Welcome to HDFC General Insurance Ltd.Welcome to HDFC General Insurance Ltd. In today’s age of...

Welcome to HDFC General Insurance Ltd.

In today’s age of hectic work and busy schedules, we rarely have the time to take proper

care of ourselves. And more often than not, our health takes a backseat. Though the

negligence may not be deliberate, the stress of everyday life has made

us even more susceptible to health risks. With an increased cost of living and

continuously growing expenses, treatment for even the most common illnesses can

easily burn a hole in our pockets.

At HDFC General Insurance, we put ourselves in your shoes and keep every detail

in mind while designing your health plan. We understand that your family’s health

is most precious to you. Which is why we offer you a thoughtful and holistic health

insurance plan to reduce your concerns and let you enjoy absolute peace of mind.

my:health Medisure Classic Insurance

HDFC General Insurance Ltd. presents my:health Medisure Classic Insurance, a meticulously designed

insurance solution that understands your family's unique health needs and provides you with a

step-by-step plan to ensure their complete well-being. Especially designed through a scientific process,

my:health plans enables you to quickly bounce back from a medical emergency so that you can

continue to spend and cherish your time with your loved ones.

What does my:health Medisure Classic Insurance Cover?

At HDFC General Insurance, we make sure that most of your medical expenses are taken care of in case of a medical emergency.

my: health Medisure Classic Insurance covers:

1. Basic Cover

• Hospitalisation Expenses –

For treatment of any disease, illness or injury in a Hospital as an in-patient which includes-

- Fees of Surgeon, Anesthetist, Nurses and Specialists;

- Cost of Operation Theatre, diagnostic tests, medicines, blood, oxygen and internal appliances like pacemaker as long as these are medically necessary;

Treatment should be for a continuous period and includes relapse within 45 days from the date of last consultation at the Hospital/Nursing Home. Occurrence of same illness after a lapse of 45 days will be considered as fresh illness.

Hospitalisation as In-patient for a minimum period of 24 hours subject to the limits set below-

Room Rent/Boarding & Nursing as per actuals limited to 1% of the Sum Insured (excluding cumulative bonus) per day subject to a maximum of `4,000/- per day

ICU Rent/Boarding & Nursing as per actuals limited to 2% of the Sum Insured (excluding cumulative bonus) per day subject to a maximum of `6,000/- per day.

Expenses on account of Room Rent/ICU Boarding & Nursing if, incurred higher than the limits above, shall be reduced in the same proportion as such actual costs bears to the eligible limits above. Such limits shall not apply where Optional Cover for Waiver of Room Rent Sub-limits has been opted;

• Pre-hospitalisation expenses: This covers the relevant medical expenses you incur within a period of 30 days before you are admitted to a Hospital/Nursing Home provided that;

i. such medical expenses are incurred for the same condition for which your hospitalisation was required and

ii. The in-patient Hospitalisation claim for such hospitalisation is admissible by us.

• Post-hospitalisation expenses: This covers the relevant medical expenses, up to a period of 60 days, after you are discharged from the Hospital/Nursing Home provided that;

i. such medical expenses are incurred for the same condition for which your hospitalisation was required and

ii. The In-patient Hospitalisation claim for such Hospitalisation is admissible by us

Thus, ensuring that you don’t have to worry about expenses post-hospitalisation.

• Day Care Procedures: This covers the medical expenses for a day care procedure or surgery incurred by you for treatment or procedures that requires less than 24 hours of hospitalisation undertaken under general or local aneasthesia. There is no static list for day care procedures in the Policy as advances in medical science leads to many more being added continuously. So, whether it’s recommended by a medical practitioner or even if it is a new procedure, you can be rest assured that, we will cover it. However, this cover excludes diagnostic procedures and treatments taken on an outpatient basis.

• Domiciliary Hospitalisation: Coverage for medical treatment requiring hospitalisation, taken at home on advice of the attending medical practitioner, due to non-availability of a hospital bed, which continues for at least 3 days. Coverage is extended for pre-hospitalisation expenses incurred up to 30 days. However, the post-hospitalisation expenses are not covered.

• Hospitalisation due to Accident: If, during the term of your policy, the entire Sum Insured gets used up or is not enough to cover your second hospitalisation due to accident, the Sum Insured of your policy is ‘reinstated’ or ‘replenished’ to the extent of the claim amount (but not exceeding the Sum Insured) to cover this hospitalisation. This additional amount will be available only ONCE during the 12-month Policy Year.

• Maternity and New-born baby Cover:

Coverage towards maternity expenses and new-born baby cover up to the limit of Sum Insured below:

� Maximum of 10% of Sum Insured or `20,000/- for a normal delivery and 20% of Sum Insured or `40,000/- for a caesarean section or actual cost, whichever is lower.

� Coverage is applicable only for the first two children and/or termination(s).

� Coverage is limited to the female member who has been covered under any Policy issued by us for a continuous period of 48 months.

� New-born baby covered for a period of 90 days from date of birth within the maternity limits.

After 90 days, baby can be added under the Policy by way of endorsement and payment of additional Premium.

Ayurvedic Treatment: Coverage for cost of (non cosmetic) Ayurvedic treatment upto `25,000 per Policy Year, with prior approval from the Company requiring 24 hours hospitalisation/ residential in-patient with government registered hospital for the specified treatments (For details refer the Prospectus). Coverage for Ayurvedic treatments is applicable subject to terms, conditions, definitions, waiting periods and exclusions under the Policy.

• Pre-existing Diseases: After 36 months of continuous coverage, from the 4th year you can claim the payment of relevant medical expenses incurred on your pre-existing diseases.

2. Optional Covers

You can also avail our Optional covers on payment of additional premium.

• Double Sum Insured for Critical Illness:

- Provides for an additional cover equivalent to the Sum Insured excluding the cumulative bonus for treatment of - Cancer, Kidney Failure, Multiple Sclerosis, Primary Pulmonary Hypertension, Major Organ Transplant, Aorta Graft Surgery, Coronary Artery Bypass Graft, First Heart Attack and Stroke.

- Additional Sum Insured (excluding cumulative bonus) is exclusively available only for the treatment of the first occurrence of the above Critical Illnesses.

- Coverage will not be extended for the same Critical Illness for any subsequent Policy Year, however, the remaining critical illnesses will continue to be covered.

- This coverage is in addition to the Hospitalisation cover and the cumulative Sum Insured under both could be used for hospitalisation against covered Critical Illness. And both could be used for any Critical Illness event.

- The option can be availed only up to the age of 65 years (age last birthday) and for Sum Insured of `2 Lacs and above. For customers who avail of such option at or before that age, the cover shall continue to be available in the case of continuous renewals.

• Waiver of Room Rent Sub-limits:

- If this coverage is opted, the sub limits of Room Rent and ICU under the Basic Cover of Hospitalisation Expenses will be waived however, subject to the overall limit of the Sum Insured.

This Option can be availed during inception of the Policy or at the time of renewal. In case additional covers are opted at the time of renewal, its subject to Health check up and Medical Underwriting by the Company.

Other Features of my:health Medisure Classic Insurance

It is our constant endeavour to give you the plan best suited to your requirements. Equipped with various innovative features, HDFC General Insurance Ltd.’s my:health Medisure Classic Insurance offers you the following additional features:

• Hospital Cash: `500 per day from 4th to 10th day when hospitalisation exceeds 3 continuous days.

