Ensure your family’s health with my:health Medisure Prime ... · solution that understands your...

Ensure your family’s health withmy:health Medisure Prime Insurance

Our lifestyle today has changed in many radical ways than what previous generations had to contend with. This has increased the susceptibility to health risks in more ways than one. Ensuring your family’s health is most critical to you. But, the ever-spiralling medical and healing costs of even small common illnesses can actually erode your hard earned savings, leave alone critical illnesses.

HDFC General Insurance presents

my:health Medisure Prime Insurance

What are the key Coverage of my:health Medisure Prime?

Following are the key benefits that are unique to my:health Medisure Prime Insurance. This is our endeavour to bring to you innovative features.

• Pay for your policy based on your location

– The healthcare costs differ in different cities across India. We have carefully factored the same while arriving at the premium.

– So if you belong to a city where the cost of a particular treatment is lower than say Mumbai, you will have to pay a lower rate of premium (Read on to know which zone you belong to).

my:health Medisure Prime is a meticulously designed insurance

solution that understands your family’s unique health needs and

defines for you a step-by-step plan to ensure it. my:health plans

have been designed through a scientific process that will enable you

to continue enjoying the pleasant moments with your family and

bounce back from a medical emergency, quickly!

RENEWAL

• In-patient Hospitalisation Expenses

If the treatment of a disease, illness or injury is taken and you are hospitalised as an In-patient for a minimum period of 24 hours we will pay the medical expenses incurred by you towards;

– Room Rent/Boarding & Nursing

– ICU Rent/Boarding & Nursing

– Fees of Surgeon, Anaesthetist, Nurses and Specialists

– Cost of Operation Theatre, diagnostic tests, medicines, blood, oxygen and cost of prosthetic and other devices or equipment if implanted internally like pacemaker during a Surgical Procedure

This also covers any relapse within 45 days from the date of last hospitalisation at the hospital/nursing home where treatment was taken. Occurrence of the same illness after 45 days would be a fresh instance of illness.

• Pre-hospitalisation

This covers the relevant medical expenses you incur within a period of 60 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

This covers the relevant medical expenses, up to a period of 90 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 Treatment

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 anaesthesia which would have otherwise required hospitalisation. 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 Out-patient basis.

• Critical illness

The policy provides an additional cover equivalent to the Sum Insured (which essentially doubles the Sum Insured) for treatment of following listed critical illness.

a) First Diagnosis of the below-mentioned Illnesses:

– Cancer (of specific severity)

– Kidney Failure (requiring regular dialysis)

– Multiple Sclerosis with persisting symptoms

– Primary Pulmonary Arterial Hypertension

b) Undergoing for the first time of the following surgical procedures

– Major Organ/Bone marrow Transplant

– Aorta Graft Surgery

– Open Chest CABG

c) Occurrence for the first time of the following medical events

– First Heart Attack (of specific severity)

– Stroke (resulting in permanent symptoms)

Insured Person(s) diagnosed with a particular Critical Illness listed above during a policy period shall not be entitled to avail the benefits under the same Critical Illness for subsequent renewals. However, he may continue to be covered for the remaining critical illnesses.

• Maternity and New Born Baby Cover

– The policy provides coverage towards maternity expenses and new born baby cover up to the limit of Sum Insured below.

– Maximum of 5% of Sum Insured or `25,000 for a normal delivery and 10% of Sum Insured or `50,000 for a caesarean section or actual cost, whichever is lower.

– Coverage is applicable only towards the first two children for Self and lawful Spouse who are covered under a single policy for a continuous period of 48 months.

– New born baby will be covered for a period of 90 days from date of birth within the maternity limits.

– Pre or Post natal Medical Expenses will be covered within the limit of Sum Insured under this cover however pre-post hospitalisation expenses are excluded under this cover.

• Hospitalisation due to an Accident

If during the term of your policy, the entire Sum Insured gets used up and there is a second hospitalisation due to an accident, the Sum Insured of your policy is ‘reinstated’ or ‘replenished’ to the extent of claim amount but not exceeding the Sum Insured. This additional amount will be available only ONCE during the 12-month policy period and shall trigger when the basic Sum Insured opted under the policy has been exhausted or is inadequate to cover this second hospitalisation due to accident.

• Value added Covers

– Donor Expenses

We will reimburse Medical expenses incurred towards donor in case of major organ transplant, for the harvesting of the organ provided that:

The Organ donor is any person in accordance with the Transplantation of Human Organs Act 1994 (amended) and other applicable laws and rules,

The Organ donated is for the use of the Insured Person.

Coverage under this section excludes Pre-Post hospitalisation expenses, donor screening, cost of organ or any other medical treatment for the donor consequent on the harvesting.

