HDFC Bank Life Easy Health

You can choose from 3 separate benefits available under this policy – choose while purchasing policy

Daily Hospital Cash Benefit:

• Receive 1% and 2% of Sum Insured per day on admission into non-ICU room and ICU Room respectively
• Get the benefit for a maximum of 20 days (for non-ICU room) and 10 days (for ICU room) per year
• Get the benefit for a maximum of 60 days (for non-ICU room) and 30 days (for ICU room) during the policy term

Surgical Benefit:

Get a lump sum pay out up to 100% of the Sum Insured against 138 surgeries, based on the severity of the surgery

Critical Illness Benefit:

Get 100% of the Sum Insured if you are diagnosed with any of the 18 critical illnesses specified

Choose from 7 plan options depending upon the benefits you wish to have Make multiple claims of up to 100% of the Sum Insured under Daily Hospital Cash Benefit and Surgical Benefit

To be eligible for benefit payment under the Critical Illness option, policyholder must survive a 30-day period from the date of diagnosis

Choose to pay premium one-time or annually

Conveniently pay your premiums or renew your policy through multiple modes -- credit card, internet banking, cheque, auto debit facility

The policy term is fixed at 5 years

Choose from up to 10 options:

Option 1: ₹25,000

Option 2: ₹50,000

Option 3: ₹75,000

Option 4: ₹1 lakh

Option 5: ₹1.5 lakhs

Option 6: ₹2 lakhs

Option 7: ₹2.5 lakhs

Option 8: Rs 3,00,000

Option 9: Rs 4,00,000

Option 10: Rs 5,00,000

Enjoy a hassle-free process of buying the policy without any medical underwriting

The policy comes with:

A 60-day waiting period for Daily Hospital Cash Benefit and Surgical Benefit and 90 days for Critical Illness Benefit

A one-year and two-year waiting period for specific conditions

No waiting period will apply for hospitalisation or any specified surgery or critical illness (such as major head trauma) due to an accident

Get tax benefits under 80C of the Income Tax Act, 1961

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from Insurance (Life), whose products are being distributed:

Commission, Brokerage and trail from Life Insurance

Note: The commission varies depending upon the Product in each category, tenure, amount of premium and premium paying term *For Group Products commission payable is 5% of the premium with a ceiling on the maximum payout as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time.