HDFC ERGO General Insurance

Key benefits:

• Cashless claim service over 1600+ authorized network of garages across India
• Avail a host of discounts - No claim bonus, Discount for Automobile Association Members, Discount based on age and profession
• Comprehensive support through HDFC ERGO dedicated customer support team
• No lengthy procedures
• Instant Online Policy

Features:

A package Motor Insurance policy would cover the following :

• Loss or Damage to the Vehicle Insured

         Loss or damage to your vehicle caused by any one of the following events

• Accident by external means
• Burglary, House Breaking Theft
  
• Fire, Explosion, Self Ignition, Lightning
  
• Terrorism, Riots, Strikes, Malicious Acts
• Transit by road, rail, inland waterways, air or lift
• Earthquake, Flood, Storm, Landslide or Rockslide

• Liability to third parties

The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.

• Personal Accident Cover

The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 lakhs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers up  to the seating capacity of the vehicle and paid driver.

What is not covered

• General Ageing, wear and tear
• Damage by a person driving without a valid driving license
• Mechanical or Electrical breakdown, failure
• Damage by a person driving under the influence of Liquor / Alcohol / Drugs
• Depreciation, any consequential loss
• Loss / Damage attributable to War / Mutiny / Nuclear risks
• Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement
• Loss / Damage, outside India

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Key Highlights:

• Instant Online Policy
• Comprehensive coverage
• Assured service
• Competitive pricing
  

Features:

Two Wheeler Insurance Policy provides coverage for the following:

• Loss or Damage to the Vehicle Insured

Loss or damage to your vehicle caused by any one of the following events

• Accident by external means
• Burglary, House Breaking or Theft
• Fire, Explosion, Self Ignition, Lightning
• Terrorism, Riots, Strikes, Malicious Acts
• Transit by road, rail, inland waterways, air or lift
• Earthquake, Flood, Storm, Landslide or Rockslide

• Liability to third parties

The two wheeler insurance policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.

• Personal Accident Cover for Owner - Driver
  

The two wheeler insurance policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 1 lakh covering Accidental Death and Permanent Total Disability.

Exclusions:

• General Ageing, wear and tear
• Damage by a person driving without a valid driving license
• Mechanical or Electrical breakdown, failure
• Damage by a person driving under the influence of Liquor / Alcohol / Drugs
• Depreciation, any consequential loss
• Loss / Damage attributable to War / Mutiny / Nuclear risks
• Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement
• Loss / Damage, outside India

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Key Highlights

• Optimized health insurance plans at affordable rates.
• Option to choose Individual or Family Floater Health Insurance.
• Choose a health insurance plan from either an annual policy or a two year policy.
• Get a Cumulative Bonus on completion of every claim free year.
• Get health checkup expenses reimbursed on completion of 4 claim free years.
• A network of more than 4800+ hospitals to choose from to avail cashless services.
• Health checkup not mandatory for individuals below 45 years of age.
• Get benefits on Income Tax under Section 80D of the Income Tax Act.
• Enjoy hassle free claim procedures with least documentation and settlement times.
• No sub-limits on hospital room rents, hospital expenses, specific diseases etc.

Features

Schedule of Benefits - Individual & Family Floater

• Basic Sum Insured Per Policy Year - Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs.
• In-patient Treatment - Hospitalization costs due to illness or accident are covered upto the policy Sum Insured.
• Pre-hospitalization - Medical costs incurred during 60 days prior to hospitalization are reimbursed.
• Post-hospitalization - Medical costs incurred during 90 day period following discharge post hospitalization are reimbursed.
• Day Care Procedures - Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed.
• Domiciliary Treatment - The medical expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required hospitalization on the advice of the attending medical practitioner, if the Insured Person could not be transferred to a hospital or a hospital bed was unavailable are reimbursed.
• Organ Donor - Medical costs for harvesting an organ donated are reimbursed.
• Emergency Ambulance (Limit per hospitalisation) - Up to Rs. 2,000 reimbursed as ambulance expense during an emergency.
• AYUSH Benefit - Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed.
• Cumulative Bonus - 5% of basic sum insured every claim free year subject to a maximum of 50% of the basic sum insured. Cumulative Bonus will be reduced by 5% of the basic sum insured in case of a claim.
• Health checkups - Health checkup only once at the end of continuous four claim free years during which you have been insured with HDFC ERGO. The maximum liability will be subject to 1% of the Sum Insured for this policy year or the subsequent policy years up to a maximum of Rs 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.

Exclusions

• A waiting period of 30 days for claims.
• A waiting period of 2 years for particular diseases and treatments like surgery on tonsils and sinuses, internal tumors, cysts etc.
• Pre-existing conditions not covered until covered for 48 months continuously.
• War or any sort of armed conflicts.
• Breach of any law with an intent of crime.
• Suicide attempts / Suicide, injuries due to an act of self-destruction or self-inflicted injury.
• Terrorist activities, radioactivity or war.
• Claims for illnesses arising due to intoxication of drugs and alcohol.
• AIDS / HIV.
• Plastic or cosmetic surgery unless carried out as a part of medically required treatment.
• Vaccinations including inoculation and immunizations taken as part of preventive measures.
• For a complete list of exclusions, kindly refer the policy wordings document.

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Key Highlights

• Optimized health insurance plans at affordable cost.
• A network of more than 4800+ hospitals to choose from to avail cashless services.
• No limit for age at entry.
• Sum Insured Individual : Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs and
  Family Floater : Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs.

• Life Long renewability.
• AYUSH cover available without any sub limit.
• Option to choose from Individual or Family Floater Health Insurance Plans.
• Get benefits on Income Tax under Section 80D of the Income Tax Act.
• Enjoy hassle free claim procedures with least documentation and settlement times.
• Maternity benefit available after a waiting period of 4 years along with New Born baby cover.
• Convalescence benefit provided if the period of hospitalization has exceeded 10 consecutive and continuous days.
• E-opinion provided upon diagnosis of a Critical Illness.
• No sub-limits on any disease, room rent, hospital charges and doctor fees.

