Q1. Is purchasing the HDFC ERGO Optima Super Health Insurance plan a good choice?

Ans: Yes. The purchase of HDFC ERGO Optima Super Health Insurance plan is a good choice. The plan provides the insured with a wide range of benefits like in-patient treatment, pre-hospitalization, and organ donor benefits, among many others.

Q2. Does the HDFC ERGO Optima Super Health Plan provide a free look period?

Ans: Yes. The HDFC ERGO Optima Super Health Plan provides a free look period of 15 days only for purchases. The free look period is applicable from the date of purchase of the new policy.

Q3. Are there any tax benefits on purchasing the HDFC ERGO Optima Super Health Plan?

Ans: Yes. Tax benefits are provided on the premium amount paid for the HDFC ERGO Optima Super Health Insurance Plan. The tax benefits are applicable under Section 80D of the Income Tax Act.

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.

HDFC ERGO OPTIMA SUPER INSURANCE PLAN
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	97.47%
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

HDFC ERGO OPTIMA SUPER INSURANCE
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.

FAQs

Q1. Is purchasing the HDFC ERGO Optima Super Health Insurance plan a good choice?

Ans: Yes. The purchase of HDFC ERGO Optima Super Health Insurance plan is a good choice. The plan provides the insured with a wide range of benefits like in-patient treatment, pre-hospitalization, and organ donor benefits, among many others.
Q2. Does the HDFC ERGO Optima Super Health Plan provide a free look period?

Ans: Yes. The HDFC ERGO Optima Super Health Plan provides a free look period of 15 days only for purchases. The free look period is applicable from the date of purchase of the new policy.
Q3. Are there any tax benefits on purchasing the HDFC ERGO Optima Super Health Plan?

Ans: Yes. Tax benefits are provided on the premium amount paid for the HDFC ERGO Optima Super Health Insurance Plan. The tax benefits are applicable under Section 80D of the Income Tax Act.