Complete the Puzzle

of your Family Health

with HDFC ERGO
Group Health Insurance
A comprehensive health plan specially designed for the customers of Bandhan Bank.
An affordable plan providing inpatient cover along with various benefits such as
instant addition of your Sum Insured twice within the same policy year, cumulative
bonus and preventive health check-up.

BENEFITS - INDIVIDUAL OR FAMILY FLOATER^

Basic Sum Insured per insured person/family

2,3,4,5,7.5,10 and 15
per policy year (Rs. In Lakhs)
Inpatient Treatment Covered upto Sum Insured
Pre-Hospitalisation 90 days
Post-Hospitalisation 180 days
Domiciliary Hospitalisation Covered upto Sum Insured
Day Care Treatment All Day Care Treatments covered
Organ Donor Covered upto Sum Insured
Ambulance Cover Upto Rs. 2000 per hospitalisation
Hospital Daily Cash* Rs. 1000 per day ; maximum of 15 days
Alternative Treatment* Covered upto Sum Insured
E-Opinion in respect of Critical Illness* Offered
Preventive Health Checkup* 1% of Sum Insured at each renewal irrespective of a claim ; subject to maximum of
Rs 7500 per policy
Double Sum Insured for Critical Illnesses* Covered (for listed 4 critical illnesses)

Cumulative Bonus* 10% increase in basic Sum Insured for every claim free year; maximum upto 100%
Double Restore Benefit* Addition of 100% Basic Sum Insured, twice in a policy year.
Maternity Benefit* Covered upto ` 25,000

ELIGIBILITY
• This plan will offer cover to person from the age of 91 days onwards. The maximum entry age is restricted to 70 years with no maximum cover ceasing
age on continuous renewals.
• Dependent children between 91 days and 25 years can be insured. A dependent child between 91 days and 5 years can be covered if either parent is
covered in this policy.
• The plan can be offered on individual and family floater Sum Insured basis, and can cover the following relationships i.e. Self (Bandhan Bank customer),
Spouse, dependent children & either set of dependent parents or parents in law as per the plans given below.
MAJOR EXCLUSIONS
• Expenses related to the treatment of any illness within 30 days from the first Policy commencement date except claims arising due to an Accident
• Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous
coverage.
• Expenses related to the treatment of the listed Conditions, surgeries/treatments like cataract, hernia, hysterectomy, joint replacement etc. shall be excluded
until the expiry of 24 months of continuous coverage
• Maternity Expenses -incurred during the Policy Period. is subject to the waiting periods 36 months.
• War or any act of war, invasion, act of foreign enemy, Nuclear, Chemical or Biological attack or weapons, radiation of any kind.
• Congenital external diseases, defects or anomalies
(For complete exclusions please refer to the policy document)

PREMIUM (INCLUSIVE OF 18% GOODS AND SERVICE TAX AND IN INR)

- Individual Plan (Plan for ONE only) To cover Self, his/her Spouse or child on Individual Sum Insured basis
Age (Years) / SI (`) 200,000 300,000 400,000 500,000 750,000 1,000,000 1,500,000
5 - 45 2,936 3,615 4,379 4,859 5,709 6,363 7,954
Above 45 5,721 7,019 8,734 9,843 12,092 13,959 17,449

- Family Plan (Coverage will be on Family Floater Sum Insured basis)

2 Adults (To cover Self and his/her Spouse)
Age (Years) / SI (`) 200,000 300,000 400,000 500,000 750,000 1,000,000 1,500,000
18 - 45 5,093 6,296 7,618 8,469 9,952 11,199 13,999
Above 45 8,637 10,497 12,645 14,046 16,562 19,086 23,856

2 Adults + 2 Children (To cover Self, his/her Spouse and upto 2 dependent children)
Age (Years) / SI (`) 200,000 300,000 400,000 500,000 750,000 1,000,000 1,500,000
18 - 45 7,146 8,662 10,338 11,426 13,543 15,328 19,159
Above 45 10,880 13,075 15,609 17,268 20,396 23,495 29,368

2 Adults + 4 Children (To cover Self, his/her Spouse and upto 4 dependent children)
Age (Years) / SI (`) 200,000 300,000 400,000 500,000 750,000 1,000,000 1,500,000
18 - 45 7,956 9,593 11,411 12,591 14,956 16,953 21,192
Above 45 11,764 14,089 16,777 18,536 21,906 25,231 31,539

Parents Plan (To cover either of Self’s parents or his/her parents in law on Family Floater Sum Insured basis)
Age (Years) / SI (`) 200,000 300,000 400,000 500,000 750,000 1,000,000 1,500,000
18 - 45 5,093 6,296 7,618 8,469 9,952 11,199 13,999
Above 45 8,637 10,497 12,645 14,046 16,562 19,086 23,856

Critical Illness^^ (Benefit Based) (Rate inclusive of 18% GST )

Age (Years) / SI (`) 200,000 300,000 400,000 500,000
18 - 45 590 885 1,180 1,475
Above 45 5,938 8,907 11,877 14,846

Personal Accident Cover^^ (Premium inclusive of 18% GST )

4,00,000 6,00,000 8,00,000 10,00,000
316 474 632 791

Please note:
- Family Floater policy will have the same Sum Insured for all the insured members & premium will be charged as per the age of the eldest member.
- Premiums are subject to change with age, revision in applicable tax rates as specified from time to time by the Government of India, and premium revision
by the insurer with prior intimation.
Disclaimer This is only a summary of the product features. The actual benefits are as described in the policy, and will be subject to the policy terms and
conditions and exclusions. Please seek the advice of Bandhan Bank if you require any further information or clarification.

Anti Rebate Warning:

Section 41 of Insurance Act 1938 as amended by Insurance Laws Amendment Act, 2015 (Prohibition of Rebates): No person shall allow or offer to allow, either
directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in
India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing
or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers. Any
person making default in complying with the provision of this section shall be liable for a penalty which may extend to 10 lakh rupees.

Terms & conditions apply. *These benefits are optional covers which are already incorporated in the premium figures mentioned in this leaflet. ^As per filed document,
the minimum and maximum sum insured options are Rs.50,000 and Rs.50,00,000 respectively. ^^ Mentioned premium will be charged for these optional covers.
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House,
165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales
brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under
license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. Bandhan Bank Limited is an authorized corporate agent
of HDFC ERGO General Insurance Company Limited. Bandhan Bank Limited having office at DN 32, Sector V, Salt Lake, Kolkata, West Bengal. CA License No CA0530.
UIN: HDFC ERGO Group Health Insurance - HDHHGP21544V012021. UID: 8878.