Features

• Product Benefit - Coverage-
  (Sum Insured / Annum: Individual : Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs)
  (Sum Insured / Annum: Family Floater : Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs).
• In-patient Treatment - Hospitalization costs due to illness or accident are covered up to the policy Sum Insured. HDFC ERGO will pay for the medical expenses for room rent, boarding expenses, nursing, intensive care unit, medical practitioner, anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs and consumables, diagnostic procedures, cost of prosthetic & other devices or equipment's if implanted internally during a surgical procedure.
• Pre-hospitalization - The medical expenses incurred due to an Illness in 60 days immediately before the Insured Person was hospitalized.
• Post-hospitalization - The medical expenses incurred in 90 days immediately after the Insured Person was discharged post hospitalization.
• Day Care Procedures - Expenses for 144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed.
• Domiciliary Treatment - The medical expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required hospitalization on the advice of the attending medical practitioner, if the Insured Person could not be transferred to a hospital or a hospital bed was unavailable are reimbursed up to the policy sum insured.
• Organ Donor - The medical expenses for an organ donors treatment in the event of organ transplantation for harvesting an organ donated are reimbursed up to the policy Sum Insured.
• Emergency Ambulance (Limit per hospitalization) - Up to Rs. 2,000 for SI Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and up to Rs. 3,500 for SI Rs. 7.5 lakhs and Rs. 10 lakhs reimbursed as ambulance expense during an emergency.
• AYUSH - Covers in patient hospitalization expenses under Ayurvedic, Unani, Sidha & Homeopathy upto the policy Sum Insured.
• New Born Baby - Covers in patient medical expenses of the new born baby within 90 days after the birth.
• Maternity with Waiting Period of 4 Years - Expenses related to Normal Delivery Rs. 15,000 & LSCS
  Rs. 25,000 / Termination Rs. 15,000 (The maternity includes Pre / Post Natal limit of up to Rs. 1,500 and New Born limit of up to Rs. 2,000, New Born baby covered).
• E-Opinion for Critical Illness - If an Insured Person suffers a Critical Illness during the policy period then the insurance company will arrange a second opinion from a medical practitioner selected by the Insured Person from HDFC ERGO's panel. The second opinion will be based only on the information and documentation provided to the medical practitioner by or on behalf of the Insured Person, and the second opinion will be sent directly to the Insured Person by the medical practitioner.
• Convalescence benefit - If the period of hospitalization has exceeded 10 consecutive and continuous days, then the insurance company will pay a lump-sum amount towards convalescence, maximum 1% of Sum Insured and up to Rs. 10,000 only.
• Cumulative Bonus (CB) - 5% of the basic sum insured every claim free year subject to a maximum of 50% of the basic sum insured. CB will be reduced by 5% of the basic sum insured in case of a claim.
• Health checkups - HDFC ERGO will offer health checkup only once at the end of continuous four claim free years during which you have been insured with them. The maximum liability will be subject to 1% of the Sum Insured for this policy year or the subsequent policy years up to a maximum of Rs. 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.

Exclusions

• Any treatment within first 30 days of cover except any accidental injury.
• Maternity waiting period of 4 years.
• Pre-existing conditions will not be covered for first 48 months.
• 24 Months waiting period for specified illnesses & treatments.
• Expenses arising from HIV or AIDS and related diseases.
• Mental disorder or insanity, cosmetic surgery, weight control treatment.
• Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
• Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind.
• Pregnancy, dental and external aids and appliances unless covered under specific plans.
• Terrorist activities, radioactivity or war.
• For a complete list of exclusions, kindly refer the policy wordings document.

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Key Highlights

• Optimized health insurance plans at affordable cost.
• A network of more than 4800+ hospitals to choose from to avail cashless services.
• No limit for age at entry.
• Sum Insured Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs.
• AYUSH cover available without any sub limit.
• Enhanced Cumulative Bonus at 10% per claim free year up to 100% of Sum Insured.
• Option to choose from Individual or Family Floater Health Insurance Plans.
• REGAIN benefit - Automatic availability of Sum Insured upon its exhaustion.
• Get benefits on Income Tax under Section 80D of the Income Tax Act.
• Enjoy hassle free claim procedures with least documentation and settlement times.
• No sub-limits on any disease, room rent, hospital charges and doctor fees.

Features

Schedule of Benefits - Individual & Family Floater

• Basic Sum Insured Per Policy Year - Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs.
• In-patient Treatment - Hospitalization costs due to illness or accident are covered up to the policy Sum Insured.
• Pre-hospitalization - Medical costs incurred during 60 days prior to hospitalization are reimbursed.
• Post-hospitalization - Medical costs incurred during 90 days period following discharge post hospitalization are reimbursed.
• Day Care Procedures - Expenses for -144 listed day care procedures that does not need 24 hours hospitalization on account of technological advancements are reimbursed.
• Domiciliary Treatment - The medical expenses incurred by an Insured Person for medical treatment taken at his home which would otherwise have required hospitalization on the advice of the attending medical practitioner, if the Insured Person could not be transferred to a hospital or a hospital bed was unavailable are reimbursed.
• Organ Donor - Medical costs for harvesting an organ donated are reimbursed.
• Emergency Ambulance (Limit per hospitalization) - Up to Rs. 2,000 for SI Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 3,500 for SI Rs. 7.5 lakhs and Rs. 10 lakhs reimbursed as ambulance expense during an emergency.
• AYUSH Benefit - Inpatient treatment medical expenses under Homeopathy, Siddha, Ayurveda or Unani are reimbursed up to Sum Insured.
• Health checkup - HDFC ERGO will offer health checkup only once at the end of continuous four claim free years during which you have been insured with them. The maximum liability will be subject to 1% of the Sum Insured for this policy year or the subsequent policy years up to a maximum of Rs. 5,000. In case of a family floater, if any of the members make a claim under this policy, the health checkup benefit will not be offered to the whole family.
• Regain Benefits - Provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the policy year.
• Enhanced Cumulative Bonus - The basic sum insured of your policy cover will increase by 10% for every claim free year up to 100% of basic sum insured and will decrease by 10% in case of a claim.

