RESUME APPLICATION PAY PREMIUM

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RESUME APPLICATION PAY PREMIUM

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HDFC Life Group Health Shield

UIN : 101N116V05

A plan that values your employees’ health as much as you do

Cancer Cover

Cardiac Cover

Personal Accidental Cover

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Features

A Non-Linked, Non-Participating Fixed Benefit, Group Health Insurance Plan

HDFC Life Group Health Shield is a fixed benefit, Group Health Insurance Plan that provides the following benefits available under 2 variants

a) One Year Renewable Group Health Plan & b) Single Premium Credit Linked Plan:
Daily Hospital Cash Benefit
Surgical Benefit
Critical Illness Benefit
Cancer Cover
Cardiac Cover
Personal Accident Cover
The plan has been designed for organizations, to enable them to offer Health Insurance Benefit to their Employees / Members to ensure their health expenses are taken care off in case of any medical emergency
You have the flexibility to choose from a range of benefit options. You or your Member can choose a single benefit option or combination of benefit options offered under this plan.
You have the flexibility to set up the scheme either on Compulsory or Voluntary participation basis where the premium can be paid by You or the Members or Jointly in an agreed proportion

HDFC Life Group Health Shield is a fixed benefit, Group Health Insurance Plan that provides the following benefits available under 2 variants

a) One Year Renewable Group Health Plan & b) Single Premium Credit Linked Plan:
Daily Hospital Cash Benefit
Surgical Benefit
Critical Illness Benefit
Cancer Cover
Cardiac Cover
Personal Accident Cover
The plan has been designed for organizations, to enable them to offer Health Insurance Benefit to their Employees / Members to ensure their health expenses are taken care off in case of any medical emergency
You have the flexibility to choose from a range of benefit options. You or your Member can choose a single benefit option or combination of benefit options offered under this plan.
You have the flexibility to set up the scheme either on Compulsory or Voluntary participation basis where the premium can be paid by You or the Members or Jointly in an agreed proportion

Bonus Declaration

Multiple ways to pay premiums online using Net Banking, Credit Card, Debit Card,
UPI, wallets, Bill Pay along with various offline and auto payment options

Revionary Bonus

HDFC MONEY BACK PAIN (UIN:101N002V01)
2007-08	2.25%
2009-10	2.25%
2010-11	2.25%
2011-12	2.25%
2012-13	2.25%

Product Name	Policy Term	Maturity TB Rates F.Y 2019	Maturity TB Rates F.Y 2020	2.Surrender/Death TB Rates F.Y 2019 %	Surrender/Death TB Rates F.Y 2020
HDFC Money Back (UIN :101N002V01)
	10	2.25%	2.25%	2.25%
	11	NA	2.25%	2.25%
	11	NA	2.25%	2.25%

RB on SPWL is on compound basis, while on all other products it is on simple basis

Benefit

Choose different sum insured for different benefit options

Intro
Daily Hospital
Surgical Benefit
Critical Illness Benefit
Cancer Cover
Cardiac Cover
Personal Accident Cover

Intro

You as a Master Policyholder or your Members / Employees can choose the benefit options subject to the conditions specified below:

Intro

Benefit Option	Benefit Description	Limitation on Choice
A	Daily Hospital Cash Benefit (DHCB)
B	Surgical Benefit (SB)
C	Critical Illness Benefit (29 CI)	Only one out of Benefit Options C, D, E, and F can be chosen
D	Critical Illness excluding Cancer Benefit (28 CI)
E	Critical Illness excluding Cardiac Benefit (27 CI)
F	Critical Illness excluding Cancer and Cardiac Benefit (26 CI)
G	Cancer Cover	Not available with Option C and E
H	Cardiac Cover	Not available with Option C and D
I	Personal Accidental Cover (PAC)

The choice of benefit options can be exercised by both the master policyholder as well as the member. This choice shall be governed by the provisions of scheme rules.
The choice of various benefit options shall be subject to conditions stated in the “Limitations on Choice” column of the above table.
Where multiple benefit options are chosen, the benefits payable under each benefit option shall be independent of benefits payable under other benefit options.

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Check Eligibility Criteria

ELIGIBILITY

1. Age Criteria

Criteria	Benefit Option	Entry Age
Minimum Entry Age (last birthday)	Daily Hospital Cash Benefit Surgical Benefit Personal Accidental Cover	1 year
Minimum Entry Age (last birthday)	Critical Illness Critical Illness excluding Cancer Critical Illness excluding Cardiac Critical Illness excluding Cancer and Cardiac Cancer Cover Cardiac Cover	18 years
Maximum Entry Age (last birthday)	Daily Hospital Cash Benefit Surgical Benefit	68 Years
Maximum Entry Age (last birthday)	Critical Illness Critical Illness excluding Cancer Critical Illness excluding Cardiac Critical Illness excluding Cancer and Cardiac Cancer Cover Cardiac Cover Personal Accidental Cover	69 Years
Maximum Renewal Age (last birthday)	One Year Renewable-69 years; For Single Premium Credit Linked
Maximum Cover Ceasing Age (last birthday)	70 Years

2. Policy Term and Coverage Term Criteria

Group Size:

Minimum Group size : 7

Maximum Group size : No Limit

Member Cover Term :

One Year Renewable: 1 Year (Yearly Renewable)

