Insurance
Insurance
We have specially curated Insurance Benefits for our customers.
The purchase of Insurance is voluntary for HDBFS customers. It comes with plethora of benefits not only for the primary applicant / user but also for dependents
Type of Loan Availed
| Benefit Covered | Coverage | Benefit | Type of Loan Availed | |||||
|---|---|---|---|---|---|---|---|---|
| CDL/DPL | CDL | DPL | CD/DPL-2 Year | RELPL(2 year) | ||||
|
Price including GST (INR) |
1049 | 1799 | 1799 | 3499 | 2599 | |||
| Insurance Provider | Acko Group | |||||||
|
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | Upto INR 5,00,000 for CDL/DPL and 10,00,000 for RELPL | ||||||
|
Natural Death Benefit
Sum insured to the extent of the outstanding loan balance of the customer |
Primary Applicant Only | Principal o/s + Interest OR INR 50,000 for CD/DPL and INR 2lac for RELPL | ||||||
|
In-patient Hospitalization Cover
Covered in case of accidents only |
Primary Applicant Only | Upto INR 50,000 for CDL/DPL and INR 1,00,000 for RELPL | ||||||
|
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 1,000 per day for 10 days for CDL/ DPL and INR 2000 for RELPL | ||||||
|
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 20,000 (On detection) for CDL/DPL and INR 40,000 RELPL | ||||||
|
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability |
To HDBFS | Upto INR 1,00,000 for CDL/DPL and INR 2,00,000 for RELPL | ||||||
|
EMI PROTECT
Valid only in case of continuous hospitalisation |
To HDBFS / Primary Applicant Only | 1 Year Upto 3 EMI INR 5,000 for CD/DPL and INR 11,000 for RELPL | ||||||
|
Extended Warranty
1 year extended warranty on Consumer Durables & Laptop, applicable once the manufacturer warranty is over (Repair benefits maximum upto the invoice value of the product) |
Appliances attached to the insurance product/ Primary Applicant only | 1 Year Warranty only on CD and Laptop (DPL) | ||||||
|
Screen Protection
Customers Purchasing Mobile/Smart Phones will get Screen protection plan for 1 year from the date of purchase (One time repair service during the contract period) |
Appliances attached to the insurance product/ Primary Applicant only |
1 Year Screen Protection only on Mobile/Smart Phones |
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|
Tele Consultation Doctor Services with Dismemberment - Self
(General Practitioner) |
Family of 4 |
1 Year (Unlimited) |
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|
Home Protect Insurance*
|
Home Appliances Protect Cover |
1 Year INR 1,00,000 for CD/DPL and 2 year 1,00,000 for RELPL |
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|
Critical Illness
|
Covers 15 critical Illness payable at diagnosis for the 1st year of policy period. |
Fixed benefit of INR 4,50,00 for CD/DPL (1year),INR 6,50,000 for CD/DPL (2year) INR 8,50,000 for RELPL(2year) |
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*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, Kala-azar, Filariasis, Japanese encephalitis.
*Insurance benefits attached to CD/DPL Loans will be applicable for 1 year
| Benefit Covered | Coverage | Benefit | Type of Loan Availed | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Car Loan & CE | CVL | Tractor Loan | ||||||||
|
Price including GST (INR) |
3999 | 4999 | 4999 | |||||||
| Insurance Provider | TATA AIG | |||||||||
|
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | Upto INR 10,00,000 for Car/CE Upto INR 11,00,000 for CVL & TRL | ||||||||
|
In-patient Hospitalization Cover
Covered in case of accidents only |
Primary Applicant Only | Upto INR 1,00,000 | ||||||||
|
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 2,000 per day for 10 days | ||||||||
|
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 40,000 (On detection) | ||||||||
|
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability |
To HDBFS | Upto INR 5,00,000 | ||||||||
|
EMI PROTECT
Valid only in case of continuous hospitalisation |
Primary Applicant Only | 3 Years Upto 3 EMI INR 20,000 for Car/CE and Upto 3 EMI INR 80,000 for CVL/TRL | ||||||||
|
Emergency Assistance: Road Side Assistance (RSA)
Repair and Towing Assistance / Flat Battery – Jump Start Service / Spare Key Retrieval / Fuel Support (Emergency Fuel Delivery) / Emergency Towing Assistance |
Vehicle purchase attached to the insurance product | 5 Years RSA support | ||||||||
|
Dismemberment - Self + Tele Consultation General
|
Primary Applicant + 4 family members | Unlimited 5 Years | ||||||||
| Home Protect Insurance* | Home Appliances Protect Cover | 3 Years INR 2,00,000 | ||||||||
*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis
Insurance benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years
Insurance benefits attached to CD/DPL Loans will be applicable for 1 year
