HDFC Life Easy Protect

Plan Options

HDFC Life Easy Protect is a non-linked, non-participating, individual, pure risk health product offered to individual lives. 

You have option to choose one or combination of the following Benefit Options: 

1. Base Benefits 

Plan Option 1: Terminal Illness with Protection Cover: Coverage for diagnosis of Terminal Illness & death of the Life Assured, up to the Sum Assured opted under this benefit.

Plan Option 2: Accident Total & Partial Permanent Disability: Coverage of Disability of Life Assured, as described in definition section , up to the Sum Assured opted under this benefit.

Plan Option 3: Accidental Death Benefit: Coverage of death of the Life Assured, as described in definition section , equal to the Sum Assured opted under this benefit.

Accidental Death Benefit can only be opted if the policyholder opts for either Plan Option 1 or Plan Option 2.

One or more plan options can be selected at policy inception. 

2. Optional Benefits^{^^}

A. Double Benefit: Benefit amount will be doubled if the Accidental Death or Accidental Total & Permanent Disability occurs under any of the defined terms in Policy.

B. Accident Plus: This benefit can be opted only with Accident Total & Partial Permanent Disability, if opted, the following benefits will be payable:

Vehicle/Home Modification Benefit

Physical/Occupational Therapist Benefit

3. Wellness Program

Welcome to our Wellness Program, designed to help you meet your goals to adopt healthier lifestyle. As part of your policy, you can enjoy built-in benefits that can be accessed seamlessly via our easy-to-use mobile app. 

Please note: All the benefits adhere to specific terms, conditions, and exclusions outlined in this Policy document.

The Policyholder can: 

1. Choose any or a combination of the above base benefits;

2. Choose Add-on & Optional benefits along with the base benefits.

1. Base Benefits

Plan Option 1: Terminal Illness with Protection Cover

• Death Benefit

In the unfortunate event of death of the Life Assured during the policy term, a lump sum amount is payable as Death Benefit. The death benefit is highest of:

• Sum Assured of this plan option

• 10 times the Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay

• 105% of the Total Premiums Paid

In lieu of lump sum benefit amount for Death Benefit, the Nominee may opt to receive benefit as: 

(i) Regular monthly income payable for 10 years, or 

(ii) Part of benefit amount as lump sum immediately on Death and the balance benefit amount as regular monthly income for 10 years.

The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on the date the claim is made.

Upon payment of Death Benefit, the policy shall terminate.

• Terminal Illness Benefit

On Diagnosis of Terminal Illness

On diagnosis of specified terminal illnesses, the death benefit, up to a maximum limit as per Board Approved Underwriting Policy, would be accelerated. In case of diagnosis of terminal illness at ages greater than 80 years, death benefit will not be accelerated.

Upon payment of Terminal Illness benefit:

• If Death Benefit at the time of claim is equal to Terminal Illness benefit, the policy will terminate.

• If Death Benefit at the time of claim is greater than Terminal Illness benefit, the policy will continue for the balance Death Benefit.

The acceleration of Death Benefit is not an additional benefit; it only facilitates an earlier payment of Death Benefit on diagnosis of terminal illness.

Plan Option 2: Accident Total & Partial Permanent Disability

a) Accidental Total & Permanent Disability (ATPD)

Accidental Total & Permanent Disability means, disability of the Life assured as a result of bodily injury caused by an Accident and such injury shall within 180 days of its occurrence solely, directly and independently of any other cause, result in the Life Assured’s disability which must be permanent and total and must result in one of the following:

(i)  Complete and irrecoverable loss of vision in both eyes

(ii) Loss of both arms or both hands

(iii) Loss of one arm and one leg

(iv) Loss of one arm and one foot

(v)  Loss of one hand and one foot

(vi) Loss of one hand and one leg

(vii) Loss of both legs

(viii) Loss of both feet

(ix) Loss of one limb, and complete and irrecoverable loss of vision in one eye

The disability must have lasted, without interruption, for at least six consecutive months and must, in the opinion of a qualified & registered Medical Practitioner, be deemed permanent and if required, the Company shall subject the insured to an independent medical assessment.

