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What's included in COVID 19 Cover?

  • Medical expenses for hospitalization like room rent, nursing expenses, ICU/ICCU expenses, blood, oxygen, ventilator charges, costs towards diagnostics, PPE Kit, gloves, mask and such similar other expenses.
  • Medical expenses for treatment of COVID 19 availed at home for maximum up to 14 days.
  • Medical expenses incurred on treatment of any comorbidity along with the treatment for COVID 19
  • If you opt for AYUSH treatment (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines), it will also covered.
  • Pre-hospitalization expenses for 15 days and post hospitalization expenses for 30 days is also covered under this policy.

Note: The above mentioned benefits will be applicable only if you are found to be COVID 19 positive

To know more, read Product Brochure

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  • Glossary
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Medical expenses for Hospitalization during the policy term for treatment of COVID including treatment of any Co-Morbidity illness will be covered up to the Sum Insured for:

  • Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such similar other expenses.
  • Road Ambulance subject to a maximum of Rs.2000/- per hospitalization for the Ambulance services offered by a Hospital or by an Ambulance service provider, provided that the Ambulance is availed only in relation to COVID Hospitalization
  • Note:Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.

Home care treatment includes Expenses for treatment of COVID availed at home for maximum up to 14 days per incident for -

  • Diagnostic tests undergone at home or at diagnostics centre 
  • Medicines prescribed in writing
  • Consultation charges of the medical practitioner
  • Nursing charges related to medical staff
  • Medical procedures limited to parenteral administration of medicines
  • Cost of Pulse oximeter, Oxygen cylinder and Nebulizer

Provided:

  • The Medical practitioner advices the Insured person to undergo treatment at home.
  • There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.
  • Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.
  • Insured shall be permitted to avail the services as prescribed by the medical practitioner. Cashless or reimbursement facility shall be offered under homecare expenses subject to claim settlement policy disclosed in the website.

In case the insured intends to avail the services of non-network provider claim shall be subject to reimbursement, a prior approval from the Insurer needs to be taken before availing such services.

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∧As per internal data related to HDFC Life Click 2 Protect Life (UIN:101N139V04), product purchased online for FY 2021-22 upto February 2022.

  1. Guaranteed benefits are paid on survival during the policy term, provided all due premiums are paid during the premium payment term.
  2. Tax Benefits as per the applicable sections of the Income Tax Act, 1961,. Tax benefits are subject to changes in tax laws.

HDFC Life Insurance Company Limited ("HDFC Life"). CIN: L65110MH2000PLC128245,IRDAI Reg. No. 101

Registered Office:Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. For purchasing a new policy, you can Email us on buyonline@hdfclife.in and call us on 1800-266-9777 (All days, from 9 am to 9pm). For in-progress applications (post payment), you can email us on onlinequery@hdfclife.in and call us on 1800-266-0315 (All days, from 10 am to 7 pm).

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited ("HDFC Limited") and is used by HDFC Life under an agreement entered into with HDFC Limited.

HDFC Life Guaranteed Wealth Plus (UIN:101N165V12), is a non-linked participating individual life insurance savings plan. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:EU/03/23/1020.

HDFC Life Guaranteed Wealth Plus (UIN:101N165V12), is a non-linked participating individual life insurance savings plan. Life Insurance Coverage is available in this product. HDFC Life Protect Plus Rider (UIN: 101B040V01) and HDFC Life Income Benefit on Accidental Disability Rider (UIN: 101B041V01) ) are the names of the riders. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:EU/03/23/1020.

HDFC Life Guaranteed Wealth Plus (UIN:101N165V12), is a non-linked participating individual life insurance savings plan. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:EU/03/23/1020.

HDFC Life Guaranteed Wealth Plus (UIN:101N165V12), is a non-linked participating individual life insurance savings plan. Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale. ARN:EU/03/23/1020.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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