Advantages & Benefits of HDFC Life Health Assure Plan

“So many people spend their health gaining wealth, and then have to spend their wealth to regain their health.” Vikram, 30, a young bachelor, didn’t want this to happen to him. Vikram lives with his parents. He owns a thriving business of manufacturing car spare parts. He recently purchased the HDFC Health Assure plan for his entire family. While making this purchase decision, he had two options – either to opt for an individual plan or a family floater plan. He chose the latter after some thought; however, his parents were not convinced about needing health insurance. Vikram’s father Mahesh, 58 is an advocate employed in a law firm that provides him with health insurance while his mother has a small home-based catering business of her own.

“Dad, what happens when you resign from this law firm and take up another employment? Will the health cover you have from the firm still remain?” Vikram asks his dad this crucial question. Realization dawns in Mahesh’s eyes. Vikram then makes his point clearer by showing his parents details of various features of the HDFC Health Assure.

  • Affordable : Health Assure is easy on the pocket and is customisable for just your needs. The plan covers inpatient hospitalisation, day care benefits, pre and post-hospitalisation benefits, emergency ambulance and donor expense benefits. It also provides you with maternity, hospital cash and wellness benefits. All of this for as low as Rs. 12 per day!
  • Comprehensive : Health Assure can be taken by individuals or by the entire family. HDFC Life’s Health Assure plan provides comprehensive coverage with two plan options for both individuals and families:
  1. Silver option : In the silver option, you will receive inpatient hospitalisation cover, day care benefits, pre and post-hospitalisation benefits, emergency ambulance charges and expenses for donors.

  2. Gold option : This provides all the benefits of the silver plan as well as hospital cash and maternity benefits (for family floater plan). HDFC Life even encourages you to be healthy and gives you free health check up vouchers from the second policy year for every 3-year term with the Gold option of the plan.

  • Multiplier benefit : You pay for your life insurance each year but it is not necessary that you make a claim. For claim-free years, you receive some benefits. Medical insurance plans from HDFC Life have generous no-claim benefits attached to them. As an example, one plan offers increase in the annual health insurance limit by as much as 50 per cent of no claims in the first year and 100 per cent in case no claims for two years.
  • Protection from premium shocks : Health insurance providers that increase premium suddenly can cause you to drop your health policy. You want an insurer that provides you a premium guarantee; in case of HDFC Life, your premiums are not increased even if you make a claim within the first three years of taking the policy.
  • Optional Benefits : For just a little extra money, you can also avail two optional benefits - room rent enhancement and restore benefit:
  1. Room rent enhancement : With the room rent enhancement option, any sub-limits on hospital rooms are eliminated. This means you can stay in a room of your choice.

  2. Restore benefit : Exhausted your multiplier benefit and sum assured due to a claim? With restore benefit, you can bring it back to the basic sum assured and continue receiving protection.

  • Hassle free claims : With HDFC Health Assure’s cashless claims service, you can avail treatment at any network hospitals. You will be provided with a health insurance card that you can use at these hospitals to avail their services. You can also avail reimbursement service with our Third Party Administrator (TPA) by submitting hospital bills after your discharge and make a claim for hospitalisation at the institution of your choice in case you would not like to avail benefit of cashless hospitalisation.
  • Tax benefits : HDFC Health Assure not only protects your family but also saves taxes for you. Under Section 80D of the Income Tax Act, you can claim a maximum of Rs 35,000 under the present laws as a deduction to your taxes. This is inclusive of the Rs 20,000 deduction allowed for your parents who are senior citizens.

Vikram’s parents have discovered that HDFC Life’s Health Assure is the right medical insurance plan for them. They too, like Vikram, now think that the benefits of this plan are what the family needs.

What else would you like to know?

*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 : L65110MH2000PLC128245. 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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