C Personal Accident  

Unemployment at the time of inception of the Policy Period or arising within the first
 Any person learning to operate any aircraft, or performing duties as a member of the
crew on any aircraft, or Scheduled Airlines or is engaging in aviation or ballooning,
or whilst the Insured is mounting into, or dismounting from or travelling in any
balloon or aircraft other than as a passenger (fare-paying or otherwise) in any
Scheduled Airline anywhere in the world
 Any Defence personnel
 Payment of compensation in respect of death, injury or disablement of Insured (a)
from engaging in or participation in adventure sports including but not limited to
winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving,
mountain climbing (where ropes or guides are customarily used), riding or driving in
races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or
equestrian activities, ski diving or other underwater activity, rafting or canoeing
involving white water rapids, yachting or boating outside coastal waters,
participation in any professional sports, any bodily contact sports or any other
hazardous or potentially dangerous sport for which the Insured is untrained, unless
specifically covered under the policy (b) directly or indirectly caused by venereal
disease or insanity
 Suicide or Intentional Injury leading to Death or Permanent Total Disability
 If the Insured is under influence of any Intoxicating drugs or alcohol before the
incident
D Loss of job
 Temporary suspension or retrenchment from employment of the Insured being
attributed to any dishonesty or fraud or poor performance on the part of the Insured
 Any voluntary unemployment or voluntary retirement
90 days of inception of the Policy Period Self-employed personnel
E Fire and Burglary Insurance
 Wear and tear, deterioration
 Commercial property is not covered HOME
 Residential property used for commercial purposes
 Loss or damage due to faulty workmanship, defective design or material,
atmospheric or climatic conditions, intentional acts or gross negligence
Suraksha Plus
 Loss or damage to cash and money in any form, drawings, plans, manuscripts,
items of historic or artistic or antique value, perishables, consumables, contact
lenses, dentures   Consequential or indirect loss or damage and contractual liability
 Loss or damage to contents located inside the insured home while the insured
home remains unoccupied for 30 or more consecutive days
 Any damages occurring to insured premises located less than 500 feet before sea
level/ocean
CLAIMS PROCESS
In case of an event giving rise to a claim, the Insured should immediately intimate the
Company on our Toll-Free Helpline 1800-2-700-700 or 022-6638 48 00.
All conversations may be recorded by the Company and shall form a part of the record
and be considered by the Company in evaluating a claim made under the Policy.
On receipt of the full and final documents by the Company and subsequent completion of
final survey, the claims would be processed by the Company.

