Page 46 - HDFC Bank | Take the cut out of your tax cut

You may incur expenses for medicines, diagnostic tests or physiotherapy such costs
Post-hospitalization medical will be covered up to 60 days after your discharge from the hospital where a claim under
expenses
In-patient hospitalisation / Domiciliary hospitalization / day care treatment is accepted.

Due to advancements in medical science, certain medical procedures like a dialysis may
Day care treatment
not require a 24-hour hospitalization, we will cover you for such 586 procedures as well.

We will cover your medical expenses in case you need to get treated at home, if your
Domiciliary Hospitalization health condition did not allow hospital transfer or due to unavailability of a bed at
(Home Care)
the hospital

In case of an emergency, we will cover costs incurred on
Road Ambulance Cover
transportation to a hospital by a road ambulance as per your eligibility.

In case of organ transplants to you, we not only cover you, we also cover the medical
Organ Donor Expenses
expenses of the organ donor for harvesting the organ for your use, as per your eligibility.

In case the sum insured with no claim bonus (if any) / super NCB (if opted) is insufficient
as a result of previous claims in that policy year, then you get an additional 150% of
Reload of Sum Insured
sum insured, maximum up to 50 lakhs, for hospitalization due to an illness unrelated to
previous claims in that policy year.

We will pay you as per your eligibility, for medical expenses incurred by you towards your
AYUSH In-patient treatment in-patient hospitalization under AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha,
and Homeopathy) treatment.

For each day that you get hospitalized, you get an additional benefit of Rs.500/- per
Daily Allowance day as daily allowance. This benefit shall be payable for a maximum limit of 5 days per
hospitalization and is applicable only for sum insured up to Rs.4 lacs.

Vaccination expenses for children up to 18 years of age included in the policy will be
Vaccination covered as per the schedule provided. This benefit is applicable only for sum insured of
1 Crore and above.

With our policy, you get benefits even if you do not claim. We will provide you with a No
Claim Bonus which is 10% of Sum Insured for each year that you do not claim. Whenever
No Claim Bonus
there is a claim, No Claim Bonus reduces by the same rate at which it increased, which
is 10% of Sum Insured. The Maximum limit for No Claim Bonus is 50% of Sum Insured.

We provide a free health check-up for each and every insured member once in a policy
Health Check-Up Program year customized to the life stage you are in. This is available from the first year itself. The
tests are based on the Age and Sum Insured.

When it comes to detection of a major illness such a cancer, kidney failure or heart attack,
Second E-opinion on then a second opinion is always helpful. We understand that and provide you with a
Critical Illness
second e-opinion through a consortium of well qualified specialists.

Domestic / International We travel on work or sometimes to get away from our busy lives and sometimes we may
Emergency Assistance end up going to places that are remote. In such cases where an adequate medical facility
Services (Including Air is not available and you need medical help, we will help you reach such a medical facility
Ambulance) and then take you back to your home.

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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