Regain Benefits

Regain benefit provides for an automatic availability of basic sum insured upon its exhaustion (inclusive of any cumulative bonus) during the health insurance policy year.

• Basic sum insured will be re-instated only once in health insurance policy year.
• If the Regain SI is not utilized in a policy year, it shall not be carried forward to any subsequent insurance policy year.
• Regain benefit cannot be withdrawn at subsequent renewals.
• Regain SI can be used for only future claims and not against any claim for an illness / disease (including its complications) for which a claim has been paid in the current policy year.

Exclusions

• Any treatment within first 30 days of cover except any accidental injury.
• Pre-existing conditions will not be covered for first 48 months.
• Expenses arising from HIV or AIDS and related diseases.
• Mental disorder or insanity, cosmetic surgery, weight control treatment.
• Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
• Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind.
• Pregnancy, dental and external aids and appliances unless covered under specific plans.
• Terrorist activities, radioactivity or war.

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• It supplements your existing mediclaim policy, insuring you for a larger sum insured limit at lower cost.
• A top up cover is initiated when the **deductible in this policy is exhausted.
• You can stay covered for the whole life since there is no-exit age.
• 1 Year & 2 Years policy option for Individual & Family Floater.
• *Tax Benefit under Section 80D which is over and above 80 C.

Features

• In-patient Treatment - Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc.
• Pre-hospitalization - Medical expenses 60 days immediately before hospitalization.
• Post-hospitalization - Medical expenses 90 days immediately after hospitalization.
• Day care procedures - Medical expenses for 140 day care procedures which do not require 24 hours hospitalization due to technological advancement in medical science.
• Domiciliary Treatment - Medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
• Organ Donor - Medical expenses on harvesting the organ from the donor.
• Sum Insured - Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs.
• Deductible - Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs and Rs. 5 lakhs.
• Requirement - Completed proposal form.
• Family Discount - of 10% if 3 or more family members are covered on Individual Sum Insured basis under 1 Adult plan in the same policy.
• Renewal Incentives - Cumulative bonus of 5% of the Sum Insured for every claim free year accumulating up to 50%. In the event of a claim, the cumulative bonus shall be reduced by 5% at the time of renewal.
• Age group - 5 to 65 years. However, there will be no cover-ceasing age. Children covered from 91 days onwards if both parents are covered under same policy.
• Policy Period - The policy will be issued for 1 year / 2 years period.
• Pre-Policy checkup - Required > 55 years of age.
• Emergency Ambulance - Expenses up to Rs. 2000 per hospitalization for utilizing ambulance service for transporting insured person to hospital.

Exclusions

• Deductible - No payment unless the medical expenses exceed the deductible.
• Waiting Periods
  • 30 days Waiting Period - A waiting period of 30 days will apply to all claims.
  • 2 Years specific waiting period for specified diseases and treatments.
  • 4 Years pre-existing conditions will not be covered until 48 months of continuous coverage have elapsed, since inception.
• For a complete list of exclusions, kindly refer the policy wordings document.

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Key Highlights

• Provides a lump sum benefit which can pay for
  • Costs for the care and treatment
  • Recuperation aids
  • Debts pay off
  • Any lost income or any loss of income due to a decreasing ability to earn
  • Fund for a change in lifestyle                       
• Tax benefit under Section 80D                        

Features

A unique Critical Illness Insurance Plan that provides a lump sum benefit amount on first diagnosis after a 30 days survival period for any one of the 8 Critical Illnesses covered under the plan.

Critical Illness covered

• Heart Attack (Myocardial Infraction)
• Coronary Artery Bypass Surgery
• Stroke
• Cancer
• Kidney Failure
• Major Organ Transplantation
• Multiple Sclerosis
• Paralysis

Exclusions

• 90 days waiting period
• War or any act of war, invasion, act of foreign enemy, war like operations
• Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane                     
• Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang - gliding, rock or mountain climbing
• Intoxicating drugs and alcohol            
•  Venereal disease, AIDS (Acquired Immune deficiency Syndrome) and / or infection with HIV
• Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section)

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Note : The content is descriptive only. For actual coverage, kindly refer the policy document.

Key Highlights

• Provides a lump sum benefit which can pay for
  • Costs for the care and treatment
  • Recuperation aids
  • Debts pay off
  • Any lost income or any loss of income due to a decreasing ability to earn
  • Fund for a change in lifestyle
• Tax benefit under Section 80D

Features

A unique Critical Illness Insurance Plan that provides a lump sum benefit amount on first diagnosis after a 30 days survival period for any one of the 15 Critical Illnesses covered under the plan.

Critical Illness covered

• Heart Attack (Myocardial Infraction)
• Coronary Artery Bypass Surgery
• Stroke
• Cancer
• Kidney Failure
• Major Organ Transplantation
• Multiple Sclerosis
• Paralysis
• Aorta Graft Surgery
• Primary Pulmonary Arterial Hypertension
• Heart Valve Replacement
• Benign Brain Tumor
• Parkinson's Disease
• Alzheimer's Disease
• End Stage Liver Disease

Exclusions

• 90 days waiting period.
• War or any act of war, invasion, act of foreign enemy, war like operations.
• Criminal or unlawful act, or intentional self injury or attempted suicide while sane or insane.
• Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
• Intoxicating drugs and alcohol.
• Venereal disease, AIDS (Acquired Immune deficiency Syndrome) and / or infection with HIV.
• Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section).
• For a complete list of exclusions, kindly refer the policy wordings document.

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Note : The content is descriptive only. For actual coverage, kindly refer the policy document.

Coverage

COVID Hospitalisation Cover
Medical Expenses for Hospitalisation during the Policy Period for treatment of COVID including treatment of any Co-morbidity illness up to the Sum Insured on positive diagnosis of COVID in a Government authorised diagnostic centre.

