12/13/2018 :: HDFC BANK ::

Offer Details - Insurance On HDFC Bank Credit Card

Do minimum 4 transactions each of Rs.100 and above on your HDFC Bank Credit card in a
calendar month and be eligible for the below mentioned benefits in the following month:

Accidental Death - Cover for 5 times of your credit limit maximum up to Rs. 50,00,000/-

Purchase Protection - Fire & Burglary coverage for the items purchased above Rs. 5000/- using
Insured Credit Card of HDFC BANK (Up to 180 days) – Maximum Sum Insured being Rs.
2,00,000/-

Accidental Insurance:

On completing 4+ transactions using HDFC Bank Credit card in one calendar month, you will be
eligible for Accidental death insurance upto 5 times your credit card limit maximum up to Rs.
50,00,000/- for the subsequent month.

The Sum Insured for Accidental Death shall not exceed 5 times of the credit limit of the credit
card holder subject to maximum of Rs. 50,00,000/-

The cover is applicable for primary cards only.

For the card holder to be eligible for a claim, 4 Non ATM swipes / E Commerce transactions is
mandatory in the month prior to the month of date of accident.

Cardholder will be eligible for a valid claim in the month of policy inception with 4 Non ATM
swipes / E commerce transactions apart from the subsequent month coverage from the date of
accident.

The policy covers Accidental Death due to Rail or Road Accidents only.

The Personal Accident cover is on worldwide basis.

The following risk / perils have been explicitly excluded under the policy:

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Injury caused by surgery

Nuclear energy risk

Professional activities of police/ military personnel

Offshore activities

Suicide

Under Influence of Alcohol and/or Drugs.

How to claim?
Legal heir to intimate any accidental death event within 30 days at [email protected]

Legal heir should submit all relevant claims document within 60 days from date of loss
[email protected]

HDFC Ergo to check and revert within 3 working days for claims received if any additional
documents are required

If all the documents are as per the checklist, HDFC Ergo to process the claim and settle the
claim to claimant/customer’s account which has been provided along with the claim document

In case of claim repudiation the claimant will be provided with a repudiation letter with the
reason of repudiation by the Insurance Company.
What all documents are needed to be submitted?:
Duly filled and signed claim form

Customer to mention “HDFC Bank Credit Card Claim” in the right hand corner of the claim form
and leave the policy no: field empty

Medical documents and death summary from the hospital. (if the card holder is admitted to
hospital)

Postmortem Report (Medical office stamp mandatory in Post Mortem report

Death certificate issued by municipal authorities

Police FIR copy (Police station stamp mandatory in the copy)

Viscera Report/Chemical analysis Report/Histopathological Report if applicable

Last one month’s credit card statement prior to date of loss

Final Police investigation report(if applicable)

Credit card copy

If Claimant not registered provide legal heir certificate from collector office/civil court

KYC (Know your customer) form (all mark * are mandatory) and submit self signed KYC
documents as per checklist mentioned in the form, along with recent passport size photo

KYC documents for card holder and nominee both (Photo id and address proof)

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NEFT details of the nominee (Cancellation cheque printed name to be mentioned). If printed
name not available in nominee cheque copy, Please provide Bank statement or Pass Book for
account number verification
Purchase protection for Fire & Burglary Insurance

Coverage valid for 180 days post purchase and restricted to assets purchased above Rs. 5,000/-
using HDFC Bank Credit Cards.

For Personal Portable Equipments coverage limit Per Item is Rs. 25,000/-

For any other assets maximum Sum Insured of Rs. 2,00,000/-

Under the Fire and Burglary Protection, articles purchased through your insured HDFC Bank Credit
Card, provided the Cardholder undertakes to declare the value and date of purchase (First 180
days cover from the date of purchase of the articles), are covered. It is important for customer to
immediately report details of such loss or damage or injury to the Bank within 48 hours of the
incident.

The policy does not cover fire loss or damage to articles combustible in nature, motor vehicles /
pedal cycle deeds, bonds, bills of exchange, promissory notes, share certificates, business books,
manuscripts, document of any kind, unset precious stones, jewellery and valuables.

How to Claim?
Customer to intimate any loss event within 15 days at [email protected]

Customer should submit all relevant claims document within 45 days from date of loss at
[email protected]
What all documents are needed to be submitted?

In order to claim the Fire and Burglary Insurance, the cardholder needs to submit below mentioned
documents
Duly filled and signed Claim Form by claimant.

Customer to mention “HDFC Bank Credit Card Claim” in the right hand corner of the claim form
and leave the policy no: field empty

Police Acknowledgment of any kind / First Information Report. (Online FIR not valid)

Transactions Summary by claimant.

Charge slip copy or Invoice copy of damaged/lost item.

Credit card statement from 6 months prior to the Date of loss.

Mail or any communication required from mobile company about the SIM card blocking. ( Case
of Mobile lost/theft)
The Company hereby agrees subject to the terms, conditions and exclusions herein contained or
otherwise expressed herein, to pay to the Insured / Insured Person(s) a sum not exceeding the
Sum Insured / Limit of Liability, unless otherwise agreed by the Company, in respect of loss or
damage to the contents purchased by the Insured Person(s) through the use of the Credit Card
owned by the Insured Persons in accordance with the Sum(s) Insured and conditions as stated in
the schedule.

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We would also like to inform you that acknowledgement of insurance claim by HDFC Bank is not
an admission of liability. The claim received by HDFC Bank will be processed & investigated by the
Insurance Co. & their decision will be final & binding. HDFC Bank will not be liable for the decision
taken by the Insurance Co.

The Feature will be applicable on Retail and Business Credit cards effective from 1st
September,2018 till 31st August,2019

*Terms & Conditions as per Cardholder's agreement applicable.

Terms & Conditions:

The feature is applicable only on Retail and Business Credit cards

Card Holder/s whose account has been classified as delinquent before or during the currency of
the Program, or when the gift is to be collected, will not be eligible for the benefits of the
Program.

This offer is non-encashable, not extendable and non-negotiable.

Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account

This offer is valid for Indian residents and citizens only.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other
offers.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is
voluntary and the offer is being made purely on a “best effort” basis.

Above offers is by way of a special offer for select HDFC Bank Credit Card members only and
nothing contained herein shall prejudice or affect the terms and conditions of the Card member
agreement. The terms of the above offers shall be in addition to and not in derogation of the
terms contained in the Card members Agreement.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any
reason whatsoever, to add / alter / modify / change or vary all of these terms and conditions or to
replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to
extend or withdraw it altogether.

No two programs can be combined or benefits of two programs be combined at any point in
time,

KYC (Know your customer) form (all mark * are mandatory) and submit self signed KYC
documents as per checklist mentioned in the form, along with recent passport size photo

All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise
relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in
Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar
jurisdiction.

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