HDFC ERGO

INTRODUCTION

The product is a packaged insurance policy which allows the investment manager to choose any combination from the following covers: Asset Management Protection and Crime Insurance

ASSET MANAGEMENT PROTECTION COVERAGE SECTION

Fund Reimbursement: Pays for loss on behalf of a fund, which such fund becomes legally obligated to indemnify an Insured on account of any Professional Services Claim made against an Insured for a Wrongful Act

Professional Liability: Pays on behalf of the insured, loss which such insured becomes legally obligated to pay on account of any Professional Services Claim first made against an Insured for a Wrongful Act

Management Liability: Pays for Loss for which the Insured Person is not indemnified by an Organization on account of any Management Claim first made for a Wrongful Act

Management Indemnification: Pays for on behalf of an Organization, Loss for which such Organization grants indemnification to each Insured Person, as permitted or required by law, on account of any Management Claim for a Wrongful Act

Legal Representation Expenses: Pays on behalf of each Insured Person, Legal Representation Expenses on account of any Formal Investigation commenced during the Policy Period

Entity Securities Coverage: Pays on behalf of an Organization, Loss on account Loss on account of any Claim first made during the Policy Period or, if exercised, during the Extended Reporting Period, for a Wrongful Act occurring before or during the Policy Period

Employment Practices Coverage: Pays on behalf of an Insured, Loss on account of any EPL Claim first made during the Policy Period.

EXTENSIONS:

Advancement of Defense Costs & Legal Representation Expenses: The Company shall, prior to the final disposition of any Claim, advance Defence costs or Legal Representation Expenses within thirty (30) days of receipt of an invoice from defence counsel. The product is a packaged insurance policy which allows the investment manager to choose any combination from the following covers: Asset Management Protection and Crime Insurance

Outside Directorship Liability: Covers any Management Claim with respect to any Outside Directorship for any Outside Entity

Occupational Health and Safety: Covers Defence Costs on account of any Management Claim or Legal Representation Expenses on account of any Formal Investigation in connection with a violation or breach of an occupational health and safety

Pollution: Covers Defence Costs on account of any Management Claim in respect of Pollution provided such Management Claim is brought and maintained entirely outside India

Pollution Derivative Actions: Covers Loss on account of any Management Claim in respect of Pollution brought by any shareholder of an Organisation

Retired Directors or Officers: Retired Directors or Officers shall have the right to an Extended Reporting Period of eighty-four (84) months within which to report any Management Claims or Formal Investigations that are first made during such eighty-four (84) month period

Dedicated Additional Limit of Liability for Directors and Officers: The company shall pay on behalf of any Director or Officer, Loss on account of any Claim first Directors & Officers made during the Policy Period, or, if exercised, during the Extended Reporting Period, for a Wrongful Act occurring, or Formal Investigation

Loss of Documents: Covers Loss due to, loss of, or loss of use of, damage or destruction to Documents whilst in the custody of an Organisation. The Company shall not be liable for loss or damage to Documents due to wear and tear, gradual deterioration, moth and vermin

Emergency Defence Costs or Legal Representation Expenses: Due to an emergency Defence Costs or Legal Representation Expenses can be incurred without the Company’s prior written consent for defence or investigation work performed during a period of thirty (30) days immediately following the date on which the Claim was first made

Continuity of Cover: Cover is provided for Claims or circumstances which could or should have been notified under any policy or coverage section of which this Coverage Section is a renewal or replacement or which it may succeed in time

Crisis Expenses: Covers Crisis Expenses

Breach of Privacy: Covers Loss on account of any Claim alleging the loss or misuse of confidential or personal information, material or data, or invasion or breach of privacy of any client of an Organisation

Consultants: Cover extends to any consultant who is engaged pursuant to a written contract between such consultant and an Organisation and who is indemnified by such Organisation

Professional Supervision: Professional Services shall include Professional Supervision of any Outside Service Provider

Crime coverage section

1. Employee Dishonesty: Covers loss of Money, Securities or Property due to dishonest or fraudulent acts of any Employee

2. Client Coverage: Covers loss of Money, Securities or Property sustained by a Client, resulting directly from dishonest or fraudulent acts of any Employee not in collusion with such Client’s directors or employees

3. Premises Coverage: Covers loss sustained by an Insured resulting from unlawful taking of Money, Securities or Property by a Third Party or the actual destruction or disappearance of Money, Securities or Property, from the possession, custody or control of the Insured

4. Forgery Coverage: Covers loss from Forgery on, or fraudulent material alteration of, any negotiable instrument committed by a Third Party

5. Funds Transfer Fraud Coverage: Direct loss sustained by an insured resulting directly from Funds Transfer Fraud committed by a Third Party which loss is discovered during the Policy Period

6. Computer Fraud: Direct loss sustained by an Insured resulting from Computer Fraud committed by a Third Party which loss is Discovered during the Policy Period

7. Expense Coverage: Audit Expenses, Investigative Costs, Computer violation Expenses ; resulting from any

8. Direct loss covered under the policy

9. Defence Costs: Covers defence costs incurred on behalf of the Insured if the Company elects to defend; or incurred and paid by the Insured if the Company elects not to defend. Any claim, suit, arbitration or legal proceeding with respect to which the Insured would be entitled to recovery under this Section

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Customer Service No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117. UIN: Alpha Insurance Policy - IRDAN125P0001V01200910. IRDAI Reg No. 146.

At HDFC ERGO, our focus is on providing the “Right Insurance Solution” for the rights of consumers more than ever before. The business community is being challenged to insure exacting standards of quality in its products and deliverables. With its wide coverage and extensive range of add-on options, HDFC ERGO Commercial General Liability Insurance is the ideal answer, providing the all encompassing protection that any forward-thinking company required.

INTRODUCTION TO PRODUCT

Increasing customer expectations, constant changes in technology, a growing awareness of the rights of consumers...more than ever before, the business community is being challenge to ensure exacting standards of quality in its product and deliverables, with its wide coverage and extensive range of add-on options, HDFC ERGO Commercial General Liability Insurance is the ideal answer, providing the all-encompassing protection that any forward-thinking company requires.

BASIC COVERAGE

HDFC ERGO’s Commercial General Liability cover offers the option of protection for bodily injury, property damage, advertising injury and personal injury to a third party for which a company is found to be legally liable. The policy can provide a separate advertising/personal injury to a third aggregate limit that is not subject to a general aggregate limit CGL addresses a wide range of liability loss exposures, falling into two categories.

Premises and Operations Liability

Liability for conditions or activities arising out of the premises or operations of a company

Products and Completed Operations Liability

Liability of a company to a user who is harmed by products manufactured, sold or distributed by the company.

Product highlights

1. Definition of personal injury includes discrimination, harassment and segregation (other than employment-related)
2. When our global liability extension is purchased, the insured is protected against lawsuits brought anywhere in the world.
3. Under “Who is Insured”, existing subsidiaries, including partnership, joint ventures and limited liability companies, can included as insured to the end of the policy period
4. New subsidiaries or newly acquired organizations are afforded named insured status based on control of voting rights, regardless of the type of entity to the end of the policy period
5. Personal and advertising injury protection can be extended to include liability assumed in a written contract
6. Definition of bodily injury includes humiliation, mental anguish, mental injury and shock resulting from physical injury
7. Definition of advertising injury includes trademark infringement
8. Separate aggregate be purchased for products completed operations hazard that isn't subject to the general aggregate limit

Why commercial general liability insurance

In today's uncertain world, technology and case law are constantly changing the liability landscape. HDFC ERGO's Commercial General Liability (CGL) protection responds to exposures, some of which didn't exist 10 years ago.

For example the rapid rise in the internet has dramatically increased the potential for libel, intellectual property and invasion of the right of privacy suits. Typical standard policies do not adequately respond to these contingencies.

When does company need hdfc ergo's cgl protection

A tenant in a condominium complex falls down an improperly lit interior stairwell and suffers significant injuries. The property owner is sued for negligence & found liable.CGL would likely respond to the loss.

Our other casualty line products

1. Product Liability
2. Public Liability and Public Liability Act
3. Errors and Omission (Tech)
4. Commercial General Liability
5. Employers Liability/ Workmen's Compensation
6. Professional Indemnity

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T.Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Customer Service No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117. UIN: Commercial General Liability Insurance - IRDAN125P0001V01200607. IRDAI Reg No. 146.

Introduction

Cyber Security by HDFC ERGO is designed to protect commercial businesses against a wide range of first and third party liability occurring out of cyber exposures associated with e-business, internet, networks and information assets.

Companies with access to private & confidential information about their customers have a responsibility to keep it secure. Equally, companies who have a web presence or a dependency on technology have emerging content and transactional exposures.

Cyber risk is steadily increasing. Security/Data breaches affect millions of records a year and reports of breaches continue to rise at a dramatic rate. The introduction of viruses and unauthorized access are well known examples.

Coverage

First Party Liability:

1. E-Theft Loss as a consequence of having transferred funds or property or given any value due to the fraudulent input of data into a computer system or through a network into a computer system
2. E-communication Loss occurring due to a customer having transferred funds or property or given any value on the faith of any fraudulent communication for which loss you are held legally liable
3. E-Threat Loss including the cost of a professional negotiator and any payment made or any fund or property surrender intended as an extortion payment
4. E-Vandalism Loss even when caused by an employee
5. E-Business interruption including Extra Expenses
6. Privacy Notification Expenses including the cost of credit monitoring services or similar services for affected customers. (Subject to a sub limit)
7. Crisis Expenses including the cost of public relations consultants. (Subject to a sub limit)
8. Reward Expenses including informant costs. (Subject to a sub limit)

Third Party Liability:

