HDFC Health Assure Plan Benefits

Health Insurance provides you financial security when you need it most. However identifying the correct health insurance plan is critical for you and your loved ones. HDFC Life presents HDFC Life Health Assure comprises of benefits designed for your every need.

Premium Guarantee

  • Premium guaranteed for 3 years even if you make a claim
  • Multiplier Benefit - In case you do not make any claim for any of the insured member in any policy year, we will reward you with a Multiplier Limit equal to 50% of your policy Sum Insured in the following year. If you do not make any claim even in the second consecutive year, your Multiplier Limit will increase to 100% of policy Sum Insured. Thus your Annual Limit may increase to maximum of 200% of you policy Sum Insured in case there are no claims in two consecutive years.
  • Guaranteed Lifetime Renewability- If you pay premiums in time and the policy continues without any break in cover, then the plan offers guaranteed renewability for life time. Please see the product brochure for details

Following benefits are included depending on the gold/silver plan option selected:

  • Inpatient Hospitalization Benefit : If you or any of your insured family member suffers an illness or meets an accident and is hospitalized for a period exceeding 24 hours, this benefit will reimburse medical expenses incurred by the life insured.

  • Day Care Benefit : We will pay actual permissible medical expenses incurred upon undergoing any of the Listed Day Care procedures where 24 hour hospitalisation is not necessary

  • Pre and Post Hospitalization Benefit : We will pay the actual medical expenses incurred by you up to 30 days prior to the date of admission and 60 days from the date of discharge of Inpatient Hospitalisation or Day Care Benefit, subject to maximum amount of 10 % of policy Sum Insured.

  • Emergency Ambulance Benefit : We will pay the actual expenses incurred up to Rs. 2,000 per policy year per insured member towards ambulance service provided to transport the insured member who is admitted in the hospital.

  • Donor Expense Benefit : We will pay the actual medical expenses incurred during the procedure of donation of an organ provided the insured member is a recipient of the organ. This includes any hospitalization expense incurred by the Donor. However we will not pay the cost of the organ.

  • Maternity Benefit : The actual medical expenses will be reimbursed which are incurred by the insured life towards Hospitalisation as an inpatient due to pregnancy or any complications thereof, including delivery and medical termination of pregnancy.

  • Hospital Cash Benefit : If you have taken Gold plan option (Individual or Family Floater) and are admitted to a hospital for period exceeding 24 continuous hours, then we will pay Hospital Cash Benefit for each day of hospitalization. This benefit is not a stand-alone benefit and shall be paid along with settlement of claim payable under Inpatient Hospitalisation Benefit and is payable from within the Annual Limit.

  • Cashless Claim Service at more than 4,500 network hospitals across India
  • Flexibility to customize your plan with 2 more optional* benefits:
    1. Room Rent Enhancement : This option eliminates the sub-limit on room rent and provide more flexibility to choose room

    2. Restore Benefit Option : Under this option the Sum Insured is restored to the original level if basic Sum Insured & multiplier benefit is exhausted due to claims made.

  • Wellness Benefit for Gold Plan option - get health check-up vouchers in 2ndpolicy year of every 3 year term
  • Tax benefits subject to provisions contained under section 80D of the Income Tax Act 1961

* These options are optional benefits and can be added to the policy by paying extra premiums. Benefits are subject to terms & conditions, please refer product brochure for details

*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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