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HDFC ERGO Optima Super Health Insurance Wordings

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Highlights
Claim Settlement Ratio86.52%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals10,000+
Policies Sold10,66,395
Renewability Lifelong Renewability

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HDFC ERGO Optima Super Brochure

  • 212.66 KB
  • PDF Document
  • Nov 10, 2020

HDFC ERGO Health Insurance Plan List

    Name of PlanSum Insured
    Optima SecureMin: 91 Days, Max: 65 Years Get Quotes Now
    Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day ; Max: 65 years50,000 - 5 lakh Get Quotes Now
    my: health SurakshaMin: 91 Days; Max: No Limit3 Lakh Get Quotes Now
    Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years3 Lakh - 10 Lakh Get Quotes Now
    my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years1 Lakh - 1 Crore Get Quotes Now
    Dengue Care Policy Min: 91 Days; Max: 65 years50 Thousand - 1 Lakh Get Quotes Now
    Easy Health PolicyMin: 91 days; Max: 65 years1 Lakh - 50 Lakh Get Quotes Now
    my:Health Koti SurakshaMin: 18 years; Max: 65 years Get Quotes Now
    Maxima PolicyMin: 91 Days; Max: 65 years Get Quotes Now
    Day2Day Care PolicyMin: 91 Days; Max: 65 years Get Quotes Now
    iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Get Quotes Now
    Health WalletMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
    EnergyMin: 18 Years, Max: 65 Years2 Lakh Get Quotes Now
    Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Critical Illness PlanMin: 5 Years; Max: 65 Years 5 Lakh Get Quotes Now

    HDFC ERGO Health Insurance Top Up List

      Name of PlanSum Insured
      my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years3 Lakh Get Quotes Now
      Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

      1957 HDFC ERGO Cashless Network Hospitals in India

      Choose HDFC ERGO Critical Illness Plan

      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.   

      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

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