Coverage - FAQs

What is the policy term of the plan?

The plan provides whole life coverage.

Can a proposed policy holder be a life insured?

Yes, proposed policy holder can be a life insured.

Can I buy a policy as Proposed Policy Holder for my parents as Life Insured who is living at a different location?

Yes, you can buy a plan for your parents as Life Insured who is living at a different location.

Can I buy a single policy which will cover me living in one location & my family living in another location?

Yes, you can buy family floater policy for you & your family even if your family is living in different location from you.

What is the maximum age at which this plan can be bought?

Maximum age at entry is 70 years.

Can I insure my children in the Family Floater Plan?

Yes, you can insure your children from age of 91 days.

In case I bought HDFC Life Health Assure Family Floater Gold plan & paid premiums for 3 continuous years & in 4th year if I have added my newborn son at age 91st days, will this multiplier Benefit be applicable to him as well?

Yes, multiplier benefit will be applicable.

Which of my relations can I cover in Family Floater Plan?

For Online cases you may cover your lawful spouse, both parents and parents-in-law subject to maximum age at entry of 45 years & dependent children age 91 days and above.

Can I add my parents and / or parents-in-laws in the later stage during policy term?

No, you have to add your parents and / or parents-in-laws at the inception of the policy.

Can I cover my adopted child?

Yes, you can cover legally adopted child subject to company underwriting norms.

Which family members can be added after the inception of the policy?

You can add your lawful spouse & your children after policy inception.

Does this policy cover the Pre & Post Hospitalization expenses incurred by Life Insured?

Yes, this policy cover the Pre & Post Hospitalization expenses incurred by life insured if the Life Insured is recipient of the organ and if the Inpatient hospitalization benefit is eligible for payment.

Does this policy cover cost of medical termination of pregnancy?

Yes, this policy cover cost of medical termination of pregnancy under Family Floater Gold Plan option.

Does this policy covers new born child from birth?

No, the policy will not cover new born child from birth. The policy will cover new born child from the age 91 days & on submission of the duly filled application by the proposer L and as per company underwriting norms.

Can I get the Hospital Cash Benefit from day one of hospitalization under Gold plan option?

No, you will not get hospital cash benefit from day one of hospitalization under gold plan option. After 24 hours (one day) of continuous hospitalization, Hospital Cash Benefit will be payable for each subsequent day of hospitalization.

Can I get the Hospital Cash Benefit under Silver plan option?

No, you will not get hospital cash benefit under silver plan option.

Can I en cash the Wellness Vouchers (Health Check up vouchers)?

No you cannot en cash the Wellness Vouchers.

In case of Family Floater Gold Option plan whether all Life insured will receive Wellness Vouchers?

Yes, in case of Family Floater plan all Life Insured will receive Wellness Vouchers.

Can I claim the benefits under this policy if I got hospitalized for any illness within 15 days from the date of purchase of this policy?

No, you will not get claim in this case as there is a waiting period of 30 days for claiming medical expenses incurred by any Life Insured under this policy. However we will pay the benefit in case of hospitalization due to accident even if it occurred within 30 days from the date of policy inception.

What is the maximum age of expiry of the cover?

This product offers Guaranteed Life Time Renewability i.e., there is no maximum age of expiry of benefit.

Max age of expiry of cover for insured child

There is no Maximum age of expiry of cover for insured child.

*premium Amount for Male, 35 yrs, 10 year term, Silver option, including tax.
HDFC Standard Life Insurance Company Limited.

Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. HDFC Life Health Assure Plan (Form No. P501-105, UIN: 101N087V01) is the name of traditional health plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Health Assure Plan is only the name of the product. The name of the company, name of the brand and the name of the product does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Standard Life Insurance Company Ltd. IRDAI Reg No. : 101. ARN: MC/03/2015/6186.
CIN: U99999MH2000PLC128245. Tax benefits are subject to change in tax laws.

Corporate Office & Registered Address

HDFC Standard Life Insurance Company Ltd.
Lodha Excelus, 13th Floor Apollo Mills Compound,
N.M. Joshi Marg, Mahalaxmi
Mumbai, Maharashtra 400011
Telephone: (022) 67516666

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