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Hdfc Ergo Optima Secure
6525
VS
Star Assure Plan
The HDFC ERGO Optima Secure Plan is a policy specifically designed to provide policyholders with improved financial protection against increased healthcare costs. The policy offers policyholders up to 4x sum insured at no additional cost.
It provides comprehensive coverage for individuals and families, which covers hospitalization costs, pre and post-hospitalization costs, and day-care treatment, among other things. Another feature of HDFC ERGO Health Insurance is that it offers flexible premium payment options for making health insurance premium payments.
Under the standard policy inclusions, long-term protection, and coverage, the HDFC ERGO Optima Secure Plan is valuable for an individual looking for a reliable and cost-effective health insurance policy.
| PLAN DETAILS |
Hdfc Ergo Optima Secure |
Star Assure Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| 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 | 14000 |
| 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 | Not 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 | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Applicable |
| Plan Entry Age | 18 years to No Maximum Limit | Child: 16 Days - 17 Years, Adult: 18 - 75 Years |
| Plan Premium Entry Age and S/A | 6525 | 9762 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | Individual/ Family Floater | - |
| Plan Sample Premium | 6525 | - |
| 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 | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 95.30 | 99.06 |
| Solvency Ratio | 2.00 | 2.21 |
|
HDFC ERGO Optima Secure Health Plan 2024 Star Health Insurance Plan Detailed Review |
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