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HDFC ERGO Optima Plus Health Insurance User Reviews

526 reviews Rate This
HDFC ERGO
Highlights
Cashless Approval TATWithin 37 mins
Claim Settlement Ratio99.80%
Network Hospitals13,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

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Rating of Optima Plus
4.3
Based on
18 User reviews

  • I like it.

    This health plan is liked by me due to its affordability and brilliant features in its bucket. This is a plan that has been used in the best possible manner after the retirement as it requires no waiting period and holds the option of converting it into a fully-fledged zero deductible health insurance plan. I adore this plan.

    I
    Ishita Khanna
    On: Feb 17, 2020

  • It’s got my back!

    Being a top-up plan this plan has been a great assistance. It gave me a good coverage amount and number of benefits. There are many good things I have utilized with this plan. After the plan exhaustion, there is no need for me to worry as this plan has always been there to get my back.  

    V
    Vijay Verma
    On: Feb 17, 2020

  • Gives me peace of mind.

    This health policy served me as a top-up policy. It ensured delivering an optimum protection to me during a medical contingency. When the plan is availed as a top-up plan as per the existing health insurance policy, a deductible is applied on it. This is a plan which gives me mental relief. 

    S
    Sukhdev Singh
    On: Feb 03, 2020

  • Special top-up plan!

    The plan is a rare top-up plan. It delivered me special benefits. It lessens the chances of situations where funds may go short by providing me with assistance during medical-related contingencies. This top-up policy owns a lot of benefits, which attracted me. It is always there on my bucket list. 

    A
    Andeep Rana
    On: Feb 03, 2020

  • Loving this plan.

    I love this plan. This is an affordable and easy to buy product and considered as a big insurance policy stuffed inside a small one. The Optima Plus plan gave me the coverage for higher medical-related costs at a nominal premium. I now have enough coverage including this plan that I need not to worry. 

    S
    Sumit Sharma
    On: Jan 21, 2020
    • Must BuyMust Buy

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  • Awesome one.

    The Optima Plus plan is one of the rare top-up policy that never let me down. I bought this plan few years back and continuing it since then without any break. I have used it twice and found ease to get my claims settled thereafter getting the medical coverage. A top-notch plan indeed. 

    L
    Lokesh Patidar
    On: Jan 21, 2020

  • It’s too good.

    This health policy is widely acknowledged by its policyholders for its reasonable rates due to its availability at a nominal premium. It 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. 

    R
    Rani Verma
    On: Dec 23, 2019

  • Excellent insurance policy..

    This policy is affordable and easy to buy product and is considered as a big insurance policy stuffed inside a small one. It is equipped with several benefits such as cashless service, portability, day care procedures, organ donor expenses, and so on. It comes with lifelong renewability option, which means there is no maximum cover ceasing age under this plan.

    K
    Karan Sehgal
    On: Dec 23, 2019

  • Top choice!

    The support staff of InsuranceDekho helped me out in finding this plan. I am very much satisfied with it due to its features and affordability. In addition to this, making payment with insurancedekho.com is easy like never before so I found no trouble in buying this top-up plan as well.

    P
    Priyanka Pathak
    On: Dec 04, 2019

  • Adding happiness and health to my life

    This Optima Plus Plan ensures delivering optimum protection during a medical emergency. When 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 for its affordability due to being available at a nominal premium.

    R
    Rajneesh Sharma
    On: Dec 03, 2019

9552 HDFC ERGO Cashless Network Hospitals in India

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FAQs

  • What are the types of plans offered by HDFC Ergo?

    HDFC Ergo best health insurance plans involve individual health insurance plans, family health insurance plans, parents health insurance plans, senior citizen health insurance plans, critical illness insurance plans, and a super top-up insurance plan.

  • Why should I buy health insurance by HDFC Ergo?

    HDFC Ergo helps its customers ‘Take it easy. Experience the convenience.' To ensure the same, the company offers HDFC Ergo best health insurance plans that are specifically designed keeping the diverse health insurance needs of customers in mind. Moreover, HDFC health insurance policy offers benefits such as pre and post hospitalisation coverage, cashless claims, no sub-limits, tax benefits, day care procedures, domiciliary medical treatment, and others.

  • How to apply for and buy health insurance plans offered by HDFC Ergo?

    You can apply for and buy HDFC Medical Insurance plans online through the HDFC Ergo website www.hdfcergo.com or through www.insurancedekho.com. Remember, you can make use of net banking, debit card, or credit card to pay the premium of HDFC health insurance policy as the company allows flexible payment modes. 

  • Is there a limitation on the entry age for buying HDFC medical insurance plans?

    The entry age for children is 91 days. However, there is no maximum entry age for adults to buy HDFC Ergo health insurance plans.

  • What is the customer care number of HDFC Ergo?

    The customer care number for HDFC Ergo is 022 6234 6234.

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Claim Process at HDFC ERGO Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

HDFC ERGO Health Insurance Contact Details

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