– Hospital Cash: We will pay for Daily Hospital Cash Allowance of `1000 per day from day 4 to day 10 provided hospitalisation exceeds 3 days continuously.

– Ambulance Charges: Reimbursement upto `1500 will be provided for expenses incurred towards transportation by ambulance to the Hospital/Nursing Home for treatment of the disease/illness/injury necessitating admission to Hospital/ Nursing Home.

– Recovery benefit: We will pay a lump sum amount of `10,000 in case hospitalisation exceeds 10 continuous days.

– Expenses on accompanying person: We will pay `500/- per day for maximum period of 7 days towards expenses of accompanying person for the treatment of Insured in Hospital/Nursing home exceeding 3 days.

• Other Features

– Two year policy option allows you to renew you policy at the end of 24 months v/s the traditional 12 months

– FREE Health Check up after every two consecutive renewals once you are above 45 years at the time of the 2nd renewal

– Pre-Existing Diseases: Medical expenses arising out of your pre-existing diseases are covered from the 3rd year of your Policy, after you have been continuously insured with us for 24 months

– Instant Policy issuance and no medical test if you are below 45 years at the time of policy issuance with no adverse medical history.

– Lifetime renewal of Policy

What is the HDFC General Insurance Advantage?

state-of-the-art, ‘technologically-driven’ company that has the calibre and expertise to provide world-class customer servicee.

Our rigorous innovative and unique product benefits coupled with seamless customer support is what will give you the HDFC Insurance Advantage:

• Claims Service Assurance* – Cashless decision within 6 business hours (where the request is received between 9 am to 9 pm on working days) and Reimbursement claim settlement within 6 working days. During non-working hours decision will be in a maximum of 8 hours.

• Concierge service* – Available on request in select cities, to personally assist you during the cashless procedure between 9 am to 9 pm on working days, when there is a claim.

• Personal Case manager* – Available at your option to meet you with prior appointment to explain the benefits and clarify your doubts on the Policy.

• 24x7 claims assistance

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

What are the value added benefits available of my:health Medisure Prime?

Your my:health Medisure Prime offers you a host of value added benefits:

• Family Floater Option: You can cover up to 4 members of your family – your lawful spouse & 2 dependent children up to the age of 18 years under a single policy and single sum insured.

• Family Discount: If you choose to opt for Individual Sum Insured for each of your family members under a single policy instead of a Family Floater option, you are eligible to get a Family Discount of 10% on the total premium payable for covering more than 2 members which include yourself, spouse, dependent children and dependant parents. 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).

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

For over 7 decades, across industries, the HDFC Group practised and perfected incisive solutions and its precise delivery. We are a

• Free-Look Period: 15 days from date of receipt of Policy documents, you have the option to cancel the Policy if you are not satisfied with the coverage, terms of the Policy, provided there is no claim. A minimum premium towards medical test charges, stamp duty and proportionate risk premium will be retained by us (If Policy has already commenced). Refund will not be applicable if you have made a claim against the Policy during that period.

Who all can be covered under my:health Medisure Prime and what is the age limit for different family members?

• Entry age for you (the proposer) is 18 years and you can opt for this policy up to the age of 65 years

• Renewal of the Policy is for your lifetime

• Children above the age of 3 months and adults below the age of 65 years can be covered in this policy

• Children up to the age of 18 years can be covered only if one or both parents are covered

• If you are above the age of 45, your policy issuance is subject to Pre-acceptance medical tests and subsequent approval by us

What are the Medical Test Requirements?

All Individuals up to 45 years (age as on last birthday as at Policy inception) have to fill a declaration on the Proposal Form. If any medical adversity exists, only then will you be required to undergo appropriate medical tests.

The age group 46-65 years (age as on last birthday as at Policy inception) will be required to undergo the following pre-acceptance medical tests

Scenarios

Age* group 46 - 55 years Medical Examination Report, Electrocardiogram, Serum Triglycerides,Fasting Blood Sugar, Serum Creatinine, Urinalysis, SGOT & SGPT.

Age* group 56 - 65 years Medical Examination Report, Electrocardiogram, Complete Blood Count,Lipid Profile, Fasting & Post Prandial Blood Sugar, Serum Creatinine,

Urinalysis, SGOT, SGPT and GGT.

Medical Tests Requirement

*Age as on last birthday as at Policy inception date to be considered.

Medical tests will be conducted at our list of diagnostic centers and 100% cost for the same will be borne by us. Based on the evidence from the above reports the Company may call for additional reports on a case to case basis to determine the acceptance of a Proposal. 50% Cost (On our pre agreed rates with the network provider) of any additional test shall be borne by the Insurer for accepted proposals.

