Hdfc Ergo Optima Secure

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, the room rent is covered up to the actual amount.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, ICU charges are covered up to the Sum Insured.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan medical expenses incurred during pre-hospitalization are covered for up to 180 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure, domiciliary hospitalization is covered up to SI.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure covers the expenses of daycare treatment up to SI.

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure does not cover OPD charges.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC Ergo Optima Secure?

COVID-19 treatment is covered by HDFC Ergo Optima Secure Plan.

A common eye condition in which your vision gets blurred.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure Plan does cover cataract treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under HDFC Ergo Optima Secure?

The cumulative Bonus is available under HDFC Ergo Optima Secure, 10% of the Base Sum Insured, up to a maximum of 100% for each claim-free year.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure automatic restoration is available up to base SI.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure, organ donor expenses are covered up to SI

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, Ambulance expenses are covered up to SI.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, Air Ambulance is covered up to INR 5 Lakh.

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure compassionate plan is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Global coverage is not available.

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure e-consultation is covered for 51 critical illnesses.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under HDFC Ergo Optima Secure?

Under the HDFC Ergo Optima Secure second medical opinion is not covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under HDFC Ergo Optima Secure?

Not Applicable under HDFC Ergo Optima Secure