Why should I buy Optima Super plan?

Optima Super is the only top-up health plan that increases your existing coverage and also provides you the benefit of converting your top-up plan to a full-fledged health plan at the time of retirement.

What are the sum insured and deductible options available under Optima Super?

Optima Super comes with the sum insured options as Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh with the deductibles of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh and Rs. 10 Lakh.

What are the features of the Optima Super plan?

The Optima Super plan has the following USPs: Coverage for hospitalisation expenses throughout the year Nominal premium Coverage for in-patient expenses, after deductible in both individual and family floater plan Lifelong renewability You can covert the top-up plan into a full-fledged plan by “Waiver of Deductible” benefit Once deductible is waived off, the coverage is provided from the very first rupee Cashless hospitalisation in a wide network hospitals

What is the minimum entry age for Optima Super plan?

The minimum entry age adults for Optima Super plan is 18 years.

What is the maximum entry age for Optima Super plan?

The maximum entry age for adults Optima Super plan is 65 years.

How many day care procedures are covered under Optima Super plan?

The plan covers 144 day care procedures, which do not require 24 hours hospitalisation.

Can children be covered under Optima Super plan?

Dependent children between 91 days to 5 years can be covered under Optima Super plan provided either of the parent is covered under the plan.

How many members can be included in a single Optima Super plan?

Maximum of 6 members can be included in a single policy. In a family floater policy, maximum of 2 adults and maximum of 2 children can be included in a single policy and in an individual policy, maximum of 4 adults and maximum of 5 children can be included in a single policy.

What is the renewability age under the Optima Super plan?

The Optima Super plan can be renewed for lifetime.

What is the free-look period under the Optima Super plan?

There is a free look period of 15 days from the receipt of the policy document to review terms and conditions of the policy.

HDFC ERGO Optima Super 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

Health Insurance Calculator

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

HDFC ERGO Optima Super Brochure

212.66 KB
PDF Document
Nov 10, 2020

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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 Super Health Insurance Plan

Why should I buy Optima Super plan?
Optima Super is the only top-up health plan that increases your existing coverage and also provides you the benefit of converting your top-up plan to a full-fledged health plan at the time of retirement.
What are the sum insured and deductible options available under Optima Super?
Optima Super comes with the sum insured options as Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh with the deductibles of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh and Rs. 10 Lakh.
What are the features of the Optima Super plan?
The Optima Super plan has the following USPs: Coverage for hospitalisation expenses throughout the year Nominal premium Coverage for in-patient expenses, after deductible in both individual and family floater plan Lifelong renewability You can covert the top-up plan into a full-fledged plan by “Waiver of Deductible” benefit Once deductible is waived off, the coverage is provided from the very first rupee Cashless hospitalisation in a wide network hospitals
What is the minimum entry age for Optima Super plan?
The minimum entry age adults for Optima Super plan is 18 years.
What is the maximum entry age for Optima Super plan?
The maximum entry age for adults Optima Super plan is 65 years.
How many day care procedures are covered under Optima Super plan?
The plan covers 144 day care procedures, which do not require 24 hours hospitalisation.
Can children be covered under Optima Super plan?
Dependent children between 91 days to 5 years can be covered under Optima Super plan provided either of the parent is covered under the plan.
How many members can be included in a single Optima Super plan?
Maximum of 6 members can be included in a single policy. In a family floater policy, maximum of 2 adults and maximum of 2 children can be included in a single policy and in an individual policy, maximum of 4 adults and maximum of 5 children can be included in a single policy.
What is the renewability age under the Optima Super plan?
The Optima Super plan can be renewed for lifetime.
What is the free-look period under the Optima Super plan?
There is a free look period of 15 days from the receipt of the policy document to review terms and conditions of the policy.

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.