*Insurance is the subject matter of solicitation Form No. 166

HDFC ERGO General Insurance Company Limited

6th Floor, Leela Business Park, Andheri-Kurla Road,

Andheri (East), Mumbai - 400059

Registered Office : Ramon House, H T Parekh Marg,

169, Backbay Reclamation, Mumbai - 400020

Toll-free No. 1800-2-700-700

Fax: 91 22 6638 3699

care@hdfcergo.com

www.hdfcergo.com

HDFC ERGO – REDEFINING GENERAL INSURANC
For India, HDFC has been synonymous with
housing loans for almost 30 years. The market
leader in home mortgages, HDFC is among India's
premier financial institutions with a distribution
network of 250 branches and 90 outreach
programme centres across the country. Today, with
assets worth more than Rs 80,000 crores, a
customer base of 32 lakhs and AAA rating for 13
consecutive years, the Group has expanded into
Banking, Insurance (Life and General), Asset
Management and Property Venture Funds.
ERGO is the primary insurance entity of Munich Re
Group, one of the world's largest risk carriers and the
leader in health and legal protection insurance in
Europe. Its investments total to over € 100 billion.
Little wonder, 3.3 crore clients in 25 countries place
their trust in the services, competence and security
ERGO provides.
With the coming together of these two financial
giants, India looks forward to see the business of
General Insurance being redefined. At HDFC
ERGO, we aim at setting benchmarks in our path of
innovating products and delivering customer
service. As part of our vision, it is our endeavour
to be the most admired company by being
responsive to your needs and putting you back on
your path of progress when life surprises you with an
unfortunate event.
HOME SURAKSHA PLUS – SHELTERING YOUR OWNERSHIP 3 Loss of Job  Finding on Magnetic Resonance Imaging, Computerized Tomography or any other
Upto 3 EMIs payable in the event of termination from employment of the Insured reliable imaging techniques, demonstrate a lesion consistent with the acute
A home is your most valued possession. For most people, owning a home is like a dream by the employer on account of: hemorrhage, embolism or thrombosis
come true. Today, with various financing options available, making this dream a reality is a. Employer’s rules / regulations or executed / implemented by the employer in  Neurological deficit for at least 3 months
much easier. compliance of any laws for the time being in force  Transient Ischaemic Attacks and/or Brain damage due to anaccident, infection,
On this joyous occasion, secure your dream house and make it a reality forever. HDFC b. Directives by any Public Authority vasculitis or an inflammatory disease are excluded
ERGO’s Home Suraksha Plus - aquadruple benefit plan protects you and your home
against major incidences. 4.1 Fire Insurance HParalysis
This comprehensive plan offers the following benefits: Pays upto the sum insured in the event of loss or damage to the structure of the Complete and permanent loss of function of two or more limbs as a result of injury or
 Package policy house due to: illness of the brain or spinal cord. Permanent loss of function of two or more limbs
 Hassle-free claims process a. Fire and Allied Perils — covers accidental physical loss and/or damage caused to shall be deemed to have occurred if:
 No medicals/health check-up required building and contents due to any of the named perils like lightning, explosion, riot,  The condition has persisted for at least 6 months from the date it was first
 Tax benefit under section 80D (on critical illness cover only) strike, malicious damage, storm, cyclone, typhoon, flood, etc. suffered in spite of the Insured properly implementing all medical advice related to
 Residential property insurance is up to 5 years b. Earthquake and Terrorism its cure, and
 Commercial property insurance is up to 1 year  A doctor of central or a state government hospital confirms complete, irreversible
4.2 Burglary, Housebreaking and Theft and permanent loss
KEY FEATURES Pays upto the maximum sum insured in the event of a loss or damage to the  Paralysis resulting directly or indirectly or as a consequence of any self inflicted
contents insured. injury is excluded
a. Maximum sum insured is 25% of the policy sum insured.
There are several reasons why you may not be in a position to continue paying your
b. Maximum sum insured for jewellery kept in safe is 20% of the burglary section sum IMyocardial Infarction (Heart Attack)
monthly housing loan EMI. Home Suraksha Plus protects your home in the event of such
insured. The first occurrence of an acute myocardial infarction leading to the death of a
unfortunate or unforeseen event.
c. The claim payable is on 40% first-loss basis. portion of heart muscle (Myocardium) as a result of inadequate blood supply to the
Home Suraksha Plus mitigates against any financial loss arising out of:
relevant area.
Critical Illness LIST AND DESCRIPTION OF CRITICAL ILLNESS The diagnosis for the same must be evidenced by all of the following:
Sum insured paid on first Diagnosis of any of the 9  An episode of typical chest pain
Critical Illnesses A Cancer The occurrence of a typical new acute infarction changes (ST-T elevation) on the
Personal Accident A disease manifested by the presence of a malignant tumour characterized by the electrocardiograph and progressing to development of pathological Q waves
 Accidental Death uncontrolled growth and spread of malignant cells, and the invasion of tissue. The  Elevation of Cardiac Troponin (T or I) to at least 3 times the upper limit of normal
 Permanent Total Disability term cancer also includes leukemia and malignant disease of the lymphatic system reference range or an elevation in CPK-MB to at least 200% of the upper limit of the
 Dependent Child Education Benefit
Loss of Job
such as Hodgkin’s Disease. normal reference range
 Termination from Employment But excluding non-STEMI with elevation of Troponin I or T. Other acute coronary
Fire & Burglary Insurance But excluding: syndromes including but not limited to angina or chest pain are excluded from this
 All tumours that are histological described as pre-malignant, non-invasive or definition.
 Fire and Allied Perils: Property and Contents
carcinoma in situ, prostate tumours classified upto T1 (under the TNM classification)
 Burglary and Theft: Contents
 Tumours treated by endoscopic procedures alone ELIGIBILITY CRITERIA
KEY BENEFITS  Kaposi’s Sarcoma or any other malignant tumour in the presence of any Human
Immuno-deficiency Virus. To be eligible to be covered under the Policy or get any benefits under the Policy, the
