Page 43 - HDFC Bank | Take the cut out of your tax cut

• Sum Insured Reinstatement Benefit
• Hospital Cash Benefit - The Daily Allowance of Rs.500/- per day, for each continuous and completed period of 24 hours
of Hospitalization necessitated solely by reason of the said Accidental Bodily Injury or Sickness, subject to a maximum
of 30 days during the Policy Period.

• Preventive Health Check Up - At the end of a block of every continuous 3 policy years during which you have held Our
Family Health Care policy, you are eligible for a free Preventive Health check-up. We will reimburse the amount equal to
1% of the sum insured max up to Rs.2000/- during the block of 3 years.

• Ayurvedic / Homeopathic Hospitalization Expenses - If you are Hospitalized for not less than 24 hours, in an Ayurvedic
/ Homeopathic Hospital which is a government hospital or in any institute recognized by government and/or accredited
by Quality Council of India/ National Accreditation Board on Health on the advice of a Doctor because of Illness or
Accidental Bodily Injury sustained or contracted during the Policy Period then we will pay you:
In-patient Treatment- Medical Expenses for Ayurvedic and Homeopathic treatment:

1. Room, Boarding and Nursing Expenses as provided by the Hospital/Nursing Home as per actuals.

2. ICU Boarding and Nursing Expenses as provided by the Hospital/Nursing Home as per actuals.
3. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.

4. Anesthesia, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, relevant laboratory
diagnostic tests, X-ray and such similar expenses that are medically necessary.

5. Our maximum liability maximum for any or all the above expenses is limited up to 25% of Sum Insured per policy
period.

Additional Benefit:
• Cumulative bonus
If you renew Your Family Health Care policy with us without any break and there has been no claim in the preceding year,
we will increase the Limit of Indemnity by 10% of base sum insured per annum, but:

i. The maximum cumulative increase in the Limit of Indemnity will be limited to 5 years and 50% of your first Family
Health Care policy with us.
ii. This clause does not alter the annual character of this insurance or our right to decline to renew or to cancel the Policy
iii. If a claim is made in any year where a cumulative increase has been applied, then the increased limit of Indemnity
in the policy period of the subsequent Family Health Care policy shall be reduced by 10%, save that the limit of
indemnity applicable to your first Family Health Care policy with us shall be preserved.

Exclusions:
• Benefits will not be available for Any Pre-existing condition, ailment or injury, until 36 months of continuous coverage
have elapsed, after the date of inception of the first Family Health Care policy, provided the preexisting disease / ailment
/ injury is disclosed on the proposal form.
• Medical expenses where Inpatient care is not warranted and does not require supervision of qualified nursing staff and
qualified medical practitioner round the clock.

• Any form of plastic surgery unless necessary for the treatment of cancer, burns or accidental Bodily Injury

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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