On the Total & Permanent Disability of the Life Assured due to an Accident i.e. Accidental Total & Permanent Disability (ATPD) during the coverage period, the benefit payable shall be highest of:

• Sum Assured of this plan option

• 7 times the Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay

• 105% of Total Premiums Paid

This benefit will be payable as Regular monthly income equal to 1% for a fixed period of 10 years.

If Accidental Total & Permanent Disability (ATPD) occurs after Accidental Partial & Permanent Disability (APPD), then 1% of the remaining amount (100% of ATPD benefit for the plan option less APPD benefit) shall be paid as a regular monthly income for 10 years.

b) Accidental Partial & Permanent Disability (APPD)

Accidental Partial & Permanent Disability means, disability of the Life assured as a result of bodily injury caused by an Accident and such injury shall within 180 days of its occurrence solely, directly and independently of any other cause, result in the Life Assured’s disability which must be permanent and must result in one of the following:

(i) Complete and irrecoverable loss of vision in one eye 

(ii) Loss of one leg

(iii) Loss of one foot

(iv) Loss of one arm

(v) Loss of one hand

(vi) Complete and irrecoverable loss of hearing in both ears

(vii) Amputation of 4 or more fingers in one hand OR Metacarpal Amputation in one hand 

The disability must have lasted, without interruption, for at least six consecutive months and must, in the opinion of a qualified & registered Medical Practitioner, be deemed permanent; and if required, the Company shall subject the insured to an independent medical assessment. 

In case of Partial & Permanent Disability caused by an accident the benefit amount shall be a 50% of the ATPD benefit.

In lieu of lump sum benefit amount for Accidental Partial & Permanent Disability, the Life Assured may receive benefit as: 

• Regular monthly income for 10 years, or 

• Part of Benefit amount as lump sum and the balance benefit amount as a regular monthly income for 10 years

The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on or before the claim is made.

50% of Sum assured will be payable on Accidental Partial & Permanent Disability, only one Accidental Partial & Permanent Disability (APPD) claim will be payable.

Once the maximum benefit (100% Sum Assured of Plan option 2) is claimed, the coverage shall terminate.

Plan Option 3: Accidental Death Benefit

In the event of death due to accident, a lump sum benefit which is the highest of below shall be payable:

• Sum Assured of this Plan Option

• 7 times the Annualized Premium for Limited/Regular pay and 1.25 times for Single Pay

• 105% of the Premiums Paid 

“Accidental Death” means a death due to an Accident, and such an Accident shall within 180 (one hundred and eighty) days of its occurrence, solely, directly and independently of any other cause, results in the Life Assured’s death.

In lieu of lump sum benefit amount for Accidental Death, the Nominee may opt to receive benefit as: 

i. Regular monthly income payable for 10 years, or 

ii. Part of benefit amount as lump sum immediately on Accidental Death and the balance benefit amount as regular monthly income for 10 years.

The choice of benefit pay-out as lump sum or income or combination thereof can be exercised on or before the claim is made.

Upon payment of Accidental Death Benefit, the policy will terminate.

3. Optional Benefits^{^^}: 

On choosing any of the below options, as the Policyholder, you will have to pay an additional Premium over and above the Premium amount payable for the policy

A. Double Benefit:  

This option is only available for Plan Option 2 (Accident Total & Partial Permanent Disability) & Plan Option 3 (Accidental Death Benefit).

If this cover is opted, the benefit payable under Accidental Total & Permanent Disability Benefit (ATPD) or Accidental Death Benefit will be doubled if the death or disability due to accident occurs under any of the following circumstances: 

1. Train Accident

2. Airplane Accident

3. Stampede/Fire

Train Accident

Double Benefit on Accidental Total & Permanent Disability or Accidental Death due to Train Accident will be payable only if the Life Assured is travelling as a bona fide fare-paying passenger on a reserved ticket in any passenger carrying train of Indian Railways. The passenger’s name must be there in the Reserved Ticket List/Chart prepared by Indian Railways. Train Accident, herein, means an “accident’ of the nature described in Section 124 of Indian Railways Act,1989.

Airplane Accident

Double Benefit on Accidental Total & Permanent Disability or Accidental Death due to airplane accident will be payable only if the Life Assured is travelling in an airplane as a bona fide fare-paying passenger of a recognized airline flying on regular routes and on a scheduled timetable. Apart from airplane, any other mode of air travel is excluded.

Double Benefit on Stampede/ Fire

Stampede or fire at large public places 

• Double Benefit on Accidental Total & Permanent Disability or Accidental Death due to stampede or fire at large public places will be payable subject to satisfying all of the below conditions.

• ATPD or ADB is caused directly, solely, and independently (of any other cause) by a stampede or fire Public Places will be limited only to hospitals, malls/shopping complexes, cinema halls, multiplexes, bus stations, railway stations, airports, sports complex/stadiums. 

• The Public Place must be in India and must have been authorised by appropriate government authority for public use. 

• The Public Place must have a valid license for public use at the time of the event. 

• The occurrence of the event (Stampede or Fire) must be recognised and acknowledged by the appropriate government department/authority. 

• The insured’s name must be present in the disabled persons’ list published by the appropriate government department/authority following a stampede or fire at large public places.

• Failure to satisfy any one of the above conditions shall render the claim for Double Benefit inadmissible.

Stampede or fire at public religious gatherings

• Double Benefit on Accidental Total & Permanent Disability or Accidental Death due to stampede or fire at public religious gatherings will be payable subject to satisfying all of the below conditions. 

• ATPD or ADB is caused directly, solely, and independently (of any other cause) by a stampede or fire. 

• Public Religious gathering must have valid written permission from appropriate government authority.

• Public Religious gathering must have been conducted/supervised/monitored by appropriate government department/authority throughout its duration.

• Any kind of private/personal religious gathering is excluded.

• The occurrence of the event (Stampede or Fire) must be recognised and acknowledged by the appropriate government department/authority. 

• The insured’s name must be present in the disabled persons’ list published by the appropriate government department/authority following a stampede or fire at public religious gatherings. 

Failure to satisfy any one of the above conditions shall render the claim for Double Benefit inadmissible.

Note: This optional benefit is only available if, Accident Total & Partial Permanent Disability or/and Accidental Death Benefit has been opted.

B. Accident Plus: 

If opted, the following benefits will be payable:

1. Vehicle/Home Modification Benefit: If a claim has been accepted and paid for Accidental Total & Permanent Disability or Accidental Partial & Permanent Disability then an additional 10% of the ATPD/APPD claim amount shall be payable for modifications of Life Assured’s vehicle or home to adjust to the disablement.

2. Physical/Occupational Therapist benefit: If a claim has been accepted and paid for Accidental Total & Permanent Disability or Accidental Partial & Permanent Disability then an additional 10% of the ATPD/APPD claim amount shall be payable for the cost of physical/occupational therapist, if prescribed by a medical practitioner.

Note: This optional benefit is only available if Accident Total & Partial Permanent Disability Benefit has been opted.

3. Wellness Program

This program is intended to help reduce out-of-pocket medical expenses and support you in maintaining a healthier lifestyle. It provides access to benefits such as expert consultations, prescribed diagnostic tests, preventive care, and a range of wellness services, aimed at promoting overall well-being.

The benefits under this program are subject to the availability of services within the empaneled service providers’ network.

Seamless Access & Updates 

The services shall be provided through our designated digital platform, enabling seamless access and convenience at the life assured’s fingertips. 

The digital platform shall keep the life assured informed of all available service offerings and any updates thereto, ensuring continuous access to the latest information.

Autonomy and Responsibility

All health-related decisions remain solely with the life assured. While we facilitate access to reputed service providers through the digital platform, the selection of such providers and all risks associated with their services rest exclusively with the life assured.

All services are facilitated through our carefully selected service providers to ensure quality and availability at the time of booking. However, any unused consultations, tele-consultations, vouchers, or sessions must be utilised within the same benefit year in which they are accrued and shall not be carried forward to the next policy year. The life assured retains full discretion to choose which services to avail, based on individual needs and preferences.

We are pleased to enable such access; however, we shall not be liable for any services rendered by third-party providers. For any ongoing or persistent health concerns, consultation with a qualified Medical Practitioner is strongly recommended.

Please note: All the benefits adhere to the specific terms, conditions, and exclusions outlined in this policy document.

Scan the QR code to download the application 

Know your wellness benefits 

These benefits are specified below: 

1.  Health Wallet

The premium paid by the life assured under this product is allocated to a dedicated health wallet for utilisation towards the eligible services specified below. 

a.) OPD (In-clinic consultation) Cover

Under this benefit, we shall cover expenses incurred towards consultations with medical professionals, which may be availed either on a cashless basis through service providers or, where such providers are not available within the vicinity, on a reimbursement basis.

