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HDFC Life Easy Health Insurance Plan

HDFC Life Easy Health Insurance Plan - Health is the most important asset you have. Every aspect of your life is dependent on your good health. Due to changing lifestyles, health issues have escalated, thus imposing extra financial burden on the family. It becomes imperative therefore to have a health insurance product in place, to ensure that no matter how critical your illness, it does not impair your financial security.

Keeping the above in mind, we have developed a health insurance product and mediclaim policy for family, parents as well as individuals which will provide a lump sum amount if you are hospitalized or undergo any Surgical Procedure or are diagnosed with Critical Illness.

What is Critical Illness Insurance?

Critical illness insurance provides a lump-sum payment in-case the policyholder is diagnosed of a health related condition of a serious nature. Some of these common critical illnesses include: Heart attack, Cancer, Paralysis, Coronary artery bypass surgery, Major organ transplant (e.g. heart, lung, liver, pancreas), Stroke, Kidney Failure.

HDFC Life Easy Health Insurance Plan (Features):

  • Comprehensive, fixed benefit, health insurance plan that provides coverage against Critical Illness, Surgeries & Hospitalization.
  • Flexibility to choose between 1, 2 or all 3 benefits. Customize your health plan based on your requirement by opting any one of 7 Plan Options.
  • Lump sum payout upon diagnosis of any one of 18 Critical Illnesses.
  • Lump sum payout against 138 Surgical Procedures.
  • Daily Hospital Cash Benefit in case of hospitalization.
  • Simplified issuance process, no requirement to undergo any medicals.
  • Flexibility to pay Regular or Single premium based on your convenience.
  • Tax Benefits subject to provisions contained under Section 80D of the Income Tax Act 1961.

HDFC Life Easy Health Insurance Plan (Advantages):

  • Option to choose 1,2 or all 3 of the following benefits under this plan.
    1. Daily Hospital Cash Benefit.
    2. Surgical Benefit.
    3. Critical Illness Benefit.
    1. Daily Hospital Cash Benefit *:
      1. 1% and 2% of Sum Insured shall be payable per day in case of Hospitalization on admission into Non ICU room and ICU Room respectively.
      2. Benefit payable shall be for a maximum of 20 days (for Non ICU room) and 10 days (for ICU room) per year.
      3. Benefit payable shall be for a maximum of 60 days (for Non ICU room) and 30 days (for ICU room) during the policy term.
    2. Surgical Benefit*:
      1. Lump sum payout up to 100% of the Sum Insured against 138 surgeries, based on the severity of the surgery.
    3. Critical Illness Benefit*:
      1. 100% of the Sum Insured shall be payable in case diagnosed with any one of 18 Critical Illnesses specified.
  • Multiple claims up to 100% of the Sum Insured shall be allowed under Daily Hospital Cash Benefit and Surgical Benefit.
  • Hassle free policy issuance without any Medical Underwriting.
  • *Please read the Sales Brochure carefully for more terms and conditions.

HDFC Life Easy Health Insurance Plan (Eligibility):

Details Minimum Maximum
Entry Age 18 years 65 years
Maturity Age 23 years 70 years
Policy Term 5 years
Premium Payment Mode Onetime payment (Single premium) ; Annual (Regular Premium)
Premium Paying Frequency Single / Regular
Sum Assured Option 1 : Rs 25,000
Option 2 : Rs 50,000
Option 3 : Rs 75,000
Option 4 : Rs 1,00,000
Option 5 : Rs 1,50,000
Option 6 : Rs 2,00,000
Option 7 : Rs 2,50,000
Option 8 : Rs 3,00,000
Option 9 : Rs 4,00,000
Option 10 : Rs 5,00,000

Note: Age will be as on last birthday

Survival Period :

A 30 days survival period between the date of diagnosis of a Critical Illness and the date of eligibility for benefit payment would be applicable

Waiting Period^ :

  • 60 days waiting period shall be applicable for Daily Hospital Cash Benefit and Surgical Benefit
  • 90 days waiting period shall be applicable for Critical Illness Benefit
  • 1 year and 2 year waiting period shall be applicable for specific conditions
  • Waiting period shall not be applicable for hospitalization or any specified surgery undergone or critical illness (such as major head trauma) due to an accident

^Please read the Sales Brochure carefully for more benefits, exclusions and terms and conditions

 

HDFC Life Insurance Health Plans and Policy

Disclaimers:

Starting premiums for this plan are Rs. 24000 per year and the plan is available only on an annual mode

HDFC Life Smart Woman Plan (Form No: P501, UIN: 101L082V02). This is a unit linked non participatory product. For more details on risk factors, terms and conditions and exclusions please read the product brochure or consult financial consultant before conclusion of sale. Unit linked insurance plans are different from traditional plans and are subject to different market risks. The investment risk in the portfolio is borne by the policyholder. (hdfclife.com).

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