Lifestyle diseases are at the rise. Thanks to a sedentary lifestyle, bad food habits and increasing stress, we’re more vulnerable to non-communicable diseases. And treating them is the real hurdle as they come at a cost. Adding to this, a critical illness plan like HDFC ERGO Health Optima Vital, helps you stay healthy without breaking the banks. Here’s how:
The policy comes with the following features:
|Sum Insured||1,2,3,4,5,10,15,20,25,30,35,40,45,50 (lakhs)|
|Coverage for 37 Critical Illnesses||Cancer of Specified Severity, major burns, kidney failure, end-stage liver disease, apallic syndrome and so on|
|E-opinion in respect of a Critical Illness||Second opinion from a medical practitioner|
(Refer the policy document for the complete list of illnesses covered)
HDFC ERGO Health Optima Plan cannot be claimed under below conditions:
(For the complete list of exclusion, please refer to the policy document)
|Minimum entry age||18 years-25 years|
|Maximum entry age||65 years|
|Family Definition||Individual Plan - A maximum of 4 adults and a maximum of 5 children can be included|
|Calculation of premium||Basis of age and the sum insured chosen|
|Policy Tenure||1 & 2 years|
|Sum Insured||1,00,000-5,00,00020,00,000 for age above 55 years|
Pre- Policy Check-up:
A pre-policy medical test will be required in case of sum insured Rs. 6 lakh or more or it is compulsory for the age group 46 years or above. However, the insurer will reimburse the expenses incurred due to the test on acceptance of the policy proposal. The health-check up reports are valid for a period of 30 days.
HDFC ERGO Health Optima Vital Plan can be renewed either online or offline. Online renewal offers the comfort of renewing your policy even sitting at the office or lying on the bed. To renew your policy online, the insured has to follow certain steps.
Below are the steps of renewing the HDFC ERGO Health health insurance online:
The premiums are subject to change as per the prior approval from IRDA. However, the insurance company is obliged to intimate the insured about any change 3 months prior to the renewal date.
HDFC ERGO Health ensures hassle-free claim settlement. However, you can claim your policy in a smooth manner only if you approach the right way. In this regard, the insurer has set certain easy steps to claim HDFC ERGO Health Maxima policy. In order to claim you're critical illness policy with HDFC ERGO Health :
At the time of registering a claim, you’ll require to provide the below information:
The following documents are to be furnished to claim HDFC ERGO Health Optima Vital Plan:
Points to Remember: