TRANSCRIPT OF CALL

Verbal Transcript Customer Response

Introduction Ok
Good Morning/Afternoon/Evening Sir, Am I speaking with Mr Kammaripalle
Revanth?
(The Customer is provided a choice of language in which he would like the call to
continue and also informed that the call is being recorded)
My Name is Rajneesh Kumar and my employee code is STM9074. I am calling from
HDFC ERGO Health Insurance Ltd company.
This call is regarding an interest that you have shown in buying our Optima Restore
Individual One Year.
This call will be recorded for policy issuance process. We shall be sending the
transcript of this conversation [printed version of recording] along with the policy
documents. You are entitled to a voice copy of this call if you so desire.

Ok
Product Features, USP`s and Exclusions

Optima Restore is a health insurance plan that reimburses your treatments

costs in case of hospitalization
I would like to highlight the benefits covered and the exclusions under the
proposed plan

The benefits offered under the plan are –

In patient treatment; Pre and post hospitalization expense of 60 and
180 days respectively; All day care procedures that require less than 24
hours hospitalization; Organ Donor and domiciliary treatment; Ambulance
Expenses upto Rs.2000, Restore benefit

Some of the main exclusion under the plan are -Any treatment within first 30
days of cover except accident injury; Waiting period of 3 yrs for pre-existing
conditions/diseases; Waiting period of 2 yrs for specific diseases such as
cataract, joint replacement , hernia etc; Expenses arising from HIV or AIDS
and related diseases etc.

This list is not exhaustive and we request you to go through the policy
document available on our website for further details.

The unique features of the plan are-:

First is the Restore benefit, whereby if you exhaust your sum insured partially
or fully, we would automatically add 100% of base sum insured to the
balance sum insured and multiplier benefit(if any). You can
use this amount for all future claims even for the same illness/diseases for
which a claim has already been paid.

We also provide a Multiplier benefit which increases the basic sum insured
by 50% for every claim free year upto a Max of 100%. In case of a claim it
will reduce by 50%, however in no case will the reduction reduce the basic
sum insured.

We have also introduced Stay Active Benefit, wherein you can earn renewal
discount upto 8% for staying active and tracking your steps on our mobile
app.
Lifelong renewal if the renewal premium in paid in full has been received by
the due dates; Cashless facilities at our network of hospitals; No penalty on
the customers by way of increased premium in case they make a claim; No
copayment and capping limits such as room rent capping, specific disease
capping.

Additionally, we also provide three unique riders with this plan

which are available on optional basis. The three riders are
1)Protector Rider
2) Individual Personal Accident Rider
3) Hospital Daily Cash Rider

We would be happy to assist you. For any help contact us at:

E-mail: customerservice@hdfcergohealth.com Toll Free: 1800-102-0333 Website: www.hdfcergohealth.com
TRANSCRIPT OF CALL

Proposal Details
Name of the Insured Ht Wt Relationship Mobile No. Gender* Date of Birth Sum
Person (cms) (kg) to Insured
May I know what sum insured option would you like
to opt for yourself and your family members? Policyholder (Rs)
1 KAMMARIPALLE REVANTH
180 80 Self Male 05/11/1983 500000
May I know your age and the family members you 2
wish to enroll in the policy to suggest the premium
for the chosen sum insured? Would you be interested 3
in a family floater policy or an individual sum insured
policy? 4
5
You can avail an additional 10% discount if you cover
2 or more family members under the individual sum 6
insured plan.
Riders Opted: Critical Illness Rider Sum Insured: N/A
I would also like to inform you that you can avail Critical Advantage Rider Sum Insured: N/A
7.5% discount on your premium if you opt for a 2 Hospital Daily Cash Rider Sum Insured: N/A
year policy. Protector Rider Sum Insured:N/A
Individual Personal Accident Rider Sum Insured:2500000
We would like to inform you that a Pre-Policy
Checkup at our network hospital is required for ages
between 55 and 60 for sum insured above 15 Lacs
and for 60years and above across all sum insured.
We will reimburse 100% of the expenses incurred on
the acceptance of the proposal.
Email id: mr.k.revanth@gmail.com

Medical Questionnaire
Have any of the person proposed to be insured ever suffered from/ are Insured Insured Insured Insured Insured Insured
currently suffering from any of the following : Person 1 Person 2 Person 3 Person 4 Person 5 Person 6

