HDFC ERGO Optima Super Insurance Plan

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      HDFC ERGO Optima Super Insurance Plan

      HDFC ERGO Optima Super Insurance is an aggregate health plan designed to help the policyholder increase the sum-insured amount as per their requirement. The insured can convert the plan into a regular one with zero deductibles. Therefore, it is a good choice for individuals already having a group cover with low-sum insured guaranteed policies.

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      Key Benefits: HDFC ERGO Optima Super Insurance

      Categories Specifications
      Sum Insured Rs. 5,00,000 to Rs. 10,00,000
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 12000+
      Incurred Claim


      Pre-policy Medical Checkup From 45 to 60 years
      Pre-Existing Disease Waiting Period 4 years
      Specific Disease Waiting Period 2 years
      Initial Waiting Period 30 days

      Benefits of HDFC ERGO Optima Super Insurance Plan

      The benefits of purchasing the HDFC ERGO Optima Super Insurance Plan are mentioned as follows:

      • In-patient Treatment - The HDFC ERGO Optima Super Insurance Plan provides coverage for any expenses incurred on hospitalization resulting from an illness or accident.
      • Organ Donor Expenses - The insurance also offers coverage for medical expenses incurred when harvesting the donated organs for the insured individual.
      • Pre-Hospitalisation - Any expenses incurred within the 60 days just before hospitalization of either the insured or any dependents
      • Post-hospitalisation - The policy compensates the insured for all expenses incurred within 90 days of getting discharged from the hospital.
      • Ambulance Services - HDFC ERGO Optima Super Insurance plan also accounts for the expenses incurred for using ambulance services up to Rs. 2000 on each hospitalization.
      • Day Care Procedures - The HDFC ERGO Optima Super Insurance plan also provides the insured with benefits for any daycare procedures that do not need to be admitted to a hospital for 24 hours.

      HDFC ERGO Optima Super Insurance Plan Eligibility Criteria

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Children- 91 days
      Maximum Entry Age Adult – 65 years

      Children – 5 years

      Coverage Type Individual/ Family Floater
      Renewability Lifelong

      Inclusions of the HDFC ERGO Optima Super Plan

      • Hospitalization expenses – The HDFC ERGO Optima Super Insurance plan offers coverage for any illnesses or injuries upto the sum insured limit. COVID-19 hospitalization is also covered.
      • Daily Hospital Cash – Anyone insured with this policy will be offered Rs. 1000 per day as out-of-pocket hospital expenses.
      • E-Opinion – HDFC ERGO Optima Super Insurance Plan provides the insured with e-Opinion facility for nearly 51 different illnesses and health issues. It helps in getting opinions from all the empanelled health providers.
      • Alternative Treatments – This plan provides coverage for expenses incurred on Ayurveda, Naturopathy, Unani, Siddha, Homeopathy and Yoga up to the sum-insured limit.
      • Emergency Air Ambulance – The purchase of HDFC ERGO Optima Super plan also ensures that the expenses incurred on emergency air ambulance are reimbursed up to Rs 5 lakh.
      • Preventive Health Checkup – Purchasing HDFC ERGO Optima Super Plan also ensures that the insured receives a free health check-up facility at the time of policy renewal.

      Exclusions of the HDFC ERGO Optima Super Health Plan

      The insurer will not provide compensation for the following expenses:

      • Any treatments undertaken within the first 30 days of purchasing the Optima Super insurance plan, except accidental injuries.
      • In case the insured or any of their dependents has a congenital disease or has undergone cosmetic surgery.
      • Any experimental, investigative or unproven treatment or research methods.
      • Hospitalization resulting from an act of war or any form of warfare done through nuclear, chemical or biological methods.
      • In case of a pregnancy of the insured or the dependent or in the case of external appliances or aids.
      • Misuse of alcohol, intoxicant drugs or any hallucinogens.


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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