1. Disclosure Liability including customer claims due to system security failures resulting in unauthorized access to or dissemination of private information on the Internet
2. Content Liability including claims for intellectual property, trademark and copyright infringement
3. Reputational Liability including claims alleging disparagement of products or services, libel, slander, defamation and invasion of privacy
4. Conduit Liability including claims arising from system security failures that result in harm to third-party systems
5. Impaired Access Liability including claims due to system security failure resulting in systems being unavailable to customers
6. Defence Costs cover available for costs incurred in defending any claimbrought by a government agency, licensing or regulatory organization Defence costs in advance of the final disposition of any cyber liability claim and within30 days of receipt of invoice for such costs
7. Claims definition includes Extradition proceedings
8. Prior Notice Exclusion: Excludes prior notice of a fact or circumstance thathas been accepted by the previous insurer
9. Full Severability of Exclusions: Knowledge of one Insured Person is not imputed to another and only knowledge possessed by the Chief Executive Officer, Chief Financial Officer or the Chief Operating Officer of the Organization will be imputed to the Organization

Major exclusions

1. Claim arising out of or resulting from any of the following:
2. Fraudulent act or willful violation of any such law, regulation by an insured
3. Bodily injury, sickness, disease, death of any person or damage to any tangible property
4. Mechanical failure, gradual deterioration, electric disturbance, media failure or breakdown or any malfunction

Benefits

1. Combined benefit of third-party (cyber liability) and first-party (cyber crime expense) coverage
2. Broad definitions of “computer” and “system” address enterprise- wide network exposure, including laptops, disk drives, backup tapes, and mobile devices
3. No “security maintenance” exclusion
4. Disclosure Liability coverage extends to outsourced data processing and data privacy notification expenses coverage is triggered without a requirement for a claim or a regulatory requirement mandating the notification
5. Covers Cyber hacking and cyber attack incidents

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T.Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Customer Service No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license.  CIN: U66030MH2007PLC177117. UIN: Cyber Security Insurance Policy - IRDAN125P0005V01201112. IRDAI Reg No. 146.

In a litigious age there is always the risk of lawsuits that employers face from employees. These claims can be extremely expensive to defend against, even if the employers are innocent of wrongdoing and the court is in favour of the employer. A charge of discrimination, for example, may cost millions, but it can also tarnish a company’s image and hurt employee morale. HDFC ERGO has introduced the Employment Practices Liability Insurance (EPLI) policy, which will provide invaluable insurance coverage for your organisation.

WHO IS COVERED

EPLI policy covers your company and its employees. Employment Practices Liability Insurance will provide a defense and claim payment on behalf of the company where any employment related claims have been made by any past, current and prospective employees.

POLICY FEATURES

1. Broad definition of Wrongful Acts
2. Defense costs and damages coverage
3. Punitive Damages coverage insurable by law
4. Worldwide Coverage
5. Claims made coverage
6. Broad definition of insured persons

KEY EXCLUSIONS

1. Pending or prior litigation, demands or judgments
2. Circumstances notified under a prior insurance policy
3. Bodily Injury or property damage claims
4. Alleged violation of the responsibilities, obligations or duties
5. Any deliberately fraudulent act
6. Pollution claims
7. Fines and penalties
8. State employment law violations

WHAT IS A CLAIM

1. It covers the company from the financial consequences associated with employment-related lawsuits made by its employees. It provides protection against charges of
2. Racial or age discrimination
3. Sexual harassment
4. Wrongful termination
5. Emotional Distress
6. Breach of any oral or written employment contract
7. And a variety of other employment related claims

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T.Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. CustomerService No: 022 - 6234 6234 / 0120 - 6234 6234 | Telephone: 022 6638 3600 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license.  CIN: U66030MH2007PLC177117. UIN: Employment Practices Liability Insurance - IRDAN125P0001V02200910. IRDAI Reg No. 146.

Signature Management Liability Policy offers protection against such circumstances tailor made to suit the customer needs.

WHO IS PROTECTED?

1. All Directors (past, present & future)
2. All Officers (employed in an executive capacity)
3. Company Secretaries
4. Spouse, Legal Heirs & Representatives

SCOPE OF COVER

1. Directors and Officers Liability Coverage
2. Company Reimbursement Coverage
3. Securities Coverage
4. Legal Representation Expenses - Directors and Officers
5. Legal Representation Expenses - Company Reimbursement

KEY EXCLUSIONS

1. Pending or prior litigation, demands or judgments
2. Circumstances notified under a prior insurance policy
3. Bodily Injury or property damage claims
4. Any U.S.A claim brought by any organization or any outside entity, if arises out of an outside Directorship
5. Deliberately fraudulent act or omission or any willful violation or breach of any law by an Insured Person
6. Deliberately fraudulent act or omission or any willful violation or breach of any law by an Organisation

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T.Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. CustomerService No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. CIN: U66030MH2007PLC177117. UIN: Signature Management Liability Insurance-Revision - IRDAN125P0004V01200708. IRDAI Reg No. 146.

