HDFC Ergo Optima Secure

HDFC Ergo Optima Secure

  • 4X Coverage at No Additional Cost
  • No Cost Installment Option
  • 5% Online Discounts

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.

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

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.