HDFC ERGO Optima Super Health Insurance

The regular health insurance plan provides coverage for treatment expenses up to a predefined limit but with the ever-rising cost of treatment, many times the sum assured seems insufficient. HDFC ERGO General Insurance' Optima Super top-up plan enhances the existing insurance coverage on a cost-sharing basis.

It comes with varied sum insured options and deductible combinations so you can choose the coverage as per your requirements. The policyholders get the benefit of high deductible, wherein throughout the year all treatment expenses are considered. If the sum of all the expenses is above the threshold limit, one can claim for the coverage above the limit. It is one of the most cost-effective plan. During retirement, one can easily consider this plan if one is covered under a group health insurance, as it can be easily converted into a normal health plan.