HDFC ERGO Optima Secure Plan

The following medical expenses are excluded under the HDFC ERGO Optima Secure plan:

1. Obesity Control Treatment

   It does not cover the cost of any surgical treatment of obesity taken against the doctor’s advice.
2. Maternity Expenses

   It does not pay for any medical expenses resulting from pregnancy and childbirth.
3. Treatment for Alcoholism, Drugs or Substance Abuse

   It does not cover the cost of treating alcohol addiction, drugs and any substance abuse.
4. Treatment for Injuries Due to Hazardous Sports

   It does not pay for the treatment cost of injuries sustained due to participation in hazardous sports.
5. Sterility and Infertility Treatment

   It does not cover the medical expenses incurred on the treatment of sterility and infertility.
6. Cosmetic Surgery

   It does not pay for the cost of cosmetic surgery unless required after an accident.
7. Treatments for Investigation and Evaluation

   It does not cover the medical expenses incurred for diagnostics and evaluation purposes.
8. Unproven Treatment

   It does not pay for any unproven treatments, services or supplies for or in a treatment.

Optional Cover of HDFC ERGO Optima Secure Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. Emergency Air Ambulance

   It covers the cost of availing ambulance transportation through a helicopter or aeroplane during a medical emergency.
2. Daily Cash for Choosing Shared Room

   It pays a daily cash amount to the insured for choosing to stay in a shared room during hospitalization of at least 48 hours.
3. Protect Benefit

   It covers non-medical expenses incurred during hospitalization, such as masks, syringes, needles, cotton, etc.
4. Plus Benefit

   It increases the base sum insured of the policy by 50% for up to 100% for every claim-free year.
5. Secure Benefit

   It pays an additional amount to the policyholder to pay for all claims along with the base sum insured.
6. Automatic Restore Benefit

   It replenishes the base sum insured automatically in case of partial or complete utilization due to claims.
7. Aggregate Deductible

   It allows the policyholder to opt for a voluntary deductible payable on all claims and reduce the premium by up to 50%.
8. Waiver of Aggregate Deductible

   It provides the policyholder an option to reduce or waive off the applicable deductible after 5 continuous renewals
9. E-Opinion for Critical Illness

   It pays for the cost of availing a second medical opinion for a critical illness.
10. Global Health Cover (Emergency Treatments Only)

    It covers the emergency medical expenses incurred outside India, such as hospitalization expenses, e-opinion for a critical illness, organ donor expenses, etc.
11. Global Health Cover (Emergency & Planned Treatments)

    It pays for the expenses incurred on planned and emergency medical treatments outside India.
12. Overseas Travel Secure

    It covers the medical costs incurred on overseas travel, and accommodation availed for medical treatments abroad.