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HDFC ERGO Optima Plus Health Insurance Wordings

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Highlights
Cashless Approval TAT45 mins Cashless Claim Processing
Claim Settlement Ratio100%
Network Hospitals12,000+
PED Coverage Starting From3 year
Special Benefits2X Cover from Day 1
Starting Premium Rs. 1090/month

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Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Optima Plus Brochure

  • 126.58 KB
  • PDF Document
  • Nov 10, 2020

HDFC ERGO Health Insurance Plan List

    Name of PlanSum Insured
    Optima SecureMin: 91 Days, Max: 65 Years Check Premium
    Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Check Premium
    my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Check Premium
    Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Check Premium
    my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Check Premium
    Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Check Premium
    Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Check Premium
    my:Health Koti SurakshaMin: 18 years; Max: 65 years Check Premium
    Maxima PolicyMin: 91 Days; Max: 65 years Check Premium
    Day2Day Care PolicyMin: 91 Days; Max: 65 years Check Premium
    iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Check Premium
    Health WalletMin: 91 Days; Max: 65 Years3 Lakh Check Premium
    EnergyMin: 18 Years, Max: 65 Years2 Lakh Check Premium
    Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Check Premium
    Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Check Premium
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Check Premium

    HDFC ERGO Health Insurance Top Up List

      Name of PlanSum Insured
      my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Check Premium
      Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Check Premium

      3624 HDFC ERGO Cashless Network Hospitals in India

      Choose HDFC ERGO Critical Illness Plan

      FAQs on Optima Plus Health Insurance Plan

      • What is the minimum and maximum entry age of people under the Optima Plus Plan?

        The minimum entry age under this plan is 5 years, while the maximum entry age goes to the age of 65 years. The dependent kids are allowed to be covered from the 91st day, only if either of their parents is covered under this plan.

      • Who all members from the family are allowed to be covered under this plan?

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

      • How many members can be covered under the Optima Plus Top-up individual 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. 

      • Does Optima Plus Top-up Plan provide any discount to its customers?

        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. 

      • What is the policy period for this plan?

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

      View More Questions

      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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