General Consultation Cap: Mentioned in the table below

• Specialist Consultation Cap: Mentioned in the table below

• This benefit excludes investigations, medications, and any minor procedures or treatment.

b.) Prescribed Lab & Radiology Services

Under this benefit, we shall cover necessary diagnostic tests prescribed by registered medical practitioners, either through home sample collection or assisted lab booking facilitated by the service provider network.
Coverage Cap: Mentioned in the table below

• Cashless Service: The service shall be availed on a fully cashless basis through empanelled network partners, exceptional reimbursement shall be permitted only where the network is unavailable.

• Reimbursement Conditions: The life assured shall contact the service provider’s customer support to initiate a booking request. Where the network is unavailable, reimbursement shall be unlocked as an exception. 

• A valid prescription, lab invoices, and lab reports from registered laboratories shall be required.

• This benefit excludes non-prescriptive diagnostic tests and preventive health checks. 

c.)  Fitness Support Benefit

The life assured may access curated fitness programs, including gym memberships, Zumba classes, and yoga sessions, through the empanelled service provider network.
Coverage Cap and Access: Mentioned in the table below 

• The coverage excludes personal training, sports coaching, fitness equipment, merchandise, and non-health-related subscriptions.

d.)  Prescribed Vaccination Cover

The life assured shall be entitled to prescribed vaccinations and travel only vaccinations (yellow fever, Japanese encephalitis, Meningococcal vaccine) recommended by a registered medical practitioner and approved by WHO.

Coverage Cap and Access: Mentioned in table below

• Services shall be availed on a cashless basis through network providers; reimbursement shall be permitted where network access is unavailable.

• Reimbursement Conditions: The life assured shall contact the service provider’s customer support to raise a vaccination booking request. In the event the service provider network is unavailable, reimbursement shall be enabled as an exception. A valid prescription shall be required. 

• The coverage excludes non-prescribed vaccines, unless medically indicated, and administration fees beyond prescribed limits.

e.)  Prescribed Pharmacy Cover

The Life Assured may order prescribed medicines through the empanelled pharmacy network, based on a valid prescription issued by a registered medical practitioner.

Coverage Cap and Access: Mentioned in table below

• Mode of Access: Services shall be availed entirely on a cashless basis through network pharmacies.

• The coverage excludes OTC products, supplements, cosmetics, alternative medicines unless prescribed, and non-medical consumables. 

Care Booster

Upon the diagnosis of a terminal illness or the occurrence of an accidental permanent disability, the existing Health Wallet allocation shall be enhanced to ten (10) times of the initial Health Wallet allocation to support increased healthcare needs. This enhanced allocation shall be available for a period of three (3) years, subject to the Policy remaining in force. In the event the Policy terminates earlier, the enhanced benefit shall also cease. Upon completion of the three (3) year enhancement period, the Health Wallet allocation shall revert to its normal value.

Coverage Cap: Limits applicable under the standard health wallet shall apply.

• Mode of Access: Mode of access shall remain the same as the health wallet.

• Exclusions: The benefit amount shall not be convertible into cash and shall not be utilised for any non-medical purpose.

1. Fixed Wellness Benefits: 

These benefits provide access to the services specified below, spanning preventive wellness, lifestyle support, and targeted care for specific conditions, thereby helping the life assured maintain overall well-being and proactively manage health needs.

a) Preventive Health Counselling

The life assured may avail preventive health counselling, wellness guidance, lifestyle and risk-factor awareness counselling, and general health advisory session services provided by registered medical practitioners on our digital platform.

Mode of Access: Entirely cashless through empanelled network service providers. The Preventive Health Counselling Benefit is non-transferable and may be availed only by Covered Member. If the benefit is not utilised during the Policy Year, it shall lapse and shall not be carried forward.

Diagnostic tests, medicines, procedures, or treatment-related services are excluded from the scope of this benefit.

b) Tele-consultations

The life assured may avail virtual consultations with medical practitioners across multiple specialities, in accordance with the Telemedicine Practice Guidelines, 2020. 

