HDFC Ergo Optima Secure
HDFC ERGO Optima Secure from HDFC ERGO Health Insurance is a comprehensive health insurance plan available on an individual and family floater basis. It is a unique health insurance plan designed to provide suitable coverage options to individuals and their families so that they can secure their future and be prepared for any medical emergency.
HDFC Optima Secure plan promises to offer 4X coverage at no additional cost with instalment benefits to the policyholders. Another notable benefit under the HDFC Ergo Optima Secure plan is its restoration benefit. If you make any claim during the year, 100% of the base cover is automatically restored without any extra premium.
Network Hospitals
Highlights of HDFC Ergo Optima Secure Plan
Below mentioned are the highlights of HDFC Ergo Optima Secure Policy:
-
Entry Age
Adult: 18 Years to No Limit, Dependent Child: 91 Days to 25 years
-
Renewability
Lifetime
-
Policy Type
Individual and Family Floater
-
Sum Insured
5L to 2Cr
-
Policy Term
1, 2, 3 Years
-
Waiting Period for PED
Up to 3 years
Eligibility Criteria Criteria to buy HDFC Ergo Optima Secure
Below mentioned is the eligibility criteria of HDFC Ergo Optima Secure:
Entry Age (Adult): 18 Years to No Limit
Entry Age (Dependent Children): 91 days to 25 years
Coverage Benefits Offered Under HDFC Ergo Optima Secure Plan
HDFC Optima Secure offers comprehensive coverage benefits to the policyholders and allows them to customize their HDFC Optima Secure Plan as per their needs and budget:
- 5L and 2Cr
Room Rent
Up to the actual amount
ICU Charges
Up to the Sum Insured
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 180 Days
Domiciliary Hospitalization
Covered up to the Sum Insured
Daycare Treatments
All Daycare Treatments Covered
Cataract Treatment
Covered
COVID-19 Treatments
Covered
No Claim Bonus
Available up to 10% of SI
Automatic Restoration
Unlimited
Hospital Daily Cash
INR 800 Up to INR 4,800
Organ Donor
Covered Up to Sum Insured
AYUSH Treatment
Covered up to Sum Insured
Ambulance Cover
Covered Up to Sum Insured
Air Ambulance Cover
Covered up to INR 5L
E-Consultation
For 51 Critical Illnesses
Coverage after Waiting Period
Given below are the coverage benefits offered under the HDFC Ergo Optima Secure insurance policy after certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Initial Waiting Period | 30 Days |
| Specific illnesses and Surgical Procedures | 24 Months |
| Pre-Existing Diseases | 36 Months |
HDFC Ergo Optima Secure Insurance Plan Exclusion
Below mentioned is the list of diseases and conditions that are not covered under HDFC Optima Secure Plan:
- Obesity Control
- Cosmetic Surgery
- Hazardous Sports
- Hospitalization due to war, strike, riot, and nuclear weapons
- Infertility and in vitro fertilization
- Infertility and in vitro fertilization
- Unproven Treatment
- Maternity Treatment
Additional Benefits Offered Under HDFC Ergo Optima Secure Plan
HDFC Ergo Optima Secure offers various additional benefits to its policyholders, including the following:
- Protect Benefit: You will get in-built coverage for listed non-payable items, such as food charges, masks, gloves and 68 other listed consumables during hospitalization under HDFC Optima Secure plan.
- Secure Benefit: Your base sum insured amount will double instantly with the help of additional benefit.
- Plus Benefit: With this benefit, your base cover will increase by 50% in the first year and 100% in the second year.
Explore More About HDFC Ergo Optima Secure
Check the following section to learn more about the HDFC Health Insurance buying process, claim settlement process, and renewal process.
Disclaimer:
The details, facts, or figures given here are intended solely for the reader's informational purposes and should not be relied upon for personal, medical, legal, or financial decisions. Please visit the insurer's website for the latest updates. We do not endorse any particular insurance company or insurance product provided by any insurer.
