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Ensure your family’s health with my: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 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!
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.
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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).
• 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
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ICU Rent/Boarding & Nursing
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Fees of Surgeon, Anaesthetist, Nurses and Specialists
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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.
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• 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)
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Kidney Failure (requiring regular dialysis)
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Multiple Sclerosis with persisting symptoms
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Primary Pulmonary Arterial Hypertension
b) Undergoing for the first time of the following surgical procedures –
Major Organ/Bone marrow Transplant
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Aorta Graft Surgery
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Open Chest CABG
c) Occurrence for the first time of the following medical events –
First Heart Attack (of specific severity)
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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.
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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.
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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.
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New born baby will be covered for a period of 90 days from date of birth within the maternity limits.
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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.
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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.
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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.
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Recovery benefit: We will pay a lump sum amount of `10,000 in case hospitalisation exceeds 10 continuous days.
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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
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FREE Health Check up after every two consecutive renewals once you are above 45 years at the time of the 2nd renewal
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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
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Instant Policy issuance and no medical test if you are below 45 years at the time of policy issuance with no adverse medical history.
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Lifetime renewal of Policy
What is the HDFC General Insurance Advantage? For over 7 decades, across industries, the HDFC Group practised and perfected incisive solutions and its precise delivery. We are a state-of-the-art, ‘technologically-driven’ company that has the calibre and expertise to provide world-classe.customer service 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.
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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
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Renewal of the Policy is for your lifetime
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Children above the age of 3 months and adults below the age of 65 years can be covered in this policy
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Children up to the age of 18 years can be covered only if one or both parents are covered
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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
Medical Tests Requirement
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.
*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.
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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.
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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.
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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.
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Any Domiciliary Hospitalisation/Treatment.
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Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder or due to an accident.
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Genetic disorder and stem cell implantation/surgery.
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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.
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Birth control procedures, hormone replacement therapy and voluntary termination of pregnancy during the first 12 weeks from the date of conception.
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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.
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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.
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Vitamins and tonics unless forming part of treatment for disease, illness or injury and prescribed by a Medical Practitioner.
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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.
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Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or restoration of the previous state of health.
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Treatment for developmental problems including learning difficulties eg. Dyslexia, behavioural problems including Attention Deficit Hyperactivity Disorder (ADHD).
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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).
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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.
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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.
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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.
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Any treatment received in convalescent homes, convalescent hospitals, health hydros, nature cure clinics or similar establishments.
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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.
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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.
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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”).
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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.
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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.
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Costs of donor screening.
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Any form of Non-Allopathic treatment, Naturopathy, Hydrotherapy, Ayurvedic, Homeopathy, Acupuncture, Reflexology, Chiropractic treatment or any other form of indigenous system of medicine.
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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.
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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.
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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.
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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.
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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.
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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 myhealthclaim@ hdfcgi.com . 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: care@ hdfcgi.com 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.146 Registered & 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.
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
Premium Chart of my:health Medisure Prime Insurance.
Premium is payable in advance on or before inception of the Policy.
INDIVIDUAL Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai 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
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 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 India Age\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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess 01
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
2 ADULTS Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai Age\Sum Insured SI 300000 SI 400000 SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 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
SI 400000
SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 3: Rest of India Age\Sum Insured SI 300000 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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess
02
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
2 ADULTS AND 1 CHILD Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai Age\Sum Insured SI 300000 SI 400000 SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
SI 400000
SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 3: Rest of India Age\Sum Insured SI 300000 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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess
03
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
2 ADULTS AND 2 CHILDREN Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai Age\Sum Insured SI 300000 SI 400000 SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 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
SI 400000
SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 3: Rest of India Age\Sum Insured SI 300000 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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess
04
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
1 ADULT AND 1 CHILD Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai Age\Sum Insured SI 300000 SI 400000 SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 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
SI 400000
SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 3: Rest of India Age\Sum Insured SI 300000 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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess
05
HDFC General Insurance Limited (Formerly L&T General Insurance Company Limited)
GENERAL INSURANCE
An HDFC ERGO Company
1 ADULT AND 2 CHILDREN Zone 1: Delhi, NCR, Mumbai, Thane, Navi Mumbai Age\Sum Insured SI 300000 SI 400000 SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
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
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 2: Bangalore, Kolkata, Chennai, Hyderabad, Pune, Gujarat Age\Sum Insured SI 300000 SI 400000 SI 500000 SI 600000 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
SI 400000
SI 500000
SI 600000
SI 700000
SI 800000
SI 900000
SI 1000000
Zone 3: Rest of India Age\Sum Insured SI 300000 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
Rates are inclusive of 14% Service Tax, 0.5% Swachh Bharat Cess & 0.5% Krishi Kalyan Cess
06
Reach us at the touch points below Toll - free No.: 1800 209 5846 Email:
[email protected] Website: www.hdfcgi.com
my:health Medisure Prime Insurance UIN No. IRDA/NL-HLT/L&TGI/P-H/V.I/250/13-14 HDFC General Insurance Limited. CIN : U66030MH2007PLC177117. IRDAI Reg No.146 Registered & 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.
07
