g~go ~‹S>m gM

Xo \$m`Xo gmo _M!

n[aM¶

Am°pßQ>_m {gŠ`moa dfm] Ho$ {dídmg H$m àVrH$ h¡1.5 H$amo‹S> go A{YH$ J«mhH$m| Zo h_ ^amogm OVm`m h¡.

O~ Amn Hw$N> _m§JVo h¢ Am¡a ~Xbo _| ~hþV Hw$N> nmVo h¢ Vmo Bggo ~{T>`m ~mV Am¡aŠ`m hmo gH$Vr hmoJr, h¡ Zm? Bgr{bE, EMS>rE\$gr EJm} AmnHo$ {bE bm`m h¡hoëW B§í`moa|g ßbmZ Omo AmnH$mo XoVm h¡ gmo _M _moa (~hþV Hw$N>) \$m`Xo,

{OgH$s AmnZo H$ënZm ^r Zht H$s hmoJr!

ZB© EMS>rE\$gr EJm} Am°pßQ>_m {gŠ`moa àXmZ H$aVr h¡ 4 JwZm H$daoO,{~Zm A{V[aº$ bmJV Ho$, {Oggo hoëW B§í`moa|g go AmnH$mo {_bZo dmbo _yë` H$mo

{_bVr h¡ ZB© n[a^mfm. o Z {g\©$ AmnHo$ dV©_mZ H$mo gwa{jV H$aVm h¡,~pëH$ AmnHo$ ^{dî` H$mo ^r gwa{jV H$aVm h¡.

gmo _MH$daoO

gmo _M{dH$ën

gmo _M{dídmg

gmo _MAm¡a ^r...

nm°{bgr {OgH$s Vah Am¡a H$moB© Zht

{gŠ`moa ~o{Z{\$Q> Am°pßQ>_m {gŠ`moa H$m AnZr Vah H$m nhbm bm^ h¡ Omo Amn Ûmam IarXo JE B§í`moa|g H$da H$mo Vwa§V Am¡a Am°Q>mo_¡{Q>H$

VarHo$ go XþJwZm H$a XoVm h¡. BgH$m AW© h¡ {H$ AmnH$mo {XZ 1 go hr 2 JwZm H$daoO {_bVm h¡, Am¡a Bgo {~Zm A{V[aº$ bmJV Ho$ {H«$`merb

H$aZo `m BgH$m Xmdm H$aZo H$s Oê$aV Zht hmoVr.

2X{gŠ`moa ~o{Z{\$Q>2 JwZm H$daoO {XZ 1 go

nmBE gmo _M H$daoO* Jma§Q>r Ho$ gmW ^^

ßbg ~o{Z{\$Q> Am°pßQ>_m {gŠ`moa H$m AnZr Vah H$m nhbm EH$ Am¡a bm^ h¡. Bg bm^ Ho$ gmW, AnZo {bE Amn Omo ~og H$da MwZVo h¢,

dh 1 df© ~mX 50% Am¡a 2 df© ~mX 100% VH$ AnZo Amn~‹T>Vm h¡, {H$gr ^r Xmdo Ho$ ~mdOyX. Bg bm^ Ho$ gmW, AmnH$mo

Zmo Šbo_ ~moZg nyar Vah go A{O©V H$aZo `m Xmdo Ho$ _m_bo _| KQ>m hþAm ~moZg nmZo H$s qMVm Zht H$aZr h¡.

ßbg ~o{Z{\$Q>2 df© ~mX H$daoO _| 100% d¥{Õ

nmBE gmo _M H$daoO* Jma§Q>r Ho$ gmW ^^

Am°pßQ>_m {gŠ`moa Ho$ [añQ>moa ~o{Z{\$Q> Ho$ gmW, df© Ho$ Xm¡amZ{H$gr ^r g_` `{X H$moB© Xmdm, Am§{eH$ `m nyU© ê$n go {H$`m OmVm h¡Vmo nm°{bgr H$da _| 100% ~og H$da AnZo Amn [añQ>moa hmoVm h¡,

{~Zm {H$gr A{V[aº$ bmJV Ho$!

[añQ>moa ~o{Z{\$Q>100% [añQ>moa H$daoO

nmBE gmo _M H$daoO* Jma§Q>r Ho$ gmW ^^

Am°pßQ>_m {gŠ`moa Ho$ Cnamoº$ g^r \$m`XoMwZo JE H$da H$s VwbZm _| 4 JwZm H$daoO XoVo h¢.

nmBE gmo _M H$daoO* Jma§Q>r Ho$ gmW ^^

Xþ m©½` go AñnVmb _| Xm{Ib hmoZo Ho$ _m_bo _|, Am°pßQ>_m {gŠ`moa H$m àmoQ>oŠQ> ~o{Z{\$Q> H§$Á y_o~ëg Ho$ ^wJVmZ H$s

Jma§Q>r XoVm h¡, Omo XñVmZm|, _mñH$, Zo~wbmBOa {H$Q²>g O¡gogyMr~Õ Zm°Z-_o{S>H$b IMm] H$mo em{_b H$aVm h¡.

o {~ëQ>-BZ h¡ Am¡a {~Zm {H$gr A{V[aº$ ewëH$ Ho$ CnbãY h¡.