Diabetes No
i.

ii. Thyroid Disorder No

iii. Nervous disorder, fits, mental condition No

iv. Heart & Circulatory disorders No

v. Respiratory disorder No

vi. Disorders of the stomach including intestine, Kidney, Prostate No

vii. Disorder of Spine and Joints No

viii. Tumour or Cancer No

Any ongoing diseases or ailment requiring surgical No

ix. or medical treatment
Have you or any other member proposed to be insured under this
policy sought medical advice or undergone any treatment medical
or surgical in past 5 years due to any of the diseases/conditions listed
x. above or otherwise or attended follow up for any disease / condition / No
ailment/ injury / addiction (except for infrequent common illness for
example fever, common cold, loose motions, cough and cold,
headaches, acidity ?

Is any of the insured pregnant? If yes please mention the expected

No
xi. date of delivery

We would be happy to assist you. For any help contact us at:

E-mail: customerservice@hdfcergohealth.com Toll Free: 1800-102-0333 Website: www.hdfcergohealth.com

TRANSCRIPT OF CALL

Does any person proposed to be insured Alcohol Smoke Pan Masala/ Others
consumes alcohol, smokes or consumes gutkha/pan (30ml pegs of hard (No. of Cigarette/ Gutkha
masala. If yes, please indicate the liquor/ bottles of bidi sticks) (No. of Pouches)
name and quantity per week. beer/ glass of wines)

Insured 1 :

Insured 2 :

Insured 3 :

Insured 4 :

Insured 5 :

Insured 6 :

Nominee Details
Nominee Name Relationship Address of Nominee
As per the Health Insurance Regulations 2013, we KAMMARIPALLE NAGAMANI Mother PLOT NO-60 DOCTORS
request you to nominate a person for your Insurance COLONY KURNOOL Andhra
Policy who must be your immediate relative Pradesh

*If the Nominee is minor, Name and Address of Assignee and Relationship with Minor:

Nominee Name Relationship Address of Nominee

N/A N/A N/A

Ok
Declaration and Warranty on behalf of all
the persons to be insured
Please confirm that the information provided
by you on behalf of all the persons proposed
to be insured are true and complete in all respects
to the best of your knowledge and that you are
authorized to propose on behalf of these other
persons. The policy will come into force only
after full receipt of the premium chargeable.

We would be happy to assist you. For any help contact us at:

E-mail: customerservice@hdfcergohealth.com Toll Free: 1800-102-0333 Website: www.hdfcergohealth.com

TRANSCRIPT OF CALL
Details of payment captured
Authorization
The premium for your policy after applicable discount is 11940.42 Rs.
Request you to confirm Your
Email Id mr.k.revanth@gmail.com
for sharing the link for paying premium
Freelook Cancellation Ok
Dear Sir/Madam You have a 30 days free-look period from the date of receipt of
policy document, to view and cancel the policy if you are not satisfied with the
policy term and conditions, wherein premium would be refunded after deducting
proportionate risk premium and stamp duty charges provided there are no claims.
In such case the policy cover shall forthwith terminate and the policy schedule
and Income Tax Certificate issued become invalid documents.
Termination
We may at any time terminate this Policy on grounds of misrepresentation, fraud,
non-disclosure of material facts or non-cooperation by you or any Insured Person
In the event of termination of this policy on grounds of mis-representation, fraud,
non-disclosure of material facts, the policy shall stand cancelled ab-initio and there
will be no refund
. of premium.
In the event the policy is terminated on grounds of non-cooperation of the
insured or If you terminate the Policy, the premium shall be computed and
refunded in accordance with the rates mentioned in the Policy wordings
provided no claim has occurred up to the date of cancellation.

Sales Closure Ok
Thank you for confirming your details.
The approximate annual premium for the selected sum insured and plan
type
"Optima Restore Individual One Year" is 11940.42 Rs.

In case of any discrepancy/ query, request you to get in touch with us on the
toll free 18001020333. Is there anything else you would like us to assist you
with?
Thanks for choosing AMHI & have a nice day.
You were talking with Rajneesh Kumar

We would be happy to assist you. For any help contact us at:

E-mail: customerservice@hdfcergohealth.com Toll Free: 1800-102-0333 Website: www.hdfcergohealth.com