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The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up to 4x the sum insured at no additional cost.
This comprehensive policy covers individuals and families for hospitalization, pre and post-hospitalization costs, and day-care treatment, among other benefits. HDFC ERGO Health Insurance also provides flexible premium payment options.
With its standard policy inclusions, long-term protection, and extensive coverage, the HDFC ERGO Optima Secure Plan is a valuable choice for individuals seeking a reliable and cost-effective health insurance policy.
| PLAN DETAILS |
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Hdfc Ergo Optima Secure |
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Global Health Care |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 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 | 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) |
15000 | 18400 |
| 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 | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | 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 | Child: 3 months - 30 years Adult: 18 - 65 years |
| Plan Premium Entry Age and S/A | 6525 | 52,356 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | Individual/ Family Floater | In-patient hospitalization worldwide, pre & post-hospitalization expenses, daycare procedures, air & road ambulance, mental health & rehabilitation treatments. |
| Plan Sample Premium | 6525 | 52,356 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Not covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 95.30 | 99.23 |
| Solvency Ratio | 2.00 | 3.25 |
|
HDFC ERGO Optima Secure Health Plan 2024 |
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