àmoQ>oŠQ> ~o{Z{\$Q>Zm°Z-_o{S>H$b IMm] na eyÝ` H$Q>m¡Vr

IntroductionAmBE XoI| Am°pßQ>_m {gŠ`moa H¡$go H$m_ H$aVm h¡

40lakhs

Covered

non-medicalexpenses

20L

5L

25L

5L

30L

After1 year

After2 years

[X„r Ho$ EH$ 35 dfu` {ddm{hV ì`dgm`r lr e_m© AnZo n[adma Ho$ {bE 10 bmI Ho$ ~og H$da H$s Am°pßQ>_m {gŠ`moa nm°{bgr IarXVo h¢. do BgHo$ {bE é.24,279/-▲ H$m àr{_`_ AXm H$aVo h¢.

4

10+10=20

Lakhs

3

2

1

▲é.24,279/- àr{_`_ H$a g{hV h¡ Am¡a 35 VWm 30 df© dmbo 2 n[adma Ho$ gXñ` H$s \¡${_br âbmoQ>a nm°{bgr Ho$ {bE h¡. D$na {XIm`m J`màr{_`_ Am°pßQ>_m {gŠ`moa ßbmZ {Q>`a 1 ({X„r, EZgrAma, _w§~B©, R>mUo, _w§~B© CnZJa Am¡a Zdr _w§~B©, gyaV, Ah_Xm~mX Am¡a d‹S>moXam)Ho$ {bE h¡ {Og_| H$a em{_b h¢.

gQ>rH$ àr{_`_ H$s JUZm H$aZo Ho$ {bE H¥$n`m www.hdfcergo.com na {d{OQ> H$a|.

{gŠ`moa ~o{Z{\$Q>{gŠ`moa ~o{Z{\$Q> CZHo$ 10 bmI Ho$ ~og H$da H$mo Vwa§V 20 bmI ~Zm XoVm h¡, {~Zm {H$gr A{V[aº$ bmJV Ho$.

[añQ>moa ~o{Z{\$Q>{H$gr ^r g_` lr e_m© Am§{eH$ ê$n go `m Hw$b 10 bmI ~og H$da H$m Xmdm H$aVo h¢ Vmo dh 100% [añQ>moa hmo OmVm h¡, {Oggo dh 30+10=40 bmI hmo OmVm h¡.

àmoQ>o³Q> ~o{Z{’$Q> AñnVmb Xm{Ibo Ho$ Xm¡amZ, CZHo$ Zm°Z-_o{S>H$b IM© Hw$b {~b H$s am{e Ho$ Omo 10-20% VH$ Ow‹S>Vo h¢ CÝh| ^r àmoQ>oŠQ> ~o{Z{\$Q> Ûma H$da {H$`m OmVm h¡.

ßbg ~o{Z{\$Q>O~ do 1 df© Ho$ {bE ßbmZ H$mo [aÝ`y H$aVo h¢ Vmoßbg ~o{Z{\$Q> CZHo$ 10 bmI Ho$ ~og H$da H$mo 50% VH$ ~‹T>m XoVm h¡ Am¡a 2ao df© _| 100% VH$ ~‹T>m XoVm h¡, {Oggo dh H«$_e: 15 bmI Am¡a 20 bmI hmo OmVm h¡. ßbg ~o{Z{\$Q> Am¡a {gŠ`moa ~o{Z{\$Q> {_bH$a Hw$b H$daoO H$mo 30 bmI ~Zm XoVo h¢.

2 df© ~mX 4 JwZm H$daoO

10 bmI H$m ~og H$da dmñVd _| 40 bmI hmo OmZo Ho$ gmW,lr e_m© H$mo 2 df© ~mX 4 JwZm H$daoO {_bVm h¡.

4 JwZm H$daoO

4X

{H$gr nm°{bgr df© _| nhbo Xmdo H$s am{e é.25,000 H$m M`Z H$aVo hþE lr e_m© H$mo AnZo àr{_`_ na 25% {S>ñH$mC§Q> {_bVm h¡, {Oggo dh KQ>H$a é.18,210 hmo OmVm h¡.

BZ g^r Ho$ gmW, lr e_m© H$mo VH$ar~Z 10 hOma H¡$ebog AñnVmbm| Ho$ ZoQ>dH©$ VH$ nhþ§M àmá hmoVr h¡ + 95%● Xmdm| H$m {ZamH$aU.