| Benefit Covered | Coverage | Benefit | RELPL | TWL | ||||
|---|---|---|---|---|---|---|---|---|
|
Price including GST (INR) |
2299 | 1999 | ||||||
| Insurance Provider | HDFC Ergo | HDFC Ergo | ||||||
|
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | INR 10,00,000 for TWL and 5,00,000 for RELPL | ||||||
|
In-Patient Hospitalization Cover
Covered in case of accidents only |
Primary Applicant Only | INR 1,00,000 for TWL and INR 50,000 for RELPL | ||||||
|
Hospital Daily Cash (Including Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 2,000 per day for TWL and INR 1,000 for RELPL | ||||||
|
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) | INR 40,000 for TWL and INR 20,000 for RELPL (on Detection) | ||||||
| Loan Repayment to Loan Provider Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability | To HDBFS | Upto INR 2,00,000 for TWL and Upto INR 1,00,000 for RELPL | ||||||
|
EMI PROTECT
Valid only in case of continuous hospitalisation |
To HDBFS | Upto 3 EMI 1 years (Max upto INR 5,000) for and for TWL 3 Years Upto 3 EMI upto 20000 | ||||||
|
Tele Consultation Doctor Services with Dismemberment - Self
(General Practitioner) |
Family of 4 | Unlimited for 1 year for RELPL and 3 Year for TW | ||||||
| Home Protect Insurance | Preventive maintenance service :Home Appliances Protect Cover | 1 Years INR 1,00,000 for RELPL and for TWL 3 Years | ||||||
|
Emergency Assistance: Road Side Assistance (RSA)
Repair and Towing Assistance / Flat Battery – Jump Start Service / Spare Key Retrieval / Fuel Support (Emergency Fuel Delivery) / Emergency Towing Assistance |
Vehicle purchase attached to the insurance product | 3 Years RSA support for TW 5 Years RSA support for Car/CVL/TRL 3 Years | ||||||
| Home Assure* (Preventive Maintenance Service) | Maintenance of Appliances | Home Contents only :Upto 4 Home Appliances (1Year) | ||||||
*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis
Insurance benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years
Insurance benefits attached to CD/DPL Loans will be applicable for 1 year
| Product Offer (Three Year Validity) | Coverage | Benefit |
Type of Insurance Unsecured Loan - Personal Loan |
Type of Loan Availed Gold Loan |
||||
|---|---|---|---|---|---|---|---|---|
|
Price including GST (INR) |
5999 | 999 | ||||||
| Insurance Provider | Go Digit | Go Digit | ||||||
|
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried - Insurance product Holder + 2 Parents (Father & Mother) 2. Married - Insurance product holder + (Spouse + 2 Children) | ₹ 40,000 (On detection) | ||||||
|
Accidental Death Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | INR 5,00,000 | ||||||
|
In-Patient Hospitalization
Cover Covered in case of accidents only |
Insurance product Holder Only | ₹ 1,00,000 | ||||||
|
EMI PROTECT
Valid only in case of continuous hospitalisation |
To HDBFS | Up to ₹ 20,000 each for Personal Loan and Upto 3 EMI 2 Years (Max upto INR 11,000) for Gold Loan | ||||||
|
Hospital Daily Cash (Including Covid -19) Maximum 10 days of coverage where customer can claim multiple times in the year |
1. Unmarried - Insurance product Holder + 2 Parents (Father & Mother) 2. Married - Insurance product holder + (Spouse + 2 Children) | ₹ 4,000 per day for Personal Loan and Rs. 2000 per day for Gold Loan | ||||||
|
Loan Repayment to Loan Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability |
To HDBFS | Upto INR 2,00,000 | ||||||
| OPD Benefits | ||||||||
|
Tele Consultation Doctor Services with Dismemberment - Self
(General Practitioner) |
Family of 4 Age(Child 1day to 25yrs; Adult 18yrs to 85yrs) 1. Unmarried - Insurance product holder + 2 Parents (Father & Mother) 2. Married - Insurance product holder + (Spouse + 2 Children) | Unlimited for 3 years for Personal Loan and 1 Year for Gold Loan | ||||||
|
Tele Doctor Specialist Consultations
Ayurveda, Homeopathy, MBBS / BHMS doctors |
Unlimited for 3 years | |||||||
|
Comprehensive Health Check-up
Covering 78 parameters |
4 times in 3 years | |||||||
|
Fitness Pass
(Daily Live classes by Fitness experts on HA Platform- Yoga, Zumba, Functional fitness etc.) |
Unlimited for 3 years | |||||||
| Exclusive Discounted Platform Benefits: | ||||||||
|
Discount on Routine Lab Tests
Up to 50% Discount In-network centers |
Family of 4 Age(Child 1day to 25yrs; Adult 18yrs to 85yrs) 1. Unmarried - Insurance product holder + 2 Parents (Father & Mother) 2. Married - Insurance product holder + (Spouse + 2 Children) | Unlimited for 3 years | ||||||
|
Discount on OPD Visits
Up to 50% Discount at In-network Centers |
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|
Discount on Home Delivery of Prescription Medicines
Up to 15% Discount on Order via HealthAssure Platform |
