ASSIGNMENT ON

INSURANCE
SCHEMES OF HDFC
SUBMITTED BY:PRANAY
MAYANK
HIMANSHU
ADITYA
SUMIT

SUBMITTED TO:GUNJAN MAM

Motor Insurance
These days, travelling via vehicle is inevitable &
a routine for most of us. Hence security becomes
necessity in case of vehicle damage, loss of
vehicle, third party liability, etc. A Motor insurance
safeguards your finances and gives you the
desired coverage in the event of such incidents.
Secure your vehicle from financial liabilities or
loss of motor vehicle that you may face with our
Motor Insurance plans.

TYPES OF MOTOR INSURANCE

1.PRIVATE CAR INSURANCE
2.TWO WHEELER INSURANCE
3.COMMERCIAL VEHICLE

Private Car Insurance

Private Car insurance ensures that you and your car stay safe and
secured. Private Car Insurance has to be one of the first things you
buy after your car.

Features Of Private Car Insurance:Accident by external means

Burglary, House Breaking Theft
Fire, Explosion, Self Ignition, Lightning
Terrorism, Riots, Strikes, Malicious Acts
Transit by road, rail, inland waterways, air or lift
Earthquake, Flood, Storm, Landslide or Rockslide

2 Wheeler Insurance
2-wheeler is most commonly a prized possession for Indians.
Whether you go to work or to a nearby grocery store, a motorbike
proves to be a mode of convenience. It becomes the favorite mode
while traversing the traffic-struck roads.

Features
Liability To Third Parties
The two wheeler insurance policy would also cover your legal liability
arising out of an Injury / Death of a third party and Property Damage of
a third party incase of an accident involving your vehicle.

Personal Accident Cover For Owner - Driver

The two wheeler insurance policy also provides for a mandatory
Personal Accident Cover For Owner Driver for an amount of Rs. 1 Lac
Covering Accidental Death and Permanent Total Disability.

Commercial Vehicle
Any damages to your commercial vehicles might hamper your
business activities. In order to safeguard your financial liabilities
while your commercial vehicle stands damaged and to ensure that
your business keeps going.

Features
Loss or damage to the vehicle insured caused by any one of the
following events:
Accident by external means
Burglary, House Breaking or Theft
Fire, Explosion, Self Ignition, Lightning
Terrorism, Riots, Strikes, Malicious Acts
Transit by road, rail, inland waterways, air or lift
Earthquake, Flood, Storm, Landslide or Rockslide

HEALTH INSURANCE
Medication and hospitalization play a substantial role while
ensuring the health of a family. Rising medical treatment costs
and soaring medicine prices are enough to drain your savings, if
not well prepared. When someone in the family is hospitalized, all
you wish to focus on is the health recovery without looking at the
finances. A Health insurance acts as a protection measure of
saving your finances in the event of you or your family member
getting hospitalized.

Key Highlights
Optimized health insurance plans at affordable rates
Option to choose Individual or Family Floater Health Insurance
Choose a health insurance plan from either an annual policy or a
two year policy

Get a Cumulative Bonus on completion of every claimless year

Health check-up not mandatory for individuals below 45 years of
age
Get benefits on Income Tax under Section 80D of the Income Tax
Act
No Sub-limits on hospital room rents, hospital expenses, specific
diseases and doctor fees.

Exclusion Policy
. War or any sort of armed conflicts.
Breach of any law with an intent of crime
Suicide attempts/ Suicide, injuries due to an act of self-destruction or selfinflicted injury
Terrorist activities, radioactivity or war
Claims for illnesses arising due to intoxication of Drugs and Alcohol
AIDS / HIV

Home Insurance
Home is where the heart is, as rightly said. A home is the place of
innumerable memories; no money is better spent than what is
invested on your home. Thus safeguarding your home from
unforeseen events becomes a priority and the best way can be
securing with home insurance.

Home Insurance Plan

With HDFC Home Insurance Policy, we can choose to cover the
structure of your home only or include the household contents as
well in a single policy with minimum documentation
The policy covers:
Fire and Special Perils: Building(Section I) and Contents(Section IA)
covers the structure of your home and contents against
Fire, Lightning, Explosion/Implosion, Aircraft Damage
Riot, Strike, Malicious and Terrorist Damages

Bursting and overflowing of water tanks, apparatus, pipes

Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado,
Flood and Inundation
Earthquake, Volcanic Eruption & other Convulsions of Nature
Impact damage by rail/road vehicle and animal
Subsidence and Landslide including Rockslide
Missile testing operations

Personal Accident Insurance

Accidents are unforeseen and inevitable. Such mishaps take only
seconds to turn life upside down. Moreover, the impact is felt on
the emotional as well as financial grounds. It can even drain your
lifetime savings, leaving your family in a difficult situation without
resources or help. Hence, securing your familys future & enabling
their basic day-to-day needs in your absence becomes utmost
priority for you.
A Personal Accident Insurance ensures the financial stability for
you and your family in the event of an accident. The policy covers
death of individual, physical injuries and bodily burns.

Features
Accidental Death If the physical injuries due to an accident
leads to death of the insured, 100% of the Policy Sum Insured is
reimbursed

Permanent Total Disablement If the physical injuries due to an accident

results in permanent disablement, then up to 100% of the Policy Sum Insured is
payable to the insured
Broken Bones If the physical injuries to the insured results in bone fractures,
then up to 10% of Policy Sum Insured is payable under the policy
Hospital Cash (Illness & Accident) In the event of insureds accident or illness,
a daily assistance for hospitalization up to 45 days is provided
Burns If an accident results in hospitalization of the insured and treatment of
burns, up to 5% of Policy Sum Insured is payable
Ambulance ExpenseAmbulance costs incurred on the insured post-accident
are reimbursed as per the policy

Exclusions

Intentional acts
Injuries from Civil or Foreign Wars
Accidents resulting due to Alcohol/Drug influence
Accidents while riding a two-wheeler of more than 150 cc
Injuries during active involvement in violent public disorder /labour disturbance
Injured on duty with military/police force or a paramilitary organization
Injuries resulting from participation in unsafe sports

Travel Insurance
To make sure that our vacation is a complete success, travel
insurance is an absolute necessity. Your trip abroad should be
without hassles and worries, and a comprehensive travel insurance
policy provides you with the same. Whether you lose your baggage
or passport, or even need some medical support on your trip,
overseas travel insurance will make sure you get what you need.

Entry Age
Single Trip: 6 months to 70 years
Annual Multi Trip: 18 years to 70 years
Single Trip Asia Excluding Japan: 6 months to 70 years

Family Floater

Self : Upto the age of 60 yrs

Spouse : Upto the age of 60 yrs
Child : Max 2 from 3 months upto the age of 21 yrs

Rest assured on Our Travel Claims Support Team on call 24*7

Optimum coverage at low costs
Online purchase option available
General covers available across all our plans are as follows
Emergency Medical Expenses: Covers medical costs incurred due to
illness or accident including medically necessary and prescribed
emergency evacuation. It covers outpatient, in-patient, medical aid,
therapies and diagnostic tests as described in the policy schedule
Emergency Medical Evacuation: Evacuation to the home country is
covered up to the medical sum insured chosen
Repatriation of remains: Covers the funeral expenses or expenses of
repatriating the remains back to India, in case of death of the insured
overseas
Emergency Dental Expenses: Covers acute anesthetic treatment of
natural teeth
Hospital Cash: Pays a daily allowance as stated in the policy schedule in
the event of hospitalization either due to sickness or accidents