Introductiongmo _M Á`mXm H$daoO

AñnVmb Xm{Ibo go 60 Am¡a 180 {XZ nhbo Am¡a ~mX H$mo H$da {H$`m J`m h¡gm_mÝ` ê$n go 30 Am¡a 90 {XZ Ho$ ~Om`, Am°pßQ>_m [gŠ`moa AñnVmb Xm{Ibo go 60 {XZ Am¡a 180 {XZ nhbo Am¡a ~mX Ho$ _o{S>H$b IMm] H$mo H$da H$aVm h¡.

`o Om±Mm|, IarXr JB© Xdm Am¡a AÝ` _o{S>H$b IMm] H$mo H$da H$aVo h¢ {OÝh| lr e_m© Zo BZ D$na d{U©V {XZm| _| IM© {H$E h¢.

hmo_ hoëWHo$`a`h nm°{bgr Ka _| ahH$a àmá {H$E JE CnMma H$mo Am¡a ZH$X a{hV AmYma na ha {H$gr H$s gw{dYm Ho$ AZwgma H$da H$aVr h¡.

Bgr{bE, lr e_m© Ho$ Ka _| Eogo CnMma Ho$ Xm¡amZ, {OgHo$ {bE gm_mÝ` pñW{V _| AñnVmb Xm{Ibo H$s Oê$aV hmoVr, CZHo$ g^r _o{S>H$b IMm] H$mo BgHo$ Ûmam H$da {H$`m J`m h¡ {Og_| S>m°ŠQ>a H$s {d{OQ>|, Z{gªJ IM© BË`m{X em{_b h¢.

eo S>© ê$_ Ho$ {bE S>obr H¡$eBgHo$ gmW, AñnVmb Xm{Ibo na Oo~ go hþE IM© H$mo é.800 à{V {XZ H$m S>obr H¡$e àXmZ {H$`m OmVm h¡ Omo A{YH$V_ é.4,800 VH$ hmoVm h¡, O~ Amn {H$gr ZoQ>dH©$ hm°pñnQ>b _| eo`S>© AH$mo_moS>oeZ Am¡a AñnVmb Xm{Ibo H$s Ad{Y 48 K§Q>o go A{YH$ hmoVr h¡.

Bg_| em{_b h¡ lr e_m© Am¡a CZHo$ XoI^mbH$Vm© Ûmam `mÌm, ^moOZ, {Zdmg BË`m{X na hþE g^r IM©, Omo Xmdo Ho$ g_` IM© {H$E JE h¢.

~r_m am{e (é. _|) 5L 10L 15L

1,500 2,000 4,000 5,000

15,0002,500 5,000 8,000 10,000

8,000

20L, 25LAm¡a 50L

100LAm¡a 200L

d¡`{º$H$ nm°{bgr(à{V ~r{_V)

âbmoQ>a nm°{bgr(à{V nm°{bgr)

gmo _M Á`mXm H$daoO

ajmË_H$ ñdmñÏ` Om±MXmdm pñW{V Ho$ ~mdOyX, AmnH$mo ha nm°{bgr df© H$s nyU©Vm Ho$ ~mX ajmË_H$ ñdmñÏ` Om±M Ho$ \$m`Xo àXmZ {H$E OmE§Jo.

lr e_m© {H$gr ^r ~r{_V ì`{º$ (~ƒm| g{hV) Ho$ {bE ZrMo {H$E JE dU©Z Ho$ AZwgma Cn-gr_m VH$ AnZr ng§X Ho$ narjUm| H$m M`Z H$a gH$Vo h¢.

B©-Amo{n{Z`Z^maV _| ZoQ>dH©$ àXmVm Ho$ _mÜ`_ go 51 {H«${Q>H$b amoJm| na B©-Amo{nZ`Z nmBE.

Bgr{bE, `{X lr e_m© nm°{bgr _o| gyMr~Õ {H$gr ^r amoJ Ho$ {bE Q>obrH§$gëQ>oeÝg `mAm°ZbmBZ H§$gëQ>oeÝg H$m M`Z H$aVo h¢ Vmo {H$E JE IM© nm°{bgr Ûmam H$da hmoVo h¢.

AñnVmb Xm{Ibo Ho$ IM©AñnVmb Xm{Ibo Ho$ g_` {H$E JE _o{S>H$b IMm] H$mo H$da H$aVm h¡ {Og_| H$_ao H$m {H$am`m, AmB©gr y IM©, Z{gªJ Ho$ IM©, gO©Z H$s \$sg, amoS> E§~wb|g ewëH$ Am¡a AÝ` IMm] H$m g_mdoe h¡. o g^r S>o Ho$`a CnMmam| H$mo ^r H$da H$aVm h¡ {OZHo$ {bE 24 K§Q>o go H$_ g_` Ho$ {bE AñnVmb _| Xm{Ibo H$s Oê$aV nS>Vr h¡.