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*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis
Insurance benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years
Insurance benefits attached to CD/DPL Loans will be applicable for 1 year
| AabharGold | Coverage | Benefit | Gold Loan | |||||
|---|---|---|---|---|---|---|---|---|
|
Price including GST (INR) |
999 | |||||||
| Insurance Provider | Go Digit | |||||||
|
Accidental Death
Benefit
Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | INR 5,00,000 | ||||||
|
In-Patient Hospitalization
Cover
Covered in case of accidents only |
Primary Applicant Only | INR 1,00,000 | ||||||
|
Hospital Daily Cash (Including
Covid -19)
Maximum 10 days of coverage where customer can claim multiple times in the year. |
1. Unmarried -
Primary Applicant Only + 2 Parents
(Father & Mother) 2. Married Primary Applicant Only + (Spouse + 2 Children) |
INR 2,000 per day | ||||||
|
Income Protection Cover
One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried -
Primary Applicant Only + 2 Parents
(Father & Mother) Married Primary Applicant Only + (Spouse + 2 Children) |
INR 40,000 (on Detection) | ||||||
|
Loan Repayment to Loan
Provider
Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability |
To HDBFS | Upto INR 2,00,000 | ||||||
|
EMI PROTECT
Valid only in case of continuous hospitalisation |
To HDBFS | Upto 3 EMI (Max upto INR 11,000) | ||||||
|
Tele Consultation Doctor Services with Dismemberment - Self
(General Practitioner) |
Family of 4 | Unlimited for 1 year | ||||||
*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis
Insurance benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years
Insurance benefits attached to CD/DP Loans will be applicable for 1 year
*Blue Aabhar for Car Loan is discontinued w.e.f. March 2025
| Benefit Covered | Coverage | Benefit | Types of Loan Availed | |
|---|---|---|---|---|
| CDL | DPL | |||
| Price Including GST (INR) |
|
|
3499 | 3499 |
| Insurance Provider |
|
|
Acko Group | Acko Group |
|
Accidental Death Benefit Common Sum Insured for Accidental Death Benefit, Permanent Total Disability (PTD) and Permanent Partial Disability (PPD) |
Primary Applicant Only | Upto INR 5,00,000 for CDL/DPL | ü | ü |
| Natural Death Benefit Sum insured to the extent of the outstanding loan balance of the customer |
Primary Applicant Only |
Principal o/s + Interest OR INR 2 lacs whichever is lower |
ü | ü |
| In-patient Hospitalization Cover Covered in case of accidents only |
Primary Applicant Only | Upto INR 50,000 for CDL/DPL | ü | ü |
|
Hospital Daily Cash (Including Covid -19) Maximum 10 days of coverage where customer can claim multiple times in the year |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) |
INR 1,000 per day for 10 days for CDL/ DPL | ü | ü |
|
Income Protection Cover One time fixed benefit payable on detection of Air borne diseases, *Vector borne diseases or Broken bones only |
1. Unmarried - Primary Applicant + 2 Parents (Father & Mother) 2. Married Primary Applicant + (Spouse + 2 Children) |
INR 20,000 (On detection) for CDL/DPL | ü | ü |
|
Loan Repayment to Loan Provider Outstanding loan principal amount to be paid in case of Accidental death or Permanent Total Disability |
To HDBFS | Upto INR 1,00,000 for CDL/DPL | ü | ü |
|
EMI PROTECT Valid only in case of continuous hospitalisation |
Primary Applicant Only | 2 Years Upto 3 EMI INR 5,000 for CD/DPL | ü | ü |
|
Extended Warranty 1 year extended warranty on Consumer Durables & Laptop, applicable once the manufacturer warranty is over (Repair benefits maximum upto the invoice value of the product) |
Appliances attached to the Insurance / Primary Applicant only | 2 Years Warranty on CD & Laptop | ü | ü |
|
Screen Protection Customers Purchasing Mobile/Smart Phones will get Screen protection plan for 1 year from the date of purchase One time repair service during the contract period) |
Appliances attached to the insurance / Primary Applicant only | 2 Years Screen Protection only on Mobile/Smart Phones | × | ü |
|
Tele Consultation Doctor Services with Dismemberment - Self (General Practitioner) |
Family of 4 |
2 Years (Unlimited) |
ü | ü |
| Home Protect Insurance* | Home Appliances Protect Cover | 2 Years INR 1,00,000 for CD/DPL | ü | ü |
| Home Assure* (Preventive Maintenance Service) | Maintenance of Appliances | Home Contents only :Upto 4 Home Appliances (2 Years) | × | × |
*Vector Borne Diseases (VBD) - Dengue, Malaria, Chikungunya, kala-azar, Filariasis, Japanese encephalitis
Insurance benefits attached to TW/Car/CV/Tractor Loans will be applicable for 3 years
Insurance benefits attached to CD/DPL loans will be applicable for 1 Year or 2 Year depending upon the plan
*Blue Aabhar for Car Loan is discontinued w.e.f. March 2025
For detailed Terms and Conditions, Click Here.