HDFC ERGO Optima Super Health Insurance Wordings

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.  

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

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

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

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

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.  

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. 

The Optima Super plan can be renewed for lifetime.  

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