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.

How many add-ons are available with HDFC ERGO Optima Secure Plan?

The plan comes with 2 add-ons namely my:Health Critical Illness Cover and my:Health Hospital Cash Benefit Cover.

What all is included under the AYUSH Treatment?

AYUSH Treatment provides treatment via Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

HDFC ERGO Optima Secure Plan Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

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HDFC ERGO Optima Secure Brochure

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Sep 16, 2021

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 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 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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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.
How many add-ons are available with HDFC ERGO Optima Secure Plan?
The plan comes with 2 add-ons namely my:Health Critical Illness Cover and my:Health Hospital Cash Benefit Cover.
What all is included under the AYUSH Treatment?
AYUSH Treatment provides treatment via Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

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.