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

in the financial sector
HDFC Bank Limited – APP HC

• Accident Protection Plan Hospital Cash- APP- HC

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

maximum of Rs. 75 Lacs

• Offers to pay a benefit up to the maximum Sum Insured in the event

of Accidental Death or Permanent Disability

• The cover provided is applicable 24 hours a day, 7 day a week, 365 /

366 days of the year

• The individual stands protected by this Personal Accident cover in

India and any other location worldwide
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 if

the insured is permanently disabled due to an accident.

– Broken Bones - Pays up to the maximum Sum Insured in the event of

bodily injury resulting in broken bones due to an accident
Accident Protection Plan - Hospital Cash

Key benefits of the plan (cont’d)

• Temporary Total Disability: Pays a weekly benefit up to maximum of

52 weeks if an accident causes disablement that prevents the insured
person from engaging in or giving attention to his/her usual
occupation.(1 week time deductible applicable)

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

• Hospital Cash: Provides a daily benefit of Rs. 1,000 up to a maximum

of 30 days in case of hospitalization due to an Accident.
 Accident Protection Plan- Hospital Cash

• Permanent Total Disability - Table of benefits

Compensation Expressed as a
The Disablement 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%
Accident Protection Plan- Hospital Cash

• 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) 100
b) All other compound fractures 50
c) Multiple fractures, at least one complete 30
d) All other fractures 20

3) Fracture of thigh or heel:

a) Multiple fractures (at least one compound & one complete) 50
b) 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 20
d) All other fractures 12

5) Fractures of Lower Jaw:

a) Multiple fractures (at least one compound & one complete) 30
b) All other compound fractures 20
c) Multiple fractures, at least one complete 16
d) All other fractures 8
Accident Protection Plan- Hospital Cash

• Broken Bones - Table of benefits (cont’d)

Fracture % of Sum Insured
6) Fractures of Shoulder Blade, Kneecap, Sternum, Hand
(excluding fingers and wrist), Foot (excluding toes and heel):
a) All compound fractures 20
b) All other fractures 10

7) Colles type fracture to the Lower Arm:

a) Compound 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) Multiple fractures, at least one complete 8
d) All other fractures 4
 Accident Protection Plan- Hospital Cash

(Premium amount in
Benefits SUM INSURED
Rs.) 15 Lacs 25 Lacs 35 Lacs 50 Lacs 75 Lacs
Accidental Death 1,500,000 2,500,000 3,500,000 5,000,000 7,500,000
Permanent Total Disability 1,500,000 2,500,000 3,500,000 5,000,000 7,500,000
Temporary Total Disability (Up to 52 weeks) 3,750 5,000 7,500 12,500 18,750
Broken Bones 50,000 50,000 50,000 50,000 50,000
Last Rites 5,000 7,500 7,500 10,000 12,000

Premium payable per annum (in rupees )

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

Add-on benefits
Hospital Cash 1,000 per day (max up to 30 days) 414 414 414 414 414
Accident Protection Plan- Hospital Cash

• 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
Accident Protection Plan- Hospital Cash

• 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)

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
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
Claims

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

• This call-center is not limited to the geographic locations of our

operations - 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 be

addressed by trained personnel and guidance will be provided

• All claims registered with HDFC Chubb shall be settled in 7 working

days from the date of receiving complete documentation
Thank you