• Ambulance Charges: Maximum up to `1,500/- per hospitalisation.

• Recovery Benefit: `5,000/- when hospitalisation exceeds 10 continuous days or more.

• Health Check-Up: For all Insured Persons at the end of four continuous claim free Policy Years, limited to 1% of average Sum Insured excluding cumulative bonus, per person in case of Individual Policy and for all members put together in case of a floater.

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• Family Floater: You can cover up to 4 members of your family – your lawful spouse and 2 dependent children up to the age of 23 years - under a single policy and single Sum Insured.

• Family Discount: If you opt for Individual Sum Insured for each of your family members under a single policy instead of a Family Floater option, we give you a Family Discount of 10% on the total premium payable for covering more than 2 family members. This will include you, your lawful spouse, dependent children and dependant parents only. The Family discount will be available for a maximum of 6 persons only.

• Cumulative Bonus: The ‘Sum Insured’ of your policy progressively increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum Insured (if a claim is made, the Cumulative Benefit that has accrued will be reduced by 5% however, the basic Sum Insured will be maintained at all times).

• Two Year Policy Option: A discount of 5% is available on the combined premium for both the years.

• Lifetime Renewal of Policy: Your Policy is renewable for life time.

• Income Tax Benefit: You can get tax exemption on the premium paid under section 80D of the Income Tax Act.

• Free-look Period: If you are not satisfied with our coverage or terms, you have the option of cancelling the policy within 15 days, provided there has been no claim. We will refund the premium paid after adjusting the amounts spent on stamp duty charges, Medical examination (wherever applicable) and proportionate premium (If Policy has already commenced). Refund will not be applicable if you have made a claim against the Policy during that period.

• Co-payment: All Insured Persons above the age of 80 years (age last birthday) shall bear a

Lifetime Renewal of Policy

co-pay of 10% for each and every claim.

Renewal terms of my:health Medisure Classic

How to Renew your Policy?

You can renew your Policy by making a request to us before the expiry date. You can also renew policy within 30 days from expiry of your Policy subject to the fact that the premium for the renewal is received within the same period. In such a situation, you will be eligible to ‘continuity benefits’ like the cumulative Bonus and continuity of covers. Please note that we, shall not be liable for any claims arising out of ailments/hospitalisation during the period between expiry and renewal.

If the renewal of the Policy is not done within 30 days of due date, it will be considered as a new policy.

We will not be liable to pay hospitalisation expenses incurred during break period. Any disease/condition contracted in the break period will not be covered and will be treated as Pre-existing condition.

The Policy can be renewed for lifetime unless:

I. Any fraud, non cooperation, misrepresentation or suppression of material facts as sought to be declared on the Proposal form by You or on Your behalf is found either in obtaining insurance or subsequently in relation thereto or,

II. We have discontinued issuance of Policy under this Product, in which event You will have the option of renewal under any similar Policy being issued by us; provided however, benefits payable shall be subject to the terms contained in such other Policy. Such

modification or revision of the terms and conditions of the Product shall be intimated to you 3 months in advance along with reasons of modification and revision.

A change in the Sum Insured is allowed on renewals, however it may be subject to Medical test and subsequent Underwriting approval. Any enhanced Sum Insured during subsequent policy renewals will not be available for an illness, disease, injury already contracted under the preceding policy periods. All waiting periods as defined in the Policy shall apply for this enhanced limit from the effective date of enhancement of such Sum Insured considering such Policy Period as the first Policy with us. Sum Insured enhancement will be subject to Underwriting approval.

Based on the experience of the Product, Premium, Terms and Conditions may be revised subject to prior approval of Insurance Regulatory and Development Authority. Such revision shall be intimated to you 3 months in advance with an option of renewal under any similar Policy being issued by us. However, benefits payable shall be subject to the terms contained in such other Policy. Individual Claims experience loading is not applicable under the Policy.

In case of floater Policies, where dependent child crosses age 23 years, renewal can be done in a separate Policy under the same Product or any other available Products with continuity benefits.

If you are above the age of 80 years, there is a 10% co-payment obligation as there is no further premium increase.

For any changes desired at the time of Renewal, please communicate with us. Contact Details are provided at the end of the document.

The Company reserves its right to vary the premium from time to time subject to approval of IRDA (Insurance Regulatory and Development Authority).

Portability Option: Portability will be provided on the Policy in accordance with IRDA guidelines issued on Portability from time to time. You may approach another insurer atleast 45 days before the expiry date to avoid any break in coverage. Portability benefits are not automatically applicable under the Policy unless application for portability has been specifically made and subsequently accepted by the Company.

How to Cancel your Policy?

In case you are not content with our policy and wish to cancel it, you may intimate us by giving 15 days notice in writing and we will refund the premium for the unexpired term as per the short period scales given below:

Period of Cover up to Refund of Annual Premium rate (%)

1 Month 75%

3 Months 50%

6 Months 25%

Exceeding Six Months up to 365 days NIL

In case of 2 year Policy;

If cancellation done before completion of 1 year: same grid as given above is applicable on first year Premium and second year Premium will be completely refunded.

If cancellation is done after completion of 1 year: same grid as given above is applicable however retention Premium on second year premium will be calculated on Annual Premium without long term Policy discount.

A minimum premium of `250 per policy will be retained towards administration charges by the Company.

Get the HDFC General Insurance Ltd. Advantage

We are a state-of-the-art, technologically-driven company that has the calibre and expertise to provide world-class customer service.

Claims Service Assurance*

We make cashless decision within 6 business hours (where the request is received between9 am to 9 pm on Monday to Saturday) giving you the advantage of time and convenience. During non-working hours and on any other holiday/s, the decision will be in a maximum of 8 hours. Reimbursement claim settlements are made within 6 working days on receipt of complete set of documents.

In case we fail in meeting this assurance, a fixed compensation of `1,000/- shall be payable for a single claim. Assurance is applicable only to the first response on a single claim and no subsequent correspondence.

The above compensation shall be paid notwithstanding the Company’s obligation to pay interest in cases of delay in settlement of claims, as per Reg. 9(6) of IRDA (PPH) Regulations.

*Service features are inbuilt in to the policy and will be available to all Insured Persons without any additional cost.

We combine innovative and unique product benefits coupled with seamless customer support to make sure our approach to your life is a thoughtful one. At HDFC General Insurance, your health is our priority.

FAQs

Q. Can my:health Medisure Classic Insurance cover my entire family? Are there any age limits?

The Proposer, Spouse, Dependent Children, Dependant Parents and blood relatives can be covered under the Individual Policy. For a floater, Self, Spouse and Dependent Children upto23 years can be covered under a Single Policy.

The following criteria are applicable if you wish to cover your family under a policy:

• Minimum age at entry will be 3 months for children and 18 years for adults.

• Entry and renewals are available for Lifetime.

• Children between the age of 3 months (91 days) and 18 years will be covered only if either of the parent is covered.

• Optional Cover of Double Sum Insured for Critical Illness only up to the age of 65 years (age last birthday) and for Sum Insured of `2 Lacs and above. For customers who avail such option at or before that age, the cover shall continue to be available in the case of continuous renewals.

• The availability of Optional Cover of Waiver of Room Rent Sub-limits under hospitalisation is for lifetime.

