HDFC ERGO Optima Super 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 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.
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Key Inclusions and Exclusions of the Plan
What's Included
- Ambulance service expenses up to actual expenses or Rs. 2000, whichever is lower
- Daycare procedures and organ donor expenses
- Post-hospitalisation expenses up to 90 days after hospitalisation
- Pre-hospitalisation expenses up to 60 days before hospitalisation
- In-patient treatment is covered under the policy
What's Not Included
- Expenses for devices like prosthetics, etc. which are not implanted internally
- Treatment availed outside India
- Day care procedures at a facility which is not a hospital
- Pre and post hospitalisation expenses of organ donor
- Hospitalisation for evaluation, investigation only
9552 HDFC ERGO Cashless Network Hospitals in India
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FAQs on Optima Super Health Insurance Plan
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What are the sum insured and deductible options available under Optima Super?
Optima Super comes with the sum insured options as Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh with the deductibles of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh and Rs. 10 Lakh.
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What are the features of the Optima Super plan?
The Optima Super plan has the following USPs: Coverage for hospitalisation expenses throughout the year Nominal premium Coverage for in-patient expenses, after deductible in both individual and family floater plan Lifelong renewability You can covert the top-up plan into a full-fledged plan by “Waiver of Deductible” benefit Once deductible is waived off, the coverage is provided from the very first rupee Cashless hospitalisation in a wide network hospitals
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What is the minimum entry age for Optima Super plan?
The minimum entry age adults for Optima Super plan is 18 years.
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What is the maximum entry age for Optima Super plan?
The maximum entry age for adults Optima Super plan is 65 years.