Am`wf CnMmaAm°pßQ>_m {gŠ`moa Am wd}X, `moJ Am¡a ZoMamonWr, yZmZr, {gÕm Am¡a hmo{_`monWr O¡gr d¡H$pënH$ CnMma nÕ{V`m| Ho$ {bE {H$E JE IMm] H$mo ^r H$da H$aVm h¡.

25,000 25%

40%

50%

15%

30%

40%

50,000

100,000

H$Q>m¡Vr `mo½` am{e _yb ~r_m am[e20 bmI VH$

_yb ~r_m am{e20 bmI go A{YH$

Hw$b H$Q>m¡Vr `mo½` am{e`m±

Amn H$moB© ^r H$Q>m¡Vr `mo½` am{e MwZ gH$Vo h¢ Am¡a AnZo àr{_`_ na 50% VH$ {S>ñH$mC§Q> H$m AmZ§X bo gH$Vo h¢.{ZåZ{b{IV {S>ñH$mC§Q> nm°{bgr àr{_`_ na bmJy hm|Jo:

gmo _M Á`mXm H$daoO

gmo _M {dH$ën

S>mo{_{g{b`ar AñnVmb Xm{IbmS>mo{_{g{b`ar AñnVmb Xm{Ibo Hoo$ Xm¡amZ g^r _o{S>H$b IMm] H$mo gwa{jV H$a|.

B_aO|gr E`a E§~wb|g`h nm°{bgr AmnmËH$mbrZ Oê$aVm| Hoo$ Xm¡amZ E`a E§~wb|g n[adhZ godmAm| Ho$ {bE nm°{bgr ^wJVmZ H$aVr h¡.

d¡ë y ~m``h {dH$ën {H$gr ^r nm°{bgr df© _o| {H$E JE Xmdm| Ho$ {bE ewéAmVr H$Q>m¡Vr `mo½` am{e H$m ^wJVmZ H$aZm H$m {dH$ën MwZVo hþE AmnHo$ àr{_`_m| na {S>ñH$mC§Q> XoVm h¡.

A§J XmVm Ho$ IM©XmZ {H$E JE A§J H$mo {ZH$mbZo Ho$ {bE A§J XmVm Ho$ BZ-noe|Q> CnMma Ho$ {bE _o{S>H$b IMm] hoVw nwZ^w©JVmZ nmBE.

_m`:hoëW {H«${Q>H$b BbZog (EoS>-Am°Z)Am°pßQ>_m {gŠ`moa é.100,000 go é. 200,000 VH$ H$s ~r_m am{e Ho$ {dH$ënm| Ho$ gmW Am¡a é. 100,000 Ho$ JwUH$m| _| 51 {H«${Q>H$b amoJm| Ho$ {bE ì`mnH$ H$daoO H$aVm h¡.

bm° bQ>r {S>ñH$mC§Q>BgHo$ gmW, Amn _yb àr{_`_ na 2.5% H$m {S>ñH$mC§Q> nmZoo Hoo$ {bE nmÌ hm|Jo ~eV} AmnHo$ nmg é.2000 go A{YH$ àr{_`_ Ho$ gmW g{H«$` [aQ>ob B§í`moa|g nm°{bgr hmo.

XrK© H$m{bH$ {S>ñH$mC§Q>`{X nm°{bgr Ad{Y EH$ df© go A{YH$ H$s h¡ Vmo nm°{bgr H$mo 2 df© Am¡a 3 df© H$s Ad{Y Ho$ {bE IarXZo na Amn H«$_e: 7.5% Am¡a 10% H$m {S>ñH$mC§Q> nmZo Ho$ {bE nmÌ hm|Jo.

\¡${_br {S>ñH$mC§Q>d¡ {º$H$ nm°{bgr {dH$ën Ho$ A§VJ©V Cgr nm°{bgr Ho$ VhV `{X Xmo `m A{YH$ n[adma Ho$ gXñ` H$da {H$E OmVo h§ Vmo 10% H$m {S>ñH$mC§Q> nmBE.

_m`:hoëW hm°pñnQ>b H¡ e ~o{Z{\$Q> (EoS>-Am°Z)nmBE é.500/é.1000/é.1500/é.2000/é.2500/é.3000/é.5000/é.7500 H$s ~r_m am{e Ho$ {dH$ën AmnH$s Oo~ go hþE IMm] H$mo H$da H$aZo Ho$ {bE é. 10,000.

Bgr{bE, `{X lr e_m© nm°{bgr df© _| AnZo Xmdm| na nhbo é.25,000 AXm H$aZo Hoo$ {bE gh_V hmoVo h¢ Vmo CÝh| AnZo B§í`moa|g àr{_`_ na 25% H$m {S>ñH$mC§Q> {_bVm h¡. BgH$m AW© h¡ {H$ CZH$m é.24,279 H$m àr{_`_ KQ>H$a {g\©$ é.18,210 hmo OmVm h¡!

