Features

Key


Protect your health in life’s next chapter

Your health needs care at every phase. GHI for Pensioner is a comprehensive health plan specially designed for Pension account holders.

BENEFITS - INDIVIDUAL OR FAMILY FLOATER


What’s Covered


Hospitalization Expenses

Covers medical expenses for In-patient treatments on medically necessary hospitalization of an Insured Person due to illness or injury.

Day Care Procedures

Pays for the medical expenses on hospitalization of Insured Person in hospital or Day Care Centre for day care treatment

Pre-Hospitalisation Medical Expenses

Pays for the pre-hospitalisation medical expenses incurred during the 60 days immediately before hospitalisation of an Insured Person Coverage –

Post-Hospitalisation Medical Expenses

Pays for the post-hospitalisation medical expenses incurred up to 180 days from the date Insured Person is discharged from hospital

Domiciliary Hospitalisation

Covers medical expenses incurred on domiciliary hospitalisation of the Insured Person prescribed by treating Medical Practitioner

Organ Donor Expenses

Covers medical expenses towards organ donor’s hospitalisation for harvesting of the donated organ where an Insured Person is the recipient.

Road Ambulance Cover (India only)

Expenses incurred on transportation of insured person to a hospital for treatment in case of an emergency, subject to a maximum of the amount stated in the plan opted

Cumulative Bonus

Cumulative Bonus of 10% increase in sum insured subject to maximum of 100 % of sum insured.

Hospital Cash -Accident

Only Pays per day benefit for medically necessary hospitalization within India due to accidental injury subject to maximum of number of days mentioned in policy schedule for each continuous and completed period of 24 hours of Hospitalization in a policy year

Hospital Cash - Illness Only

Pays per day benefit for medically necessary hospitalization within India due to Illness subject to maximum of number of days mentioned in policy schedule for each continuous and completed period of 24 hours of Hospitalization in a policy year Co-payment A Co-payment of 25 % will apply separately for each and every claim under this cover

Waiting Period

  • General: 30 Days

  • Specified Diseases / Procedures: 24 Months

  • Pre-existing Diseases: 36 Months

Majors Exclusions

  • War or any act of war, invasion, act of foreign enemy, Nuclear, Chemical or Biological attack or weapons, radiation of any kind

  • Congenital external diseases, defects or anomalies

  • Any Insured Person committing or attempting to commit intentional self-injury or attempted suicide or suicide

  • Any Insured Person’s participation or involvement in naval, military or air force operation

  • OPD treatment

Terms & Conditions apply.

​​​​​​​Please visit your nearest HDFC Bank Branch