Q. What will be my Sum Insured?

With my:health Medisure Classic Insurance, the amount will differ depending on the type of policy you have opted for.

• 1 Lac to 5 Lacs in multiples of 1 Lac for Individual Policies.

• 2 Lacs to 5 Lacs in multiples of 1 Lac for Floater Policies.

Q. What is not covered in my policy?

The Company shall not be liable to make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:

1. All pre-existing diseases/illness/injury/conditions as defined in the Policy, until 36 months of continuous covers have elapsed since inception of the first Policy with us.

2. Any disease contracted and/or medical expenses incurred in respect of any disease/illness by the Insured/Insured Person during the first 30 days from the commencement date of the Policy except in case of accidental injuries. This exclusion doesn’t apply for Insured/Insured Person having any health insurance indemnity policy in India atleast for 1 year prior to taking this Policy as well as for subsequent renewals with the Company without a break.

3. All expenses along with their complications on treatment towards Cataract, Hysterectomy other than for Malignancy, Uterine prolapse including any condition requiring Hysterectomy, Polycystic Ovarian Diseases, Myomectomy for Fibroids, Knee Replacement Surgery (other than caused by an Accident), Osteoarthritis and Osteoporosis if age related, Arthritis, Rheumatism, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertibral Discs(other than caused by accident), Varicose Veins and Varicose Ulcers, Hernia, Stones in the Urinary, Uro-Genital and Biliary Systems, Benign Prostate Hypertrophy, Hydrocele, Congenital Internal anomaly, Fistula in Anus, Piles, Fissures, Fibroids, Dilatation & Curettage for treatment purposes, Pilonidal Sinus, Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on Tonsils/Adenoids, Gastric and Duodenal Ulcer, any type of Cysts/Nodules/Polyps,and any type of Breast Lumps, benign ear, Nose and Throat disorders and surgeries Chronic Nephritis and Nephritic Syndrome, Hypertension and Diabetes and related

complications during the first two years(24 months) of continuous operation of this insurance cover.

Diabetes & Related complications include: Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hyper/Hypoglycaemic Shocks.

Hypertension & Related complications include: Coronary Artery Disease, Cerebrovascular Accident, Hypertensive Nephropathy, Internal Bleed/Haemorrhages. If these diseases are pre-existing at the time of proposal or subsequently found to be pre-existing Exclusion 1 above shall apply.

4. Domiciliary hospitalisation expenses in respect of following:

1. Asthma, Bronchitis, Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis, Cough and Cold, Influenza,

2. Arthritis, Gout and Rheumatism,

3. Chronic Nephritis and Nephritic Syndrome,

4. Diarrhoea and all type of Dysenteries including Gastroenteritis,

5. Diabetes Mellitus and Insipidus,

6. Epilepsy,

7. Hypertension,

8. Psychiatric or Psychosomatic Disorders of all kinds,

9. Pyrexia of unknown Origin.

5. Any treatment arising from or traceable to pregnancy, childbirth including caesarean section until 48 months of continuous coverage has elapsed since the inception of the first Policy with the Company. However, this exclusion/waiting period will not apply to Ectopic Pregnancy proved by diagnostic means and certified to be life threatening by the attending Medical Practitioner.

6. Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder or due to an Accident.

7. Genetic disorder and stem cell implantation/surgery.

8. Dental treatment or surgery of any kind unless necessitated due to an Accident and requiring minimum 24 hours hospitalisation or treatment of irreversible bone disease involving the jaw which cannot be treated in any other way, but not if it is related to gum disease or tooth disease or damage.

9. Birth control procedures, hormone replacement therapy and voluntary termination of pregnancy during the first 12 weeks from the date of conception.

10. Routine medical, eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes or corrective surgeries, contact lenses or hearing aids, vaccinations except post-bite treatment for new born baby up to 90 days, issue of medical certificates and examinations as to suitability for employment or travel.

11. All expenses arising out of any condition directly or indirectly caused due to or associated with human T-call Lymph tropic virus type III (HTLV-III) or Lymphadinopathy Associated Virus (LAV) or Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases/illness/injury caused by and/or related to HIV and sexually transmitted diseases.

12. Vitamins and tonics unless forming part of treatment for disease, illness or injury and prescribed by a Medical Practitioner.

13. Instrument used in treatment of Sleep Apnoea Syndrome (C.P.A.P.) and Continuous Peritoneal Ambulatory Dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial Asthmatic condition, Infusion pump or any other external devices used during or after treatment.

14. Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health.

15. Treatment for developmental problems including learning difficulties eg. Dyslexia, behavioural problems including attention deficit hyperactivity disorder (ADHD).

16. Treatment for general debility, ageing, convalescence, run-down condition or rest cure, Congenital external anomaly/ies or defects, sterility, infertility including IVF, impotency, venereal disease, puberty, menopause or intentional self-injury, suicide or attempted suicide (whether sane or insane).

17. Certification/Diagnosis/Treatment by a family member or from persons not registered as Medical Practitioners under the respective Medical Councils, or any diagnosis or treatment that is not scientifically recognised or experimental or unproven.

18. Ailment requiring treatment due to use, abuse or a consequence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen and treatment for de-addiction, or rehabilitation.

19. Any illness or hospitalisation arising or resulting from the Insured/Insured person or any of his family members committing any breach of law with criminal intent.

20. Any treatment received in convalescent homes, convalescent hospitals, health hydros, nature cure clinics or similar establishments.

21. Prostheses, corrective devices and medical appliances, which are not required intra-operatively for the disease/illness/injury for which the Insured/Insured Person was hospitalised.

22. Any stay in Hospital/Nursing Home without undertaking any treatment or any other purpose other than for receiving eligible treatment of a type that normally requires a stay in the hospital.

23. Treatment of any mental illness or sickness or disease including a psychiatric condition, disorganisation of personality or mind, or emotions or behaviour, Parkinson’s or Alzheimer’s disease even if caused or aggravated by or related to an Accident or Illness or general debility or exhaustion (“run-down condition”).

24. Any cosmetic surgery unless forming part of treatment for cancer or burns, surgery for sex change or treatment of obesity/morbid obesity or treatment/surgery /complications/illness arising as a consequence thereof.

25. Charges incurred primarily for diagnostic, X-ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment even if the same requires confinement at a Hospital/Nursing Home.

26. Costs of donor screening and organ.

27. Costs incurred on all medical treatments other than Allopathy Treatments. Ayuvedic expenses covered to the extent of coverage provided in Annexure A.

28. Insured/Insured Persons whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving,

paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports or involving a naval military or air force operation.

29. Insured/Insured Person whilst flying or taking part in aerial activities (including cabin crew) except as a fare-paying passenger in a regular Scheduled Airline or Air Charter Company.

30. All expenses caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

31. All expenses directly or indirectly, caused by or arising from or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country), civil war, public defense, rebellion, revolution, insurrection, military or usurped power.

32. All non-medical expenses including but not limited to convenience items for personal comfort not consistent with or incidental to the diagnosis and treatment of the disease/illness/injury for which the Insured/Insured Person was hospitalized, Ambulatory devices, walker, crutches, belts, collars, splints, slings, braces, stockings of any kind, diabetic footwear, glucometer/thermometer and any medical equipment that is subsequently used at home except when they form part of Room expenses.