EoS>-Am°Z H$dg©

{S>ñH$mC§Q²>g

gmo _M {dH$ën

ì`mnH$ H$daoO H$m {dH$ën

Introduction

AGE

gmo _M {dH$ën

H$daoOé. 5 bmI go 2 H$amo‹S> VH$ _yb H$daoO H$s ì`mnH$ a|O Ho$ ~rM MwZ|AnZr ng§X

Ad{YAmn AnZr gw{dYm Ho$ AZwgma 1 go 3 df© Ho$ ~rM H$s nm°{bgr Ad{Y H$m M`Z H$a gH$Vo h¢.

{Q>ßnUr: d`ñH$m| _| ñd §, OrdZgmWr, _mVm-{nVm Am¡a gmg-ggwa hmo gH$Vo h¢.

Am`w gr_mÝ yZV_ Am w - EH$ Am{lV ~ƒo (Omo àmH¥${VH$ h¡ `m H$mZyZZ XÎmH$ {b`m J`m h¡)

Ho$ {bE Ý yZV_ àdoe Am w 91 {XZ h¡ Am¡a A{YH$V_ àdoe Am w 25 df© h¡.

A{YH$V_ Am w - A{YH$V_ àdoe Am`w 65 df© h¡. Bg nm°{bgr _| H$da g_m{á H$s H$moB© A{YH$V_ Am w Zht h¡.

nm°{bgr Ho$ {dH$ën\¡${_br âbmoQ>a - EH$ ~r_m am{e dmbr EH$b nm°{bgr _| A{YH$V_ 4 d`ñH$mo Am¡a

A{YH$V_ 6 ~ƒm| H$m em{_b {H$`m Om gH$Vm h¡.

d¡ {º$H$ nm°{bgr - d¡`{º$H$ ê$n go AbJ AbJ ~r_m am{e dmbr EH$b nm°{bgr _| A{YH$V_ 6 d`ñH$m| Am¡a A{YH$V_ 6 ~ƒm| H$m em{_b {H$`m Om gH$Vm h¡.

1MINUTE

Xmdo H$s g§»`m

1cm Xmdm 3,00,000 3,00,000 _yb (Am§{eH$)

_yb (eof)+ßbg+{gŠ`moa+Am°Q>mo_¡{Q>H$ [añQ>moa

(Am§{eH$)Am°Q>mo_¡{Q>H$ [añQ>moa

(Am§{eH$)

5,00,000

2,00,000

2,50,000

2,50,000

5,00,000 0

5,00,000 3,00,000 12,50,000

2,00,000 2,00,000

14,00,000

3,00,000

2am Xmdm

3am Xmdm

Xmdm am{e _yb~r_m am{e

ßbg~o{Z{\$Q>

{gŠ`moa~o{Z{\$Q>

[añQ>moa~o{Z{\$Q>

Xm{Ib H$aZo`mo½` Xmdm am{e

~r_m am{e H$m Cn`moJ

- - -

Am°pßQ>_m {gŠ`moa ßbmZ Omar Xÿgao nm°{bgr df© Ho$ {bE

EH$ nm°{bgr df© _| EH$b Xmdm _yb ~r_m am{e, ßbg ~o{Z{\$Q> (`{X bmJy hmo) Am¡a {gŠ`moa ~o{Z{\$Q> Ho$ Hw$b `moJ go A{YH$ Zht hmo gH$Vm.

~r_m am{e Cn`moJ H$m CXmhaU

gmo _M {dídmg

erK« Q>Z©AamC§S> Q>mB_erK« Q>Z©AamC§S> Q>mB_ àXmZ H$aVm h¡, {Oggo nyd©-àm{YH$aU H$s éH$mdQ>| KQ> OmVr h¢.

bmIm| bmoJm| H$m {dídmg1.5+ H$amo‹S> Iwehmb J«mhH$m| H$m {dídmg @

Xmdm {ZnQ>mamé. 7,500+H$amo‹S> Ho$ Xmdm| H$m {ZnQ>mam #

erK« Xmdm {ZnQ>mamha {_ZQ> 1 Xmdm {ZnQ>mam hmoVm h¡^

J«mhH$ godm24x7 H$m°b g|Q>a g[d©qgJ 10 ^mfmAm| _|

erK« Xmdm wJVmZha àm_m{UH$ Xmdo H$m AmXa H$aZo Ho$ {bE erK« Xmdm {ZnQ>mam.