Home Care Treatment Expenses
Covers the costs for treatment of COVID availed at home for maximum up to 14 days per incident on positive diagnosis of COVID in a government authorised diagnostic centre*.

AYUSH Treatment
Medical Expenses incurred for inpatient care treatment for COVID under AYUSH system of Medicine on positive diagnosis of COVID in a government authorised diagnostic centre in case of Hospitalization in AYUSH hospital.

Pre and Post Hospitalisation
Medical Expenses incurred 15 days before Hospitalisation / Home care treatment and 30 days post Hospitalisation / Home Care treatment. These Medical expenses are payable following an admissible claim under the policy.

Hospital Daily Cash (Optional Cover)
If opted, the insured will be paid 0.5% of Sum Insured per day for each 24 hours of continuous Hospitalisation for a maximum up to 15 days during a policy period for treatment of COVID for which a claim under Hospitalisation Cover is accepted.

Note: The total amount payable in respect of Coverage mentioned above shall not exceed 100% of the Sum Insured opted for during a policy period.

Eligibility
Policy can be availed for Self and the following family members between the age of 18 years up to 65 years,
i. Spouse
ii. Parents and Parents-in-law
iii. Dependent Children (i.e. natural or legally adopted) from day 1 of age to 25 years
For floater Sum Insured, financially independent children above 18 years shall be covered in separate

Waiting Period
First Fifteen Days Waiting Period - Expenses related to the treatment of COVID within 15 days from the policy commencement date shall be excluded

The content is descriptive only. For actual coverage, kindly refer the policy document.

Disclaimer: *Terms and conditions apply. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered and 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 / prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. Deutsche Bank AG (Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai - 400 001 is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0020. UIN: Corona Kavach Policy, HDFC ERGO: HDFHLIP21078V012021.

Features

• Cover for hospitalisation expenses with no sub-limits
• Tax Benefit under section 80D (Subject to change Tax Laws)
• No medical tests upto the age of 55 years**
• Constant premium from 61 years and above*
• Entry age till 65 years with lifetime renewal option
• Higher Sum Insured at a lower premium with range of deductible

Public Coverage

In-patient hospitalisation expenses:
If the treatment of an illness or accidental injury is undertaken in a hospital, the medical expenses incurred by you towards your hospitalisation on room rent / ICU / Therapeutic Unit, Medical Practitioner fees, Anaesthetist fees, nurse fees, blood, oxygen and anaesthesia are covered. There are no sub-limits under this cover.

Pre and Post- hospitalisation medical expenses:
Policy covers all the medical expenses you incur up to 30 days before being admitted into a hospital and for 60 days after you have been discharged from hospital. These expenses are payable subject to following condition.
Such medical expenses are incurred for the same condition for which your hospitalisation was required and the Inpatient Hospitalisation claim for such hospitalisation is admissible by insurer.

Expenses for Pre-existing diseases:
Policy covers expenses incurred for the treatment of diseases that you have before taking the Policy and will be covered only after 3 continuous renewals with insurer.

Day Care Procedures:
Policy covers medical expenses incurred by you for treatment or procedures that requires less than 24 hours of hospitalisation undertaken under general or local anaesthesia. 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, even if it is a new procedure, you can be rest assured that, it will be covered.
However, this cover excludes diagnostic procedures and treatments taken in an out-patient department.

Eligibility
Policy can be availed by persons between the age of 18 years to 65 years.
Dependent children covered from the age of 91 days to the age of 23 years.
Your parents and parents in-law can also be covered in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.

Waiting Periods -

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.
2. Any disease contracted and / or Medical Expenses incurred by You in respect of any illness during the first 30 days from the commencement date of the Policy except in case of accidental injuries.
3. All expenses along with their complications on treatment towards specific ailments / illness are excluded and will be covered after the first two years (24 months) of continuous operation for example -

• 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
• 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

(For Complete list of ailments / illness kindly refer the policy document)

Exclusions -

• Aggregate Deductible: Insurer is not liable for Claims / Claim amount falling within Aggregate Deductible limit as opted and mentioned on the Schedule
• Ambulance charges
• Domiciliary hospitalisation expenses
• Any treatment arising from or traceable to pregnancy, childbirth including Caesarian section
• Co-payment: All person(s) named in the Schedule to this Policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim

(For Complete list of exclusions kindly refer the policy document)

Additional Features:
Two Year Policy Period:
Get a Policy for a continuous period of 2 years and avail a 5% discount on the total premium amount.

Individual and Floater Sum Insured Options:
This Policy gives you an option of covering your spouse and 2 dependent children. Your parents and parents in-law can also be covered in the same Policy if it is on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis
The content is descriptive only. For actual coverage, kindly refer the policy document.

Disclaimer: Aggregate deductible will be applicable as per the plan opted. Minimum and Maximum entry age for my:health Medisure Super Top up insurance is 18 years and 65 years respectively. *As per rate chart filed with IRDA there is no change in rates above 60 years of age. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered and 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 / prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. Deutsche Bank AG (Deutsche Bank House, Hazarimal Somani Marg, Fort, Mumbai - 400 001 is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0020. UIN: my:health Medisure Super Top Up Insurance – IRDA/NL-HLT/L&TGI/P-H/V.II/31/14-15.
**Subject to no medical history

We put a lot into planning the perfect vacation abroad. However, to make sure that our vacation is a complete success, travel insurance is an absolute necessity. Your trip abroad should be without hassles and worries, and a comprehensive travel insurance policy provides you with the same. Whether you lose your baggage or passport, or even need some medical support on your trip, overseas travel insurance will make sure you get what you need. Go on your vacation without any worries in the back of your mind, buy a travel insurance policy.

