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About us - HDFC Chubb General Insurance

Joint venture with Chubb Corporation, USA - a leading property& casualty insurer

with $ 30 Billion in assets;

5th largest global insurance company;

the 3rd most respected financial company by the Financial Times

Paid up capital at Rs 101 Crores with HDFC holding 74% &Chubb Corporation the remaining 26%

HDFC & Chubb collectively bring an experience of over a 100 years inthe financial sector

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HDFC Bank Limited APP HC

Accident Protection Plan Hospital Cash-APP- HC

Offers 5 options from a minimum coverage of Rs. 15 Lacs to amaximum of Rs. 75 Lacs

Offers to pay a benefit up to the maximum Sum Insured in the event ofAccidental Death or Permanent Disability

The cover provided is applicable 24 hours a day, 7 day a week, 365 / 366days of the year

The individual stands protected by this Personal Accident cover in Indiaand any other location worldwide

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Accident Protection Plan - Hospital Cash

Key benefits of the plan -

Accidental Death - Covers the insured in case of loss of life in an accident

up to 100 % of the Sum Insured.

Permanent Disability - Pays a benefit up to the maximum Sum Insured ifthe insured is permanently disabled due to an accident.

Broken Bones - Pays up to the maximum Sum Insured in the event ofbodily injury resulting in broken bones due to an accident

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Accident Protection Plan - Hospital Cash

Key benefits of the plan (contd)

Temporary Total Disability: Pays a weekly benefit up to maximum of 52weeks if an accident causes disablement that prevents the insured person

from engaging in or giving attention to his/her usual occupation.(1 weektime deductible applicable)

Last Rites: Pays a benefit towards the cost of the funeral of the insuredperson if an accident causes loss of life.

Hospital Cash: Provides a daily benefit of Rs. 1,000 up to a maximum of30 days in case of hospitalization due to an Accident.

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Accident Protection Plan- Hospital Cash

Permanent Total Disability - Table of benefits

The Disablement

Compensation Expressed as a

Percentage of Total Sum Insured

1) Permanent Total Disablement 100%

2) Permanent and incurable insanity 100%

3) Permanent Total Loss of two Limbs 100%

4) Permanent Total Loss of Sight in both eyes 100%5) Permanent Total Loss of Sight of one eye and one Limb 100%

6) Permanent Total Loss of Speech 100%

7) Complete removal of the lower jaw 100%

8) Permanent Total Loss of Mastication 100%

9) Permanent Total Loss of the central nervous system or the thorax and all

abdominal organs resulting in the complete inability to engage in any job and

the inability to carry out Daily Activities essential to life without full time

assistance 100%

10) Permanent Total Loss of Hearing in both ears 75%

11) Permanent Total Loss of one Limb 50%

12) Permanent Total Loss of Sight of one eye 50%

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Broken Bones - Table of benefits

Fracture % of Sum Insured

1) Fractures of the Skull:

a) Compound fracture with damage to the brain tissue 100

b) Compound fracture without damage to the brain tissue 75

c) All other fractures 50

2) Fractures of hip or pelvis (excluding thigh or coccyx):

a) Multiple fractures (at least one compound & one complete) 100b) All other compound fractures 50

c) Multiple fractures, at least one complete 30d) All other fractures 20

3) Fracture of thigh or heel:

a) Multiple fractures (at least one compound & one complete) 50b) All other compound fractures 40

c) Multiple fractures, at least one complete 30

d) All other fractures 20

4) Fracture of Lower Leg, Clavicle, Ankle, Elbow, Upper or Lower

Arm (including wrist, but excluding Colles-type fracture):a) Multiple fractures (at least one compound & one complete) 40

b) All other compound fractures 30

c) Multiple fractures, at least one complete 20d) All other fractures 12

5) Fractures of Lower Jaw:

a) Multiple fractures (at least one compound & one complete) 30

b) All other compound fractures 20c) Multiple fractures, at least one complete 16

d) All other fractures 8

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Broken Bones - Table of benefits (contd)

Fracture % of Sum Insured

6) Fractures of Shoulder Blade, Kneecap, Sternum, Hand

(excluding fingers and wrist), Foot (excluding toes and heel):

a All com ound fractures 20

b All other fractures 10

7 Colles t e fracture to the Lower Arm:

a Com ound 20

b) Other 10

8) Fractures of Spinal Column (Vertebrae but excluding coccyx):

a) All compression fractures 20

b) All spinous, transverse process or pedicle fractures 20

c) All other vertebral fractures 10

9) Fractures of Rib or Ribs, Cheekbone, Coccyx, Upper Jaw, Nose,

Toe and toes, finger or fingers:

a) Multiple fractures (at least one compound & one complete) 16

b) All other compound fractures 12

c Multi le fractures, at least one com lete 8

d All other fractures 4

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(Premium amount in Rs.)

Benefits

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Self Plan 2,695 4,345 5,995 8,470 12,595

Self & Family plan* 3,979 6,485 8,991 12,750 19,014

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Policy renewal & premium - Annual

Paymode is

Standing Instructions / Cheque / Credit Card

5% benefit on renewal - Increase in Sum Insured on renewals on the

basic Sum Insured for accidental death and permanent disability up to a

maximum of 2 years

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Negative List:

Armed Forces (Army / Navy / Air Force)

Para-military Forces (BSF, RAF, CRPF, etc)

Professional Sports Persons

Hazardous Sports (Bungee jumping, Jet-Skiing, Para-gliding, etc)

Merchant Navy

Airline Pilots

Off-shore Workers (Oil rigs / Drilling platforms)

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Recap on product

Benefits

AD (100% of Sum Insured), PTD (up to 100% of Sum Insured)

Broken Bones (up to the Sum Insured), Hospital Cash ( 1000 per day ),Last rites and Temporary Total disablement.

Annual policy with 5% additional benefit on Sum Insured at renewal

Sum Insured

5 plans - Sum Insured Rs. 15 lakh to Rs 75 lakh

Premiums ranging from Rs. 2,695 to Rs.19,014

Payment methods

Direct Debit (HDFC Bank Accounts)/ Credit Card/Cheque

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Mandatory requirements on proposal form

Name, address & contact number

Date of birth & sex

Beneficiary or nominee details

Selection of plan - Sum Insured

Payment instruction - Standing Instruction/Credit Card/Cheque

Proof of income above 25 Lakhs sum insured

Signature on proposal form - MOST IMPORTANT

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Claims

HDFC Chubb provides a call-center to address any claim related calls

This call-center is not limited to the geographic locations of ouroperations - All India coverage supported by a toll-free line

1 800 226 226

In the event of having to notify a claim, telephone calls shall beaddressed by trained personnel and guidance will be provided

All claims registered with HDFC Chubb shall be settled in 7workingdays from the date of receiving complete documentation

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Thank you

APP-HC

Documents

Transcript of APP-HC