33. Any condition after the point at which it is certified by the attending Medical Practitioner to be of such a nature that further medical treatment may serve to stabilize or maintain it but it is unlikely to result in a material improvement within a reasonable time.

34. Service charges levied by the Hospital/Nursing Home, except registration/admission charges.

35. Pre-Post hospitalization expenses of the donor, donor screening, cost of organ or any other medical treatment for the donor consequent on the harvesting.

Medical Examination Report,

Treadmill Test, Complete Blood

Count, Lipid Profile, HBA1C, Serum

Creatinine, Urinalysis, SGOT, SGPT

and GGT

Q. What is the premium payable for my:health Medisure Classic Insurance?

The Premium will be based on the age, total number of persons you wish to cover, the policy

tenure and Sum Insured you opt for.

Premium as per Annexure attached

1.1 All Individuals up to 50 years (age last birthday as at Policy inception date) - The Company will rely on the declarations made on the Proposal Form. In case the declaration reveals any medical adversity, the Company may require the individual to undergo appropriate medical tests.

1.2 For age group 51-65 years (age last birthday as at Policy inception date) The Individuals would be required to undergo pre-acceptance medical tests - Medical Examination Report, Treadmill Test, Lipid Profile, HbA1C, Serum Creatinine, Complete Blood Count, Urinalysis.

1.3 For the following category:

Scenarios Medical Tests Requirement

Age group 66 yrs and above

Age group 51 - 65 years with Optional Cover

for Double Sum Insured for Critical Illness

Optional Cover for Double Sum Insured for

Critical Illness at Renewal with or without

Claim irrespective of age

(Age last birthday as at Policy inception date to be considered)

The Company reserves its right to require any individual to undergo such medical tests or

where required any further additional tests, at the sole discretion of the Company to

determine the acceptance of a Proposal.

Some of the objective criteria defined as under -

All Medical reports need to be within 30 days from date of Proposal Form and can be

conducted at the Company’s list of Network Hospitals/Clinics.

In case of accepted proposals, the Company shall reimburse 50% of the pre-acceptance medical

test costs. (on our pre agreed rates with the network provider)

Medical Underwriting: Proposer about 50 years of age and those having medical history are

subject to Medical Underwriting by the company. The company reserves the right to

Accept/Decline/Accept with exclusion or Premium loading (upto maximum of 100% on basic

Premium). These loadings are applied from Commencement Date of the Policy including

subsequent renewal(s) with us.

Q. How do I lodge a claim under my:health Medisure Classic Insurance?

There are various methods to lodge a claim under my:health Medisure Classic Insurance.

For cashless* hospitalisation: (*cashless facility is available only at our network hospitals)

• All you have to do is contact us at the numbers provided on your health card immediately.

• Just submit a Cashless request form to us, along with all information and documents

pertaining to the illness as required.

• Our representative will be happy to guide you further and help you process the request.

Based on the coverage under your policy, the cashless request will be approved.

For a reimbursement of expenses: (at other hospitals outside of our network) or at network

hospitals where cashless is not availed:

• You will need to collate the original bills along with other documents as required and

submit it to the address mentioned in your policy schedule.

In case of planned hospitalisation, please inform us 72 hours in advance and in case of

emergency within 24 hours of admission. (For detailed information on our network of hospitals

as well as documentation for cashless claims please visit www.hdfcgi.coml

Q. What is the claims settlement procedure?

Our Claims settlement procedure is quick and transparent. For any kind of support or

information, please call our helpline 1800 2 092 020 or write to us at:

[email protected]. Undue delay in intimation of claim or submission of documents may prejudice

a claim.

To understand the claims process in detail, and to get a checklist of the documentation, please

visit www.hdfcgi.com and view the ‘claims process’ section.

The Company reserves its rights to vary the premium from time to time subject to approval

of IRDAI.

Q. Does my policy have the option of portability?

Portability will be provided on your policy in accordance to IRDA guidelines issued on Portability.

The product literature gives only the salient features of the Policy and is subject to the Policy terms, conditions

and exclusions. For further details on all the conditions and for complete information, please visit our website

www.hdfcgi.com

Reach us at the touch points below

Toll - free No.:1800 2 092 020

Email:[email protected]

Write to us:HDFC General Insurance Limited,Registered & Corporate Office: 1st Floor,HDFC House, 165-166 Backbay Reclamation,H. T. Parekh Marg, Churchgate,Mumbai - 400 020.

Website:www.hdfcgi.com

HDFC General Insurance Limited. CIN: U66030MH2007PLC177117. IRDAI Reg No.146Registered & Corporate Office:1st Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020.Toll free: 1800 2 092 020 | Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | www.hdfcgi.com | [email protected]. For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade logo displayed above belongs to HDFC Limited and ERGO International AG and used by the Company, being a wholly owned subsidiary of HDFC ERGO General Insurance Company Limited, which is the license holder. ARN: HDFCGI/FY16-17/010.

All Premium inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess

Individual - Base CoverAge Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 2,293 2,893 3,589 4,405 5,153

36 to 40 yrs 2,521 3,189 3,969 4,879 5,720

41 to 45 yrs 2,767 3,513 4,391 5,412 6,358

46 to 50 yrs 3,918 5,032 6,364 7,899 9,346

51 to 55 yrs 4,812 6,050 7,536 9,244 10,858

56 to 60 yrs 6,315 8,022 10,091 12,457 14,711

61 to 65 yrs 7,244 9,239 11,663 14,433 17,076

66 to 70 yrs 9,954 12,775 16,223 20,148 23,915

71 to 75 yrs 12,587 16,195 20,621 25,647 30,485

75 to 80 yrs 13,440 17,296 22,031 27,405 32,582

> 80 yrs 15,767 20,327 25,935 32,295 38,431

Individual - Base Cover + Waiver of Room RentAge Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 2,808 3,718 4,600 5,724 6,596

36 to 40 yrs 3,104 4,123 5,112 6,372 7,353

41 to 45 yrs 3,428 4,572 5,688 7,106 8,211

46 to 50 yrs 4,947 6,679 8,381 10,533 12,227

51 to 55 yrs 5,964 7,895 9,796 12,195 14,086

56 to 60 yrs 7,937 10,619 13,272 16,611 19,254

61 to 65 yrs 9,154 12,295 15,407 19,322 22,424

66 to 70 yrs 12,690 17,152 21,584 27,152 31,576

71 to 75 yrs 16,110 21,833 27,526 34,667 40,350

75 to 80 yrs 17,212 23,331 29,423 37,060 43,143

> 80 yrs 20,243 27,490 34,708 43,755 50,965

Add On Premium: Waiver of Room Rent Sub LimitsAge Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 515 825 1,011 1,319 1,443

36 to 40 yrs 583 934 1,143 1,493 1,633

41 to 45 yrs 661 1,059 1,297 1,694 1,853

46 to 50 yrs 1,029 1,647 2,017 2,634 2,881

51 to 55 yrs 1,152 1,845 2,260 2,951 3,228

56 to 60 yrs 1,623 2,597 3,181 4,154 4,544

61 to 65 yrs 1,910 3,056 3,743 4,890 5,348

66 to 70 yrs 2,736 4,377 5,361 7,004 7,660

71 to 75 yrs 3,524 5,637 6,906 9,019 9,865

75 to 80 yrs 3,772 6,035 7,392 9,655 10,562

> 80 yrs 4,477 7,162 8,773 11,460 12,534

Base Cover + Waiver + Critical IllnessAge Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs NA 4,147 4,815 5,866 6,711

