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Health

Health Insurance


1. The product UIN mentioned in the footer of your Policy Schedule/Certificate of Insurance along with the product name will guide you to the correct policy wordings to be referred.

2. For Period of Insurance/Policy Period start date please refer to your Policy Schedule/Certificate of Insurance

3. In case you are unable to locate your policy wordings below, please refer either to the ‘Withdrawn Product List’ or ‘Revised Product List’ ribbon below.

4. Note for AYUSH treatments effective 1st April 2024

5. Notes pertaining to Regulatory changes issued by IRDAI, 2024

Stay Fit To Benefit
HDFC ERGO Wellness Corner (Group)
HDFC ERGO Group OPD Care (Add-on) HDFC ERGO Wellness Corner
HDFC ERGO EquiCover Health Chomp PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY) HDFC ERGO Group Protect my:health Critical Suraksha Plus my:credit Comprehensive Suraksha
my:health Women Suraksha Mosquito Disease Protection Policy - Group
Home Credit Assure Saral Suraksha Bima, HDFC ERGO Group Mediclaim Insurance Policy HDFC ERGO Hospital Cash Insurance Critical Illness Insurance HDFC ERGO Janta Personal Accident Insurance Policy
Day2Day Care Dengue Care Energy
Maxima Optima Cash Optima Plus Optima Senior Optima Super Optima Vital HDFC Group Health Insurance my:Credit - Personal Accident (Group) Card Sure Package Insurance Withdrawn Product List Revised Product List

Add ons and Riders

Surrogacy and Oocyte Protect Cumulative Bonus Plus Cumulative Bonus Plus (Group) Stay Fit To Benefit HDFC ERGO Wellness Corner (Group) Optima Wellbeing (Add-on) HDFC ERGO Group OPD Care (Add-on) HDFC ERGO Wellness Corner Unlimited Restore (Add on) my:health Critical Illness my:Health Hospital Cash Benefit (Add-on) Critical Advantage Rider Hospital Daily Cash Rider Protector Rider Individual Personal Accident Rider

Motor Insurance

Toyota Add On Covers - Private Car Toyota Add On Covers - PCV EMI Protector Plus - PC Annual EMI Protector Plus - PC Bundled EMI Protector Plus - PC SAOD EMI Protector Plus - PCV - Annual Return to Invoice - PC Annual Return to Invoice - PC Bundled Return to Invoice - PC SAOD Return to Invoice - PCV - Annual Standalone Third-Party Long-term two wheeler Motor Insurance- Pricing Revision- Private Cars EV Motor Add-Ons - Two Wheeler - Annual EV Motor Add-Ons - Two Wheeler - Bundled EV Motor Add-Ons - Two Wheeler - SAOD EV Motor Add-Ons - Private Car - Annual EV Motor Add-Ons - Private Car - Bundled EV Motor Add-Ons - Private Car - SAOD

Zero Depreciation Claim - Revised 2023

Motor Insurance- Add-on cover - Zero Depreciation Claim (Private cars) (Annual) Zero Depreciation Claim - Add-on cover for Private Car Policy - Bundled Zero Depreciation Claim - Goods Carrying Vehicle Package Policy - Annual Zero Depreciation Claim - Motor Insurance - Two Wheeler Policy - Bundled Zero Depreciation Claim - Passenger Carrying Vehicle Package Policy - Annual Zero Depreciation Claim - Standalone Motor Own Damage Cover - Private Cars Zero Depreciation Claim - Standalone Motor Own Damage Cover - Two Wheeler Zero Depreciation Claim - Two Wheeler Package Policy - Annual Zero Depreciation Claim (for Special & Miscellaneous Vehicles)
Commercial Vehicles - Add on Covers COMPULSORY PERSONAL ACCIDENT (OWNER-DRIVER) UNDER MOTOR INSURANCE POLICIES Private Car Package Policy - Annual - Add ons Two Wheeler Package Policy - Annual - Add ons TW: Two Wheeler Package Policy - Annual - Tamil Motor: Private Car Package Policy - Tamil PAYD - Kilometer Benefit - Private Car Package Policy (Annual) PAYD - Kilometer Benefit - Private Car Policy (Bundled) PAYD - Kilometer Benefit - Standalone Motor Own Damage Cover (Private Cars) Cost of Consumable Items - Passenger Carrying Vehicle Package Policy - Annual Emergency Assistance Cover - Passenger Carrying Vehicle Package Policy - Annual Emi Protector - Passenger Carrying Vehicle Package Policy - Annual Engine & Gearbox - Passenger Carrying Vehicle Package Policy - Annual Higher Protection And Removal Costs - Passenger Carrying Vehicle Package Policy - Annual Loss Of Use Downtime Protection - Passenger Carrying Vehicle Package Policy - Annual Multi Vehicle Discount - Passenger Carrying Vehicle Package Policy - Annual No Claim Bonus Protection - Passenger Carrying Vehicle Package Policy - Annual Emergency Assistance Cover - Miscellaneous & Special Type of Vehicles Package Policy - Annual EMI Protector - Miscellaneous & Special Type of Vehicles Package Policy - Annual Higher Protection and Removal Costs - Miscellaneous & Special Type of Vehicles Package Policy - Annual Multi Vehicle Discount - Miscellaneous & Special Type of Vehicles Package Policy - Annual Emergency Assistance Cover - Goods Carrying Vehicle Package Policy - Annual EMI Protector - Goods Carrying Vehicle Package Policy - Annual Higher Protection and Removal Costs - Goods Carrying Vehicle Package Policy - Annual Loss of Use - Downtime protection - Goods Carrying Vehicle Package Policy - Annual Loss of Personal Belongings - Private Car Package Policy Bundled Loss of Personal Belongings - Private Car Package Policy Standalone-OD Loss of Personal Belongings - Private Car Package Policy My asset Two Wheeler Package Insurance Add-Ons Covers Wordings Tyre Secure for Private Car Zero Depreciation Claim for Long Term Two Wheeler Package Policy Multi Vehicle Discount - Goods Carrying Vehicle Package Policy - Annual No Claim Bonus Protection - Goods Carrying Vehicle Package Policy - Annual Voluntary Deductible - Goods Carrying Vehicle Package Policy - Annual Goods Carrying Vehicle Package Policy - Annualy Miscellaneous & Special Type of Vehicles Package Policy - Annual Passenger Carrying Vehicle Package Policy - Annual Two Wheeler Package Policy - Annual Motor Trade Road Risk Package Policy - Annual Motor Trade Road Transit Package Policy - Annual Motor Trade Internal Risk Package Policy - Annual Trailers Package Policy - Annual Liability Only Policy - Goods Carrying Vehicle - Annual Liability Only Policy - Miscellaneous & Special Type of Vehicles - Annual Liability Only Policy - Passenger Carrying Vehicle - Annual Liability Only Policy - Private Car - Annual Liability Only Policy - Two wheeler - Annual Liability Only Policy - Trailers - Annual Liability Only Policy - Motor Trade Road Risk - Annual Liability Only Policy - Motor Trade Road Transit - Annual Private Car Policy - Bundled Private Car Policy – Bundled - Add Ons Private Car Liability Only - 3 Years Standalone Own Damage for Two wheeler - Add on Covers Standalone Motor Own Damage Cover - Private Cars Standalone Motor Own Damage Cover - Private Cars - Add Ons Standalone Motor Own Damage Cover - Two Wheeler Standalone Motor Own Damage Cover - Two Wheeler - Add Ons Two Wheeler - Add on Covers Two Wheeler Package Policy - 5 Years Two Wheeler Liability Only - 5 years Two Wheeler Policy - Bundled Two Wheeler Policy – Bundled - Add Ons Long term two wheeler insurance - Liability Only policy Long Term Two Wheeler Insurance - Package Policy Private Car Package Policy - 3 years Motor Insurance - Two Wheeler Package Policy - 5 years Additional Personal Accident Motor Liability only Policy Endorsements For My Asset PVT Car Package Policy Wordings Commetcial & Misc-D - Annexure 7

Travel Insurance


1. The product UIN mentioned in the footer of your Policy Schedule/Certificate of Insurance along with the product name will guide you to the correct policy wordings to be referred.

2. For Period of Insurance/Policy Period start date please refer to your Policy Schedule/Certificate of Insurance

3. In case you are unable to locate your policy wordings below, please refer either to the ‘Withdrawn Product List’ or ‘Revised Product List’ under Health tab.

4. Note for AYUSH treatments effective 1st April 2024

5. Notes pertaining to Regulatory changes issued by IRDAI, 2024

HDFC ERGO Explorer Travelsure (Group) Group Travel Insurance Travel Insurance Student Suraksha - Student Overseas Travel TravelX

Liability Insurance

HDFC ERGO Professional Indemnity Policy - Accountants Endorsement HDFC ERGO Professional Indemnity Policy - Architects & Engineers Endorsement HDFC ERGO Professional Indemnity Policy - Design & Construct Endorsement HDFC ERGO Professional Indemnity Policy - Global PI Wording HDFC ERGO Professional Indemnity Policy - Lawyers Endorsement HDFC ERGO Professional Indemnity Policy - Manufacturing Endorsement HDFC ERGO Professional Indemnity Policy - Miscellaneous Endorsement HDFC ERGO Professional Indemnity Policy - Technology Endorsement Commercial General Liability Plus - Endorsement Wordings Commercial General Liability Plus - ISO - Claim Made Wording Commercial General Liability Plus - Occurence Based Wording Aviation Insurance Alpha Insurance Policy Contractual Liability Insurance Contractual Liability Insurance - CIS Crime Insurance Cyber Security Insurance Policy - Revision Comprehensive General Liability (Including No Fault Liability) D & O Policy Wordings Extended Warranty Insurance Policy Employment Practices Liability Insurance Educators Insurance Policy FinTech Insurance Policy Financial Institution Professional Indemnity Policy - With Cyber Exclusion Legal Financial Institution Professional Indemnity Policy - Without Cyber Exclusion Financial Institution Professional Indemnity Policy - Without Cyber Exclusion Legal Financial Institution Professional Indemnity Policy (Ver 1) Without Cyber Exclusion Financial Institution Professional Indemnity Policy (Ver 1) With Cyber Exclusion Financial Institution Professional Indemnity Policy (Ver 2) - Without Cyber Exclusion Financial Institution Professional Indemnity Policy (Ver 3) - Without Cyber Exclusion Financial Institution Professional Indemnity Policy - Global Wording Fire Add on Wordings for Clauses - part II Kidnap/Ransom and Extortion Policy Miscellaneous Professional Indemnity Policy Miscellaneous Professional Liability Policy Mutual Fund Asset Protection Multimedia Liability Insurance Public Offering of Securities Insurance Public Offering of Securities Insurance with Cyber Exclusion Public Offering of Securities Insurance - Policy Wordings Executive Public Offering of Securities Insurance (Executive) Public Offering of Securities Insurance Policy Wordings Pollution Legal Liability - Env Protect Premises Professional Indeminity Insurance Professional Indeminity Insurance - Architects & Engineers Political Risk Insurance Policy Pollution Legal Liability Insurance Environmental Protect Project - Version 2 Pollution Legal Liability Insurance Environmental Protect Premises - Version 3 with Cyber Exclusion Pollution Legal Liability Insurance Environmental Protect Premises - Version 3 without Cyber Exclusion Pollution Legal Liability Insurance With Cyber Exclusion Pollution Legal Liability Insurance Without Cyber Exclusion Signature Management Plus Liability Insurance - With Cyber Exclusion Signature Management Plus Liability Insurance - Without Cyber Exclusion Signature Plus Professional Indemnity Insurance Policy for Construction Signature Plus Professional Indemnity Insurance Policy for Design and Construction Signature Management Liability Insurance -Revision Signature Management Plus Liability Insurance Signature Professional Indemnity Insurance Policy Trade Credit Insurance Trade Credit Insurance - Factoring Modules Trade Credit Insurance - Client Specific Module Trade Credit Insurance Policy TITLE INSURANCE Venture Capital Asset Protection Venture Capital Asset Protection Policy with Cyber Exclusion Venture Capital Asset Protection Policy with Version 1 Cyber Exclusion Venture Capital Asset Protection Policy with Version 2 Cyber Exclusion Venture Capital Asset Protection Policy with Version 3 Cyber Exclusion Venture Capital Asset Protection Policy, Version 3 Warranty and Indemnity Insurance Policy Warranty and Indemnity Insurance Policy-Buyers Warranty Warranty and Indemnity Insurance Policy-Sellers Warrant

Casualty Insurance

Contaminated Product Insurance Policy Commercial General Liability Insurance Event Cancellation Policy Employees Compensation Insurance Policy Information and Network Technology Errors or Omissions Liability Insurance - Revision Product Recall Insurance Product Liability Insurance Policy Public Liability Insurance (Under PLI Act 1991) Public Liability Insurance Policy SER Clinical Trial Insurance

Business Secure

HDFC ERGO Business Secure - Sookshma Udyam HDFC ERGO Business Secure - Sookshma Udyam - CIS HDFC ERGO Business Secure - Sookshma Udyam - Optional cover Wordings HDFC ERGO Business Secure - Laghu Udyam HDFC ERGO Business Secure - Laghu Udyam - CIS HDFC ERGO Business Secure - Laghu Udyam - Endorsement Wordings

Farm Yield Insurance Policy

Farm Yield Insurance Policy

Business Suraksha Plus

Business Suraksha Plus (V1) Business Suraksha Plus (V3) Business Suraksha Plus - Variant 4 Business Suraksha Plus - Variant 5 Business Suraksha Plus - Variant 6

Payment Protection Package

Payment Protection Package

Business Suraksha Classik

Business Suraksha Classik Business Suraksha Classik - Endorsement

Business Suraksha Classik – LAGHU UDYAM

Business Suraksha Classik – LAGHU UDYAM Business Suraksha Classik – LAGHU UDYAM - Endorsement

Business Kisht Suraksha

Business Kisht Suraksha

Commercial Insurance

Bharat Sookshma Udyam Suraksha - Contract Works Bharat Sookshma Udyam Suraksha - Escalation Bharat Sookshma Udyam Suraksha -Dynamo Clause Bharat Sookshma Udyam Suraksha -Brand and Label Clause Bharat Sookshma Udyam Suraksha - Involuntary Betterment Bharat Sookshma Udyam Suraksha -Loss of Rent and Additional Expense of Rent for Alternative Accommodation Bharat Sookshma Udyam Suraksha Bharat Sookshma Udyam Suraksha Accidental Damage Bharat Sookshma Udyam Suraksha Declaration Policy for Stocks Bharat Sookshma Udyam Suraksha Extra Expenses Bharat Sookshma Udyam Suraksha Loss Minimization Bharat Laghu Udyam Suraksha Bharat Laghu Udyam Suraksha - Add Ons Bharat Laghu Udyam Suraksha - Contract Works Bharat Laghu Udyam Suraksha - Escalation Bharat Laghu Udyam Suraksha - Involuntary Betterment Bharat Laghu Udyam Suraksha - Brand and Label Clause Bharat Laghu Udyam Suraksha - DynamoClause Bharat Laghu Udyam Suraksha - Loss of Rent and Additional Expense of Rent for Alternative Accommodation Bharat Laghu Udyam Suraksha Accidental Damage Bharat Laghu Udyam Suraksha Declaration Policy for Stocks Bharat Laghu Udyam Suraksha Floater Cover Bharat Laghu Udyam Suraksha Extra Expenses Bharat Laghu Udyam Suraksha Loss Minimization

Property & Miscellaneous Insurance (HDFC ERGO)

Supplementary Wording - BSP Variant 2 Paws n Claws Paws N Claws - CIS CPI Base Wording 6 Erection All Risks Insurance-Add on clauses - Endorsement Wordings Mega Risk Insurance ART Insurance Baggage Insurance Business Suraksha Classik - Revison with Add ons Business Suraksha Plus Carbon Credit Insurance Deterioration of Stocks (Potatoes) Insurance Jewellers Comprehensive Insurance Micro Insurance - Kisan Sarva Suraksha Kawach Money Insurance- Revision Burglary & Housebreaking Insurance New Add on Clauses-I Cellular Network Policy Fidelity Guarantee Insurance Film & Television Producers Package Policy Consequential Loss of Profit (Fire) Plate Glass Insurance Neon Sign Policy HDFC ERGO Inherent Defects Insurance Policy Solar Panel Warranty Insurance

Property & Miscellaneous Insurance (Erstwhile HDFC GI)

All Risk Insurance

Specialty Insurance

Surety Insurance Policy - Conditional Performance bond wordings Surety Insurance Policy - Performance Bond Wording for MMRDA Surety Insurance Policy - Unconditional NHAI performance bond wordings Surety Insurance Policy - Bid Bond-conditional Wordings Surety Insurance Policy - Bid Bond-unconditional Wordings

Engineering Insurance (HDFC ERGO)

Boiler and Pressure Plant Insurance Policy Contractor's Plant & Machinery Insurance Policy Electronic equipment Insurance-Add On's Portable Electronic Equipment Insurance-Add On's Contractors all risk insurance- Add On's Erection All risk Insurance- Add On's Agriculture Pump set Policy Insurance Advance Loss of Profit Civil Engineering Completed Risks Insurance Electronic equipment Insurance Boiler and Pressure Plant Insurance Erection All Risks Insurance Machinery Loss of Profit Portable Electronic Equipment Insurance

Engineering Insurance (Erstwhile HDFC GI)

Advance loss of Profit Insurance Contractors All Risks Insurance Contractors Plant and Machinery Insurance Machinery Breakdown Insurance

Cyber Insurance

HDFC ERGO Cyber Sachet Insurance
E@Secure Insurance Policy

Marine Insurance

Port Package Policy Delay in Start Up Insurance Oil & Energy Risks Policy Marine Hull and Machinery Policy Marine Hull Insurance of Jetties Ship Repairer's Liability Insurance Charterer's Liability Insurance Marine Kidnap and Ransom Insurance Marine Cargo Insurance

Rural Insurance

Hut Insurance Policy Rainfall Index Insurance Weather Insurance (Index based) Product Livestock (Cattle) Insurance Policy - Revision Crop Insurance Policy Pradhan Mantri Fasal Bima Yojana Restructured Weather based Crop Insurance Scheme my: Jeevika Livestock Insurance Policy

Miscelleanous

Object Insurance HDFC ERGO Ticket Cancellation Insurance Policy Farmers Package Policy Terrorism Suraksha Classic Insurance Policy
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