*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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HDFC ERGO Optima Senior has been designed to provide comprehensive coverage to senior citizens above the age of 60 years. It pays for the cost of hospitalization along with ambulance services and organ donor treatment. Moreover, the plan also offers coverage for domiciliary hospitalization and e-opinion taken for a critical illness.
|Sum Insured||Rs 2 lakh, Rs 3 lakh, Rs 5 lakh|
|Policy Tenure||1 year, 2 years, 3 years|
|Incurred Claim Ratio (2021-22)||97.47%|
|Pre-Policy Medical Check-ups||Required|
|Pre-existing Diseases Waiting Period||3 years|
|Specific Diseases Waiting Period||2 years|
|Initial Waiting Period||30 days|
|Discount||5% family discount
Up to 10% long-term policy discount
|Co-payment||15% on all claims
30% on opting for a higher room category
Check out the benefits of buying an HDFC ERGO Optima Senior plan:
The HDFC ERGO senior citizen health insurance plan has been tailor-made to suit senior citizens’ medical needs. Thus, it provides coverage for home hospitalization, organ donor treatment, emergency ambulance services and second medical opinion.
Policyholders can reduce their renewal premium by 5% by earning a no claim discount if no claim is raised in the previous policy year.
The premium paid for the HDFC ERGO Optima Secure policy can be used to get tax deductions under Sec 80D of the Income Tax Act.
Check out the eligibility criteria for buying an HDFC ERGO Optima Senior plan:
|Minimum Entry Age||61 years|
|Maximum Entry Age||No age limit|
|Coverage Type||Individual/ Family|
|No. of family Members Covered||2|
|Types of Relationships Covered||Self, spouse|
The following medical expenses are included in an HDFC ERGO Optima Senior plan:
The HDFC ERGO Optima Senior plan excludes the following:
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