Page 71 - HDFC Bank | Take the cut out of your tax cut

v. Anaesthesia, blood, oxygen, operation theatre charges, medicines, drugs and consumables (other than those
specified in the list of excluded expenses (non-medical) in Annexure I;
vi. Surgical appliances and prosthetic devices recommended in writing by the attending Medical Practitioner and that
are used intra operatively during a Surgical Procedure;

vii. Cost of investigative tests or prescribed diagnostic procedures directly related to the Injury/Illness for which the
Insured Person is Hospitalized;

• Day Care Procedures/ Treatments: Medical Expenses incurred towards any day care procedure / treatment, which
require less than 24 hours Hospitalisation.

• Modern Treatments: Medical Expenses incurred towards the below mentioned modern treatments during the policy
period up to the annual sum insured
a. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

b. Immunotherapy- Monoclonal Antibody to be given as injection
c. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
d. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions
e. Balloon Sinuplasty

f. Oral Chemotherapy
g. Robotic surgeries*

h. Stereotactic radio Surgeries
i. Deep Brain stimulation
j. Intra vitreal injections

k. Bronchical Thermoplasty
l. IONM - (Intra Operative Neuro Monitoring)

Coverage Details: *Robotic surgeries shall be subject to sub-limits as mentioned under the policy

• Pre and Post Hospitalization Expenses: Expenses incurred immediately 60 days before and 180 days after hospitalization
will be covered.
• Donor Expenses: Medical Expenses incurred in respect of an organ donor’s Hospitalization during the Policy Period for
the harvesting of the organ donated subject to an overall limit of `10,00,000.

• Domiciliary Hospitalization: Medical Expenses incurred on medically necessary treatment up to annual sum insured
provided that the Domiciliary Hospitalization continues for at least 3 consecutive days.

• Home Care Treatment: Medical Expenses incurred on home care treatment up to 5% of Annual Sum Insured.

• In Patient AYUSH Hospitalisation: Medical Expenses incurred in respect of Inpatient AYUSH Treatment taken during the
Policy Period up to the Annual Sum Insured.

• Domestic Road Ambulance: Medical Expenses incurred towards road ambulance services which are offered by a
healthcare or ambulance service provider up to 1% of Annual Sum Insured subject to a maximum of `10,000.

• Air Ambulance: Medical Expenses incurred towards air ambulance services which are offered by a healthcare or an air
ambulance service provider up to the Annual sum limit.

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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