HDFC Bank Terms & Conditions 1. Accidental Hospitalization Cover If the first holder of the SavingsMax account is hospitalized for a minimum period of 24 hrs on the advice of a doctor because of accidental bodily injury sustained during the policy period, then the insurance company will reimburse, reasonable and customary medical expenses incurred upto a maximum sum of Rs. 1,00,000/-. This includes the reasonable charges incurred on the advice of a doctor as an in-patient in a hospital for accommodation, nursing care, the attention of medically qualified staff, undergoing medically necessary procedures and medical consumables. Accidental hospitalization reimbursement cover will be payable by the insurance company till the sum insured of Rs. 1,00,000/- is exhausted under one policy period of the bank with the insurance company, which is subject to renewal annually. The accident will be covered only if it requires hospitalization of more than 24 hrs. This is a Reimbursement cover valid only in India. This cover is applicable for resident individuals only. It will not be applicable to Non-Individual entities.   2. Accidental Hospital Cash It provides cash benefits for each completed day of hospitalization & can be claimed if the customer is hospitalized due to an accident for more than 24 hrs. This is meant to cover expenses for which bills cannot be produced It is limited to Rs. 1,000/- per day for a maximum of 15 days per year, per person. ‘Day’ for this purpose shall be every completed (24 hours) of hospitalization Accidental hospital cash will be payable by the insurance company till 15 days are exhausted under one policy period of the bank with the insurance company, only in the situation where claim under Accidental hospitalization has been accepted   3. Claim Procedure In the event of Accidental hospitalization of the first holder of the SavingsMax account, the claimant/claimant’s representative to approach the account branch, and the branch would guide the customer on the documents required. On the receipt of these documents by the branch, as a special gesture for our SavingsMax account holders, HDFC Bank would liase with the insurance company for processing the claim. However receipt of documents by the branch does not construe acceptance of claim. In the event of Accidental hospitalization, the claimant has to inform the account branch immediately. As per policy the insurance company needs to be informed (through the bank) within 30 days of the accident.   4. Disclaimer Insurance is the subject matter of solicitation and HDFC Bank is not responsible for any compensation or processing of claims or for any reason whatsoever Claims will be subject to the exclusions mentioned in the policy document Currently the policy is with HDFC ERGO Insurance Company Limited.