36 to 40 yrs NA 4,695 5,398 6,563 7,506

41 to 45 yrs NA 5,288 6,046 7,344 8,402

46 to 50 yrs NA 8,174 9,240 11,106 12,685

51 to 55 yrs NA 10,949 11,656 13,435 15,079

56 to 60 yrs NA 14,437 15,563 18,138 20,476

61 to 65 yrs NA 17,067 17,984 21,040 23,798

66 to 70 yrs NA 22,879 24,448 29,061 33,103

71 to 75 yrs NA 28,419 30,819 36,862 42,106

75 to 80 yrs NA 32,494 34,004 40,114 45,587

> 80 yrs NA 36,653 39,290 46,810 53,408

Age Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs NA 429 215 143 115

36 to 40 yrs NA 573 286 191 153

41 to 45 yrs NA 715 358 238 191

46 to 50 yrs NA 1,495 859 573 458

51 to 55 yrs NA 3,054 1,861 1,241 992

56 to 60 yrs NA 3,818 2,291 1,527 1,221

61 to 65 yrs NA 4,773 2,577 1,718 1,374

66 to 70 yrs NA 5,727 2,864 1,909 1,527

71 to 75 yrs NA 6,586 3,292 2,195 1,756

75 to 80 yrs NA 9,163 4,582 3,054 2,444

> 80 yrs NA 9,163 4,582 3,054 2,444

Individual - Base Cover + Critical IllnessAge Band 1 Lac 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs NA 3,322 3,804 4,547 5,268

36 to 40 yrs NA 3,762 4,255 5,070 5,873

41 to 45 yrs NA 4,229 4,748 5,650 6,549

46 to 50 yrs NA 6,527 7,223 8,472 9,804

51 to 55 yrs NA 9,105 9,397 10,485 11,851

56 to 60 yrs NA 11,840 12,382 13,984 15,932

61 to 65 yrs NA 14,012 14,240 16,151 18,451

66 to 70 yrs NA 18,502 19,087 22,057 25,443

71 to 75 yrs NA 22,782 23,913 27,843 32,241

75 to 80 yrs NA 26,459 26,612 30,459 35,026

> 80 yrs NA 29,491 30,516 35,350 40,874

Add On Premium: Double Sum Insured for Critical Illness

01

Premium Chart – my:health Medisure Classic Insurance.Premium is payable in advance on or before inception of the policy.

HDFC General Insurance Limited

An HDFC ERGO Company

(Formerly L&T General Insurance Company Limited)

GENERAL INSURANCE


2 Adults - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 4,610 5,751 7,069 8,304

36 to 40 yrs 5,107 6,393 7,872 9,264

41 to 45 yrs 5,656 7,106 8,771 10,344

46 to 50 yrs 8,036 10,204 12,679 15,037

51 to 55 yrs 9,919 12,341 15,102 17,739

56 to 60 yrs 13,095 16,493 20,349 24,050

61 to 65 yrs 15,089 19,080 23,601 27,948

66 to 70 yrs 20,902 26,593 33,028 39,236

71 to 75 yrs 26,497 33,811 42,073 50,054

75 to 80 yrs 28,299 36,126 44,964 53,505

> 80 yrs 33,258 42,536 53,008 63,135

2 Adults - Waiver of Room Rent Sub LimitsAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 1,396 1,710 2,234 2,445

36 to 40 yrs 1,578 1,934 2,528 2,766

41 to 45 yrs 1,789 2,195 2,868 3,137

46 to 50 yrs 2,712 3,325 4,345 4,753

51 to 55 yrs 3,037 3,725 4,868 5,326

56 to 60 yrs 4,248 5,222 6,832 7,481

61 to 65 yrs 4,999 6,146 8,041 8,806

66 to 70 yrs 7,161 8,803 11,517 12,611

71 to 75 yrs 9,222 11,337 14,833 16,241

75 to 80 yrs 9,874 12,137 15,880 17,388

> 80 yrs 11,717 14,405 18,847 20,637

2 Adults - Add On - Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 727 363 243 194

36 to 40 yrs 968 484 323 259

41 to 45 yrs 1,210 606 404 323

46 to 50 yrs 2,462 1,416 944 756

51 to 55 yrs 5,030 3,068 2,047 1,638

56 to 60 yrs 6,246 3,761 2,512 2,011

61 to 65 yrs 7,807 4,231 2,826 2,263

66 to 70 yrs 9,369 4,701 3,140 2,514

71 to 75 yrs 10,774 5,406 3,610 2,891

75 to 80 yrs 14,990 7,521 5,023 4,023

> 80 yrs 14,990 7,521 5,023 4,023

Base Cover + Waiver of Room Rent Sub LimitAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 6,006 7,461 9,304 10,749

36 to 40 yrs 6,685 8,327 10,399 12,030

41 to 45 yrs 7,445 9,301 11,639 13,481

46 to 50 yrs 10,748 13,529 17,023 19,790

51 to 55 yrs 12,956 16,066 19,970 23,064

56 to 60 yrs 17,343 21,715 27,181 31,531

61 to 65 yrs 20,088 25,225 31,642 36,754

66 to 70 yrs 28,063 35,396 44,545 51,847

71 to 75 yrs 35,719 45,148 56,905 66,295

75 to 80 yrs 38,173 48,263 60,844 70,893

> 80 yrs 44,975 56,941 71,855 83,772

Base Cover + Waiver + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 6,733 7,825 9,546 10,943

