HDFC ERGO Optima Plus Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO Optima Plus Health Insurance
The Optima Plus Plan by HDFC Ergo Health Insurance (formerly known as Apollo Munich Health Insurance) is a distinguished health insurance plan that serves as a top-up policy. It ensures delivering optimum protection during a medical emergency. When the plan is utilised as a top-up plan along with the existing health insurance policy, a deductible is applied on it, however, when it converts into an indemnity plan, the deductibles get waived off. This policy is acknowledged by the customers for its affordability, as it’s available at a nominal premium. The policy can be used in the best manner post-retirement with no waiting period due to the option of converting it into a full-fledged nil deductible health insurance plan.
This HDFC ERGO Health Insurance policy provides coverage to people from the age of 5 years to 65 years. The dependent kids can find the coverage from the 91st day of his or her birth, provided any of their parents are covered. The policyholders can enter the plan with their family members which include spouse, dependent kids, and dependent parents. But, if anyone enters the policy with 2 or more family members, he or she will be eligible for a family discount of 10%. The duration of the policy period comprises of 1 or 2 years, where 7.5% discount is applicable for choosing a 2-year policy.
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Key Inclusions and Exclusions of the Plan
What's Included
- Coverage for in-patient hospitalisation
- Pre and post hospitalisation expenses
- 140 daycare treatments are covered
- Cost incurred on domiciliary treatment
- Treatment expenses for the organ donor
What's Not Included
- Treatments within the first 30 days of cover
- Cosmetic surgery and weight control procedures
- Abuse of hallucinogenic substances or intoxicants
- Cost incurred on HIV or AIDS and similar diseases
- Pregnancy, dental treatment, external aids, etc.
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HDFC ERGO Optima Plus Expert Review
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Major Attractions
During a medical emergency, falling short of funds is the biggest nightmare for everyone. So, owning a top-up policy lessen the chances of such events and provide assistance during medical-related contingencies. The top-up policy, apart from its basic beneficial trait, owns a lot of benefits, which attracts the customers. Here are some attractive features of the plan:
- In-patient hospitalisation option
- Pre and post hospitalisation costs
- Coverage for daycare treatments
- Emergency ambulance expenses
- Conversion to Nil Deductible Policy
- Domiciliary hospitalisation covered
- Availability of organ donor expenses
- 7.5% discount on the purchase of a 2 year policy
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What’s More?
Besides these benefits, the policy is appreciated for a few more of its offerings. It acquires some more basic but important features that enhances the value of the plan by offering ease to utilise the plan. Here are further crucial elements of the plan:
- 30 days of grace period is given
- 15 days of free look period is offered
- Easy portability option is provided
- Policy period options of 1 or 2 years
- Tax benefit is offered on the premium
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Conclusion
The plan is a great health insurance option to opt for. It never leaves you alone in difficult times and stands by your side with additional coverage. The Optima Plus plan is one of the rare top-up policy that comes with the feature of conversion into a nil deductible health insurance plan at the time of retirement. A deductible is applied when the plan functions as a top-up and when it converts into a full-fledged health insurance policy, all deductibles are waived.
If you need proper assistance and advice related to its purchase, choose insurancedekho.com. InsuranceDekho is a health insurance broker which provides assistance to analyse, compare and purchase the policy. The team of insurancedekho.com also offers after-sale services and help policyholders in claim settlement procedure as well.
Claim Process at HDFC ERGO Health Insurance
FAQs on Optima Plus Health Insurance Plan
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Who all members from the family are allowed to be covered under this plan?
You and your family members including spouse, dependent kids, dependent parents are eligible to get covered under this plan.
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How many members can be covered under the Optima Plus Top-up individual plan?
When it comes to the individual plan of Optima Plus Top-up Policy, a maximum of 4 adults and a maximum of 5 kids can be incorporated in a single policy.
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Does Optima Plus Top-up Plan provide any discount to its customers?
Yes, if anyone owns the plan with 2 or more family members, he or she is provided with a family discount of 10%. Also, on choosing this policy for 2 years, 7.5% discount is offered.
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What is the policy period for this plan?
The policy can be issued for 1 year or 2 years period after which it needs renewal.