Page 3 - One-pager - HDFC ERGO GHI with OPD HDFC Bk

Organ Donor Expenses
Covers medical expenses towards organ donor’s hospitalisation for harvesting of the
donated organ where an Insured Person is the recipient in accordance and in compliance
with the Transplantation of Human Organ (amendment) Act, 2011, Transplantation of
Human Organs and Tissues Rules, 2014 and other applicable Laws and/or Regulation
Road Ambulance Cover (India only)
Expenses incurred on transportation of insured person to a hospital for treatment in case
of an emergency, subject to a maximum of the amount stated in the plan opted

Convalescence benefit
Pays lump sum amount if an Insured Person is hospitalised for a period of 10
consecutive and continuous days or more, following an illness or injury payable only
once in a policy year

Air Ambulance (India only)
Covers the expenses incurred on availing Air Ambulance services to transport the Insured
Person from the site of first occurrence of the Illness/Accident to the nearest hospital for
emergency care within India that ground transportation cannot provide, for a claim
admissible under medical expenses (In-patient hospitalisation) cover

Restore Benefit
Restores the utilized portion of the base sum insured in the event of complete or partial
utilization of the base sum insured due to any claim admitted during the policy year for
subsequent claims. The Restored amount can be utilized for any Illness / Injury and by any
Insured person
Unlimited Restore Benefit
Post complete utilization of the base sum insured if there is partial or complete utilization
of Restored Benefit then the utilized portion of your restored benefit shall be reinstated
during the policy year. This will trigger unlimited times in a policy year
Cumulative Bonus^
Cumulative Bonus of 10% increase in sum insured every claim free year subject to
maximum of 100 % of sum insured in any policy year. Cumulative Bonus will be reduced at
the same rate as accrued in the event of admissible claim under the coverage

Home Nursing cover
Expenses up to Rs.1,000 for each day up to a maximum of 15 days for the medical services
of a Qualified Nurse at insured residence, directly related to a hospitalization admissible
under the Policy within the geographical boundaries of India
Plus Benefit~
50% of the Base Sum Insured upon completion of each policy year, up to a maximum of
100% of the base sum, irrespective of number of claims made under the expiring policy

Protect Benefit
Covers listed non-medical expenses incurred on hospitalisation of the Insured during the
policy year