Terms and Conditions

1. Personal Accidental Death Cover on Salary Account - Covers accidental death resulting within 12 months from bodily injury due to accident only (including Mob fury / Riots / Encounter / Terrorist attack / Bomb Blast / Homicidal / Counter Insurgency) .The insurance cover is not applicable for whose death is caused by suicide or attempt to suicide, for Bodily Injury or Sickness occasioned by Civil War or Foreign War and for cases mentioned in Annexure I and all coverage of insurance are as per terms and conditions mentioned in the insurance policy, as per sole discretion of the insurance company. All the correspondence related to claim will then be directly taken up between the Insurance Co and the claimant with HDFC Bank Ltd acting as a facilitator

Eligibility: Cover provided only to the primary account holder. On the event date, the account holder

Is a bonafide employee (aged less than 70 years) of Indian Defence Personnel
Is holding a Defence Salary Account under the Corporate Salary Account Program with HDFC Bank and has received salary in HDFC Bank account in previous 3 months to the date of death
Should have carried out at least one purchase transaction using the Debit Card, within 6 months prior to the date of loss
In case of International Air Accidental Death claim ticket should have been purchased using Debit Card linked to Salary Account

Salary Slab Bucket	PADC Sum Assured
Salary <1 Lakh	50 Lakhs
Salary >=1 Lakh - <3 Lakhs	70 Lakhs
Salary >=3 Lakhs	80 Lakhs

Terms and Condition of Permanent Total Disablement and Permanent Partial Disablement

Permanent Total Disablement - The bodily injury, which is direct cause of permanently, totally and absolutely disabling the person insured from engaging in being occupied with or giving attention to any employment or occupation of any description whatsoever

Permanent Partial Disablement - The bodily injury which is the sole and direct cause of total and irrecoverable loss of use of or the actual loss by physical separation permanently incapacitating the Insured Person to the extent of 40% or more in aggregate

Basic Eligibility for Permanent Total / Partial Disablement

Cover provided only to the primary account holder.
On the event date, the account holder,

1. Is a bonafide employee (aged less than 70 years) of Indian Air force

2. Is holding a Salary Account under the Corporate Salary Account Program with HDFC Bank and has received salary credit in HDFC Bank account in previous 3 months

3. Should have carried out at least one purchase transaction using the debit card, within 6 months prior to the date of loss

4. Covers permanent disability resulting within 12 months from bodily injury due to accident only

Salary Slab Bucket	Total / Partial Disability Sum Assured
Salary <1 Lakh	Up to 50 Lakhs
Salary >=1 Lakh - <3 Lakhs	Up to 70 Lakhs
Salary >=3 Lakhs	Up to 80 Lakhs

Permanent Total Disablement & Permanent Partial Disablement

If such injury shall within Twelve (12) calendar months of its occurrence be the sole and direct cause of the total and Irrecoverable loss of

TABLE OF BENEFITS – TABLE (D)

The Disablement	Compensation Expressed as a Percentage of Total Sum Insured
1) Permanent Total Disablement	100%
2) Permanent and incurable insanity	100%
3) Permanent Total Loss of two Limbs	100%
4) Permanent Total Loss of Sight in both eyes	100%
5) Permanent Total Loss of Sight of one eye and one Limb	100%
6) Permanent Total Loss of Speech	100%
7) Complete removal of the lower jaw	100%
8) Permanent Total Loss of Mastication	100%
9) Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance	100%
10) Permanent Total Loss of Hearing in both ears	75%
11) Permanent Total Loss of one Limb	50%
12) Permanent Total Loss of Sight of one eye	50%
13) Permanent Total Loss of Hearing in one ear	15%
14) Permanent Total Loss of the lens in one eye	25%
15) Permanent Total Loss of use of four fingers and thumb of either hand	40%
16) Permanent Total Loss of use of four fingers of either hand	20%
17) Permanent Total Loss of use of one thumb of either hand:
a) Both joints	20%
b) One joint	10%
18. Permanent Total Loss of one finger of either hand: 1.Three joints 2.Two joints 3. One joint	5% 3.5% 2%
19) Permanent Total Loss of use of toes:
a) All – one foot	15%
b) Big – both joints	5%
c) Big – one joint	2%
d) Other than Big – each toe	2%
20) Established non-union of fractured leg or kneecap	10%
21) Shortening of leg by at least 5 cms.	7.50%
22) Ankylosis of the elbow, hip or knee	20%

DEPENDENT CHILD EDUCATION BENEFIT

If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in death within twelve (12) months of the Date of Loss, then the Company agrees to pay the education fees for the Insured Person’s surviving Dependent Child up to the amount stated in the Schedule.

Specific Conditions

To receive benefits under this Section, the Dependent Child must be in full time education at an accredited educational institution.
The Total Sum Insured is the total amount payable for all Dependent Children combined, not per person.

