Insurance Covers on HDFC Bank Debit Card

Please note, claims under Personal Accidental Death Insurance to be accepted and processed, the Cardholder should have carried out at least 1 transaction (POS / PG) using your Debit Card in last 30 days.

Personal Accidental Death Cover (Rs)	Platinum Debit Card (Classic / Preferred / Imperia / Platinum / Vishesh)	Times Points Debit Card / Millennia Debit Card / Rupay Premium and Rupay NRO Debit Card	GIGA Business Debit Card/ Business Debit Card	Rewards Debit Card / Gold Debit Card / Womans Debit Card	Criteria
Free Accidental Base Cover (Airline/Rail / Road)	Rs. 5 Lakhs	Rs. 5 Lakhs	Rs. 5 Lakhs	Rs. 5 Lakhs	(For Rail/Road: One shopping transaction POS/PG in last 30 days) (For Airline: Only valid on domestic air tickets purchased using HDFC Bank Debit Card)
Accelerated Insurance Cover (Airline/ Rail / Road	Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.5 Lakhs basis Spend Criterion. (Upto Rs.7 lakhs for HNW Plantinum basis Spends Criterion)	Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.5 Lakhs basis Spend Criterion	Base Cover of Rs.5lakhs + Accelerated Cover Upto Rs.5 Lakhs basis Spend Criterion	NA	Last twelve month Spends based criterion
*Accidental Air Insurance Cover (International Travel)**	Rs. 3 Crore	Rs. 1 Crore	Rs. 1 Crore	Rs. 25 lakh	Valid on International Air Tickets purchased using HDFC Bank Debit Card***

* For International travel outside India.

Important: Claim Process

In order to claim the Personal Accident Death Cover, the claimant (nominee of the customer’s account / legal heir) should submit the below mentioned documents within 1 month of Cardholder’s death, at any nearest HDFC Bank branch.

Claim form/ Request letter from the nominee of the account/ legal heir
Death summary from the hospital. (if card holder admitted to hospital)
Postmortem Report
Death Certificate issued by municipal authorities.
Final police inspection report.
Bank Statement, 1 year prior to date of loss (1 year in case of platinum & 6 months in case of gold cards)
Nominee details of the cardholder
Indemnity Bond on the stamp paper.
Relationship proof of nominee with the cardholder.
KYC documents for card holder and nominee both(Photo ID & address proof)
NEFT details of the nominee.

The branch would guide further on the process to be followed.

*Terms & Conditions as per Cardholder’s agreement applicable