Medical Underwriting

Proposers above 45 years of age and those having medical history are subject to Medical Underwriting by the Company. We reserve the right to accept such proposals on standard terms/Decline/Accept with exclusion or Premium loading (up to maximum of 100% on basic Premium). These loadings are applied from Commencement Date of the Policy including subsequent renewal(s) with us.

What is the range of Sum Insured under my:health Medisure Prime?

`3 lac to `10 lacs in multiples of 1 lakh.

What does my:health Medisure Prime not cover?

• All pre-existing diseases/illness/injury/conditions as defined in the Policy, until 24 months of continuous covers have elapsed since inception of the first Policy with us.

• 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.

• All expenses along with their complications on treatment towards Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Knee Replacement Surgery (other than caused by an accident), 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 anomoly, Fistula in anus, Piles, 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, 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/Hypoglycemic 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.

• 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 us. 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.

• Any Domiciliary Hospitalisation/Treatment.

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

• Genetic disorder and stem cell implantation/surgery.

• 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.

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

• 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 or for new born baby up to 90 days, issue of medical certificates and examinations as to suitability for employment or travel.

• 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.

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

• Instrument used in treatment of Sleep Apnea 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.

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

• Treatment for developmental problems including learning difficulties eg. Dyslexia, behavioural problems including Attention Deficit Hyperactivity Disorder (ADHD).

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

• 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.

• 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.

• 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.

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

• 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.

• Any stay in Hospital 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.

• 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”).

• 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.

• 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.

• Costs of donor screening.

• Any form of Non-Allopathic treatment, Naturopathy, Hydrotherapy, Ayurvedic, Homeopathy, Acupuncture, Reflexology, Chiropractic treatment or any other form of indigenous system of medicine.

• 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.

• 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.

• 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.

• 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.

• 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 hospitalised, 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.

• Service charges levied by the hospital, except registration/admission charges.

What is the cancellation procedure for my:health Medisure Prime?

In case you wish to cancel the Policy, 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 scale 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

For two year policies we will retain 15% of the premium for the balance period.

Eg. 2 Year Policy issued for 730 days.

Cancellation request received on day 395(1 year and 1 month).

The amount refunded will be calculated as follows:

The amount to be refunded will be 15% less than the pro-rata premium for the balance period. 2 year premium `1000. Utilised period 395 days, unutilised period 335. Pro-rata premium for unutilised premium will be `458.9

Refund amount shall be `458.9-15% i.e (`458.9 – `68.83) = `390

No refund will be done if you have reported a claim under the policy.

What are the renewal terms of my:health Medisure Prime?

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 benefits and others. 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 in 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.

If you are above the age of 70 years, there is a 25% 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.

In case of floater Policies, where dependent child crosses age 18 years, renewal can be done in a separate Policy under the same Product or any other available Products with continuity benefits.

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 this Policy in accordance to IRDA guidelines issued on Portability from time to time. You may approach another insurer at least 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 are the Zones classified for premium calculation?

For the purpose of premium calculation, there are 3 major Zones classified on the basis of your location:

Zone I (All India Cover): Mumbai, Thane, Navi Mumbai, Delhi and NCR Regions

Zone II: Chennai, Hyderabad, Bangalore, Pune, Kolkata and Gujarat Regions

Zone III: Rest of India (other than Zone I and Zone II locations)

• Zone I premium gives you an All-India cover. i.e., you can avail treatment all over India without any co-payment

• Zone II premium allows you to avail treatment in Zone II and Zone III locations without any sub-limits. But if you have to avail treatment in a Zone I city, you will have to bear a 10% co-payment on each and every claim

• Zone III premium allows you to avail treatment only in Zone III locations without sub-limits. In case you have to avail treatment in a Zone II location, you will have to bear a 10% co-payment on each and every claim. And if you have to avail treatment in a Zone I location, you will have to bear a 20% co-payment on each and every claim

You have a choice to opt for Zone I (All India Cover) even if you belong to a Zone II or III by paying the premium applicable under Zone I.

To find out which Zone you belong to please visit us at www.hdfcgi.com / call us at 1800 209 5846 / visit our nearest office or contact your insurance agent.

What is the premium payable for my:health Medisure Prime?

The Premium will be based on the age of the senior most member in the Policy, Zone of cover, total number of persons you wish to cover, the policy tenure and Sum Insured you opt for. Please refer the rating chart attached.

Please visit us at www.hdfcgi.com to buy online or call us at 1800 209 5846 / visit our nearest office or contact your insurance agent.

How do I get my:health Medisure Prime Policy?

For person below 45 years with a clean medical history, all you need to do is fill in the necessary details in the Proposal Form and hand it over along with your premium payment instrument to your Insurance Advisor or at any of our offices. You will be given an Instant Policy Kit. All proposals above 45 years or for proposals below 45 years of age with an adverse medical/claim history will have to undergo a pre-enrolment medical test.

