Insurance Covers on HDFC Bank Debit Card

Please note, claims under Personal Accidental Death Insurance to be accepted and processed, the Cardholder should have carried out at least 1 transaction (POS / PG) using their Debit Card in last 90 days.

Personal Accidental Death Cover (Rs) Platinum Debit Card (Classic / Preferred / Imperia / Platinum / Vishesh)/Moneyback Times Points Debit Card / Millennia Debit Card GIGA Business Debit Card/ Business Debit Card Rewards Debit Card / Gold Debit Card / Womans Debit Card Criteria
Free Accidental Base Cover (Airline/Rail / Road) Rs. 5 Lakhs Rs. 5 Lakhs Rs. 5 Lakhs Rs. 5 Lakhs One shopping transaction (POS/ PG) in last 90 days
(For Airline: Only valid on domestic air tickets purchased using HDFC Bank Debit Card)
Accelerated Insurance Cover (Airline/ Rail / Road Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.10 Lakhs basis Spend Criterion. Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.5 Lakhs basis Spend Criterion Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.5 Lakhs basis Spend Criterion NA Last twelve month Spends based criterion
Accidental Air Insurance Cover (International Travel*) Rs. 3 Crore Rs. 1 Crore Rs. 1 Crore Rs. 25 lakh Valid on International Air Tickets purchased using HDFC Bank Debit Card*

* For International travel outside India.

Important: Claim Process

In order to claim the Personal Accident Death Cover, the claimant (nominee of the customer’s account / legal heir) should submit the below mentioned documents within 1 month of Cardholder’s death, at any nearest HDFC Bank branch.

  • Claim form/ Request letter from the nominee of the account/ legal heir
  • Death summary from the hospital. (if card holder admitted to hospital)
  • Postmortem Report
  • Death Certificate issued by municipal authorities.
  • Final police inspection report.
  • Bank Statement, 1 year prior to date of loss (1 year in case of platinum & 6 months in case of gold cards)
  • Nominee details of the cardholder
  • Indemnity Bond on the stamp paper.
  • Relationship proof of nominee with the cardholder.
  • KYC documents for card holder and nominee both(Photo ID & address proof)
  • NEFT details of the nominee.

 

The branch would guide further on the process to be followed.

*Terms & Conditions as per Cardholder’s agreement applicable