Key Highlights

• Entry Age
  • Single Trip: 6 months to 70 years
  • Annual Multi Trip: 18 years to 70 years
  • Single Trip Asia Excluding Japan: 6 months to 70 years
• Family Floater
  • Self: Up to the age of 60 years
  • Spouse: Up to the age of 60 years
  • Child: Max 2 from 3 months up to the age of 21 years
• Rest assured on our international travel assistance provider on call 24*7
  • Optimum coverage at low costs
  • Online purchase option available

Features

General covers available across all our plans are as follows:

• Emergency Medical Expenses: Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule.
• Emergency Medical Evacuation: Evacuation to the home country is covered up to the medical sum insured chosen.
• Repatriation of remains: Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas.
• Emergency Dental Expenses: Covers acute Anaesthetic treatment of natural teeth.
• Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents.
• Accidental Death and Permanent Total Disability Common Carrier: The insurance company will pay the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident section, if the insured sustains Accidental Bodily Injury during the course of the journey while travelling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability.
• Personal accident: Compensation paid in case of death or permanent total disability caused due to an accident.
• Flight delay: Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time.
• Loss of Baggage and Personal Documents: Pays for expenses incurred in replacing lost documents and belongings.
• Loss of Checked Baggage: Compensation for the permanent loss of checked-in baggage.
• Delay of Checked Baggage: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours.
• Personal Liability: Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
• Financial Emergency Assistance: Insurance cover is provided in the event of the Insured Person getting into a financial emergency due to theft, pilferage, robbery or dacoity of his / her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the Policy.
• Contingency Travel Benefits: Pays for the cost of hotel Accommodation if the Insured Person sustains Bodily Injury or Sickness which directly and independently of all other causes results in a hospital stay as an in-patient and misses his / her flight back to the country of residence.
• Hijack Distress Allowance: Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is Travelling whilst on the trip abroad during the Period of Insurance. An allowance will be paid for each day of the hijack up to the limits specified under the Policy.

Exclusions

The insurance company shall not be liable to pay any benefit to the Insured caused due to:

• Civil War or Foreign War
• Terrorism
• Self Inflicted Injury, Suicide
• Non adherence to medical advice
• Under influence of Liquor, Drugs or Narcotics (Unless advised/administered by a physician)
• Participation in any Sport as a Professional Player
• Participation in any Criminal Act
• AIDS or HIV
• Treatment of Nervous and Mental Problems
• Participating in hazardous sports like parachuting, hang gliding, bungee jumping etc.

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*Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy issued.

Key Highlights

• Entry Age
  • Single Trip - 6 months to 70 years
  • Annual Multi Trip - 18 years to 70 years
  • Single Trip Asia Excluding Japan - 6 months to 70 years
• Family Floater
  • Self - up to the age of 60 years
  • Spouse - up to the age of 60 years
  • Child - max 2 from 3 months up to the age of 21 years
• Optimum coverage at low costs.
• Online purchase option available.

Features

• Emergency Medical Expenses - Covers medical costs incurred due to illness or accident including medically necessary and prescribed emergency evacuation. It covers outpatient, in-patient, medical aid, therapies and diagnostic tests as described in the policy schedule.
• Emergency Medical Evacuation - Evacuation to the home country is covered up to the medical sum insured chosen.
• Repatriation of remains - Covers the funeral expenses or expenses of repatriating the remains back to India, in case of death of the insured overseas.
• Emergency Dental Expenses - Covers acute anesthetic treatment of natural teeth.
• Hospital Cash - Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents.
• Accidental Death and Permanent Total Disability Common Carrier - The company will pay the sum insured specified in the schedule in addition to the sum insured specified under the Personal Accident section, if the insured sustains accidental bodily injury during the course of the journey while travelling in a common carrier such as rail, bus, tram, or aircraft; and such bodily injury results in death or permanent total disability.
• Personal accident - Compensation paid in case of death or permanent total disability caused due to an accident.
• Flight delay - Compensation if the aircraft is delayed for more than 12 hours than the original scheduled departure time.
• Loss of Baggage and Personal Documents - Pays for expenses incurred in replacing lost documents and belongings.
• Loss of Checked Baggage - Compensation for the permanent loss of checked-in baggage.
• Delay of Checked Baggage - Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours.
• Personal Liability - Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
• Financial Emergency Assistance - Insurance cover is provided in the event of the Insured Person getting into a financial emergency due to theft, pilferage, robbery or dacoit of his / her travel funds. A fixed sum is paid as emergency assistance up to the limits specified under the policy.
• Contingency Travel Benefits - Pays for the cost of hotel accommodation, if the Insured Person sustains bodily injury or sickness which directly and independently of all other causes results in a hospital stay as an in-patient and misses his / her flight back to the country of residence.
• Hijack Distress Allowance - Insurance cover is provided in the event of the hijack of the air or sea common carrier in which the Insured Person is traveling whilst on the trip abroad during the period of insurance. An allowance will be paid for each day of the hijack up to the limits specified under the policy.

Exclusions

• Civil War or Foreign War.
• Terrorism.
• Self Inflicted Injury, Suicide.
• Non adherence to medical advice.
• Under influence of Liquor, Drugs or Narcotics (Unless advised / administered by a physician).
• Participation in any Sport as a Professional Player.
• Participation in any Criminal Act.
• AIDS or HIV.
• Treatment of Nervous and Mental Problems.
• Participating in hazardous sports like parachuting, hang gliding, bungee jumping etc.

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*Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy issued.

Key Highlights

• Comprehensive travel insurance for Indian students studying abroad.
• Age Limit - 16 to 35 years.
• Worldwide cover for 30 days to 2 years. No medical check-up.