ZoQ>dH©$ hm°pñnQ>ëgVH$ar~Z 10,000 H¡$ebog ZoQ>dH©$ hm°pñnQ>ëg **

_yb ~r_m am{e Ho$ 100% VH$

~r_m am{e VH$

Xmdo H$s pñW{V Ho$ ~mdOyX, EH$ nm°{bgr df© _| _yb ~r_m am{e _| 50% ~‹T>moVar, A{YH$V_ 100% VH$

{H$gr ^r amoJ {H$gr ^r ~r{_V ì`{º$ Ho$ {bE _yb ~r_m am{e Ho$ 100% VH$

amoS>: ~r_m am{e VH$ EAa: 500,000 VH$

800 à{V {XZ (A{YH$V_ 4,800 VH$)

EH$ ~ma à{V ~r{_V ì`{º$ (51 {Z{X©ï> à_wI amoJm| Ho$ {bE)

5/10/15/20/25/50/100/200

50 bmI go H$_ ~r_m am{e : qgJb Egr àm`doQ> ê$_ VH$50 bmI Am¡a A{YH$ H$s ~r_m am{e : g^r àH$ma Ho$ H$_ao H$dS>©

~r_m am{e VH$

Am°pßQ>_m {gŠ`moaßbmZ H$m Zm_

\$m`Xm| H$s AZwgyMr (g^r gr_mE± é. _| h¢)

Introductiongmo _M {dídmg

_yb ~r_m am{e (bmI _|)

H$_ao H$m {H$am`m

AñnVmb Xm{Ibo Ho$ IM©

Am wf CnMma

hmo_ hoëWHo$`a

A§J XmVm IM©

AñnVmb Xm{Ibo go nyd© (60 {XZ)

AñnVmb Xm{Ibo Ho$ ~mX (180 {XZ)

{gŠ`moa ~o{Z{\$Q>

àmoQ>oŠQ> ~o{Z{\$Q>

ßbg ~o{Z{\$Q>

[añQ>moa ~o{Z{\$Q>

B_aO|gr E§~wb|g

eo S>© {Zdmg H$m M`Z H$aZo Ho$ {bES>obr H¡$e{H«${Q>H$b BbZog Ho$ {bEB©-Amo{n{Z`Z

gmo _M _moa

H$a ~MVAm`H$a H$mZyZ H$s Ymam 80S>r Ho$ A§VJ©V Am`H$a bm^ nmBE °

H$moB© Xmdm-AmYm[aV bmoqS>J ZhtH$moB© [aÝ`yAb àr{_`_ H$s bmoqS>J Zht {g\©$ Bgr{bE {H$ AmnZo BgH$m Xmdm {H$`m h¡ `m nm°{bgr boZo Ho$ ~mX ~r_ma n‹S> JE.

H$moB© ^m¡Jmo{bH$ AmYma na gh-^wJVmZ ZhtBgHo$ gmW, ^maV ^a _| {~Zm {H$gr gh-^wJVmZ Ho$ {H$gr ^r eha _| Am¡a H$ht go ^r nm°{bgr IarXZo Ho$ ~mdOyX BbmO H$admBE.

ZH$Xa{hV boZ XoZVH$ar~Z 10,000 H¡$ebog ZoQ>dH©$ AñnVmbm| _| H¡$ebog AmYma na CnMma nmBE.

AmOrdZ [aÝ yAbAnZm B§í`moa|g H$da OrdZ ^a Ho$ {bE [aÝ`y H$admE±.

AmOrdZ [aÝ yAb - AmnH$s ñdmñÏ` pñW{V `m AmnH$s nm°{bgr Ho$ A§VJ©V {nN>bo Xmdm| Ho$ ~mdOyX nmBE AmOrdZ [aÝ`yAb VH$ nhþ±M, Omo ~r{_V ì`{º$ Ûmam YmoImY‹S>r `m JbV àñVw{VH$aU N>mo‹S>H$a h¡.

àVrjm Ad{Y - nm°{bgr eãXmdbr _| d{U©V àVrjm Ad{Y`m± AmnH$s nm°{bgr Ho$ ha {Za§Va [aÝ`yAb na 1 df© go KQ>|Jr.

[aÝ yAb àr{_`_ - `o AmB©AmaS>rEAmB© H$s nyd© ñdrH¥${V Ho$ gmW ~Xbmd Ho$ AYrZ h¢. bm^m| `m àr{_`_ (Am`w _| hmoZodmbo ~Xbmd Ho$ Abmdm) _| H$moB© ^r ~Xbmd B§í`moa|g aoJwboQ>ar E§S> S>odbn_|Q> AWm°[aQ>r H$s ñdrH¥${V Ho$ gmW {H$`m OmEJm Am¡a CgHo$ ~mao _| H$_ go H$_ 3 _mh nhbo gy{MV {H$`m OmEJm.

nm°{bgr dmng boZm - ^{dî` _| nm°{bgr Ho$ dmng {bE OmZo H$s g§^mdZm H$mo XoIVo hþE, nm°{bgr H$s g_m{á go 3 _hrZo nhbo CgH$m ~mao _| ~r{_V ì`{º$ H$mo gy{MV {H$`m OmEJm. ~r{_V ì`{º$ Ho$ nmg g^r Cnm{O©V {Za§VaVm bm^m|, àVrjm Ad{Y H$s _m\$s BË`m{X Ho$ gmW [aÝ`yAb Ho$ g_` CnbãY g_mZ j{Vny{V© hoëW B§í`moa|g nm°{bgr na ñWmZm§V[aV hmoZo H$m {dH$ën hmoJm; ~eV} nm°{bgr H$mo {~Zm éH$mdQ> Ho$ AmB©AmaS>rEAmB© Ûmam Omar nmoQ>}{~{bQ>r/ _mBJ«oeZ {Xem{ZX}em| Ho$ AZwgma H$m`_ aIm Om`.

