HDFC ERGO Optima Plus Health Insurance

The Optima Plus Plan by HDFC Ergo General 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.

The 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.