36 to 40 yrs 7,653 8,811 10,723 12,289

41 to 45 yrs 8,655 9,907 12,043 13,805

46 to 50 yrs 13,210 14,944 17,968 20,546

51 to 55 yrs 17,986 19,134 22,017 24,702

56 to 60 yrs 23,589 25,476 29,693 33,542

61 to 65 yrs 27,896 29,456 34,468 39,017

66 to 70 yrs 37,433 40,097 47,685 54,361

71 to 75 yrs 46,493 50,554 60,515 69,186

75 to 80 yrs 53,163 55,784 65,867 74,916

> 80 yrs 59,966 64,462 76,879 87,794

2 Adults - Base Cover + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 5,337 6,115 7,312 8,499

36 to 40 yrs 6,075 6,877 8,195 9,523

41 to 45 yrs 6,866 7,712 9,175 10,667

46 to 50 yrs 10,498 11,620 13,623 15,793

51 to 55 yrs 14,949 15,409 17,149 19,376

56 to 60 yrs 19,341 20,254 22,861 26,061

61 to 65 yrs 22,897 23,311 26,427 30,212

66 to 70 yrs 30,271 31,294 36,168 41,750

71 to 75 yrs 37,272 39,217 45,683 52,945

75 to 80 yrs 43,289 43,647 49,987 57,528

> 80 yrs 48,248 50,057 58,031 67,158

02




GENERAL INSURANCE


2 Adults + 1 Child - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 6,117 7,637 9,384 11,035

36 to 40 yrs 6,614 8,279 10,187 11,995

41 to 45 yrs 7,162 8,992 11,086 13,076

46 to 50 yrs 9,543 12,090 14,994 17,769

51 to 55 yrs 11,425 14,227 17,417 20,470

56 to 60 yrs 14,600 18,379 22,664 26,781

61 to 65 yrs 16,596 20,966 25,915 30,680

66 to 70 yrs 22,409 28,479 35,343 41,967

71 to 75 yrs 28,004 35,697 44,388 52,784

75 to 80 yrs 29,806 38,012 47,279 56,236

> 80 yrs 34,765 44,422 55,323 65,866

2 A + 1 C - Waiver of Room Rent Sub LimitAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 1,886 2,310 3,019 3,302

36 to 40 yrs 2,068 2,535 3,312 3,623

41 to 45 yrs 2,279 2,795 3,652 3,995

46 to 50 yrs 3,202 3,925 5,129 5,611

51 to 55 yrs 3,527 4,325 5,651 6,182

56 to 60 yrs 4,738 5,821 7,615 8,339

61 to 65 yrs 5,489 6,746 8,825 9,662

66 to 70 yrs 7,651 9,402 12,302 13,469

71 to 75 yrs 9,712 11,937 15,617 17,099

75 to 80 yrs 10,364 12,737 16,665 18,246

> 80 yrs 12,207 15,004 19,631 21,495

2 A + 1 C- Add On for Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 982 491 328 262

36 to 40 yrs 1,224 612 408 327

41 to 45 yrs 1,465 734 489 391

46 to 50 yrs 2,717 1,543 1,029 823

51 to 55 yrs 5,285 3,196 2,132 1,705

56 to 60 yrs 6,501 3,888 2,597 2,079

61 to 65 yrs 8,063 4,359 2,911 2,331

66 to 70 yrs 9,624 4,829 3,225 2,583

71 to 75 yrs 11,030 5,534 3,695 2,960

75 to 80 yrs 15,246 7,649 5,108 4,091

> 80 yrs 15,246 7,649 5,108 4,091

2 A + 1 C - Base Cover + Waiver Age Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 8,003 9,948 12,403 14,337

36 to 40 yrs 8,681 10,813 13,499 15,617

41 to 45 yrs 9,442 11,786 14,738 17,071

46 to 50 yrs 12,744 16,015 20,123 23,380

51 to 55 yrs 14,952 18,552 23,068 26,652

56 to 60 yrs 19,338 24,201 30,280 35,120

61 to 65 yrs 22,085 27,712 34,740 40,342

66 to 70 yrs 30,060 37,881 47,645 55,436

71 to 75 yrs 37,715 47,634 60,005 69,883

75 to 80 yrs 40,170 50,750 63,943 74,482

> 80 yrs 46,972 59,426 74,954 87,361

Base Cover + Waiver + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 8,985 10,439 12,731 14,599

36 to 40 yrs 9,905 11,425 13,907 15,944

41 to 45 yrs 10,907 12,520 15,227 17,462

46 to 50 yrs 15,462 17,558 21,152 24,203

51 to 55 yrs 20,238 21,748 25,200 28,358

56 to 60 yrs 25,839 28,089 32,876 37,199

61 to 65 yrs 30,147 32,070 37,651 42,673

66 to 70 yrs 39,684 42,710 50,869 58,019

71 to 75 yrs 48,745 53,168 63,700 72,843

75 to 80 yrs 55,415 58,398 69,052 78,573

> 80 yrs 62,217 67,075 80,062 91,451

2 Adults + 1 Child - Base Cover + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 7,099 8,128 9,712 11,298

36 to 40 yrs 7,837 8,891 10,595 12,321

41 to 45 yrs 8,627 9,726 11,575 13,467

46 to 50 yrs 12,260 13,633 16,023 18,592

51 to 55 yrs 16,711 17,423 19,549 22,175

56 to 60 yrs 21,101 22,267 25,261 28,860

61 to 65 yrs 24,658 25,324 28,826 33,011

66 to 70 yrs 32,033 33,307 38,568 44,550

71 to 75 yrs 39,033 41,231 48,083 55,744

75 to 80 yrs 45,051 45,661 52,387 60,327

> 80 yrs 50,010 52,071 60,431 69,957

03




GENERAL INSURANCE


2 Adults + 2 Children - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 7,597 9,490 11,656 13,716

36 to 40 yrs 8,095 10,132 12,459 14,675

41 to 45 yrs 8,642 10,845 13,358 15,756

46 to 50 yrs 11,023 13,943 17,266 20,449

51 to 55 yrs 12,906 16,079 19,689 23,151

56 to 60 yrs 16,082 20,232 24,937 29,462

61 to 65 yrs 18,076 22,818 28,189 33,360

66 to 70 yrs 23,889 30,331 37,615 44,648

71 to 75 yrs 29,485 37,550 46,660 55,465

75 to 80 yrs 31,287 39,865 49,551 58,917

> 80 yrs 36,245 46,275 57,595 68,547

2 A + 2 C - Waiver of Room Rent Sub LimitAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 2,366 2,899 3,787 4,142

36 to 40 yrs 2,547 3,122 4,080 4,463

41 to 45 yrs 2,760 3,383 4,419 4,835

46 to 50 yrs 3,681 4,513 5,896 6,450

51 to 55 yrs 4,008 4,913 6,419 7,022

56 to 60 yrs 5,218 6,410 8,384 9,178

61 to 65 yrs 5,970 7,334 9,593 10,503

66 to 70 yrs 8,131 9,991 13,070 14,308

71 to 75 yrs 10,192 12,525 16,385 17,939

75 to 80 yrs 10,843 13,325 17,432 19,085

> 80 yrs 12,688 15,593 20,399 22,334

2 A + 2 C - Add On for Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 1,232 616 411 329

36 to 40 yrs 1,473 737 491 393

41 to 45 yrs 1,715 858 573 458

46 to 50 yrs 2,968 1,669 1,113 890

51 to 55 yrs 5,535 3,321 2,215 1,772

56 to 60 yrs 6,752 4,014 2,680 2,146

61 to 65 yrs 8,312 4,484 2,993 2,398

66 to 70 yrs 9,874 4,953 3,307 2,650

71 to 75 yrs 11,279 5,659 3,779 3,026

75 to 80 yrs 15,496 7,774 5,191 4,157

> 80 yrs 15,496 7,774 5,191 4,157

2 A + 2 C - Base Cover + Room Rent WaiverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 9,962 12,389 15,443 17,858

36 to 40 yrs 10,642 13,254 16,539 19,138

41 to 45 yrs 11,402 14,228 17,778 20,591

46 to 50 yrs 14,704 18,455 23,162 26,900

51 to 55 yrs 16,914 20,992 26,108 30,173

56 to 60 yrs 21,299 26,642 33,320 38,640

61 to 65 yrs 24,045 30,152 37,782 43,863

66 to 70 yrs 32,019 40,322 50,685 58,956

71 to 75 yrs 39,677 50,074 63,045 73,403

75 to 80 yrs 42,130 53,190 66,983 78,002

> 80 yrs 48,933 61,868 77,994 90,881

Base Cover + Room Rent Waiver + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 11,194 13,005 15,854 18,187