What is the process to lodge a Claim under my:health Medisure Prime?

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

• You will need to contact us at the contact numbers provided on your health card immediately

• You need to submit a Cashless Request form to us, along with all information and documents pertaining to the illness as required

• Our representative will guide you further and help you process the request and 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. (Our network of hospitals as well as documentation for cashless claims is available in detail on www.hdfcgi.com)

Our Claims settlement procedure is quick and transparent. For any kind of support or information, please call our helpline 1800 209 5846 or write to us at [email protected] . Undue delay in intimation of claim or submission of documents may prejudice a claim.

Third Party Administrator

TPA appointed by us for processing of Claims however ultimate responsibility of Acceptance or rejection of a Claim lies with us only.

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 information provided here includes only the salient features of my:health Medisure Prime.

For more details please call us Toll Free on 1800 209 5846 or call a branch in your city on the numbers given below.

Alternatively, to get a ‘Quick-Quote’ you can log on to www.hdfcgi.com, or leave your name and number if you want us to contact you.

Reach us at the touch points below

Toll - free No.:1800 209 5846

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 209 5846 | 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/FY16-17/011.

Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess

Zone 1: Delhi, NCR, Mumbai, Thane, Navi MumbaiINDIVIDUAL

01

Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 SI 700000 SI 800000 SI 900000 SI 1000000

3m-25 5,681 7,226 8,771 10,263 11,699 12,868 13,898 14,593

26-35 6,855 8,730 10,608 12,411 14,148 15,563 16,807 17,648

36-40 8,028 10,236 12,443 14,559 16,597 18,256 19,717 20,702

41-45 9,331 11,759 14,188 16,599 18,922 20,815 22,480 23,604

46-50 13,950 17,261 20,572 24,070 27,439 30,183 32,598 34,228

51-55 17,863 22,277 26,693 31,231 35,603 39,163 42,296 44,411

56-60 22,933 28,672 34,411 40,261 45,898 50,487 54,526 57,252

61-65 33,889 42,719 51,547 60,311 68,754 75,630 81,680 85,765

66-70 48,457 61,701 74,945 87,685 99,962 109,958 118,755 124,693

71-75 64,109 81,767 99,425 116,328 132,614 145,877 157,546 165,423

76-80 95,413 121,900 148,387 173,615 197,920 217,712 235,129 246,886

81-85 118,890 152,000 185,109 216,578 246,899 271,589 293,316 307,981

Above 85 142,367 182,099 221,830 259,542 295,877 325,467 351,503 369,078

Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, GujaratAge\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 SI 700000 SI 800000 SI 900000 SI 1000000

3m-25 5,183 6,587 7,992 9,351 10,660 11,725 12,664 13,297

26-35 6,250 7,956 9,661 11,303 12,886 14,174 15,308 16,075

36-40 7,317 9,324 11,331 13,256 15,112 16,624 17,954 18,851

41-45 8,548 10,756 12,963 15,166 17,290 19,019 20,541 21,567

46-50 12,884 15,893 18,904 22,117 25,213 27,735 29,953 31,451

51-55 16,440 20,454 24,468 28,627 32,635 35,897 38,769 40,708

56-60 21,083 26,301 31,519 36,876 42,038 46,243 49,943 52,439

61-65 31,043 39,070 47,097 55,103 62,818 69,099 74,627 78,359

66-70 44,188 56,228 68,268 79,875 91,057 100,161 108,174 113,585

71-75 58,418 74,471 90,523 105,912 120,741 132,815 143,440 150,613

76-80 86,875 110,955 135,034 157,991 180,110 198,120 213,970 224,669

81-85 108,218 138,318 168,417 197,049 224,635 247,100 266,866 280,210

Above 85 129,562 165,681 201,801 236,106 269,162 296,078 319,765 335,753

Zone 3: Rest of IndiaAge\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 SI 700000 SI 800000 SI 900000 SI 1000000

3m-25 4,933 6,269 7,603 8,895 10,141 11,154 12,047 12,648

26-35 5,948 7,568 9,189 10,750 12,255 13,481 14,559 15,287

36-40 6,961 8,868 10,774 12,605 14,371 15,808 17,072 17,926

41-45 8,157 10,254 12,351 14,451 16,474 18,121 19,570 20,550

46-50 12,350 15,209 18,069 21,140 24,099 26,510 28,630 30,062

51-55 15,728 19,542 23,354 27,324 31,150 34,266 37,006 38,856

56-60 20,159 25,115 30,071 35,183 40,109 44,120 47,649 50,032

61-65 29,621 37,246 44,871 52,498 59,850 65,834 71,101 74,656

66-70 42,054 53,492 64,931 75,968 86,604 95,264 102,886 108,030

71-75 55,572 70,823 86,073 100,706 114,803 126,284 136,387 143,207

76-80 82,606 105,483 128,359 150,179 171,204 188,324 203,390 213,560

81-85 102,883 131,477 160,072 187,284 213,504 234,854 253,643 266,325

Above 85 123,159 157,473 191,786 224,389 255,803 281,385 303,895 319,090

Premium Chart of my:health Medisure Prime 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


Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai2 ADULTS

02


3m-25 8,237 10,477 12,718 14,881 16,963 18,660 20,152 21,161

26-35 9,939 12,660 15,381 17,995 20,514 22,566 24,370 25,589

36-40 11,640 14,842 18,042 21,111 24,064 26,472 28,589 30,018

41-45 13,530 17,049 20,572 24,069 27,437 30,182 32,596 34,225

46-50 20,926 25,892 30,859 36,104 41,159 45,274 48,896 51,342

51-55 26,795 33,417 40,039 46,846 53,405 58,746 63,444 66,616

56-60 34,400 43,007 51,618 60,392 68,847 75,731 81,790 85,879

61-65 50,835 64,079 77,321 90,466 103,131 113,445 122,520 128,647

66-70 72,687 92,552 112,419 131,527 149,943 164,937 178,132 187,039

71-75 96,165 122,651 149,139 174,493 198,923 218,815 236,318 248,134

76-80 143,120 182,850 222,583 260,422 296,879 326,569 352,694 370,328

81-85 178,336 228,000 277,665 324,868 370,350 407,383 439,974 461,972

Above 85 213,551 273,150 332,746 389,314 443,818 488,199 527,255 553,617


3m-25 7,516 9,552 11,590 13,558 15,456 17,001 18,363 19,281

26-35 9,063 11,536 14,009 16,390 18,684 20,554 22,198 23,308

36-40 10,610 13,520 16,430 19,221 21,912 24,104 26,033 27,333

41-45 12,395 15,596 18,795 21,992 25,072 27,577 29,783 31,272

46-50 19,326 23,839 28,356 33,176 37,819 41,602 44,929 47,178

51-55 24,660 30,681 36,702 42,941 48,952 53,846 58,153 61,062

56-60 31,625 39,451 47,277 55,314 63,058 69,364 74,914 78,659

61-65 46,565 58,605 70,646 82,655 94,226 103,648 111,941 117,538

66-70 66,284 84,342 102,403 119,811 136,586 150,243 162,263 170,377

71-75 87,627 111,706 135,785 158,869 181,112 199,222 215,159 225,918

76-80 130,314 166,434 202,552 236,986 270,165 297,179 320,956 337,002

81-85 162,328 207,478 252,626 295,574 336,953 370,650 400,301 420,316

Above 85 194,344 248,523 302,702 354,159 403,744 444,117 479,647 503,630


3m-25 7,154 9,090 11,024 12,898 14,704 16,173 17,467 18,341

26-35 8,624 10,973 13,324 15,588 17,771 19,548 21,111 22,166

36-40 10,094 12,858 15,623 18,277 20,837 22,922 24,753 25,991

41-45 11,828 14,869 17,909 20,954 23,886 26,275 28,377 29,796

46-50 18,525 22,814 27,103 31,711 36,149 39,765 42,946 45,094

51-55 23,594 29,314 35,031 40,986 46,726 51,398 55,509 58,284

56-60 30,238 37,673 45,108 52,775 60,163 66,180 71,474 75,048

61-65 44,431 55,870 67,306 78,749 89,775 98,752 106,652 111,984

66-70 63,082 80,239 97,396 113,952 129,906 142,895 154,329 162,045

71-75 83,358 106,235 129,109 151,058 172,205 189,426 204,580 214,809

76-80 123,911 158,224 192,538 225,267 256,806 282,486 305,086 320,340

81-85 154,325 197,215 240,108 280,927 320,257 352,282 380,465 399,488

Above 85 184,739 236,210 287,678 336,584 383,706 422,076 455,844 478,636




GENERAL INSURANCE


Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai2 ADULTS AND 1 CHILD

03


3m-25 9,373 11,922 14,473 16,934 19,303 21,233 22,931 24,080

26-35 11,312 14,406 17,503 20,478 23,343 25,678 27,733 29,119

36-40 13,247 16,890 20,531 24,022 27,385 30,124 32,533 34,158

41-45 15,396 19,401 23,409 27,389 31,222 34,344 37,093 38,946

46-50 23,716 29,345 34,973 40,918 46,646 51,311 55,416 58,187

51-55 30,367 37,871 45,378 53,092 60,524 66,578 71,903 75,498

56-60 38,986 48,742 58,499 68,444 78,026 85,828 92,695 97,330

61-65 57,612 72,622 87,631 102,529 116,881 128,572 138,856 145,800

66-70 82,378 104,892 127,408 149,065 169,934 186,929 201,884 211,977

71-75 108,986 139,004 169,023 197,759 225,444 247,989 267,827 281,219

