Hdfc Ergo Optima Secure
vs
Family Floater Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
786-1730279051.webp){kind=logo} Hdfc Ergo Optima Secure |
 Family Floater Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Family |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12000 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 18 years to No Maximum Limit | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 6525 | 2,636 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/ Family Floater | - |
| Plan Sample Premium | 6525 | 2,636 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1,2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 98.59 | 90.73 |
| Solvency Ratio | 1.7 | 1.8 |
HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you and your near and dear ones with SO MUCH benefits, the gift of better health, that too without compromising on optimal health coverage. The whopping 4x cover comes with no extra cost and enhances the healthcare experience with its worldwide reach. You get to pay your premium anytime you like, without paying anything extra.
Wasn’t it enough to get you stuck on this page? All the standard inclusions of healthcare needs such as pre and post-hospitalisation, unlimited day-care procedures and discount options would never disappoint you. Let us tell you, this is not over yet! But if you want to know more about the HDFC ERGO optima secure policy, read further through this page.
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