Click 2 Protect Corona Kavach

Click 2 Protect Corona Kavach

With the world in the midst of a pandemic, you're having to deal with increased uncertainties on a daily basis. It is has now become even more imperative to ensure your own and your family's health by making sound financial decisions and securing their future even in your absence.

To support you in this endeavor, HDFC Life and HDFC Ergo have come together to present to you Click 2 Protect Corona Kavach, to help you deal with life's uncertainties confidently and lead a life without any worry for your family's future!

Why you need this Plan ?

a. Secures the future of your family in case of any untoward eventuality.

b. Helps protect your savings by providing cover for treatment costs arising out of COVID-19 illness.

Features

A. Protection:

1. Provide financial protection to you and your family at an affordable cost

2. Customize your plan with a choice of 9 plan options

3. All future premiums are waived on Accidental Total Permanent Disability and on diagnosis of Critical Illness^

4. Protect yourself for whole of life with lifelong protection options

5. Tax benefits* as per prevailing tax laws

* Tax benefits are subject to change in tax laws
^ Available with 3D Life and 3D Life Long Protection options

B. Health:

1. Special protection against COVID and Co-morbidity illnesses

2. Covers hospitalization expenses related to COVID-19 treatment

3. New born child covered from day 1

4. Covers home care treatment cost incurred for treatment of COVID for maximum up to 14 days per incident

5. Covers medical expenses under COVID Hospitalization in any Ayush Hospital

Benefits

A. Protection

1. Death Benefit

Death Benefit is the sum of:
Sum Assured on Death AND
Additional benefits

Sum Assured on Death is defined as:
a. For Single Pay Policies
Highest of:
125% of Single Premium
Sum Assured on Maturity
Absolute amount assured to be paid on death

b. For Regular Pay & Limited Pay Policies

Highest of:
10 times of the $Annualized Premium
105% of ^Total Premiums Paid
Sum Assured on Maturity
Absolute amount assured to be paid on death

# "Sum Assured on Maturity" means the amount which is guaranteed to become payable on maturity of the policy, in accordance with the terms and conditions of the policy.
$Annualized premium shall be the premium amount payable in a year, excluding the taxes, rider premiums, underwriting extra premiums, loadings for modal premiums, if any.
^Total Premiums paid means total of all premiums received, excluding any extra premium, any rider premium and taxes.

2. Terminal Illness Benefit

In this case, the payment of Death Benefit will be accelerated and the policy will terminate. This benefit is available under all plan options

3. Benefit on Accidental & Total Permanent Disability (ATPD)

In this case, all future premiums payable under the plan will be waived on ATPD. This benefit is available under all plan options

4. Critical Illness Benefit

In this case, all future premiums payable under the plan will be waived, if the life assured is diagnosed with any of the 34 covered critical illnesses. This benefit is available under only 3D Life & 3D Life Long Protection options

5. Accidental Death Benefit

In this case, an Extra Life Sum Assured is paid along with the death benefit upon death of Life Assured due to accident. This benefit is available under only Extra Life & Extra Life income options

6. Maturity Benefit

In this case, all the premiums paid till date are returned back to the Life Assured upon survival till the end of the policy term. This benefit is available under only Return of Premium option

B. Health

1. COVID Hospitalization Cover

We will pay the Medical expenses for Hospitalization during the policy term for treatment of COVID including treatment of any Co-Morbidity illness up to the Sum Insured for the following -

Room rent, boarding and nursing expenses
ICU/ ICCU expense
Surgeon, Anesthetist, Medical Practitioner,
Anesthesia, blood, oxygen, Operation Theatre charges, ventilator charges, medicines, PPE Kit and such similar other expenses

2. Home Care Treatment Expenses

We will pay Medical Expenses for treatment of COVID availed at home for maximum up to 14 days per incident for -

Diagnostic tests undergone at home or at diagnostics centre
Medicines prescribed in writing
Consultation charges of the medical practitioner
Nursing charges related to medical staff
Medical procedures limited to parenteral administration of medicines
Cost of Pulse oximeter, Oxygen cylinder and Nebulizer

3. Ayush Treatment

We will also indemnify medical expenses covered under "COVID Hospitalization" under any other system of Medicine given below in case of AYUSH treatment - Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy

4. Pre & Post Hospitalization

Along with the above, we will also pay medical expenses occurred 15 days before Hospitalization/ Home care treatment and 30 days post Hospitalization/ Home care treatment. These are payable if there is a claim payable for Hospitalization cover.





For Income and Extra Life Income options, the maximum income term will be 20 years.
All ages are expressed as on last birthday
$Single pay option is not available under 3D Life Option
Premiums will vary as per the plan option chosen.