HDFC ERGO Optima Senior Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO Optima Senior Health Insurance
Optima Senior framed by HDFC ERGO General Insurance is a wonderful medical insurance plan that is designed just for seniors. It takes care of you and your spouse by providing them with a life-long hassle-free health cover. The plan offers you to get a cover for up to Rs. 5 Lakh. It ensures that you do not have to pay any additional loading if you fall ill. Any individual who is above 61 years of age can be covered under this plan. Also, you get discounts and other benefits if you cover both, yourself and your spouse.
Under the umbrella of this plan, a huge list of benefits is covered. Some of them are - portability benefits, no claim discount, e-opinion, no maximum entry age, lifelong renewal option and no claim-based loading or claim-based underwriting. Other than this, you can avail organ donor cover, emergency ambulance cover, in-patient hospitalisation expenses.
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Key Inclusions and Exclusions of the Plan
What's Included
- Domiciliary treatment covered
- In-patient treatment covered
- Pre-hospitalisation expenses covered for up to 30 days
- Post-hospitalisation expenses covered for up to 60 days
- One e-opinion provided per policy
What's Not Included
- Expenses arising from HIV and AIDS
- Treatments within the initial 30 days of cover
- Expenses on items of personal convenience
- Pre-existing conditions are not covered until 3 years
- Waiting period for some specific illnesses such as hernia, cataract, etc.
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FAQs on Optima Senior Health Insurance Plan
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Does the plan cover daycare procedures?
Yes, the plan provides cover for 140-day care procedures.
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Is there any co-payment on daycare procedures under this plan?
Yes. Co-payment of 15% will be applicable to all the daycare procedures.
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Is there any limit on cover for an emergency ambulance under this plan?
Yes. The plan provides emergency ambulance cover for up to Rs. 2,000 per hospitalisation.
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What is the maximum limit of age for entry to this plan?
There is no maximum age limit for entry to this plan.