_mBJ«oeZ - ~r{_V ì`{º$ Ho$ nmg A§S>aamBqQ>J Ho$ AYrZ g^r Cnm{O©V {Za§VaVm bm^m|, àVrjm Ad{Y H$s _m\$s BË`m{X Ho$ gmW [aÝ`yAb Ho$ g_` CnbãY g_mZ j{Vny{V© hoëW B§í`moa|g nm°{bgr na ñWmZm§V[aV hmoZo H$m {dH$ën hmoJm; ~eV} nm°{bgr H$mo {~Zm éH$mdQ> Ho$ AmB©AmaS>rEAmB© Ûmam Omar nmoQ>}{~{bQ>r/_mBJ«oeZ {Xem{ZX}em| Ho$ AZwgma H$m`_ aIm OmE.

nmoQ>©o{~{bQ>r - `h ßbmZ AmnH$mo AmgmZ nmoQ>}{~{bQ>r àXmZ H$aVm h¡. Bgr{bE, `{X Amn {H$gr AÝ` ~r_mH$Vm© H$s hoëW B§í`moao§g nm°{bgr Ho$ VhV ~r{_V h¢ Vmo Amn AnZo g^r Cnm{O©V bm^m| Ho$ gmW [aÝ`yAb Ho$ g_` na EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> _| A§V[aV H$a gH$Vo h¢ Omo àVrjm Ad{X`m| Ho$ {bE {Z`V AZw_{V`m| Ho$ ~mX A§S>aamBqQ>J Ho$ AYrZ h¢ Am¡a gmo _M (~hwV gmao ) H$daoO H$m AmZ§X b|.

[aÝ`yAb H$s eV]

_mZ AndO©ZOm±M Am¡a _yë`m§H$Z Ho$ à`moOZ & _moQ>mnm {Z §ÌU & H$m°ñ_o{Q>H$ gO©ar & IVaZmH$ Iob & H$mZyZ H$m C„§KZ & eam~, S>J `m Zerbo nXmW© H$s bV & Aà_m{UV CnMma & Znw§gH$Vm Am¡a d§Ü`Ëd & _mV¥Ëd

àVrjm Ad{Y`m±30 {XZ H$s Ama§{^H$ àVrjm Ad{Y & {d{eï> amoJm| Am¡a g{O©H$b à{H«$`mAm| na 24 _hrZo H$s àVrjm Ad{Y & nyd©-{dÚ_mZ amoJm| na 36 _hrZo H$s àVrjm Ad{Y.

g§nyU© gyMr Ho$ {bE H¥$n`m nm°{bgr H$s eãXmd{b`m± n‹T>|.

Introduction_mZH$ AndO©Z Am¡a àVrjm Ad{Y`m±

Vmo, nmBE gmo _M (~hþV gmao) \$m`XoAnZo Am°pßQ>_m {gŠ`moa Ho$ gmW, AmO hr!

~r_m H$mZyZ 1938 H$s Ymam 41 ([a`m`Vm| H$s {Z{fX²YVm)…

1. {H$gr ^r ì`pŠV H$mo {H$gr AÝ` ì`pŠV H$mo ^maV _| AmOrdZ `m g§n{Îm Ho$ g§~§Y _| {H$gr ^r àH$ma Ho$ Omo{I_ Ho$ g§X^© _| H$moB© ~r_m ZdrZrH¥$V H$admZo `m Omar aIZo Ho$ {bE Xo H$_reZ na g§nyU© `m Am§{eH$ [a`m`V `m nm°{bgr na Xem©E àr{_`_ na {H$gr [a`m`V Ho$ {bE àË`j `m namoj ê$n go àbmo^Z XoZo H$s AZw_{V `m àbmo^Z Zht XoZm Mm{hE, Am¡a Z hr H$moB© nm°{bgr boZo `m ZdrZrH$aU H$admZo dmbo {H$gr ì`pŠV H$mo H$moB© [a`m`V ñdrH$ma H$aZr Mm{hE, {Og_| dh [a`m`V AndmX h¡ Omo ~r_mH$Vm© Ho$ àH$m{eV àm°ñnoŠQ²>g `m Vm{bH$mAm| Ho$ AZwgma AZw_V hmo gH$Vr h¡.