Tailored Insurance for Venture Capital and Private Equity Firms

Venture capital and private equity firms perform a wide range of business activities. These activities can include financing a portfolio company, serving on a portfolio company's board of directors, exiting a portfolio company position, and nearly everything in between. This wide array of activities creates a host of unique personal and business exposures that can seriously threaten a firm's bottom line and the financial security of the individuals who perform these functions.

HDFC ERGO Venture Capital Asset Protection (VCAP) policy offers management liability, management indemnification, outside directorship liability, professional services liability and crime insurance covers. With HDFC ERGO Venture Capital Asset Protection policy venture capital firms receive true value and one of the broadest policies in the industry.

WHAT ARE THE EXPOSURES?

The following are some of the exposures that venture capital firms face as investors and developers of emerging companies:

1. Positions on Portfolio Company Boards: Active participation in managing your portfolio companies is a hallmark of your firm, but there are risks to be considered.
2. Indemnification: To what extent does the indemnification power of a portfolio company protect a venture capitalist serving as an outside director, in particular, on the board of a portfolio company in the seed or early stage of development?
3. Down Round Financing: The perception created by down rounds may be that the best interests of other parties are intentionally not being considered
4. Conflicts of Interest: Divergent interests may create scenarios in which not all interested parties feel they have benefitted to the fullest extent possible
5. “Wash-outs”: Some situations create the perception that a venture capital firm is acting unfairly and in its own best interest while breaching its fiduciary duty to a particular portfolio company, its management and its investors.
6. In-kind Distributions: An in-kind distribution is a highly anticipated event. What happens if it doesn't go exactly as expected?
7. Bankruptcy: Declaring bankruptcy is a reality for some emerging companies, but that reality can carry significant liabilities for the company's board of directors and business developers.
8. Confidential information: How secure is confidential information when it is being communicated or while it sits on a partner's desk or in a filing cabinet?
9. Employment Practices: In certain cases, new management is hired to take a portfolio company to the next level. How does old management feel about this?
10. Intellectual Property: With thousands of new companies being started the world over every year it is becoming increasingly difficult to be certain that proprietary intellectual property has not already been 'claimed' by another.
11. Initial Public Offering: Initial public offerings invite added scrutiny by unaffiliated third-party investors of past and present financial information, management decisions, the offering itself, etc, potentially resulting in costly and distracting litigation.

Product highlights

What is Included?

The following insurance coverages are available with every Venture Capital Asset Protection policy:

1. D&O Liability
2. Company Reimbursement
3. Outside Directorship Liability
4. Professional Services Liability
5. Legal Representation Expenses
6. Fund Reimbursement
7. Crime Insurance

What is Protected?

HDFC ERGO Venture Capital Asset Protection policy is specifically designed to address structures used by the Venture Capital industry:

1. Venture Capital Limited Liability Partnerships
2. Venture Capital Management Partnerships
3. Unit Trusts
4. Trustee or Management Companies
5. Limited Liability Companies

Who is Protected?

HDFC ERGO policy offers automatic protection for the firm's critical contributors, including past, present and future:

1. Managing Members
2. Directors & Officers
3. Employees
4. Members of Advisory Boards
5. Trustees

Terms & Conditions Apply. HDFC ERGO General Insurance Company Limited (Formerly HDFC General Insurance Limited). Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T.Parekh Marg, Churchgate, Mumbai – 400 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Customer Service No: 022 - 6234 6234 / 0120 - 6234 6234 | care@hdfcergo.com | www.hdfcergo.com. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license.  CIN: U66030MH2007PLC177117. UIN: Venture Capital Asset Protection Policy - IRDAN125CP0006V01202021. IRDAI Reg No. 146.

HDFC ERGO comprehensive car insurance ensures all round protection that gives you comprehensive coverage from loss arising due to natural calamities, theft, accidents and fires.

Benefits:

1. Premium at `2,551 per year*
2. 24x7 emergency roadside assistance**
3. Overnight repair service~ x
4. AI enabled tool for smooth claim processing Access to 6,400+ cashless garages^

What is covered?

Own damage to the vehicle caused by:

1. Accident (external means)
2. Burglary housebreaking or theft
3. Fire, explosion, self-ignition, lighting
4. Terrorism, riots, strike or malicious act
5. Transit by road, rail, inland waterway, lift
6. Earthquake, flood, storm, landslide, rockslide
7. Personal accident cover for registered owner of the vehicle.

Available add-on Covers:

1. Zero Depreciation claim
2. Engine and Gear-box protector
3. Cost of consumable items
4. No Claim Bonus protection
5. Return to Invoice
6. Tyre Secure
7. Emergency Assistance Cover
8. EMI Protector
9. Pay as you drive – KM benefit

Third Party Legal Liability:

1. Provides cover for any legal liability arising out of the use of the vehicle for
2. Accidental death / injury to any third party
3. Third party property damage upto 7.5 lakhs

Exclusions Own damage to the vehicle caused by:

1. General aging, wear and tear
2. Driving without a valid license
3. Mechanical or electrical breakdown
4. Damage by a person driving under the influence of liquor or drugs
5. Depreciation, any consequential loss
6. Loss/damage attributable to war, mutiny, nuclear risks
7. Damage to tyres and tubes, unless damaged during an accident
8. Loss/damage outside India

Subject otherwise to the terms, exceptions, conditions and limitation of this policy.

No Claim Bonus:

A reward earned by Insured for not filing any claim in a policy year

In short, you can trust HDFC ERGO to get you back in the driver’s seat quickly. HDFC ERGO provides you with not just comprehensive insurance, but also comprehensive assistance whenever you need it.

Why choose HDFC ERGO

1. Family of 1.55+ crore happy customers@
2. 24x7 call centre servicing
3. Quick and easy claim settlement

Terms and Conditions apply. *The premium of Rs. 2,551 (excluding taxes) is for a Maruti Alto with 50% No Claim Bonus and basic TP premium. IDV is Rs. 1 lakh. RTO Zone B. ^Figure as on 7th July 2022. @Figure as on November 2021. **Additional premium will be charged for add-on covers. ~Over-night motor repair service for minor damages made available to HDFC Ergo Policyholders, subject to extent of damage, bandwidth of the motor garages empanelled especially for the services in selected 16 cities and the requirement to appoint surveyor, etc. The Company shall be liable to settle the claim basis of the terms and conditions of the policy document for the concerned vehicle. Up to 3 panels or Rs. 20,000- whichever is higher. Available across 16 cities (Mumbai, Nagpur, Pune, Surat, Vadodara, Ahmedabad, Delhi, Gurugram, Jaipur, Hyderabad, Chennai, Bangalore, Kolkata, Kanpur, Madurai, Coimbator).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 – 400020. For more details on the risk factors, terms and conditions, please read the policy document carefully before concluding a sale Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. UIN: Motor PRIVATE CAR COMPREHENSIVE POLICY - IRDAN125RP0001V02201415 - - r Private Car Policy Bundled IRDAN125RP0008V01201819

Add-on cover for Private Car: Zero Depreciation claim | IRDAN125RP0001V02201415/A0021V01201415 | Engine and Gear-box protector IRDAN125RP0001V02201415/A0064V01202122 | Cost of consumable items IRDAN125RP0001V02201415/A0063V01202122 | No Claim Bonus protection IRDAN125RP0008V01201819/A0002V01202223 | Return to Invoice IRDAN125RP0001V02201415/A0061V01202122 | Tyre Secure IRDAN125RP0008V01201819/A0003V01202223 |Emergency Assistance Cover IRDAN125RP0001V02201415/A0067V01202122 |EMI Protector IRDAN125RP0001V02201415/A0066V01202122 | Pay as you drive – KM benefit IRDAN125RP0001V01201920/A0032V01202223 |

A policy like no other.

It’s great when you ask for something and get more in return, isn’t it? That’s why, HDFC ERGO brings to you a health insurance plan that gives you SO MUCH more benefit than you had asked for!

HDFC ERGO Optima Secure provides 4X coverage, at no additional cost, thereby redefining the value you get from health insurance. It doesn’t just secure your present, but safeguards your future as well.

Get So Much Coverage* Guaranteed^^

Secure Benefit

2X cover from day 1

Secure Benefit is a first-of-its-kind benefit of Optima Secure that doubles the insurance cover you buy, instantly and automatically. This means that you get a 2X coverage from day 1, without having the need to activate or claim it, at no additional cost.

Plus Benefit
100% increase in coverage after 2 years

Plus Benefit is another first-of-its-kind benefit of Optima Secure. With this benefit, the base cover you choose for yourself automatically increases by 50% after 1 year, and 100% after 2 years, irrespective of any claims made. With this benefit, you need not be anxious about earning a no claim bonus or be worried about a reduction in case of a claim.

Automatic Restore Benefit
100% restore coverage

With the Automatic Restore Benefit of Optima Secure, if any claim, partial or total, is made any time during the year, then 100% of the base cover gets restored automatically for subsequent claims in the Policy Year, at no additional cost.

Protect Benefit
Zero deduction on non-medical expenses

In case of an unfortunate hospitalization, the Protect Benefit of Optima Secure guarantees payment of consumables, which include listed non-medical expenses like gloves, masks, nebulizer kits and so on. It’s in-built, and available automatically at no extra charge.

All the above benefits of Optima Secure thus work together to give 4X coverage in respect ofthe chosen cover.

60 and 180 days pre and post hospitalisation covered

So Much More Coverage

Instead of 30 and 90 days available normally, Optima Secure covers medical expenses for 60 days pre and 180 days post hospitalisation.

Home healthcare

This policy covers hospitalization availed from the comfort of your home, and as per your convenience on cashless basis, if prescribed in writing by the treating Medical Practitioner.

Daily cash for shared room

A daily cash amount of INR 800 per day up to a maximum of INR 4800 on hospitalization is provided as out of pocket expenses when you choose a shared accommodation in a network hospital, and the hospitalization period exceeds 48 hours.

Preventive health check-up

You can avail a preventive health check-up benefit, every year post completion of the first policy year, irrespective of claims.

E-opinion

Get e-opinion on listed 51 critical illnesses through our network provider in India.

Hospitalisation expenses

Covers medical expenses incurred at the time of hospitalisation that include room rent at actual, ICU expenses, nursing expenses, surgeon’s fee, road ambulance charges and so on. It also covers all day care treatments that require hospitalisation for less than 24 hours.

AYUSH treatment

Optima Secure covers in-patient hospitalization expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

Domiciliary hospitalisation

Secures all medical expenses during Domiciliary hospitalisation.

Organ donor expenses

Get reimbursements for medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated.

Emergency air ambulance

The policy pays for air ambulance transportation services during your emergency needs.

Add-on covers

my:Health Critical Illness (Add-on)
Get comprehensive coverage for 51 critical illnesses with sum insured options of INR 100,000 to INR 500,00,000 and in multiples of INR 100,000.
my:Health Hospital Cash Benefit (Add-on)
Get sum insured options of INR 500/ INR 1000/ INR 1500 / INR 2000/ INR 2500 / INR 3000 / INR 5000/ INR 7500/ INR 10,000 to cover your out-of-pocket expenses.
Unlimited Restore (Add on) provides Unlimited Restorations in a policy year.

Discounts

Loyalty discount
With it, you will be eligible to get a discount of 2.5% on the base premium if you have an active retail insurance policy with premium above INR 2000.

Family discount
Get discount of 10% if two or more family members are covered under the same policy under the individual policy option

Long term discount
If the policy period is more than one year, you will be entitled to receive a discount of 7.5% and 10% if the policy is purchased for a 2-year and 3-year tenure respectively.

So Much Choice
Coverage Choose between wide range of base coverage from INR 5 lakhs to 2 crores

Policy Options

Family Floater - A maximum of 4 adults and a maximum of 6 children can be included in a single policy having a common sum insured.

Individual policy - A maximum of 6 adults and a maximum of 6 children can be included in a single policy having separate sum insured individually.

Tenure

You can select policy tenure from 1 to 3 years according to your convenience

Premium payment in installment options for payment of premium on an instalment basis i.e. monthly, quarterly, half yearly

Age limit

Minimum Age - The minimum entry age for a dependent child (who is, natural or legally adopted) is 91 days and maximum entry age is 25 years.

Maximum Age - The maximum entry age is 65 years. There is no maximum cover ceasing age in this policy.

Note: Adults can be a combination of self, spouse, parents and parents-in-law.

Terms & Conditions Apply. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For additional covers, additional premium will be charged. For in-depth details on terms and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs. ^^Get Guaranteed Secure, Plus, Protect and Restore Benefits. Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lakh up to Base Sum Insured of equal to or less than 20 lakhs. **Healthcare Providers include Network hospitals and Diagnostic centers. Data as on March 2022. Please refer to the website www.hdfcergo.com for an updated network list. 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 Bank Ltd and ERGO International AG and used by the Company under license. UIN: my: Optima Secure - HDFHLIP23123V022223| UIN: my: health Critical Illness - HDFHLIA22141V032122 | UIN: my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021 | UIN: Unlimited Restore (Add on): HDFHLIA22188V012122. UID: 11422.

Whether you are taking a once-in-a-lifetime trip, travelling for work or planning a vacation with your friends or family, safeguard yourself from any travel related contingencies which may jeopardize your international trip. Our Travel Insurance gives you complete peace of mind and protection.

Benefits:

1. 1 lakh+ cashless hospitals world-wide
2. Covers loss or delay of checked-in baggage
3. Covers emergency medical expenses
4. Covers flight delay and contingency travel benefits

The policy provides worldwide coverage for Indian Residents for:

Eligibility criteria:

1. Business & Official Purpose
2. Holiday
3. Employment

Accompanying Spouse and Children of Business Professionals can be covered and will be treated as going under holiday.

Foreign nationals working in India with Indian employers of multinational companies, getting salary in INR can be considered for coverage.

Foreign nationals domiciled in India could be covered subject to verification of ration card and IT return.

Age Limit:

Single Trips: 6 months to 70 years

1. Annual Multi Trip Plans: 18 years to 70 years
2. Family Floater: Family Floater Plan covering Self, Spouse and up to 2 children with a minimum entry age of 3 months**

Terms & conditions apply. **Subject to policy terms, conditions and exclusions. Terms & Conditions Apply. HDFCERGO 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 policy document carefully before concluding a sale Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. UIN: Travel Insurance - HDFTIOP22056V022122. UID: 11002.

While you pursue your dreams of studying abroad, leave your worries to us.
HDFC ERGO Student Suraksha - Student Overseas Travel Insurance understands your need for safety and security and safeguards you from unforeseen circumstances while studying abroad.

It is a comprehensive package policy for all students who are Indian residents and are travelling overseas for higher studies. The existing Indian students who are studying abroad can also be covered under this policy.

FEATURES

1. Covers medical expenses, evacuation and repatriation
2. No medical test required
3. Coverage for students in age group of 16 to 35 years
4. Comprehensive plans for students travelling abroad for studies
5. Covers risks like loss of passport, bail bond, study interruption, sponsor protection
6. Worldwide cover for Students from 30 days to 2 years

ELIGIBILITY

1. Indian students travelling abroad to pursue higher studies
2. Age Limit: From 16 years to 35 years

GENERAL CONDITIONS

1. For any insured, if there is any adverse history, as per the proposal form, then health reports are required irrespective of age & travel duration
2. No refund is allowed for curtailment of risk
3. No refund is allowed after journey commencement

Terms & Conditions Apply. 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 policy document carefully before concluding a sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license UIN: Student Suraksha-Student Overseas Travel - HDFTIOP22052V022122. UID No. 10290.

Your health has always been our top priority!
HDFC ERGO has the privilege to bring to you my:health Suraksha, which aims at giving you a 360-degree protection against soaring medical expenses. Designed with robust thought and a strong base coverage, this policy is a delight for individuals, families and senior citizens looking for the right health cover.

Key features of the policy:

Multiple sum insured options ranging from Rs. 3 lakhs to Rs. 75 lakhs available under this policy*

Any age entry option with lifetime renewal

Exclusive covers like air ambulance cover, recovery benefit, sum insured rebound, etc.

Wellness features like fitness discount @ renewal, health incentives for maintenance of health, etc.

Various discount options to like family discount, long term policy discount, loyalty discount

Medical Expenses

Base Covers

Coverage at actuals for medically necessary hospitalisation (including mental healthcare) due to illness or injury. includes charges incurred on room rent, ICU, diagnostic procedures, consultation fees, medicines, etc.

Home Healthcare**

Medically necessary hospitalisation availed at home on a cashless basis if prescribed by the treating medical practitioner

Domiciliary Hospitalisation

Treatment at home if advised by the treating medical practitioner and if the insured person is not in a condition to be transferred to a hospital or on account of non-availability of room in hospital

Pre and Post Hospitalisation Cover

Medical expenses incurred 60 days immediately before hospitalisation and 180 days post the date of discharge

Day Care Procedures

Covers medical expenses for all day care procedures

Road Ambulance

Covers expenses incurred for utilizing road ambulance service for transporting insured person in case of an emergency

Organ Donor Expenses

Covers medical expenses incurred on harvesting the organ from the donor for organ transplantation wherein the insured person is the recipient

Alternative Treatments

Covers medical expenses incurred on hospitalisation and prescribed by medical practitioner for below mentioned lines of treatment

1. Homeopathy
2. Siddha
3. Unani
4. Ayurveda

Air Ambulance Cover#

Covers expenses incurred on air ambulance transportation in an airplane or helicopter to nearest hospital for emergency care

Recovery Benefit

Lumpsum benefit in case the insured person is hospitalised for a consecutive and a continuous period of more than 10 days

Sum Insured Rebound^

Adds to the sum insured, an amount equivalent to the admissible claim amount, subject to maximum of basic sum insured, on subsequent hospitalisation of the insured person during a policy year.

Rebound amount shall be available to all insured persons for both same and different Illness claims, subject to the condition that a single claim in a policy year cannot exceed the sum of basic sum Insured and cumulative bonus earned.

In case of treatment for chemotherapy and dialysis, sum insured rebound will be applicable only once in lifetime of policy

Preventive Health Check-Up

Renewal Benefits

Booster helps you keep track of your health status by availing a preventive health check-up post completion of every policy year, irrespective of claims

Cumulative Bonus

Increase in 10%/25% of base sum insured every claim free year up to 100%/200% of base sum insured as per the plan opted

my: Health Active##

Fitness discount @ renewal: Accumulate healthy weeks and earn up to 10% discount on renewal premium Health incentives: Maintain good health and avail 50% discount at renewal on medical underwriting loading based on favourable test parameters. Such tests should be done at your own cost through our network provider Wellness services: Health coach, specialised stress management program, diet consultation, discounts on OPD/pharma and more

Sum Insured in INR:

Terms and conditions applicable. ^^Additional premium will be charged for optional and add on covers. *Minimum Sum Insured of Rs. 1 Lac to Maximum Sum Insured of Rs.5 Crore under this policy. **Available in select cities only. #Not available in Silver Smart plan. ^This is applicable only for hospitalisation cover. ##These services will be available through Our HDFC ERGO Mobile App. For disclaimer applicable to HDFC ERGO Mobile App and associated services refer policy wordings. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH20 07PLC177117. 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 Bank Ltd and ERGO International AG and used by the Company under license. UIN: UIN: my:health Suraksha - HDFHLIP23031V062223 | UIN: Unlimited Restore (Add on): HDFHLIA22188V012122 UID: 11498.

