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HDFC ERGO Optima Secure 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 Secure Brochure

  • 652.54 KB
  • PDF Document
  • Sep 16, 2021

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 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.

      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

      Reach us for help anytime