Terms & Conditions
I/We hereby declare that the Insured Person(s) listed below
- Is/ Are not travelling against the advise of a physician
- Is/ Are not on the waiting list for any medical treatment
- Is/ Are not travelling for the purpose of medical treatment.Have not received
a terminal prognosis for a medical condition before this day
- I/We have read the Policy Terms and Condition and have accepted the same
- I authorize the insurance company to obtain any records or references, be
they medical or otherwise, in consideration of this insurance or any potential claims
in the future
- I/We accept that this policy does not cover treatment for Pre Existing Medical
Conditions/Diseases/Ailments that are declared or undeclared I/We hereby declare
that the statements made by me/us in this Proposal Form are true to the best of
my/our knowledge and belief and I/we hereby agree that this declaration shall form
the basis of the contract between me/us and HDFC ERGO General Insurance Company
Limited. I/We also declare that, if any additions or alterations are carried out
after the submission of this proposal form, then the same would be conveyed to the
insurers immediately. I/We hereby declare that the contents of the form and documents
have been fully explained to me/us and that I/we have fully understood the significance
of the proposed contract. Insurance Act 1938, Section 41-Prohibition of Rebates:
- No. person shall allow or offer to allow, either directly or indirectly as an inducement
to any person to take out or renew or continue an insurance in respect of any kind
of risk relating to lives or property in India, any rebate of the whole or part
of the commission payable or any rebate of the premium shown on the policy, nor
shall any person taking out or renewing or continuing a policy accept any rebate
except such rebate as may be allowed in accordance with the prospectus or tables
of the Insurer.
- Any person making default in complying with the provisions of this section
shall be punishable with a fine, which may extend to Rupees five hundred. This policy
shall be voidable at the option of the Company in the event of mis-representation,
mis-description or non-disclosure of any material particulars by the Proposer. Fraud
Warning: Any person, who, knowingly and with intent to defraud the Insurance Company
or other persons, files a proposal for insurance containing any false information,
or conceals for the purpose of misleading, information concerning any fact material
thereto, commits a fraudulent act which will render the policy voidable at the Company’s
sole discretion and result in a denial of insurance benefits.
- The Maximum Compensation in respect of an Insured Person under the policy shall not exceed 5 times the Annual Income. Income proof for availing the compensation at the time of claim is mandatory. Income proof shall mean the previous year’s returns filed with the Income Tax Department.
Health Renewal