Health & Accident Insurance

Some of the key features of HDFC Bank Accident Health Insurance are as follows: 

• Extensive coverage for you and your family at 5000 plus network hospitals. 

• Covers hospitalisation for accidents or sickness, including pre and post-hospitalisation expenses, day care procedures, domiciliary treatment, and organ donor expenses. 

• Enjoy a renewal bonus for each claim-free year. 

• Includes second opinion benefit. 

• Offers health risk assessment. 

• Sum insured enhancement available. 

Health and Accidental Policy provides financial protection against medical expenses arising from illnesses and accidents. It covers hospitalisation costs, including room rent, surgery, and medication, along with pre and post-hospitalisation expenses. Additionally, it offers benefits such as coverage for daycare procedures, ambulance charges, and sometimes even critical illness coverage. Health insurance also promotes preventive care with wellness benefits like health check-ups. Accident insurance specifically provides lump-sum payments for accidental death or disability, helping to mitigate the financial impact on individuals and families during unforeseen events. 

For Health Insurance: 

1. Government-issued ID like Aadhaar card, passport, driver’s licence, or voter ID. 

2. Utility bills, rental agreement, or bank statements. 

3. Birth certificate, passport, or driver’s license. 

4. Passport-sized photos (often 2-3). 

5. Detailed medical records, including past illnesses, surgeries, or any ongoing treatments. 

6. Salary slips, income tax returns, or bank statements to establish your financial stability and eligibility for the insurance premium. 

7. Previous policy documents (If you're transferring or renewing a policy). 

For Accident Insurance: 

1. Government-issued ID like Aadhaar card, passport, driver’s license, or voter ID. 

2. Utility bills, rental agreement, or bank statements. 

3. Passport-sized photos (often 2-3). 

4. Details of any recent accidents or injuries, including hospital records or reports if applicable. 

5. Salary slips, income tax returns, or bank statements for financial verification. 

6.  For renewals or modifications, you may need previous insurance documents. 

Additional Documents: 

1. Nominee Details: Information about the person you want to designate as your beneficiary. 

2. Bank Details: For direct debit of premiums or claims processing. 

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.