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HDFC ERGO Optima Secure Plan Health Insurance

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HDFC ERGO Health Insurance
Optima Secure
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

About HDFC ERGO Optima Secure Plan Health Insurance

HDFC ERGO Optima Secure is the latest offering of HDFC Ergo General Insurance in the category. The medical insurance plan is available as both an Individual as well as a Family Floater Plan. Under the plan, the base cover opted by you automatically gets increased by 50% after completion of 1 year, and by 100% post 2 years, irrespective of the claims made under it. The other notable benefit under the plan is the Restoration Benefit in which if any claim is made by you during the year, then 100% of the base cover gets restored automatically without any extra cost.

The plan also guarantees payment of consumables like gloves, masks, etc under its built-in Protection Benefit. The plan is customizable with the help of 2 available add-ons namely my: Health Critical Illness Cover and my: Health Hospital Cash Benefits Cover. The HDFC Optima Secure offers you numerous rewards such as loyalty discounts, family discounts, as well as long-term discounts. The sum assured under the plan ranges from Rs. 5 Lakh to Rs. 2 Crore.

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Key Inclusions and Exclusions of the Plan

What's Included

  • 60 and 180 days pre and post hospitalisation
  • Home healthcare
  • Daily cash for a shared room
  • Preventive health check-up
  • E-opinion on 51 critical illnesses
  • Hospitalisation expenses
  • AYUSH treatment
  • Domiciliary hospitalisation
  • Organ donor expenses
  • Emergency air ambulance

What's Not Included

  • Obesity control
  • Cosmetic surgery
  • Hazardous sports
  • Breach of Law
  • Alcoholism, drug or substance abuse
  • Unproven treatments
  • Sterility and infertility
  • Maternity

3624 HDFC ERGO Cashless Network Hospitals in India

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HDFC ERGO Optima Secure Brochure

  • 652.54 KB
  • PDF Document
  • Sep 16, 2021
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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.

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FAQs on Optima Secure Health Insurance Plan

  • What is the waiting period under the HDFC ERGO Optima Secure Health Insurance Policy?

    The plan comes with an initial waiting period of 30 days. The waiting period is 24 months in case of specific illnesses and surgical procedures. The waiting period is 36 months for the treatment of pre-existing diseases.

  • What are the policy tenure options available under the HDFC ERGO Optima Secure Plan?

    The plan offers you a choice of 1 to 3 years as policy tenure.

  • What is the maximum age of entry under the plan?

    The maximum age of entry under the plan stands at 65 years.

  • What is the sum assured under the HDFC ERGO Optima Secure Plan?

    Under the plan, you can choose your sum assured from the range of Rs. 5 Lakh to Rs. 2 Crore.

  • Is the Family Floater option available under the plan?

    Yes, the Family Floater option is available under the plan.

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