Page 64 - HDFC Bank | Take the cut out of your tax cut

Key Features & USPs of the product:
• Age limit up to 60 years

• Hospitalisation Cover: Expenses pertaining to in-patient hospitalisation such as room rent, intensive care unit charges,
surgeon’s and doctor’s fee, anesthesia, blood, oxygen, operation theatre charges etc. incurred during hospitalisation for a
minimum period of 24 consecutive hours are covered under the basic hospitalisation cover.
• Day Care Surgeries/ Treatments Coverage: Medical expenses incurred while undergoing Day Care Procedures/
Treatment which require less than 24 hours hospitalisation are covered.

• Pre and Post Hospitalisation Expenses: Medical expenses incurred, immediately, 90 days before and 180 days after
hospitalisation will be covered.
• In Patient AYUSH Treatment: Expenses for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH)
treatment only when it has been undergone in a AYUSH hospital or in AYUSH Day Care Center.
• Unlimited Reset Benefit: We will reset up to 100% of the base Sum Insured unlimited times in a policy year in case the
Sum Insured including accrued additional Sum Insured (if any), Super No Claim Bonus (if any) & Sum Insured Protector (if
any) is insufficient as a result of previous claims in that policy year. The reset amount can only be used for all future claims
within the same policy year, not related to the illness for which a claim has been paid in that policy year for the same person.

• Additional Sum Insured (ASI): At the time of renewal of this Policy, We will provide an additional sum insured (hereinafter
referred to as “Additional Sum Insured”) of 10% of annual sum insured of immediately preceding policy year subject to
a maximum of 100% provided that there is no Claim under this Policy during the Policy Year except as an Out-patient (If
opted). This cover will be applicable only within the geographical boundaries of India.
• Home Health Care: In this benefit we will cover the medical expenses incurred by you on availing treatment at home as
prescribed by a medical practitioner.
• Claim Protector*: In case the customer has opted for this cover, the list of non-payable items shall become payable in
case of a claim.

• Additional Sum Insured (ASI) Protector*: ASI accrued by the customer shall not be impacted if any one claim or
multiple claims admissible in the previous year does not exceed the overall amount of `50,000.
• 360 Wellbeing program: 360 Wellbeing program aims to empower individuals to manage their lifestyle and prevent
complications arising from adverse health conditions. It intends to promote, incentivise and reward individuals for healthy
behaviour through various health and wellbeing activities.
• Air Ambulance Cover: Air Ambulance expenses incurred to transfer the Insured Person following an emergency to the
nearest Hospital up to Sum Insured on cumulative basis.

• Domestic Road Emergency Ambulance Cover: Covers road ambulance expenses, incurred to transfer the Insured
following an emergency to the nearest hospital per event of emergency hospitalisation, provided we have accepted the
in-patient claim. For SI `5L/ 10L = up to a maximum limit of `3,000 For SI `25L/ 50L = up to a maximum limit of `5,000.
• Donor Expenses: Medical Expenses incurred in respect of the donor for any organ transplant surgery, provided the organ
donated is for the insured person’s use.
• Domiciliary Hospitalisation: We will cover the Medical Expenses incurred in respect of Your Domiciliary Hospitalization
during the Policy Period provided minimum hospitlisation of 3 days will be applicable only within the geographical
boundaries of India.

• PED Covered after 2 years: Pre-Existing Diseases that have been declared at the time of proposal and accepted by us
will be covered after 2 year waiting period.
• Out-Patient Treatment Cover: Outpatient (OPD) medical expenses covered on cashless and reimbursement basis

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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