76-80 162,203 207,230 252,259 295,144 336,464 370,111 399,719 419,705

81-85 202,114 258,400 314,687 368,183 419,730 461,701 498,637 523,568

Above 85 242,025 309,569 377,111 441,222 502,993 553,293 597,556 627,432


3m-25 8,552 10,869 13,188 15,428 17,588 19,346 20,896 21,941

26-35 10,313 13,127 15,941 18,651 21,261 23,389 25,260 26,524

36-40 12,074 15,385 18,695 21,873 24,935 27,429 29,624 31,104

41-45 14,104 17,746 21,389 25,024 28,529 31,381 33,892 35,586

46-50 21,902 27,018 32,137 37,598 42,862 47,148 50,920 53,467

51-55 27,949 34,771 41,594 48,666 55,480 61,026 65,907 69,204

56-60 35,841 44,710 53,581 62,689 71,466 78,613 84,902 89,145

61-65 52,773 66,420 80,065 93,675 106,791 117,468 126,865 133,210

66-70 75,122 95,588 116,057 135,786 154,797 170,275 183,898 193,093

71-75 99,311 126,600 153,890 180,052 205,259 225,785 243,847 256,041

76-80 147,688 188,624 229,559 268,584 306,186 336,804 363,749 381,937

81-85 183,971 235,142 286,310 334,983 381,881 420,068 453,674 476,358

Above 85 220,256 281,659 343,061 401,381 457,575 503,332 543,599 570,779


3m-25 8,141 10,343 12,544 14,678 16,732 18,403 19,876 20,870

26-35 9,814 12,488 15,162 17,737 20,221 22,245 24,022 25,223

36-40 11,485 14,632 17,778 20,798 23,710 26,083 28,168 29,577

41-45 13,458 16,920 20,379 23,844 27,181 29,898 32,292 33,906

46-50 20,994 25,856 30,716 35,939 40,968 45,067 48,671 51,106

51-55 26,739 33,222 39,702 46,450 52,956 58,251 62,909 66,056

56-60 34,269 42,695 51,121 59,811 68,184 75,004 81,004 85,054

61-65 50,355 63,319 76,281 89,248 101,744 111,918 120,872 126,916

66-70 71,492 90,938 110,382 129,145 147,228 161,949 174,906 183,650

71-75 94,472 120,399 146,324 171,199 195,165 214,682 231,858 243,451

76-80 140,431 179,321 218,209 255,304 291,046 320,151 345,764 363,051

81-85 174,900 223,512 272,122 318,383 362,957 399,252 431,193 452,753

Above 85 209,371 267,704 326,036 381,462 434,867 478,353 516,623 542,454




GENERAL INSURANCE


Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai2 ADULTS AND 2 CHILDREN

04


3m-25 10,510 13,368 16,227 18,986 21,643 23,808 25,710 26,999

26-35 12,682 16,152 19,623 22,960 26,173 28,791 31,094 32,648

36-40 14,852 18,937 23,019 26,934 30,704 33,774 36,475 38,299

41-45 17,262 21,753 26,247 30,708 35,006 38,508 41,589 43,666

46-50 26,506 32,797 39,087 45,732 52,134 57,347 61,936 65,033

51-55 33,940 42,328 50,716 59,338 67,645 74,411 80,362 84,380

56-60 43,573 54,477 65,382 76,497 87,206 95,926 103,600 108,781

61-65 64,389 81,166 97,941 114,591 130,632 143,697 155,192 162,953

66-70 92,069 117,232 142,397 166,602 189,927 208,920 225,635 236,915

71-75 121,807 155,358 188,909 221,024 251,967 277,165 299,336 314,303

76-80 181,285 231,610 281,937 329,868 376,048 413,654 446,745 469,083

81-85 225,893 288,801 351,709 411,499 469,109 516,019 557,300 585,165

Above 85 270,499 345,988 421,478 493,131 562,168 618,386 667,857 701,247


3m-25 9,589 12,187 14,786 17,298 19,720 21,692 23,428 24,601

26-35 11,563 14,718 17,873 20,912 23,838 26,223 28,321 29,738

36-40 13,538 17,250 20,962 24,524 27,958 30,753 33,214 34,874

41-45 15,814 19,899 23,981 28,058 31,987 35,185 37,999 39,899

46-50 24,479 30,196 35,917 42,022 47,905 52,696 56,910 59,758

51-55 31,236 38,862 46,487 54,392 62,005 68,206 73,661 77,345

56-60 40,058 49,971 59,884 70,063 79,874 87,861 94,890 99,633

61-65 58,982 74,234 89,485 104,696 119,354 131,288 141,792 148,882

66-70 83,959 106,834 129,711 151,761 173,009 190,307 205,532 215,810