DEPENDENT DAUGHTER MARRIAGE BENEFIT

If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in death within twelve (12) months of the Date of Loss, then the Company agrees to pay the Marriage Benefit for the Insured Person’s surviving Dependent unmarried Daughter (Age more than 18 Years) up to the amount stated in the Schedule.

Specific Extensions

1. Disappearance: In the event of the disappearance of an Insured Person, following a forced landing, stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any time, after the payment of a benefit under this Section, it is discovered that an Insured Person is still alive, all payments shall be reimbursed in full to the Company.

2. Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.

2. Personal Accidental Death Cover on MoneyBack Debit Card/ Millennia debit card:

Please refer to Debit Card T&Cs.

https://www.hdfcbank.com/personal/pay/cards/debit-cards/debit-card-terms-and-conditions

3. Zero Liability on fraudulent Point of Sale usage on lost and stolen cards. Cardholder will receive the credit, with a hold marked for the disputed amount within 5 days of the submission of the required documents, ie,

Please refer to the T&Cs under Debit Card

https://www.hdfcbank.com/personal/pay/cards/debit-cards/zero-liability

4. Personal Accidental Death Cover on Salary Family Account – Covers accidental death resulting within 12 months from bodily injury due to accident only.

Eligibility: Cover provided only to the primary account holder.

On the event date, the primary account holder Is aged less than 70 years Is holding a Salary Family Account by virtue of his/her relationship with the salary account holder and such salary account is a zero balance account and has received salary credit in HDFC Bank Salary Account in prior 3 months
Should have carried out at least one purchase transaction using the debit card linked to family account, within 6 months prior to the date of loss In case of Air Accidental Death claim ticket should have been purchased using Debit Card linked to Salary Family Account
In the event of death of the account holder, the beneficiary to inform the insurance company (through the bank) within 90 days of death and all supporting documents related to the claim needs to be submitted to the insurance company within 180 days from the date of death

5. The lounge benefit on debit cards will undergo a change effective January 1,2024.

Effective January 1,2024, customers can continue to enjoy complimentary airport lounge access per quarter on their HDFC Bank Debit Card, only if they spend Rs.5000 or more in the previous calendar quarter.

For instance, if they spend Rs.5000 or more using their HDFC Bank Debit Card from October 2023 -December 2023,they can enjoy complimentary airport lounge access from January 2024 to March 2024 and as on

6. Premium Banking Programmes – Entry into the programmes is at the sole discretion of the Bank. HDFC Bank reserves the right to change the benefits/services offered as part of the programme.

7. Loans – Conditions Apply.

Final credit approval at the sole discretion of HDFC Bank Ltd. Loans.

* - conditions apply

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Annexure I

Below are the exclusions for Personal Accidental Death Cover and Disability Cover

Particular	Exclusions in personal accidental insurance cover & Disability Cover
General Exclusion clause on war	Damage directly or indirectly occasioned by or happening through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, Rebellion, revolution, insurrection, military or usurped power, confiscation, nationalization, civil commotion or loot or pillage in connection herewith
Deliberate Exposure to Dangerous Activities	Bodily Injury or Sickness due to willful or deliberate exposure to dangerous activities (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat, or arising out of non-adherence to medical advice
Under influence of Alcohol.	Bodily Injury or Sickness sustained or suffered whilst the Insured Person is or as a result of the Insured Person being under the influence of alcohol or drugs or narcotics unless professionally administered by a Physician or unless professionally prescribed by and taken in accordance with the directions of a Physician.
Criminal Act	Bodily Injury sustained whilst or as a result of participating in any criminal act.
Gradually Operating Cause	Bodily Injury due to a gradually operating cause.
Sports	Bodily Injury sustained whilst or as a result of participating in any sport as a professional player.
Intentionally Provoking	Bodily Injury or Sickness caused or provoked intentionally by the Insured Person.
Participation in competition	Bodily Injury sustained whilst or as a result of participating in any competition involving the utilization of a motorized land, water or air vehicle.
Hazardous Sports	Bodily Injury sustained whilst or as a result of active participation in any hazardous sport such as parachuting, hangliding, parasailing, off-piste skiing or bungee jumping.
Travel other than the fare paying route	Bodily Injury whilst the Insured Person is travelling by air other than as a fare paying passenger on an aircraft registered to an airline company for the transport of paying passengers on regular and published scheduled routes.
Pregnancy Within 26 weeks	Bodily Injury or Sickness resulting from pregnancy within twenty-six (26) weeks of the expected date of birth.
AIDS/HIV	Bodily Injury or Sickness caused by or arising from the conditions commonly known as Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and/or any related illness or condition including derivatives or variations thereof howsoever acquired or caused. The onus shall always be upon the Insured Person to show that Bodily Injury or Sickness was not caused by or did not arise through AIDS or HIV.
Venereal Disease	Bodily Injury or Sickness caused by or arising from or due to venereal or venereal related disease.

Veer Account Terms and Conditions