HDFC ERGO Optima Super Health Insurance Wordings

Claim Settlement Ratio | 86.52% |
COVID-19 Cover | Yes |
In-House Claim Settlement | Available |
Network Hospitals | 10,000+ |
Policies Sold | 10,66,395 |
Renewability | Lifelong Renewability |
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HDFC ERGO Health Insurance Plan List
Name of Plan | Sum Insured | |
Optima SecureMin: 91 Days, Max: 65 Years | Get Quotes Now | |
Optima RestoreMin: 91 Days, Max: 65 Years | 3 Lakh | Get Quotes Now |
Corona Kavach PolicyMin: 1 day ; Max: 65 years | 50,000 - 5 lakh | Get Quotes Now |
my: health SurakshaMin: 91 Days; Max: No Limit | 3 Lakh | Get Quotes Now |
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years | 3 Lakh - 10 Lakh | Get Quotes Now |
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years | 1 Lakh - 1 Crore | Get Quotes Now |
Dengue Care Policy Min: 91 Days; Max: 65 years | 50 Thousand - 1 Lakh | Get Quotes Now |
Easy Health PolicyMin: 91 days; Max: 65 years | 1 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 Years | 5 Lakh | Get Quotes Now |
Health WalletMin: 91 Days; Max: 65 Years | 3 Lakh | Get Quotes Now |
EnergyMin: 18 Years, Max: 65 Years | 2 Lakh | Get Quotes Now |
Optima SeniorMin: 61 Years; Max: No Limit | 2 Lakh | Get Quotes Now |
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years | 1 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 Plan | Sum Insured | |
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 Years | 3 Lakh | Get Quotes Now |
Optima SuperMin: 91 Days; Max: 65 Years | 5 Lakh | Get Quotes Now |
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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.