Page 59 - HDFC Bank | Take the cut out of your tax cut

Premium Waiver - If an Insured Person is diagnosed for the
first time with or for any of the listed (20) Critical Illnesses
OR suffers an Injury due to an Accident resulting in the
Permanent Total Disablement within 365 days from the date
of the Accident during the policy period, the Policy shall be
automatically be extended for a tenure of 1 Policy Year.

21 Waiver of premium for 1 year shall be excluding optional Yes Yes
covers opted. This optional cover can be opted only at
Inception of the policy.
Renewal/Portability/Migration cases - NA

Selection of this Optional Cover will on Individual basis for
Multi Individual Policies.

For Family Floater if opted will be applied at policy level.
EMI Protection - We will pay 3 EMI’s towards existing
loan account if the insured person is hospitalized and
claim is admissible under In- patient Hospitalization
under Section C.I.(a) or Day Care Treatment under Section
C.I.(c) or Section C.I.(i) (AYUSH Cover) or Section C.I. (f)
(a) Domiciliary Hospitalization or (f) (b) Home Treatment

22 due to any illness/injury in excess of 6 consecutive days Yes Yes
during the policy period while the policy is in force. These
3 EMI’s will be paid as a lump sum amount post discharge
from the hospital.

Sum Insured INR 10000 - 1 Lac (In multiple of 10,000)

Selection of this Optional Cover will be on Individual
basis irrespective of Policy Type.

23 Non - Medical Expense waiver (List as per annexure 1) Yes Yes
Reduction in Maternity Waiting Period from 36 months to
24 months from the inception of first policy with us.
24 Yes Yes
Selection of this optional cover is not applicable for
Renewal/Portability/Migration cases

25 OPD Expense Yes Yes

Cover medical expenses incurred during the policy period for outpatient consultation as specified below in relation
to any illness/injury occurred during the policy period. These services shall be provided through Empanelled Service
Provider in selected cities on cashless basis only.

(25.a.) Physical outpatient Consultation by General Medical Practitioner or AYUSH Medical Available Unlimited
Practitioner times during policy year
Available Unlimited
(25.b.) Teleconsultations by General Medical Practitioner or AYUSH Medical Practitioner
times during policy year

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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