2. Bg Ymam Ho$ àmdYmZm| H$m Cëb§KZ H$aZo dmbmH$moB© ^r ì`pŠV Ow_m©Zo Ho$ gmW X§S>Zr` hmoJmOmo Xg bmI ê$nE VH$ hmo gH$Vm h¡.

{Z`_ d eV] bmJy. *4* H$daoO `mZr _yb ~r_m am{e+ ßbg ~o{Z{\$Q> (2 nm°{bgr dfm] ~mX) + {gŠ`moa ~o{Z{\$Q> + Am°Q>mo_¡{Q>H$ [añQ>moa ~o{Z{\$Q>. Xmdm| Ho$ ~mdOyX, ßbg ~o{Z{\$Q> Ho$ A§VJ©V `mZr ~r_m am{e à{V df© _yb ~r_m am{e Ho$ 50% VH$ ~‹T>Vr h¡ Omo A{YH$V_ 100% VH$ h¡. EH$ nm°{bgr df© _| EH$b Xmdm _yb ~r_m am{e, ßbg ~o{Z{\$Q> (`{X bmJy hmo) Am¡a {gŠ`moa ~o{Z{\$Q> (`{X bmJy hmo) Ho$ `moJ go A{YH$ Zht hmo gH$Vm. H¥$n`m nm°{bgr H$s eãXmdbr _| {Z{X©ï> Zm°Z _o{S>H$b IMm] H$s gyMr XoI|. Ho$db MwqZXm eham| _| Ho$db H¡$ebog AmYma na hmo_ hoëW Ho$`a CnbãY. ZoQ>dH©$ AñnVmb Ho$ eo`S>© AH$mo_moS>oeZ _| 48 K§Q>o go A{YH$ Ho$ {bE AñnVmb Xm{Ibo Ho$ _m_bo _| S>obr H¡$e. nm°{bgr Ho$ ha [aÝ yAb na ajmË_H$ ñdmñÏ` Om±M|. Ho$db ZoQ>dH©$ àXmVm Ho$ _mÜ`_ go B©-Amo{n{Z`Z CnbãY. A{V[aº$ H$da Ho$ {bE A{V[aº$ àr{_`_ {b`m OmEJm. é.20 bmI VH$ H$s ~r_m am{e Ho$ {bE 25% àr{_`_ {S>ñH$mC§Q> bmJy h¡. ^^nmBE Jma§Q>rS> {gŠ`moa, ßbg, àmoQ>oŠQ> Am¡a [añQ>moa ~o{Z{\$Q²>g. é.1 bmI go boH$a 20 bmI Ho$ ~am~a `m Cggo H$_ _yb ~r_m am{e VH$ H$s Hw$b H$Q>m¡Vr `mo½` am{e Ho$ {dH$ën H$m M`Z H$aVo hþE 50% VH$ {S>ñH$mC§Q> CnbãY. • {d.d. 2020-2021 Ho$ Xmdm| na AmYm[aV. **Ho$db ^maV Ho$ MwqZXm eham| _| CnbãY. {d.d. 2020-2021 (H$m © {XZm|) na [anmoQ>}S> Xmdm| na AmYm[aV. #Am±H$‹S>o 31 _mM© 2021 Ho$ AZwgma. @Am±H$‹S>o 30 {gV§~a 2020 Ho$ AZwgma. °H$a H$mZyZm| _| ~Xbmd Ho$ AYrZ. EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS>. AmB©AmaS>rEAmB© n§Or. H«$. 146. grAmB©EZ: U66030MH2007PLC177117. n§OrH¥$V Am¡a H$m°nm}aoQ> H$m`m©b`: 1br _§{Ob, EMS>rE\$gr hmCg, 165-166 ~¡H$~o [aŠbo_oeZ, EM.Q>r. nmaoI _mJ©, MM©JoQ>, _w§~B©- 400020. Omo{I_ H$maH$m|, {Z`_m| d eVm] na A{YH$ {ddaUm| Ho$ {bE H¥$n`m {~H«$s g§nÞ H$aZo go nhbo goëg ~«moea/àm°ñnoŠQ>g n‹T>|. D$na àX{e©V Q>oS> bmoJmo EMS>rE\$gr {b. Am¡a EJm} B§Q>aZoeZb EOr Ho$ h¢ Am¡a bmBg|g Ho$ AV§J©V H§$nZr Ûmam Cn`moJ _| bmE JE h¢. UIN: my: Optima Secure - HDFHLIP21016V012122 | my:Health Critical Illness - HDFHLIA21466V022021 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021. UID: 8821.

A{YH$ {ddaUm| Ho$ {bE, bm°J Am°Z H$a| www.hdfcergo.com `m h_| H$m°b H$a| 022 6242 6242 na.