HDFC ERGO Optima Secure is a feature-rich health insurance. This plan is designed for individuals and families and the plan offers 2X coverage from day one at no additional cost, unlimited restoration not only this it also comes with many features that make it comprehensive such as no room rent capping, air ambulance, e-consultation and it also covers non-payable items which makes it special if you are looking for a health insurance you should definitely check out
Energy Gold - Key Highlights
No waiting period
Covers diabetes and hypertension from day one
Active wellness program
Wellness program to help you monitor and manage your health
Rewards
Stay healthy and earn reward points to avail reduced premiums
100% CSR
100% claim settlement ratio in last 3 months
10,769+ Hospitals
More then 10,000+ hospitals pan India
No waiting period
Covers diabetes and hypertension from day one
Features & Benefits
Shared accommodation
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims
Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
Note: Available optional 20% co-payment option
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
2,000 per hospitalization
Note: Covers ambulance charges before and after the hospitalization
Additional Features
Note: This is the important feature in future, it may need.
Maternity Benefit(s)
Note: Covers expenses around maternity, IVF, adoption, surrogacy and more.
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About HDFC ERGO
HDFC ERGO General Insurance Company is a leading insurance company in the Indian insurance market. This company offers various types of insurance like health, motor, travel, home and other insurance. It is a joint venture between HDFC Ltd which is a housing finance company and ERGO International AG which is the insurance unit of Munich Re Group. HDFC ERGO is the most reputed brand known for innovating insurance product with hassle free claim settlement. This company has a wide range of comprehensive health insurance plans for individual and families with a wide hospital network.
FAQs
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
Diabetes and blood pressure are covered from day one and a time period of 3 years is given for the remaining pre-existing illness. The policyholder can apply for a claim after the waiting period is over.
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
No, there is no cap on room rent in this plan and there are no other specific sub-limits.
Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.
No, this policy does not provide coverage for maternity and newborn baby expenses.
No, this policy is for individuals
No, there is no limit on room rent or any sub-limit on specific treatments or expenses.
Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