36 to 40 yrs 12,115 13,991 17,030 19,532

41 to 45 yrs 13,117 15,086 18,351 21,048

46 to 50 yrs 17,672 20,124 24,275 27,790

51 to 55 yrs 22,449 24,313 28,323 31,945

56 to 60 yrs 28,051 30,656 36,000 40,786

61 to 65 yrs 32,358 34,636 40,776 46,261

66 to 70 yrs 41,893 45,276 53,993 61,606

71 to 75 yrs 50,957 55,734 66,824 76,429

75 to 80 yrs 57,627 60,964 72,174 82,159

> 80 yrs 64,429 69,642 83,185 95,038

2 A + 2 C - Base Cover + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 8,829 10,106 12,067 14,045

36 to 40 yrs 9,568 10,869 12,950 15,068

41 to 45 yrs 10,357 11,702 13,931 16,214

46 to 50 yrs 13,991 15,611 18,379 21,339

51 to 55 yrs 18,441 19,401 21,904 24,923

56 to 60 yrs 22,833 24,245 27,616 31,608

61 to 65 yrs 26,388 27,302 31,182 35,758

66 to 70 yrs 33,763 35,284 40,923 47,297

71 to 75 yrs 40,764 43,209 50,439 58,490

75 to 80 yrs 46,783 47,639 54,742 63,074

> 80 yrs 51,741 54,049 62,787 72,704

04




GENERAL INSURANCE


1 Adult + 1 Child - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 4,399 5,475 6,719 7,884

36 to 40 yrs 4,695 5,855 7,194 8,451

41 to 45 yrs 5,020 6,277 7,726 9,090

46 to 50 yrs 6,539 8,250 10,214 12,076

51 to 55 yrs 7,557 9,422 11,559 13,590

56 to 60 yrs 9,529 11,977 14,772 17,442

61 to 65 yrs 10,746 13,550 16,746 19,808

66 to 70 yrs 14,281 18,109 22,462 26,647

71 to 75 yrs 17,702 22,507 27,961 33,217

75 to 80 yrs 18,803 23,917 29,719 35,313

> 80 yrs 21,834 27,821 34,610 41,162

1 Adult + 1 Child - Room Rent WaiverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 1,314 1,610 2,103 2,301

36 to 40 yrs 1,424 1,743 2,277 2,491

41 to 45 yrs 1,549 1,898 2,478 2,711

46 to 50 yrs 2,137 2,616 3,418 3,739

51 to 55 yrs 2,335 2,859 3,735 4,085

56 to 60 yrs 3,087 3,781 4,938 5,400

61 to 65 yrs 3,545 4,344 5,673 6,205

66 to 70 yrs 4,867 5,962 7,787 8,517

71 to 75 yrs 6,127 7,505 9,803 10,723

75 to 80 yrs 6,525 7,993 10,440 11,418

> 80 yrs 7,652 9,374 12,244 13,392


Upto 35 yrs 684 343 228 183

36 to 40 yrs 828 414 276 221

41 to 45 yrs 971 485 323 259

46 to 50 yrs 1,750 987 658 527

51 to 55 yrs 3,310 1,988 1,326 1,060

56 to 60 yrs 4,073 2,418 1,612 1,290

61 to 65 yrs 5,028 2,705 1,803 1,442

66 to 70 yrs 5,982 2,991 1,994 1,595

71 to 75 yrs 6,841 3,420 2,280 1,824

75 to 80 yrs 9,417 4,709 3,140 2,512

> 80 yrs 9,417 4,709 3,140 2,512


Upto 35 yrs 5,713 7,085 8,823 10,186

36 to 40 yrs 6,119 7,598 9,471 10,942

41 to 45 yrs 6,569 8,174 10,204 11,800

46 to 50 yrs 8,676 10,866 13,632 15,815

51 to 55 yrs 9,891 12,281 15,294 17,674

56 to 60 yrs 12,616 15,758 19,710 22,842

61 to 65 yrs 14,291 17,894 22,419 26,013

66 to 70 yrs 19,148 24,071 30,248 35,164

71 to 75 yrs 23,829 30,012 37,764 43,939

75 to 80 yrs 25,328 31,909 40,159 46,731

> 80 yrs 29,486 37,194 46,854 54,554


Upto 35 yrs 6,397 7,428 9,051 10,368

36 to 40 yrs 6,947 8,012 9,747 11,163

41 to 45 yrs 7,539 8,660 10,527 12,059

46 to 50 yrs 10,426 11,853 14,290 16,342

51 to 55 yrs 13,201 14,269 16,620 18,735

56 to 60 yrs 16,689 18,177 21,322 24,133

61 to 65 yrs 19,319 20,599 24,222 27,455

66 to 70 yrs 25,130 27,062 32,243 36,759

71 to 75 yrs 30,671 33,432 40,044 45,763

75 to 80 yrs 34,745 36,618 43,299 49,243

> 80 yrs 38,903 41,904 49,994 57,065

1 Adult + 1 Child - Base Cover + Critical IllnessAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 5,083 5,818 6,947 8,067