71-75 110,993 141,493 171,994 201,234 229,407 252,348 272,535 286,162

76-80 165,064 210,816 256,565 300,182 342,208 376,427 406,544 426,870

81-85 205,615 262,805 319,993 374,393 426,808 469,489 507,046 532,399

Above 85 246,169 314,796 383,421 448,602 511,408 562,548 607,552 637,931


3m-25 9,128 11,596 14,065 16,457 18,760 20,635 22,286 23,400

26-35 11,004 14,001 16,999 19,889 22,672 24,942 26,934 28,281

36-40 12,878 16,405 19,933 23,319 26,585 29,244 31,582 33,161

41-45 15,090 18,970 22,850 26,734 30,477 33,523 36,205 38,017

46-50 23,465 28,897 34,331 40,167 45,788 50,369 54,398 57,118

51-55 29,884 37,130 44,373 51,916 59,185 65,104 70,311 73,827

56-60 38,300 47,718 57,136 66,849 76,205 83,828 90,533 95,060

61-65 56,279 70,768 85,254 99,748 113,714 125,085 135,091 141,845

66-70 79,903 101,636 123,367 144,339 164,547 181,001 195,483 205,257

71-75 105,586 134,564 163,538 191,341 218,126 239,939 259,134 272,091

76-80 156,953 200,418 243,881 285,339 325,287 357,815 386,441 405,764

81-85 195,477 249,807 304,137 355,840 405,657 446,223 481,921 506,017

Above 85 234,003 299,199 364,392 426,339 486,026 534,630 577,401 606,272




GENERAL INSURANCE


Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai1 ADULT AND 1 CHILD

05


3m-25 6,818 8,671 10,525 12,316 14,039 15,443 16,677 17,512

26-35 8,226 10,477 12,729 14,893 16,977 18,676 20,169 21,177

36-40 9,633 12,283 14,932 17,471 19,916 21,908 23,660 24,842

41-45 11,197 14,111 17,025 19,919 22,706 24,978 26,976 28,324

46-50 16,740 20,714 24,687 28,883 32,927 36,219 39,117 41,073

51-55 21,436 26,733 32,031 37,476 42,724 46,996 50,755 53,293

56-60 27,520 34,406 41,294 48,314 55,077 60,584 65,431 68,703

61-65 40,668 51,263 61,857 72,373 82,504 90,755 98,016 102,918

66-70 58,149 74,042 89,935 105,223 119,954 131,950 142,505 149,631

71-75 76,930 98,121 119,310 139,594 159,137 175,052 189,054 198,507

76-80 114,496 146,280 178,066 208,338 237,503 261,254 282,155 296,263

81-85 142,669 182,400 222,131 259,894 296,280 325,907 351,978 369,578

Above 85 170,842 218,518 266,196 311,451 355,054 390,560 421,804 442,892


3m-25 6,219 7,905 9,591 11,221 12,792 14,070 15,196 15,957

26-35 7,500 9,547 11,593 13,564 15,463 17,009 18,370 19,290

36-40 8,782 11,190 13,597 15,907 18,134 19,948 21,545 22,620

41-45 10,258 12,907 15,555 18,200 20,748 22,823 24,648 25,881

46-50 15,461 19,072 22,685 26,539 30,256 33,281 35,943 37,741

51-55 19,728 24,544 29,361 34,353 39,162 43,077 46,522 48,849

56-60 25,300 31,561 37,821 44,251 50,446 55,491 59,931 62,927

61-65 37,252 46,884 56,516 66,124 75,381 82,919 89,553 94,031

66-70 53,026 67,474 81,923 95,849 109,268 120,193 129,810 136,301

71-75 70,101 89,364 108,628 127,096 144,888 159,378 172,127 180,734

76-80 104,251 133,147 162,041 189,589 216,131 237,744 256,764 269,602

81-85 129,862 165,981 202,101 236,458 269,562 296,519 320,241 336,252

Above 85 155,475 198,818 242,161 283,328 322,995 355,293 383,717 402,903


3m-25 5,920 7,522 9,123 10,674 12,169 13,385 14,456 15,178

26-35 7,137 9,081 11,026 12,901 14,707 16,178 17,471 18,345

36-40 8,354 10,641 12,930 15,126 17,244 18,969 20,486 21,510

41-45 9,789 12,305 14,821 17,341 19,769 21,744 23,485 24,659

46-50 14,820 18,251 21,682 25,369 28,919 31,811 34,357 36,074

51-55 18,874 23,450 28,025 32,789 37,379 41,118 44,407 46,627

56-60 24,190 30,138 36,085 42,220 48,130 52,943 57,180 60,038

