HDFC Health Assure Plan Eligibility

Individual Plan Family Floater Plan
Gold Silver Gold Silver
5 Lacs 3 Lacs 7 - 10 Lacs 3 - 5 Lacs

You have Flexibility to customize a plan as per your and your family's needs. Sum insured is the maximum amount of claim per policy per year that can be availed. This amount may increase in subsequent years due to Multiplier Benefit

Plan Details

Age and policy term limits for HDFC Life Health Assure Plan Are as Follows:

Minimum entry age for Adults and Policy holder 18 years
Minimum entry age for Dependent Children 91 days
Maximum entry age for both 70 years
Policy Term Whole life
Premium frequency Annual

Age has to be taken as of "last birthday" basis

Exclusion clause

The claim is treated as invalid under the following conditions:

  1. Claims occurring within 30 days of the First coverage commencement date or Reinstatement Date whichever occurs later, except where the benefits become payable in case of an Accident

  2. Claims arising from the listed conditions and treatment thereof until twenty four(24) months of continuous coverage have elapsed since the First coverage commencement date or Reinstatement Date whichever occurs later.

    ENT
    • Adenoid and Tonsillar Disorder
    • Deviated Nasal Septum / Nasal & Paranasal Sinus Disorders
    • Thyroid surgery for benign conditions
    • Functional endoscopic sinus surgery
    Gastrointestinal
    • Surgery of gallbladder and bile duct stones
    • Gastric/Duodenal Ulcer
    • All types of Hernia, Hydrocele
    • Hemorrhoids, Anal Fissure, Fistula, Rectal prolapse, pilonidal sinus
    Gynaecological
    • Benign breast disorder
    • Myomectomy, Hysterectomy with or without Bilateral salphingo-Opherectomy excluding malignancy
    Urogenital
    • Surgery of urinary stones
    • Benign enlargement of prostate gland
    • Varicocele, spermatocele
    • Treatment for Chronic renal failure or end stage renal failure
    Orthopaedic
    • Carpal tunnel syndrome
    • PIVD(unless due to accident)
    • Osteoporosis, Gout and Rheumatism
    • Osteoarthritis and Degenerative joint disorders
    • Knee/Joint Replacement Surgery (other than caused by an accident). For Knee replacement, Actual expenses incurred subject to a maximum of Rs.1.5 Lakhs whichever is lower, per life insured per knee per annum will be payable after the waiting period is over.
    Others
    • Skin conditions
    • Varicose Veins/Ulcers
    • Vitrectomy/Detachment surgery for Retinopathy
    • Cataract and age related eye conditions. Actual expenses incurred subject to a maximum of Rs. 20,000 per eye per life insured per annum will be paid towards Cataract after the Waiting period
    • Diabetes and related treatments
  3. Claims for any Pre-Existing condition(s) until thirty six (36) months of continuous coverage have elapsed since First coverage commencement date or Reinstatement Date, whichever occurs later.

  4. Claim under Maternity Benefit until thirty six (36) months of continuous coverage have elapsed since the First coverage commencement date or Reinstatement Date, whichever occurs later.

  5. Claims in respect of any Life Insured if it is directly or indirectly caused by, arises from, or is in any way attributable to any exclusion and/or restriction mentioned in the Policy Schedule.

  6. Claim in respect of any Life Insured if it is directly or indirectly caused by, arises from, or is in any way attributable to for Treatment received outside India, Non Allopathic and Experimental Treatment and etc. Please refer to policy terms and conditions for details.

  7. For further details on exclusions, please refer product brochure.

*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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