Features & Benefits

 

 

 Airport Lounge Access
 Complementary Domestic lounge access –   Two access per quarter.
 

 

Complimentary Health Checkups*
Get an early health checkup for 50+ parameters worth Rs. 2000+ every year.
 

 

Doctor On Call*
24 * 7 Unlimited Teleconsultations with a General Physician for any enquiries. 

 

 

 

 Hospital Cash*
 Hospital cash benefit of Rs.1000/day for 5   days per year.
 

 

Wealth Management Services for Retirement Corpus
Financial guidance and strategies for maximizing wealth potential and providing peace of mind.
 

 

Demat AMC Waiver 
Demat AMC waived for the first year of account opening.

 

 

 

 25% Discount on Locker Rent up to Rs. 1000
 A smart choice for safeguarding your   valuables
 

 

Power Packed Debit Card to upgrade your lifestyle
Unleash the benefits of complimentary domestic lounge access, discounts on travel, health, utilities etc.  
 

 

ZERO charges on commonly used 10 services of the Bank 
ATM Issuance, ATM AMC, Email Alerts, SMS Alerts, NEFT, RTGS, DD, Duplicate Statements, Duplicate Passbooks and Balance & Interest Certificates.

 

 

 

 Family Benefits  
 Zero balance accounts for grand kids (2) and 1 zero balance savings account for your   spouse.
 

 

Priority Help Desk
Call assistance for Esteem customers.
 

 

Doorstep Banking Services
Convenient and personalized banking services delivered to your doorstep.

 

 

Terms & Conditions

About the Scheme

  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

Debit Card Exclusive Offers

  1. Labs - Metropolis: Up to 71% discount on comprehensive health test packages.
  2. Everyday Needs - Reliance Smart: 10% instant discount at Reliance Smart on a minimum transaction of Rs.2500 up to Rs. 500.
  3. Pharmacy – Apollo: 20% discount on all purchases at Apollo 24/7 online store up to Rs.200/- for a minimum order of Rs.800/-.
  4. Elder Care - Emoha: 15% discount on Emoha Elder Care package for Federal Bank customers up to Rs. 3,500.

**Terms & Conditions on each Debit card offers will be added later.

Insurance Protection

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 Unlimited 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 99 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:

Section

Territory of Insurance

Hospital Cash: Accident Only

India Only

Hospital Cash: Illness Only

India Only
  •  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 ABHIC, 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

  • Refer the below document for claim process:

Esteem Hospital Cash Claim Process Flow

 

The below mentioned claim documents shall be uploaded in the link for claim:

Group Hospital Cash Documents

  1. Discharge Summary
  2. Hospital Bill
  3. KYC Documents
  4. Bank Account Details (Passbook front page/Cancelled cheque)
  5. Accident-related claims: MLC report, FIR, police closure (if applicable)

 

For customer support, you may contact:

Call Centre- 18002707000    or

Email - healthinsurance@adityabirlacapital.com

 

Terms & Conditions

Documents Required

Document

Identity Proof

Address Proof

Passport

Yes

Yes

Driving Licence

Yes

Yes

Voter's Identity Card

Yes

Yes

Aadhaar

Yes

Yes

Job card by NREGA duly signed by an officer of the State Government

Yes

Yes

Permanent Account Number (PAN) card

Yes

No

Two copies of recent passport size photograph

Credit Card

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.