Page 47 - HDFC Bank | Take the cut out of your tax cut

Once in a Policy Year, you can avail Health Assessment which measures MER including
TM
Health Assessment TM BP, BMI, HWR and smoking status, Blood Sugar and Total Cholesterol. Charges for the
same shall be borne by the company.

Our policy rewards you for staying fit and healthy and these rewards are accumulated
in the form of HealthReturnsTM. You can start earning HealthReturns by completing the
following steps:
HealthReturns TM 1. Complete a health assessment which as a result provides you a healthy heart score.

2. Start exercising to earn Activ Dayz.

3. Monthly based on the accumulated Activ Dayz and your Healthy Heart Score.

At times when we are suffering from any of the chronic conditions, a coaching session with
a specialist may help. We give you a personalized coaching by a medical expert who will
Health Coach guide you through your health journey when you are suffering from Asthma, Hypertension,
Hyperlipidemia or Diabetes mellitus. These coaching session shall be provided on telephonic
discussion with You to help you become healthier version of yourself.

Reduction in PED Waiting Choosing this optional cover reduces your applicable waiting period of 48 months for
Period (optional Cover) claims related to Pre-existing diseases to, 24 months.

Through this optional cover, your sum insured can be reinstated unlimited times,
Unlimited Reload of Sum whenever you need it the most. If, due to claims made, you ever run out of your health
Insured (optional Cover) cover, we reinstate the entire sum insured unlimited times in a policy year. This benefit is
an extension of Reload of Sum Insured.

With Super NCB (Super No Claim Bonus), your Sum Insured increases by 50% every
claim-free year with a maximum accumulation of 100% of Sum Insured. The accumulated
Super NCB (Super No Claim Super NCB serves as an extension to your inbuilt NCB. You can opt for Super NCB either
Bonus) (optional Cover)
when applying for the policy, or at renewal. In case of a claim, Super NCB reduces at the
same rate at which it has increased, which is 50% of Sum Insured.
In case of an unfortunate event of hospitalization due to an accident, this optional cover
Accidental Hospitalization will provide you with an additional sum insured equal to your sum insured for in-patient
booster (optional Cover)
hospitalization. This benefit is available for sum insured upto 1 crore
In case of an unfortunate event of hospitalization of any of the insured members aged

Cancer Hospitalization more than 18 years due to cancer, this optional cover will provide them with an additional
Booster (optional Cover) sum insured equal to your sum insured for in-patient hospitalization.

This benefit is available for sum insured upto 1 crore.
This optional cover gives you the necessary freedom and helps you to get admitted in a
Any room Upgrade
(optional Cover) hospital without any restriction on type of room. This optional cover is applicable for sum
insured 5 Lakh
Preferred Provider Network **This optional cover offers you a discount of 10% on the premium, if treatment is taken
(PPN) Discount (optional in a hospital, other than those listed as “Preferred Provider Network”. A Co-Payment of
Cover) 10% shall be applicable on each and every claim.

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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