1 Critical Illness  Any skin cancer other than invasive malignant melanoma (starting with Clark Level III) Insured should have attained the age of at least 20 years and shall not have completed
Entire sum insured payable on the first diagnosis of any of the below - mentioned 9  T1 N0 M0 (under the TNM classification System) papillary carcinoma of the thyroid the age of 50 years on the date of commencement or renewal of the Policy Period as
critical illness and procedures: less than 1 cm in diameter applicable to such Insured.
a. Cancer  Tumours that pose no threat to life and for which no treatment is required
b. Kidney Failure  Tumours that are a recurrence of metastasis of a tumour that first occurred prior to COVERAGE LIMITS
c. Multiple Sclerosis 180 days following the policy start date
 The single Policy Period is from 1 year upto a maximum policy period of five years
d. Major Organ Transplant
B Kidney Failure (End Stage Renal Failure) only, thereafter which can be renewed by mutual consent.
e. Heart Valve Replacement
End stage renal disease presented as chronic irreversible failure of both kidneys to
f. Coronary Artery Bypass Graph  The cover under this Policy, for the specific Insured, shall terminate in the event of a
g. Stroke
function, as a result of which either regular renal dialysis (hemodialysis or peritoneal claim under any one Section of the Policy in respect of that insured becoming
dialysis) is instituted or renal transplantation is carried out. admissible and accepted by the Company and only upon full sum insured being
h. Paralysis
payable to the Insured except under loss of job and dependent child education
i. Myocardial Infarction – Heart Attack
C Multiple Sclerosis benefit.
The sum insured can be upto a maximum of Loan Value Only. Unequivocal diagnosis of multiple sclerosis by a consultant neurologist holding  In case of a claim under the burglary section, indemnity will be provided basis the
such an appointment at a government hospital. The Insured must exhibit market value of the item lost. The Company’s liability is restricted to the extent of
2 Personal Accident neurological abnormalities that have existed for a continuous period of at least 6 40% of the limit of indemnity caused by actual or attempted Burglary and/or Theft,
Pays upto the entire sum insured, if bodily injury results in death or permanent months or must have had at least two clinically documented episodes. The provided that such Contents are insured against Fire and Allied Perils of the Policy.
disability due to an accident. above must be evidenced by the typical symptoms of demyelination and  Dependent Child Education Benefit is payable from Rs 25,000 per child upto
a. Accidental Death: Death of the insured person on account of an accident impairment of motor and sensory functions as well as by typical MRI findings. maximum of Rs 5,00,000 for two children, depending on the policy sum insured
b. Permanent Total Disability (PTD): Pays upto the entire sum insured, if bodily (cover on accidental death only) upto 24 months, on reimbursement basis, i.e., on
injury results in permanent disability due to an accident, occurring within twelve (12) DMajor Organ Transplant production of original tuition fee receipt from the accredited institution. Maximum
months of the Date of Loss. The receipt of a transplant of: two children may be covered.
c. Dependent Child Education Benefit: Pays upto the below-mentioned sum  Human bone marrow using haematopoietic stem cells preceded by a total bone
insured towards dependent children’s education in the event of death of the insured marrow ablation, or EXCLUSIONS
due to an accident resulting in death within twelve (12) months of the Date of Loss.  One of the following whole human organs: heart, lung, liver, pancreas or kidney, as
The cover is over and above the sum insured covered under death section and a result of irreversible end stage failure of the respective organ There are several risks which are either uninsurable or are specifically excluded
supports the child’s education upto 24 months.  A specialist doctor confirms the requirement of the same
from the scope of cover. The following is an illustrative but non-exhaustive list of some of
 Other stem cell transplants and transplants of part of an organ are excluded the types of risks and items which will not be covered:
Loan Amount (Rs) Benefit Amount (Max limits)
From To E Heart Valve Replacement A General Exclusions
1 500,000 NIL The undergoing of medically necessary open heart surgery to replace a heart valve  War and nuclear risks
as a consequence of a heart valve defect. Surgeries using balloon or catheter  Chemical or biological terrorism
One child : Rs 25,000
techniques are excluded.
500,001 1,000,000 Two children : Rs 50,000  The Policy does not cover any other contingencies or benefits except as stated in
the Policy schedule (For an elaborate list of policy exclusions, kindly refer policy wordings.)
One child : Rs 50,000 F Coronary Artery Bypass Graft
1,000,001 2,000,000
Two children : Rs 100,000 The actual undergoing for the first time of an open chest coronary artery bypass B Critical Illness
One child : Rs 100,000 surgery to correct narrowing or blockage of one or more coronary arteries with  Any illness or disease discovered or diagnosed within the first 90 days from the date
2,000,001 3,000,000 bypass grafts provided it is recommended by cardiologist and supported with of commencement of the policy
Two children : Rs 200,000
coronary angiographic evidence but excluding balloon angioplasty and/or any other  Treatment relating to birth defects
One child : Rs 150,000 intra-arterial procedures or laser relief.
3,000,001 4,000,000  Any congenital illnesses
Two children : Rs 300,000  Any Pre-Existing Illness/Disease and any Insured Event arising on account of or in
One child : Rs 200,000 G Stroke connection with any Pre-Existing Illness/Disease
4,000,001 5,000,000
Two children : Rs 400,000 The first occurrence of any cerebrovascular incident producing neurological sequel  Pregnancy and Childbirth-related diseases
lasting more than 24 hours and including infarction of brain tissue, hemorrhage and
5,000,001 30,000,000
One child : Rs 250,000
embolisation from an extra cranial source. The following must evidence the
 Aids and any sexually transmitted diseases. Acquired Immune Deficiency
Syndrome (AIDS), AIDS-related complex syndrome (ARCS) and all diseases
Two children : Rs 500,000 diagnosis for the same:
caused by and/or related to HIV