period of 72 months from the date of issuance of the first Health Guard (Revised) policy will be applicable
• New Born Baby expenses - We will pay for Medical Expenses towards treatment of your new born baby. We will also pay
for Mandatory Vaccinations of the new born baby as recommended by the Indian Pediatric Association. These expenses
are covered up to a period of 90 days from the date of birth and within limit of the Sum Insured under Maternity Expenses
without payment of any additional premium
• Bariatric Surgery Cover - We will pay for Reasonable and Customary Expenses related to Bariatric Surgery provided that
it is Available for adults aged 18 years or older, Presence of severe obesity documented in contemporaneous clinical
records, BMI greater than and equal to 40 in conjunctions with any of the following severe comorbidities

1. Coronary heart disease; or
2. Medically refractory hypertension (blood pressure greater than 140 mm Hg systolic and/or 90 mm Hg diastolic
despite concurrent use of 3 anti-hypertensive agents of different classes); or

3. Type 2 diabetes mellitus
• Discounts - Family Discount of 10% if 2 family members are covered under a single policy, 15% discount if more than
2 members are covered under a single policy
1. 10% and 20% Co-payment discount on the policy premium
2. Long term discount – 4% discount if opted for 2 years and 8% discount if opted for 3 years

• Preventive Health Check-Up – Payable at the end of continuous period of 3 years, we will reimburse the amount equal
to 1% of the sum insured max up to Rs. 2000/- (silver plan) and Rs.5000/- (gold plan) for each member
in Individual policy. And 1% of the sum insured max up to Rs.5000/- (platinum plan) for each member in
Individual policy during the block of 2 years
• Zone wise premiums (Zone A, Zone B and Zone C) Ayurvedic and Homeopathic Hospitalization cover - Our maximum
liability maximum is up to Rs. 20,000/- per policy year. This benefit will be applicable annually for policies with term
more than 1 year.

Exclusions:
• Circumcision unless required for the treatment of Illness or Accidental bodily injury.
• Cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender.

• Convalescence, general debility, rest cure, congenital external diseases or defects or anomalies, genetic disorders, stem
cell implantation or surgery, or growth hormone therapy.

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*Based on Retail Loan book size (excluding mortgages). Source: Annual Reports FY 20-21 and No.1 on market capitalisation based on BSE data as on 31st Dec, 2021