61-65 35,544 44,696 53,845 62,998 71,820 79,001 85,321 89,588

66-70 50,466 64,191 77,916 91,162 103,926 114,317 123,463 129,636

71-75 66,686 84,987 103,287 120,846 137,765 151,540 163,663 171,847

76-80 99,128 126,580 154,030 180,214 205,445 225,989 244,068 256,272

81-85 123,459 157,773 192,087 224,741 256,205 281,825 304,371 319,590

Above 85 147,791 188,968 230,142 269,266 306,965 337,661 364,675 382,908




GENERAL INSURANCE


Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai1 ADULT AND 2 CHILDREN

06


3m-25 7,954 10,115 12,280 14,368 16,378 18,016 19,457 20,431

26-35 9,596 12,224 14,851 17,375 19,807 21,788 23,530 24,706

36-40 11,239 14,330 17,420 20,383 23,235 25,559 27,604 28,983

41-45 13,064 16,462 19,863 23,239 26,491 29,141 31,472 33,046

46-50 19,530 24,166 28,802 33,698 38,415 42,256 45,637 47,918

51-55 25,008 31,189 37,369 43,723 49,844 54,829 59,214 62,174

56-60 32,107 40,140 48,176 56,366 64,256 70,683 76,337 80,154

61-65 47,445 59,807 72,167 84,435 96,255 105,882 114,351 120,070

66-70 67,840 86,381 104,924 122,759 139,946 153,941 166,257 174,568

71-75 89,752 114,475 139,196 162,860 185,660 204,227 220,563 231,592

76-80 133,578 170,660 207,743 243,061 277,088 304,797 329,181 345,640

81-85 166,446 212,800 259,153 303,210 345,659 380,225 410,642 431,174

Above 85 199,315 254,939 310,562 363,359 414,229 455,653 492,105 516,709


3m-25 7,257 9,222 11,190 13,091 14,924 16,415 17,730 18,616

26-35 8,750 11,138 13,525 15,825 18,040 19,845 21,433 22,505

36-40 10,244 13,054 15,863 18,559 21,157 23,272 25,136 26,391

41-45 11,967 15,058 18,149 21,232 24,207 26,626 28,756 30,194

46-50 18,037 22,250 26,465 30,964 35,298 38,828 41,934 44,033

51-55 23,016 28,635 34,254 40,077 45,689 50,256 54,277 56,990

56-60 29,516 36,820 44,126 51,626 58,853 64,739 69,919 73,415

61-65 43,461 54,699 65,937 77,144 87,945 96,738 104,477 109,702

66-70 61,864 78,720 95,576 111,824 127,479 140,226 151,445 159,019

71-75 81,784 104,259 126,732 148,278 169,038 185,941 200,815 210,858

76-80 121,626 155,337 189,047 221,187 252,154 277,367 299,558 314,537

81-85 151,506 193,646 235,785 275,869 314,490 345,940 373,613 392,294

Above 85 181,387 231,954 282,522 330,549 376,828 414,510 447,670 470,055


3m-25 6,907 8,775 10,643 12,453 14,197 15,615 16,865 17,709

26-35 8,327 10,595 12,864 15,051 17,158 18,874 20,383 21,401

36-40 9,745 12,414 15,084 17,647 20,118 22,131 23,901 25,095

41-45 11,419 14,357 17,291 20,230 23,063 25,369 27,399 28,769

46-50 17,290 21,292 25,297 29,596 33,739 37,114 40,082 42,086

51-55 22,021 27,358 32,696 38,253 43,610 47,971 51,808 54,399

56-60 28,222 35,161 42,100 49,257 56,152 61,768 66,709 70,044

61-65 41,469 52,144 62,819 73,497 83,788 92,168 99,542 104,517

66-70 58,877 74,889 90,902 106,356 121,245 133,369 144,040 151,242

71-75 77,800 99,152 120,501 140,988 160,725 176,798 190,941 200,489

76-80 115,650 147,676 179,701 210,250 239,685 263,654 284,746 298,984

81-85 144,036 184,068 224,101 262,198 298,906 328,795 355,101 372,855

Above 85 172,423 220,462 268,500 314,145 358,125 393,938 425,454 446,726




GENERAL INSURANCE

Toll - free No.:1800 209 5846

Email:

[email protected]

Website:www.hdfcgi.com

Reach us at the touch points below

07

my:health Medisure Prime Insurance UIN No. IRDA/NL-HLT/L&TGI/P-H/V.I/250/13-14HDFC 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/FY16-17/011.

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