Life is very uncertain. Insure it with a critical illness Insurance plan that equips you to manage financial crisis in those difficult times Critical Illness cannot stop with those who believe in #BeingReady

Benefits

1. Offers Lump Sum Benefit on first diagnosis any of 8 critical Illnesses
2. Sum Insured available from INR 100,000 to INR 50,00,000
3. Entry age 5 years to 65 years
4. Option to choose survival period of 15 days/ 30 days
5. Tax benefit under section 80D (Subject to change in tax laws)

What is covered?

Pays a lump sum, up to the sum Insured on first diagnosis of any one of the following critical illness after a 30 or 15 days survival period from the date of the first diagnosis

1. Myocardial infarction (First heart attack - of specified severity)
2. Open chest CABG
3. Stroke resulting in permanent symptoms
4. Cancer of specified severity
5. Kidney failure requiring regular dialysis
6. Major organ transplantation
7. Multiple sclerosis with persisting symptoms
8. Permanent paralysis of limbs

Pre-policy check may be required depending on the age and sum insured at the company specified centre at your own cost.

*If pre-policy check up would be conducted in our empanelled diagnostic centre, 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

What is not covered?

1. Waiting period of first 90 days will apply to all claims unless the insured person has been insured under this policy continuously and without any break in the previous policy year. 48 months waiting period for all pre-existing conditions declared and/ or accepted at the time of application
2. War or any act of war, invasion, act of foreign enemy, (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind
3. Insured person committing or attempting any breach of the law with criminal intent or arising out of or as a result of any act of self-destruction or self inflicted injury, attempted suicide or suicide
4. Insured person’s participation or involvement in adventure sports
5. Involvement in naval, military or air force operations
6. The abuse or the consequences of the abuse of tobacco, intoxicants or hallucinogenic substances including all forms of narcotic drugs and alcohol unless prescribed by medical practitioner
7. Lymphomas in brain, kaposi’s sarcoma, tuberculosis
8. Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital external defects or anomalies

For a complete list of exclusions, kindly refer to our policy wordings.

Terms & Conditions Apply. Minimum & Maximum sum insured available under the product is Rs. 100,000 to Rs. 50, 00,000. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Offi¬ce: 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 Bank Ltd and ERGO International AG and used by the Company under license. UIN: Critical Illness Insurance - HDFHLIP21464V022021. UID: 11177.

Life is very uncertain. Insure it with a critical illness Insurance plan that equips you manage financial crisis in those difficult times Critical Illness cannot stop with those who believe in #BeingReady

Benefits

1. Offers lump sum benefit on first diagnosis any of 15 critical Illnesses
2. Sum Insured available from `100,000 to `50,00,000
3. Entry age 5 years to 65 years
4. Option to choose survival period of 15 days/ 30 days
5. Tax benefit under section 80D (Subject to change in tax laws)

What is covered?

Pays a lump sum, up to the sum insured on first diagnosis of any one of the following critical illness after a 30 or 15 days survival period from the date of the first diagnosis

1. Myocardial infarction (First heart attack - of specified severity)
2. Open chest CABG
3. Stroke resulting in permanent symptoms
4. Cancer of specified severity
5. Kidney failure requiring regular dialysis
6. Major organ transplantation
7. Multiple sclerosis with persisting symptoms
8. Permanent paralysis of limbs
9. Surgery of aorta
10. Primary (Idiopathic) pulmonary hypertension
11. Benign brain tumour
12. Parkinson’s disease
13. Alzheimer’s disease
14. End stage liver failure
15. Open heart replacement or repair of heart valves

Pre-policy check may be required depending on the age and sum insured at the company specified centre at your own cost.

*If pre-policy check up would be conducted in our empanelled diagnostic centre, 50% of the standard medical tests charges would be reimbursed, subject to acceptance of proposal and policy issuance.

What is not covered?

1. Waiting period of first 90 days will apply to all claims unless the insured person has been insured under this policy continuously and without any break in the previous policy year. 48 months waiting period for all pre-existing conditions declared and/ or accepted at the time of application
2. War or any act of war, invasion, act of foreign enemy, (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind
3. Insured person committing or attempting any breach of the law with criminal intent or arising out of or as a result of any act of self-destruction or self inflicted injury, attempted suicide or suicide
4. Insured person’s participation or involvement in adventure sports
5. Involvement in naval, military or air force operations
6. The abuse or the consequences of the abuse of tobacco, intoxicants or hallucinogenic substances including all forms of narcotic drugs and alcohol unless prescribed by medical practitioner
7. Lymphomas in brain, kaposi’s sarcoma, tuberculosis
8. Any treatment arising from pregnancy (including voluntary termination), miscarriage, maternity or birth (including caesarean section), congenital external defects or anomalies

For a complete list of exclusions, kindly refer to our policy wordings.

Terms & Conditions Apply. **Aggregate deductible will be applicable as per the plan opted and the policy terms and conditions. *Subject to no medical history. ^Subject to change in tax laws. 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 Bank Ltd and ERGO International AG and used by the Company under license. UIN: Critical Illness Insurance - HDFHLIP21464V022021. UID: 11176.