36 to 40 yrs 5,523 6,269 7,470 8,672

41 to 45 yrs 5,990 6,762 8,049 9,348

46 to 50 yrs 8,289 9,237 10,872 12,603

51 to 55 yrs 10,866 11,410 12,885 14,650

56 to 60 yrs 13,602 14,396 16,384 18,732

61 to 65 yrs 15,773 16,255 18,550 21,250

66 to 70 yrs 20,263 21,100 24,456 28,242

71 to 75 yrs 24,543 25,927 30,242 35,041

75 to 80 yrs 28,220 28,626 32,859 37,825

> 80 yrs 31,251 32,530 37,750 43,674

05




GENERAL INSURANCE


1 Adult + 2 Children - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 5,880 7,328 8,992 10,564

36 to 40 yrs 6,177 7,707 9,467 11,132

41 to 45 yrs 6,501 8,129 9,999 11,770

46 to 50 yrs 8,019 10,103 12,487 14,757

51 to 55 yrs 9,037 11,275 13,831 16,270

56 to 60 yrs 11,009 13,830 17,044 20,123

61 to 65 yrs 12,226 15,402 19,020 22,488

66 to 70 yrs 15,762 19,962 24,735 29,327

71 to 75 yrs 19,182 24,359 30,235 35,897

75 to 80 yrs 20,284 25,769 31,992 37,994

> 80 yrs 23,314 29,673 36,883 43,843

1 A + 2 C - Room Rent WaiverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 1,795 2,199 2,872 3,141

36 to 40 yrs 1,903 2,331 3,045 3,330

41 to 45 yrs 2,029 2,485 3,246 3,550

46 to 50 yrs 2,616 3,205 4,186 4,578

51 to 55 yrs 2,814 3,448 4,502 4,924

56 to 60 yrs 3,566 4,369 5,706 6,241

61 to 65 yrs 4,026 4,931 6,441 7,045

66 to 70 yrs 5,346 6,550 8,555 9,358

71 to 75 yrs 6,607 8,094 10,571 11,562

75 to 80 yrs 7,005 8,581 11,208 12,258

> 80 yrs 8,132 9,962 13,011 14,231


Upto 35 yrs 935 467 312 250

36 to 40 yrs 1,078 539 359 288

41 to 45 yrs 1,221 611 407 325

46 to 50 yrs 2,000 1,112 741 593

51 to 55 yrs 3,559 2,114 1,409 1,127

56 to 60 yrs 4,323 2,544 1,695 1,356

61 to 65 yrs 5,277 2,829 1,886 1,509

66 to 70 yrs 6,232 3,115 2,077 1,662

71 to 75 yrs 7,091 3,545 2,363 1,891

75 to 80 yrs 9,668 4,833 3,222 2,578

> 80 yrs 9,668 4,833 3,222 2,578


Upto 35 yrs 7,675 9,527 11,863 13,705

36 to 40 yrs 8,080 10,038 12,512 14,462

41 to 45 yrs 8,530 10,615 13,246 15,320

46 to 50 yrs 10,635 13,308 16,673 19,335

51 to 55 yrs 11,851 14,722 18,333 21,195

56 to 60 yrs 14,575 18,199 22,750 26,364

61 to 65 yrs 16,252 20,333 25,461 29,533

66 to 70 yrs 21,108 26,512 33,290 38,685

71 to 75 yrs 25,789 32,453 40,805 47,459

75 to 80 yrs 27,288 34,351 43,200 50,252

> 80 yrs 31,446 39,636 49,894 58,074


Upto 35 yrs 8,610 9,994 12,175 13,954

36 to 40 yrs 9,157 10,578 12,871 14,750

41 to 45 yrs 9,751 11,225 13,653 15,646

46 to 50 yrs 12,635 14,420 17,413 19,928

51 to 55 yrs 15,410 16,836 19,742 22,322

56 to 60 yrs 18,898 20,743 24,446 27,720

61 to 65 yrs 21,529 23,162 27,347 31,042

66 to 70 yrs 27,340 29,627 35,367 40,347

71 to 75 yrs 32,880 35,998 43,169 49,350

75 to 80 yrs 36,956 39,184 46,422 52,830

> 80 yrs 41,114 44,469 53,116 60,652


Upto 35 yrs 6,815 7,795 9,304 10,813

36 to 40 yrs 7,254 8,247 9,826 11,420

41 to 45 yrs 7,722 8,740 10,406 12,096

46 to 50 yrs 10,019 11,215 13,227 15,350

51 to 55 yrs 12,596 13,388 15,240 17,397

56 to 60 yrs 15,332 16,374 18,739 21,479

61 to 65 yrs 17,503 18,231 20,906 23,997

66 to 70 yrs 21,994 23,077 26,812 30,989

71 to 75 yrs 26,273 27,905 32,598 37,788

75 to 80 yrs 29,952 30,603 35,214 40,572

> 80 yrs 32,982 34,507 40,105 46,421

06




GENERAL INSURANCE


1 Adult + 3 Children - Base CoverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 7,374 9,197 11,285 13,270

36 to 40 yrs 7,669 9,577 11,761 13,838

41 to 45 yrs 7,994 9,999 12,292 14,476

46 to 50 yrs 9,513 11,973 14,780 17,463

51 to 55 yrs 10,531 13,143 16,124 18,976

56 to 60 yrs 12,503 15,700 19,338 22,829

61 to 65 yrs 13,720 17,272 21,313 25,194

66 to 70 yrs 17,256 21,832 27,028 32,033

71 to 75 yrs 20,676 26,228 32,528 38,603

75 to 80 yrs 21,776 27,638 34,286 40,700

> 80 yrs 24,808 31,542 39,177 46,549

1 A + 3 C - Room Rent WaiverAge Band 2 Lacs 3 Lacs 4 Lacs 5 Lacs

Upto 35 yrs 2,279 2,792 3,648 3,989

36 to 40 yrs 2,389 2,926 3,821 4,179

41 to 45 yrs 2,514 3,080 4,022 4,399

46 to 50 yrs 3,102 3,798 4,962 5,427

51 to 55 yrs 3,299 4,041 5,279 5,773

56 to 60 yrs 4,051 4,962 6,481 7,090

61 to 65 yrs 4,510 5,526 7,217 7,894

66 to 70 yrs 5,832 7,144 9,331 10,205

71 to 75 yrs 7,092 8,687 11,347 12,411

75 to 80 yrs 7,490 9,175 11,984 13,107

> 80 yrs 8,617 10,556 13,787 15,080


Upto 35 yrs 1,187 593 396 316

36 to 40 yrs 1,331 665 444 354

41 to 45 yrs 1,473 737 491 393

46 to 50 yrs 2,253 1,237 826 660

51 to 55 yrs 3,812 2,240 1,494 1,195

56 to 60 yrs 4,576 2,669 1,780 1,424

61 to 65 yrs 5,530 2,956 1,971 1,577

66 to 70 yrs 6,485 3,242 2,162 1,730

71 to 75 yrs 7,344 3,672 2,448 1,958

75 to 80 yrs 9,920 4,960 3,306 2,645

> 80 yrs 9,920 4,960 3,306 2,645


Upto 35 yrs 9,653 11,989 14,933 17,259

36 to 40 yrs 10,058 12,503 15,583 18,017

41 to 45 yrs 10,508 13,079 16,314 18,875

46 to 50 yrs 12,614 15,771 19,742 22,890

51 to 55 yrs 13,830 17,184 21,403 24,749

56 to 60 yrs 16,554 20,662 25,820 29,918

61 to 65 yrs 18,230 22,798 28,530 33,088

66 to 70 yrs 23,087 28,975 36,360 42,238

71 to 75 yrs 27,768 34,915 43,875 51,014

75 to 80 yrs 29,266 36,813 46,270 53,806

> 80 yrs 33,425 42,098 52,964 61,629


Upto 35 yrs 10,840 12,582 15,328 17,575

36 to 40 yrs 11,388 13,168 16,026 18,371

41 to 45 yrs 11,981 13,816 16,805 19,268

46 to 50 yrs 14,867 17,009 20,568 23,550

51 to 55 yrs 17,642 19,425 22,897 25,944

56 to 60 yrs 21,130 23,331 27,600 31,342

61 to 65 yrs 23,760 25,753 30,501 34,664

66 to 70 yrs 29,572 32,217 38,522 43,968

71 to 75 yrs 35,112 38,587 46,323 52,972

75 to 80 yrs 39,186 41,773 49,577 56,451

> 80 yrs 43,345 47,058 56,271 64,274


Upto 35 yrs 8,561 9,790 11,681 13,586

36 to 40 yrs 9,000 10,242 12,205 14,192

41 to 45 yrs 9,467 10,736 12,783 14,870

46 to 50 yrs 11,766 13,210 15,606 18,123

51 to 55 yrs 14,343 15,384 17,618 20,171

56 to 60 yrs 17,079 18,369 21,119 24,252

61 to 65 yrs 19,250 20,227 23,284 26,771

66 to 70 yrs 23,741 25,073 29,190 33,763

71 to 75 yrs 28,020 29,900 34,976 40,562

75 to 80 yrs 31,696 32,598 37,592 43,345

> 80 yrs 34,728 36,502 42,483 49,194

07




GENERAL INSURANCE

08

Toll - free No.:1800 2 092 020

Email:[email protected]

Website:www.hdfcgi.com

Reach us at the touch points below

my:health Medisure Classic Insurance UIN No. IRDA/NL-HLT/L&TGI/P-H/V.I/249/13-14HDFC General Insurance Limited. CIN : U66030MH2007PLC177117. IRDAI Reg No.146Registered & Corporate Office:1st Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure before concluding the sale. Trade logo displayed above belongs to HDFC Limited and ERGO International AG and used by the Company, being a wholly owned subsidiary of HDFC ERGO General Insurance Company Limited, which is the license holder. ARN: HDFCGI/FY16-17/010.

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