Features

• Accidental Death - Pays the family of the insured compensation in the case of loss of life in an accident.
• Permanent Disablement - Pays compensation if the insured is permanently disabled in an accident.
• Emergency Medical Expenses - Reimburses the insured for medical expenses incurred for an accident or an unexpected sickness.
  • Medical Evacuation - Pay the actual costs or the total sum insured, stated in the schedule, whichever is lesser, for repatriating insured back to the country of residence.
  • Body Repatriation - Pay the actual costs or the total sum insured stated in the schedule, whichever is lesser, for repatriating insured corpse to the country of residence.
• Emergency Dental Treatment - Reimburses the insured for emergency dental expenses incurred for an injury or acute pain.
• Loss of Passport - In the event that the passport belonging to the insured is lost, the insured is reimbursed the actual expenses incurred in obtaining a duplicate or fresh passport.
• Loss of Checked Baggage - If baggage, personal documents or personal effects are checked onto a common carrier, the insured is reimbursed the cost of replacement for any damaged or lost articles.
• Delay of Checked Baggage - Provides an amount for emergency purchases on account of delay in baggage.
• Personal Liability - Pays a benefit for damages that an insured person is legally liable for as the result of a lawsuit for property damage being brought against the insured person. Also pays a benefit for medical expenses that an insured person is legally liable for as the result of a law suit for an accident caused by the insured person resulting in bodily injury to another person.
• Bail Bond - Pays the bail amount for the insured on arrest or detention by police for a bail-able offence in the territory of travel.
• Study Interruption - Pays compensation in the event of interruption of study whilst abroad.
• Sponsor Protection - Pays tuition fees to the insured in the event of accidental death of insured’s sponsor.
• Compassionate Visit - Pays amount incurred to the insured in the event of compassionate visit by one immediate family member.
• Mental & Nervous disorders - Pays for treatment of mental and nervous disorders, including alcoholism and drug dependency.
• Treatment for Expectant Mothers - Pays for in-patient medical expenses related to pregnancy after a waiting period of 10 months.
• Screening and Examinations - Pays for cancer screening and mammographic examinations on recommendation from physician.
• Childcare Benefit - Pays for hospital cash benefits of childcare.

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Exclusions

• Any medical expenses incurred when the specific purpose of a journey is to receive medical treatment or advice.
• Any medical expenses incurred, the need of which arises out of a pre-existing conditions.
• Any medical expenses incurred within the territorial limits that are not stated in the schedule.
• Exclusions applicable to bodily injury or sickness :
  • Occasioned by Civil War or Foreign War.
  • Caused or provoked intentionally by the insured.
  • Due to willful or deliberate exposure to danger, (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt threat, or arising out of non-adherence to medical advice.
  • Sustained or suffered whilst the Insured is or as a result of the Insured being under the influence of alcohol or drugs or narcotics unless professionally administered by a physician or unless professionally prescribed by and taken in accordance with the directions of a physician.
  • Due to a gradually operating cause.
  • Sustained whilst or as a result of participating in any sport as a professional player.
  • Sustained whilst or as a result of participating in any competition involving the utilisation of a motorised land, water or air vehicle.
  • Whilst the Insured is travelling by air other than as a fare paying passenger on an aircraft registered to an Airline Company for the transport of paying passengers on regular and published scheduled routes.
  • Whilst or as a result of participating or committing or attempting to commit a breach of law with criminal intent.
  • Caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and / or any related illness or condition including derivatives or variations thereof howsoever acquired or caused.
  • Caused by or arising from or due to venereal or venereal related disease.
  • Sustained whilst or as a result of engaging in, practicing for or taking part in training peculiar to any kind of violent labour disturbance, riot or civil commotion or public disorder.
  • Sustained whilst on service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation, not withstanding that the bodily injury occurred whilst the insured was on leave or not in uniform.
• For treatments for nervous or mental problems, whatever their classification, psychiatric or psychotic conditions, depression of any kind, or mental insanity.
• Any pathological fracture.
• For cures of any kind and all stay in long term care institutions (retirement homes, convalescence centers, centers of detoxification, etc.).
• For investigations, operations or treatment of a purely cosmetic nature; or for obesity; or undertaken to facilitate pregnancy or to cure impotence or to improve potency.
• For bodily injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hang-gliding, parasailing, off-piste skiing or bungee jumping, skiing, jet skiing, paragliding, parachuting and racing of any type.
• For bodily injury sustained as the result of terrorism.
• Nuclear Energy risks.
• Injury caused by surgery.

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**The coverage, terms and conditions and exclusions are only outlined briefly. For complete details, please refer to the policy wordings.

Accidents are unforeseen and inevitable. Such mishaps take only seconds to turn life upside down. Moreover, the impact is felt on the emotional as well as financial grounds. It can even drain your lifetime savings, leaving your family in a difficult situation without resources or help. Hence, securing your family’s future & enabling their basic day-to-day needs in your absence becomes utmost priority for you.
A Personal Accident Insurance ensures the financial stability for you and your family in the event of an accident. The policy covers death of individual, physical injuries and bodily burns.

Key Highlights

• Anyone below the age of 65 years is eligible for the coverage.
• Policy Sum Insured ranges from Rs. 5 lakhs to Rs. 15 lakhs.
• Family Coverage Plans: A comprehensive coverage offered at affordable price extendable to the entire family in a single policy including dependents - parents and children.
• Insurance with no boundary limits. Coverage for accidents in India and worldwide.
• Almost all risks pertaining to accidents like broken bones, burns, permanent disability or accidental deaths are covered under the policy. Coverage on ambulance expenses as well as daily cash reimbursements for hospitalization due to accidents and sickness are also included in the policy plan.

Features

• Accidental Death - If the physical injuries due to an accident leads to death of the insured, 100% of the Policy Sum Insured is reimbursed.
• Permanent Total Disablement - If the physical injuries due to an accident results in permanent disability, then up to 100% of the Policy Sum Insured is payable to the insured.
• Broken Bones - If the physical injuries to the insured results in bone fractures, then up to 10% of Policy Sum Insured is payable under the policy.
• Hospital Cash (Illness & Accident) - In the event of insured’s accident or illness, a daily assistance for hospitalization up to 45 days is provided.
• Burns - If an accident results in hospitalization of the insured and treatment of burns, up to 5% of Policy Sum Insured is payable.
• Ambulance Expense - Ambulance costs incurred on the insured post-accident are reimbursed as per the policy.

Exclusions

• Intentional acts.
• Injuries from Civil or Foreign Wars.
• Accidents resulting due to Alcohol / Drug influence.
• Accidents while riding a two-wheeler of more than 150 cc.
• AIDS / HIV.
• Injuries during active involvement in violent public disorder / labour disturbance.
• Injured on duty with military / police force or a paramilitary organization.
• Injuries resulting from participation in unsafe sports.