Mode of Access: Consultations shall be availed entirely on a cashless basis.

Coverage Cap: Unlimited consultations annually; Only one tele-consultation session permitted at a time, maximum of 3 per day.

c) Diet & Nutrition Consultation

The life assured shall be entitled to virtual consultations with certified dieticians and nutritionists to support dietary and wellness goals.
Mode of Access: Services shall be availed entirely on a cashless basis.

Coverage Cap: Unlimited consultations annually 

d) Mental Wellness

The life assured may avail consultations with qualified psychologists for mental-wellness support.
Mode of Access: Services shall be availed entirely on a cashless basis.

Coverage Cap: Unlimited consultations annually 

The benefit excludes medications, hospitalisation-related services, and non-clinical coaching services.

e) Annual Preventive Health Check-Up

The life assured may avail comprehensive health check-up vouchers annually for tests including but not limited to CBC, KFT, LFT, and other preventive health parameters.

• Coverage Cap: One voucher shall be available annually.

• Mode of Access: Services shall be availed on a cashless basis through
network service providers; exceptional reimbursement may be permitted where network access is unavailable.

• Reimbursement Conditions: Reimbursement of up to ₹2,000 shall be permitted for non-network location services to ensure accessibility. The life assured shall contact customer service and raise a request for booking. In case the network is unavailable, reimbursement shall be enabled as an exception.

f) Cancer Screening

 The life assured may avail preventive cancer screening tests (with PSA, CA 19.9 and CEA available for males, and CA 125, CEA and CA 19.9 available for females).

• Coverage Cap: One voucher shall be available once every two years.
  Mode of Access: Services shall be availed entirely on a cashless basis through empanelled network partners; exceptional reimbursement may be permitted where network access is not available.

• Reimbursement Conditions: Reimbursement of up to ₹2,500 shall be permitted for services availed at non-network locations to ensure accessibility. The life assured shall contact the service provider’s customer service team to raise a booking request. In the event of network unavailability, reimbursement shall be unlocked as an exception.

• The benefits exclude diagnostic follow-ups, biopsies, treatment-related services, and hospitalisation.

g) Chronic Care Management

The life assured  may avail key health metrics tracking, health-goal assistance, and voluntary interventions to manage chronic health conditions like diabetes, cardiac conditions, thyroid disorders and liver disorders.
•Coverage Cap: An additional Health Wallet unlock amounting to ₹5,000 shall be provided.
• Per Transaction Cap: As applicable under the Health Wallet.
• Mode of Access: As applicable under the Health Wallet.
• Reimbursement Conditions: Reimbursement shall not be permitted under this Benefit.
• Exclusions: Hospitalisation, emergency care, and the cost of medicines or diagnostics unless explicitly covered shall be excluded.

Please log in using your registered mobile number on the HDFC Life digital platform using QR code given in the policy to access details of the Chronic Care Management program.

h) Dental Wellness

The covered beneficiary may consult a medical practitioner of choice and utilise a wallet of up to ₹5,000 for below stated procedures. 

• Mode of Access: Entirely cashless through network providers.
• Exclusions: If the dental benefit is not availed within the policy year, it shall lapse and cannot be carried forward.
• The benefit is non-transferable.
• The benefit amount is capped at ₹1,000 per transaction.

i) Physiotherapy Services

The life assured may avail digital and in-person physiotherapy sessions prescribed by a registered medical practitioner.
• Coverage Cap: Six digital vouchers and six in-person vouchers.
• Mode of Access: Entirely cashless, through in-clinic or virtual sessions via network providers.

j) Prescribed Vision Care

The life assured may avail prescribed vision care services including standard prescribed spectacles (single vision, bifocal, or basic progressive lenses) and medically prescribed corrective lenses available with the network.

• Coverage Cap: ₹2,500 once every three years starting from the third policy year.
• Mode of Access: Entirely cashless through network partners.

k) Pregnancy Care

Under this benefit, an additional health wallet unlock amounting to ₹5,000 shall be provided to the life assured to offer care and reassurance through the maternity journey.
• Per Transaction Cap: As applicable under the health wallet.
• Mode of Access: As applicable under the health wallet.
• Reimbursement Conditions: Reimbursement shall not be permitted under this Benefit.
• Exclusions: Hospitalisation, emergency care, and the cost of medicines or diagnostics unless explicitly covered shall be excluded.

