Esteem Savings Account

1. Eligibility:
   Resident Individuals above 55 years of age can open Esteem Savings Account
2. Balance Requirement:
   Minimum average monthly balance of ₹ 50,000 OR ₹25,000 + ₹10 Lakhs TD
3. Debit card:
   Card Network: Mastercard
   Limits: ₹ 1,00,000 daily limit for ATM withdrawal and ₹ 5,00,000 daily limit for Shopping
4. Debit Card Issuance:
   Free
5. Debit Card Annual Maintenance:
   Free
6. SMS/Email Charges:
   Free
7. RTGS/NEFT:
   Free
8. DD Issuance:
   Free (1L per day)
9. Duplicate Passbook & Duplicate Statement:
   Free
10. Balance & Interest Certificates:
    Free
11. Free Cheque book per year:
    10

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Insurance Benefits

1. Hospital cash benefit of Rs.1000/day for 5 days per year.
2. Complimentary health checkup for 50+ parameters worth Rs. 2000+ every year.
3. Doctor on Call - 24 * 7 Teleconsultations with a General Physician.

Terms and Conditions

• Insurance coverage (Hospital Cash, Yearly Health Check-up & Unlimited doctor teleconsultations) for 5 years from account opening is provided by Aditya Birla Health Insurance Company Limited.
• Customers within the age of 55 to 80 years will be only covered.
• Insurance coverage will be live within 60th day from customer onboarding (i.e., account opening or upgrade date) and will be valid until the validity date of the policy.
• Cover will be valid only if the customer has maintained the Esteem AMB eligibility criteria for the last three months from the claim date.
• Insurance coverage will be automatically renewed every year if the customer meets the Esteem eligibility criteria.
• Daily Hospital Cash (Accident & illness) – Rs 1000 for 5 days (1-day deductible).
• Type of Insured: Esteem Account holders of Federal Bank
• Territory of Insurance:

• Basis of Sum Insured: Individual
• Accidental claims shall be reported to the Insurance Company within 45 days of discharge from the hospital.
• The decision of the Bank and respective Insurance Partner, as mutually agreed upon, in all matters shall be final and binding on all persons.

How to avail the facilities?

• Complimentary Health Check-Up & Doctor on Call facilities can be availed through VISIT Application.
• Click on the below link to download the application
  1. Android
  2. IOS
• For detailed process flow please refer to the below given document.

Health CheckUp & Teleconsultaton Process Flow

Hospital Cash Claim Submission - Customer can directly submit the claim through the below given link.

https://www.adityabirlacapital.com/healthinsurance/reimbursement-claims

Aditya Birla Health Insurance Company Master Policy Number: 4-71-24-0002957-000 

1. Claims shall be intimated to Aditya Birla Health Insurance Company (Current Insurance Company) through their
2. Oncetheclaimisregistered,aClaimNumberwillbe
3. Kindly note that the claim will be processed within 15 working days from the date of receiving all the required documents at the insurance company’s end.

1. COI number (This will be shared to the customer over Email/SMS)
2. Name of the group member (Federal Bank).
3. Name and address of the Insured Person in respect of whom the request is being
4. Hospital details where treatment/Surgery was
5. Date of admission and date of discharge or approximate length of
6. Any other information that may be relevant to the Illness/ Injury/

1. Copy of Photo ID and Age proof
2. Discharge card or day care summary and transfer summary (If applicable)
3. Photocopy of the final bill
4. Photocopy of MLC/ FIR copy, in cases of accident claim only
5. Any other relevant documents, if

CARE Health Insurance Company Master Policy Number: 26259844 

1. For claim necessary documents shall be couriered to CARE Health Insurance Company, to the below mentioned address.
2. Oncetheclaimisregistered,aClaimNumberwillbe
3. Kindly note that the claim will be processed within 15 working days from the date of receiving all the required documents at the insurance company’s end.

1. Name and address of the Insured Person in respect of whom the request is being
2. Two contactable mobile numbers and email id.
3. Hospital details where treatment/Surgery was
4. Date of admission and date of discharge or approximate length of
5. Any other information that may be relevant to the Illness/ Injury/

1. Claim Form duly signed
2. Copy of the claim intimation if any
3. Hospital main bill
4. Hospital break-up bill
5. Hospital bill payment receipt
6. Hospital discharge summary
7. Pharmacy bill
8. Operation theater note
9. ECG
10. Doctor’s request for investigation
11. Investigation reports (Including CT/MRI/USG/HPE)
12. Doctor’s prescription

Two copies of recent passport size photograph

As an Esteem savings account holder you are eligible for a Federal Bank Credit Card.

Terms & Conditions:

1. The customer should hold a Fixed Deposit of Rs.25,000/- or above.
2. The period of tenure of Fixed Deposit should be 6 months or more.
3. The maximum limit for the credit card will be equal to 80% of total FD balance.