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*Please note these are illustrative exclusions. For detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language of policy issued.

Home is where the heart is, as rightly said. A home is the place of innumerable memories; no money is better spent than what is invested on your home. Thus safeguarding your home from unforeseen events becomes a priority and the best way can be securing with home insurance. An adequate and a comprehensive home insurance policy must be on top of your priority list. It is just not enough to have an insurance cover for your home but what matters is the right home insurance that covers all possible liabilities.

Key Highlights

• A home insurance that adequately safeguards your priceless property and possession.
• A home insurance that protects both your home structure and the household contents.
• Low Cost Optional Cover for Burglary including Theft and Larceny.
• Avail up to 15% premium discount for Security Features.

Features

• Fire and Special Perils: Building (Section I) and Contents (Section IA) covers the structure of your home and contents against.
  • Fire, Lightning, Explosion / Implosion, Aircraft damage
  • Riot, Strike, Malicious damages
  • Terrorist damages as an add on benefit
  • Bursting and overflowing of water tanks, apparatus, pipes
  • Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
  • Earthquake, Volcanic Eruption & other Convulsions of Nature
  • mpact damage by rail / road vehicle and animal
  • Subsidence and Landslide including Rockslide
  • Missile testing operations
  • Leakage from automatic sprinklers installations
  • Bush fire
  • The sum insured for the structure of the house is based on the reinstatement value. Quite simply, it would be the reconstruction cost of the house in the event of any loss / damage due to any of the insured events like fire, riots, storm, flood and so on.
  • The reconstruction value for the structure is determined by the construction cost. This, however, would not include the cost of land. The home insurance policy will calculate reconstruction cost based on two parameters which are mentioned below:
  • Built Up Area of the House (Square Feet)
  • Cost of Construction in your area / locality
• Burglary and Housebreaking including larceny and theft (Section II) - Contents (as defined by Indian Penal Code).
• You can also insure the contents like electronic equipment's, furniture and fixtures, clothes of your home against loss due to burglary and housebreaking.
• Sum Insured for contents under Section I A Fire & Special Perils and Section II burglary & theft should be the same.
• Sum Insured for personal effects like clothing, footwear etc. is calculated on market value.
• Sum Insured for contents like furniture, fixtures, fittings, electrical or electronic appliances and specified items calculated on re-instatement value.

Exclusions

• Willful destruction of property.
• Loss or damage caused by depreciation or wear and tear and consequential loss of any kind.
• Loss or damage arising from any consequences of war, invasion, act of foreign enemy, hostilities etc.
• Loss or damage contributed to by nuclear weapons material and / or lionizing radiations.
• Loss, destruction or damage to articles of consumable nature, livestock and motor vehicles.
• Loss, destruction or damage to any electrical machine, apparatus, fixture or fitting arising from or occasioned by over-running, excessive pressure, short circuiting provided that this exclusion shall apply only to the particular so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up.
• Loss of earnings, or other consequential or indirect loss or damage of any kind or description whatsoever.
• Property under construction.

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*Please note these are illustrative exclusions. For a detailed list, kindly refer the policy wordings.
*This content is descriptive only. Actual coverage is subject to language policy issued.

A unique proposition to cover your Home Structure and Contents on comprehensive basis

Key Highlights

• Owner can take policy for Building incl. interiors and Contents whereas Tenant can purchase it for Contents Part
• Option to cover Building at Registered Agreement Value which may be higher than reconstruction cost
• Contents incl. Electronic and electrical equipments, domestic appliances are covered upto 10 years
• Option to cover contents on loss limit basis without submission of any list for contents
• Auto reinstatement of sum insured for contents is available after claim payment without additional premium
• Auto cover for newly purchased items if contents are covered on loss limit basis
• Jewellery and Valuables, Portable items (Laptops,Tablets) can be covered under additional sections on all risk basis
• Special discounts based on security features, tenure, salaried class is available
• Competitive Pricing and Unique offering to the customer

Disclaimer: General Insurance business is underwritten by HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. email: care@hdfcergo.com Deutsche Bank is a licensed corporate agent of HDFC ERGO. Corporate Agent's License No. CA0020. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.
Home Shield Insurance: UIN: IRDAN125P0001V01201718. The benefits / features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale.

E@Secure - Cyber crime insurance policy in India

What if we told you that every second you spend online means a greater chance of exposing your valuable information to malicious activities and threats? After all, India is the second most impacted country by spam and third most by network attacks. But, don’t let cybercrime hold you back. Make the most of the internet; get insured and browse without a care!

Key Highlights

• Family cover: Don’t let cybercrimes wreak havoc on your family’s mental and emotional health. Let your family browse worry-free by securing yourself, your spouse, and two dependent children (regardless of age) from the clutches of cybercriminals.
• All Device covered: Today, all of us are plugged-in and synced across multiple devices. But you need not worry about insuring all them separately. HDFC ERGO’s E@Secure provides cover for all devices under a single insurance plan.
• 100% Coverage: Worried about threats to credit/debit cards, bank account or e-wallets? Well, here’s why you needn’t be. HDFC ERGO’s E@Secure covers losses that you might incur due to fraudulent online transactions and legal expenses.
• Covers Legal Expenses: Protect yourself and your family from the dark side of the web with a plan that helps you get the right legal advice and more.

What is covered?

• Unauthorised Online Transactions: Protect your hard-earned money with a plan that provides you with a 100% cover against fraudulent transactions on your bank account, credit/debit card or e-wallet.
• Phishing & Email Spoofing: Get cover of up to 15% and 25% of the limit respectively.
• Damage to e-reputation:Stay shielded against such threats with a plan that offers 25% coverage (of the policy limit) for e-reputation.
• Identity theft: Get 25% of the policy limit protection and safeguard yourself against this threat.
• Cyber bullying: Protect yourself and your loved ones against cyber bullying by getting a cover of up to 10% of the policy limit with HDFC ERGO E@Secure.
• E-extortion: Protect yourself against blackmailers and ransomware attacks . This product provides coverage of up to 10% of the policy limit against e-extortion

Add On Covers

With optional covers, 1+1 always equals 11! Up your digital security and get more with your cyber Insurance plan with add-on security features.

• Family cover:
  Secure your family online as you do in real life with protection against loss/damage arising from internet usage. Protect yourself, your spouse, and your two children (without any age limit) and ensure complete digital security for the entire family.

How does it work?
If in case any of your family member suffers any loss or damage from internet usage (through any of the events specified in the coverages), you can rely on E@Secure to provide you with the required cover.

• Cover for malware:
  As you lock your house doors, secure your digital assets too. Get protection against corruption and destruction of digital assets by malware. This add-on compensates for replacement expenses to the extent of 10% of the policy limit.

What is not covered?

• Frauds: Fraudulent act that is intentional / deliberate.
• Pre existing Loss: The benefits only begin once you sign up for the policy.
• Unexplained Loss: There’s nothing more intriguing than solving a mystery. But losses that cannot be explained or traced, or mysterious disappearances, aren’t covered under E@Secure.
• Delayed Claims: Claims reported after six months of occurrence.
• Terrorism: Losses or incidents due to an act of terrorism, looting, or due to other acts of the government won’t be covered.
• Offline activity

Disclaimer: General Insurance business is underwritten by HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. email: care@hdfcergo.com Deutsche Bank is a licensed corporate agent of HDFC ERGO. Corporate Agent's License No. CA0020. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.
E@Secure Insurance: UIN : e@secure Insurance Policy - IRDAN125P0003V01201819. The benefits / features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale.

Cyber Security by HDFC ERGO is designed to protect commercial businesses against a wide range of first and third party liability occurring out of cyber exposures associated with e-business, internet, networks and information assets.

Companies with access to private & confidential information about their customers have a responsibility to keep it secure. Equally, companies who have a web presence or a dependency on technology have emerging content and transactional exposures.

Cyber risk is steadily increasing. Security/Data breaches affect millions of records a year and reports of breaches continue to rise at a dramatic rate. The introduction of viruses and unauthorized access are well known examples.

Coverage:

First Party Liability:

• E-Theft Loss as a consequence of having transferred funds or property or given any value due to the fraudulent input of data into a computer system or through a network into a computer system
• E-communication Loss occurring due to a customer having transferred funds or property or given any value on the faith of any fraudulent communication for which loss you are held legally liable
• E-Threat Loss, including the cost of a professional negotiator and any payment made or any fund or property surrender intended as an extortion payment
• E-Vandalism Loss, even when caused by an employee
• E-Business interruption, including Extra Expenses
• Privacy Notification Expenses, including the cost of credit monitoring services or similar services for affected customers. (Subject to a sub limit)
• Crisis Expenses, including the cost of public relations consultants. (Subject to a sub limit)
• Reward Expenses, including informant costs. (Subject to a sub limit )

Third Party Liability:

• Disclosure Liability, including customer claims due to system security failures resulting in unauthorized access to or dissemination of private information on the Internet
• Content Liability, including claims for intellectual property, trademark and copyright infringement
• Reputational Liability, including claims alleging disparagement of products or services, libel, slander, defamation and invasion of privacy
• Conduit Liability, including claims arising from system security failures that result in harm to third-party systems
• Impaired Access Liability, including claims due to system security failure resulting in systems being unavailable to customers
• Defence Costs cover available for costs incurred in defending any claim brought by a government agency, licensing or regulatory
• Organization Defence Costs in advance of the final disposition of any cyber liability claim and within 30 days of receipt of invoice for such costs
• Claims definition includes Extradition proceedings
• Prior Notice Exclusion: Excludes prior notice of a fact or circumstance that has been accepted by the previous insurer
• Full Severability of Exclusions: Knowledge of one Insured Person is not imputed to another and only knowledge possessed by the Chief Executive Officer, Chief Financial Officer or the Chief Operating Officer of the Organization will be imputed to the Organization

Major Exclusions:

Claim arising out of or resulting from any of the following:

• Fraudulent act or willful violation of any such law, regulation by an insured
• Bodily injury, sickness, disease, death of any person or damage to any tangible property
• Mechanical failure, gradual deterioration, electric disturbance, media failure or breakdown or any malfunction
• E-Threat Loss, including the cost of a professional negotiator and any payment made or any fund or property surrender intended as an extortion payment
• E-Vandalism Loss, even when caused by an employee
• E-Business interruption, including Extra Expenses
• Privacy Notification Expenses, including the cost of credit monitoring services or similar services for affected customers. (Subject to a sub limit)
• Crisis Expenses, including the cost of public relations consultants. (Subject to a sub limit)
• Reward Expenses, including informant costs. (Subject to a sub limit)

Benefits:

• Combined benefit of third-party (cyber liability) and first-party (cyber crime expense) coverage
• Broad definitions of “computer” and “system” address enterprise- wide network exposure, including laptops, disk drives, backup tapes, and mobile devices
• No “security maintenance” exclusion
• Disclosure Liability coverage extends to outsourced data processing and data storage services
• Privacy notification expenses coverage is triggered without a requirement for a claim or a regulatory requirement mandating the notification
• Covers Cyber hacking and cyber attack incidents

Disclaimer: General Insurance business is underwritten by HDFC ERGO General Insurance Company Limited. IRDAI Reg No: 146, CIN: U66030MH2007PLC177117. Reg Office: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. email: care@hdfcergo.com Deutsche Bank is a licensed corporate agent of HDFC ERGO. Corporate Agent's License No. CA0020. The Contract of insurance is between HDFC ERGO and the Insured only and Deutsche Bank is not a party to the said contract. Participation by customer to buy insurance policy is purely voluntary. For more details on coverage, terms and conditions, please read the sales brochure carefully before concluding a sale.
Cyber Security Insurance: UIN : IRDAN125P0005V01201112. The benefits / features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale.