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Hdfc Life Easy Health is Simple Solution

A Non Linked Non Participating Protection Plan to meet possible higher medical expenses

  • Customize your plan with a choice of 7 plan options

  • Daily Hospital Cash Benefit available from ₹ 250 to ₹ 5000 per day1

  • Get lump sum benefit in case of any of the 138 surgeries specified

  • Get lump sum benefit in case diagnosed with any of the 18 critical illnesses specified

  • Avail multiple claims, get double benefit in case of hospitalization in ICU

  1. The benefit will be payable as a lump sum amount at the end of stay in the Hospital for each continuous hospitalization for more than 24 hours as a result of injury, sickness or disease. For detailed information, please read the product brochure carefully.
  1. The benefit will be payable as a lump sum amount at the end of stay in the Hospital for each continuous hospitalization for more than 24 hours as a result of injury, sickness or disease. For detailed information, please read the product brochure carefully.

3 Benefits. Mix and Match to suit your needs

Flexibility to decide what’s right for your health needs

Select your choice of any one or all of the benefits and buy

  • Daily Hospital Cash Benefit
  • Surgical Benefit
  • Critical Illness Benefit

Daily Hospital Cash Benefit

 ICU and Non-ICU rooms expenses covered

Here’s your eligibility checklist

Check this before buying HDFC Life Easy Health Plan

ELIGIBILITY CRITERIA

Minimum Entry Age (last birthday)

18 years

Maximum Entry Age (last birthday)

65 years

Minimum Maturity Age (last birthday)

23 years

Maximum Maturity Age (last birthday)

70 years

Policy Term

5 years

Premium Payment Frequency

Single / Regular Premium

Premium Payment Mode

One time / Yearly

Premium1

Single Pay

Minimum : ₹ 2,184

Maximum: ₹ 4,04,279

Regular Pay

Minimum : ₹ 676

Maximum: ₹ 1,22,068

  1. This premium is exclusive of taxes, other statutory levies and any underwriting extra premium.

Health Plans Decoded!

 Tune in to this video to know about our HDFC Life Easy Health Plan.


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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.

More questions?

We’ll tell you everything you need to know about HDFC Life Easy Health

1 What is the HDFC Life Easy Health Plan?

HDFC Life Easy Health is a fixed benefit health insurance plan, that provides coverage against Critical Illness, specified Surgeries and also provide Daily Hospital Cash Benefit in case of hospitalization. The cover provided by HDFC Life Easy Health is cashless, covers medical expensesmediclaim and the policy will be available for a period of 5 years.

2 What are the different benefits available for this product?

There are 3 separate benefits available in this plan namely: 
Surgical Benefit: Avail up to 100% of Sum Insured in case of 138 surgeries 
Critical Illness Benefit: Get 100% of Sum Insured if diagnosed with any one of 18 Critical Illnesses 
Daily Hospital Cash Benefit: Avail Daily Hospital Cash of 1% of Sum Insured per day (Non ICU rooms) and 2% of Sum Insured per day (ICU)

You can select 1, 2 or all the 3 plan benefits at the time of policy purchase.

3 What are the different plan options available for this product?

You can select one or a combination of 2 or 3 benefits available under this health insurance plan. There are 7 plan options that you can select from. They are as follows:

PLAN OPTION

BENEFITS COVERED

1

Daily Hospital Cash Benefit

2

Surgical Benefit

3

Critical Illness Benefit

4

Daily Hospital Cash Benefit + Surgical Benefit

5

Surgical Benefit + Critical Illness Benefit

6

Daily Hospital Cash Benefit + Critical Illness Benefit

7

Daily Hospital Cash Benefit + Surgical Benefit + Critical Illness Benefit



4 How will the Pay Out happen for this Plan?

The payout will depend upon the plan benefit(s) chosen.

Daily Hospital Cash Benefit (DHCB)

  • In case of hospitalization, due to any injury, sickness or disease, you will receive 1% of Sum Insured as DHCB if admitted in Non ICU room and 2% of Sum Insured if admitted in ICU room

  • The benefit will be payable as a lump sum amount after the completion of each continuous hospitalization for more than 24 hours as a result of injury, sickness or disease. The benefit amount payable will be calculated as mentioned below:

Daily Hospital Cash Benefit * (Number of Days admitted - 1)

  • Daily Hospital Cash Benefit will be payable for a maximum of 20 days per year in case the Life Assured is admitted in Non ICU room and Twice the Daily Hospital Cash Benefit will be payable for a maximum of 10 days per year if admitted in ICU room

  • Daily Hospital Cash Benefit will be payable subject to a maximum of 60 and 30 days if admitted in Non ICU and ICU rooms, respectively during the entire policy term

  • The ICU and non ICU benefits will be independent and subject to their respective limits

  • There is a waiting period of 60 days from the date of commencement or reinstatement of the cover, Waiting period will not be applicable for accidental injury

Surgical Benefit (SB)

  • Surgical Benefit will be payable if the Life Assured has undergone any of the 138 surgeries mentioned in Annexure 2 of the Sales Brochure, provided the surgery is done:

    • by a qualified surgeon for a surgical operation and

    • performed at a hospital due to injury or

    • sickness for covered surgical procedures advised by an independent medical practitioner and the policy is inforce during the policy term

  • In case the Life Assured has to undergo a surgery during the policy term, the benefit payable shall be ascertained on the basis of the Category of the Surgery as shown below:

    CATEGORY**

    SUM ASSURED (%)

    1

    100%

    2

    60%

    3

    40%

    4

    20%

    **Read the product brochure for further details under Surgical Benefit

  • You are entitled to make multiple claims and avail benefits up to maximum of 100% of Sum Insured during the policy term
  • The policyholder shall not be allowed to claim for the same surgery more than once. However, multiple claims from the same category can be made.
  • In case 100% of the Sum Insured has been used up, the cover for Surgical Benefit will cease for the Life Assured for the remaining policy term. However, other benefits (such as Daily Hospital Cash Benefit and Critical Illness Benefit, if applicable) will continue to be in force.
  • There is a waiting period of 60 days from the date of commencement / reinstatement of the cover. Waiting period will not be applicable in case of accidental injury
 
Critical Illness Benefit (CI)
  • Lump sum benefit equal to the 100% of the Sum Insured shall be payable in case the Life Assured is diagnosed with any of the 18 Critical Illness specified in the Sales Brochure
  • In respect of the Critical Illness Benefit, a 30 day survival period is applicable. This refers to the period from the diagnosis of the Critical Illness that the Life Assured must survive for the Critical Illness Benefit to be payable
  • Critical Illness Benefit will be payable only once during the entire policy term
  • Once the Critical Illness Benefit is paid, the benefit will cease for the Life Assured for the remaining policy term. However, other benefits (such as Daily Hospital Cash Benefit and Surgical Benefit) will continue to be in force
  • There is a waiting period of 90 days for Critical Illness Benefit from the date of commencement/ reinstatement of the cover, except in cases where the Critical Illness occurs as a result of an accident (e.g., Major Head Trauma)

5 What is the policy term available with this product?

There is a fixed policy term of 5 years. Further, you shall only pay premiums for the benefit(s) as long as the complete payout for the that benefit has not happened. The mediclaim policyholder shall have the option to choose one of the above plan options at the time of policy inception, only.

6 What are the premium payment frequencies available for this product?

You can choose to pay your premiums either annually (Regular Premium) or one time (Single Premium).

ARN: EU/07/21/24450