3.  360-degree Wellness: 

This benefit shall cover network-linked wellness discounts and concierge assistance services aimed at supporting comprehensive, end-to-end wellness.

a) Network Discount

The life assured may avail discounts on doctor consultations, diagnostics, pharmacy, nutritional supplements, smart device and vaccination purchases when services are booked on a cashless basis through network partners after exhaustion of the health wallet. 

• Exclusions: Discounts shall not apply to services availed from non-network providers.

b)  Health Concierge

Health Concierge Services offer assistance and facilitation to the life assured in accessing select healthcare related services. These services are purely facilitative, and do not include coverage of any service costs. All assistance shall be provided on a best-efforts basis through third-party service providers. The Insurer shall not guarantee availability, quality, timelines, or successful completion of bookings.

Scope of Services under Health Concierge

i)  Home Nursing Assistance

This benefit shall provide assistance in identifying and coordinating trained nurses or caregivers for home-based care through telephonic or digital support, with all service fees payable directly by the life assured.

• Exclusions: Nursing fees, medical procedures, consumables, and supervision of care are excluded.

ii)  Hospitalization Support

This benefit shall provide non-clinical assistance such as hospital identification, admission coordination and documentation support for planned or emergency hospitalisation, delivered through telephonic or on-ground support wherever available, with all hospital bills and medical expenses payable directly by the life assured. This benefit is available exclusively at network hospitals.

• Exclusions: Medical advice, treatment decisions, and any financial coverage for hospitalization are excluded.

iii)  Medical Equipment Assistance

 This benefit shall facilitate the rental or purchase of medical equipment such as oxygen concentrators, wheelchairs, and hospital beds through coordination with third-party vendors, with all equipment costs, delivery, installation and maintenance charges payable directly by the life assured.

• Exclusions: The Insurer shall not be responsible for product quality, servicing, warranties, or vendor performance.

iv) Assisted Living Support

This benefit shall provide assistance in identifying assisted-living or elder-care facilities through telephonic or digital coordination, with all admission, accommodation, care and ancillary charges payable directly by the life assured.

• Exclusions: Reservation guarantees, admission approval, and quality assurance of facilities are excluded.

c) Ambulance Cover

• The life assured may avail road ambulance services for medically necessary emergency transportation. This benefit is available exclusively at network hospitals.
• Coverage Cap: ₹2,000 annually.
• Mode of Access: Entirely cashless.
• Exclusions: Air ambulance services and non-emergency transportation shall be excluded.

4. Digital Health Benefits: These services provide seamless access to medical records, preventive health information, personalised assessments, and instant wellness indicators ensuring convenience and ease of access at the fingertips of the life assured.

1. AI Face Scan

This benefit shall provide AI-based facial scans through our digital platform to offer wellness-related indicators and screening insights only, and shall not be construed as a diagnostic or medical tool.

2. Digital Health Vault

This benefit shall provide cloud-based storage to the life assured to securely maintain medical records, reports and prescriptions at one place. 

3. Health Content & Blogs

This benefit shall provide access to preventive-health articles, blogs and pre-recorded video sessions and yoga sessions through the digital platform, with such content being purely informational and not constituting medical advice.

4. Health Risk Assessment

This benefit shall provide digital questionnaire-based health risk assessments for the life assured, generating a personalised health score with corresponding recommendations, while excluding any diagnostic confirmation.

Please note that: 

i. The above services are optional services made available to the life assured. The life assured shall exercise sole discretion with respect to:
a. availing such services; and/or
b. adhering to or following any course of treatment, medical advice, or recommendations provided by the respective service provider.

ii. All such services shall be rendered directly and independently by the designated third-party service providers. The Insurer shall have no role, control, or participation in the delivery, quality, or outcome of these services.

iii. As the services are provided by independent third-party service providers, the Insurer shall not bear, assume, or incur any liability, responsibility, or obligation, whether direct or indirect, arising from or attributable to the provision or non-provision of these services.

iv. The Insurer reserves the absolute right to modify, replace, discontinue, or substitute any Wellness Service and/or change, replace, or discontinue any service provider at any time, without prior notice.

v.In case Life Assured and Policyholder are different, services will be available to Life Assured only.