HDFC ERGO Optima Plus Health Insurance

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

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

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.     

You and your family members including spouse, dependent kids, dependent parents are eligible to get covered under this 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. 

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. 

The policy can be issued for 1 year or 2 years period after which it needs renewal.