So Much Trust
-
Quick Turnaround Time
Offers quick turnaround time, reducing pre-authorisation hurdles.
-
Quick Claim Payment
Get quick claim settlements, to honour every genuine claim.
-
Trust of HDFC ERGO
- 12,000+ cashless network healthcare providers**
- 24x7 call centre servicing in 10 languages
- Family of 1.5 Cr+ happy customers@
-
Illustration of Sum Insured Utilisation
Number of Claim Claim Amount Available Benefit Limit Admissible Claim Amount Utilisation of Sum Insured Base Sum Insured Plus Benefit Secure Benefit Restore Benefit 1st Claim 3,00,000 5,00,000 2,50,000 5,00,000 0 3,00,000 Base (partial) 2nd Claim 14,00,000 2,00,000 2,50,000 5,00,000 3,00,000 12,50,000 Base (balance) + Plus + Secure + Automatic Restore (partial) 3rd Claim 3,00,000 - - - 2,00,000 2,00,000 Automatic Restore (partial) - Optima Secure plan with second policy year in progress
- A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure benefit.
-
Schedule of Benefits (All Limits Are in INR)
Plan Name Optima Secure Base Sum Insured (in Lakhs) 5/10/15/20/25/50/100/200 Room Rent Sum Insured less than 50L: Up to single AC private room
Sum Insured 50L and above: All room types coveredHospitalisation Expenses Up to Sum Insured AYUSH Treatment Up to Sum Insured Domiciliary Hospitalisation Up to Sum Insured Organ Donor Expenses Up to Sum Insured Home Healthcare Up to Sum Insured Pre-Hospitalisation (60 days) Up to Sum Insured Post-Hospitalisation (180 days) Up to Sum Insured Secure Benefit 100% of Base Sum Insured Protect Benefit Up to Sum Insured Plus Benefit Irrespective of claim status, increase of 50% of Base Sum Insured in a policy year, maximum up to 100% Restore Benefit Up to 100% of Base Sum Insured for any illness any insured person Emergency Ambulance Road: Up to Sum Insured
Air: Up to 500,000Daily Cash for Choosing Shared Accommodation 800 per day (max up to 4,800) E-Opinion for Critical Illness Once per insured person (for 51 defined major illnesses)
Disclaimer: @As on July, 2022. **Healthcare Providers include Network hospitals and
Diagnostic centers. Data as on 15th December, 2022 . Please refer to the website www.hdfcergo.com for
an
updated network list.