Single Premium Credit Linked : 1 year to 5 years

Benefit Option	Minimum Policy Term
Daily Hospital Cash Benefit Surgical Benefit	2 years
Critical Illness Critical Illness excluding Cancer Critical Illness excluding Cardiac Critical Illness excluding Cancer and Cardiac Cancer Cover Cardiac Cover	1 year
Personal Accidental Cover	1 year

Premium Paying Mode:

Single Premium Credit Linked: Single Premium

One Year Renewable: Annual, Half Yearly, Quarterly, Monthly

3. Sum Insured Criteria

Benefit Option	Minimum Sum Insured	Maximum Sum Insured
Daily Hospital Cash Benefit	₹ 10,000	₹ 2,00,000
Surgical Benefit		₹ 25,00,000
Critical Illness Benefit(29 CI)		₹ 50,00,000
Critical Illness excluding Cancer Benefit(28 CI)
Critical Illness excluding Cardiac Benefit(27 CI)
Critical Illness excluding Cancer and Cardiac Benefit(26 CI)
Cancer Cover
Cardiac Cover
Personal Accident Benefit

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We help you to choose best insurance plan based on your needs

Personal details

Current age Years

Desired retirement age Years

Educational qualifications

Financial details

Annual income ₹

Monthly expenses ₹

Existing insurance cover ₹

Liabilities

Your Required life cover to protect your family’s future is

₹ 0

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GET QUOTE

The values shown here are only for illustration. The results are generated based on the information provided. It is not intended to be and must not alone be taken as the basis for an investment decision.

ARN: PP/09/24/15877

Category**	% of Surgical Benefit Sum Insured
1	100%
2	60%
3	40%
4	20%

Category	List of Critical Illness Covered
Category A ( Cardiac Related)	Myocardial Infarction (First Heart Attack of specific severity) Open Heart Replacement or Repair of Heart Valves¹
Category B ( Cancer Related )	Cancer of Specified Severity
Category C (Others)	Kidney failure requiring regular dialysis Stroke resulting in permanent symptoms Alzheimer's Disease Apallic Syndrome Coma of specified severity End Stage Liver Failure End Stage Lung Failure Loss of Independent Existence Blindness Third Degree Burns Major Head Trauma Parkinson's Disease Permanent paralysis of limbs Multiple Sclerosis with persisting symptoms Motor Neuron Disease with permanent symptoms Benign Brain Tumour Major Organ/ Bone Marrow Transplant Progressive Scleroderma Muscular Dystrophy Poliomyelitis Loss of Limbs Deafness Loss of Speech Medullary Cystic Disease Systematic lupus Erythematosus with Renal Involvement Aplastic Anaemia

In the event of Diagnosis of	% Cancer Cover Sum Insured payable
Early Stage cancer or Carcinoma-in-situ (CIS)	25
Major Cancer	100 less Early Stage Cancer or CIS claims, if any

Conditions / Procedures	% of Cardiac Cover Sum Insured
Group A: High Severity conditions Myocardial Infarction (First Heart Attack – of Specific Severity) Open Chest CABG¹ Open Heart Replacement or Repair of Heart Valves¹ Major Surgery of Aorta¹ Cardiomyopathy Heart Transplant¹ Primary (Idiopathic) Pulmonary Hypertension	100%
Group B: Moderate Severity conditions Implantable Cardioverter Defibrillator (ICD)¹ Surgery to place Ventricular Assist Devices or Total Artificial Hearts¹	50%
Group C: Mild Severity conditions Insertion of Pacemaker¹ Balloon Valvotomy or Valvuloplasty¹ Angioplasty¹ Surgery for Cardiac Arrhythmia¹ Minimally Invasive Surgery of Aorta¹ Pericardectomy¹ Infective Endocarditis¹ Pulmonary Thrombo Embolism¹	25%

Scenario	Cooling Off Period	Benefit Amount
Recurrence of covered condition	365 days	Nil
Occurrence of other covered condition from the same or lower severity category	90 days	Nil
Occurrence of other covered condition from higher severity category	90 days	Applicable benefit amount less claims made during immediately preceding 90 days
Occurrence of other covered condition not related to any disease/disorder of the heart or covered condition/s, claimed earlier. This must be certified by a cardiologist appointed by the Company. The cost of certification shall be borne by the company.	Nil	Applicable benefit amount

Accidental Partial Permanent Disability	Benefit as a % of Personal Accident Cover Sum Insured
Permanent Total Loss of Hearing in both ears	75%
Permanent Total Loss of use of one limb (hand / foot) other than by physical separation, or Permanent Total Loss of Sight of one eye	50%
Permanent Total Loss of use of four fingers and thumb of either hand	40%
Permanent Total Loss of Hearing in one ear, or Permanent Total Loss of the lens in one eye	25%
Permanent Total Loss of use of four fingers of either hand, or Permanent Total Loss of use of one thumb of either hand, or Ankylosis of the elbow, hip or knee	20%
Permanent Total Loss of use of all toes	15%
Permanent Total Loss of one finger of either hand, or Established non-union of fractured leg or kneecap	10%

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Email ID

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Call (Mon-Sat, 10am-9pm IST, Local Charges Apply)

Email ID

Call (All Days & Toll free)

Schedule a call

Whatsapp

Give missed call to buy a policy

Email

Locate a branch

Whatsapp

Call (Mon to Sat, from 10 am to 7 pm, Call charges apply)

Email

Call (Missed Call)

HDFC Life Group Health Shield