Terms and Conditions

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the prospectus or tables of the insurers.
2. Any person making default in complying with the provision of this section shall be punishable with fine which may extend to Ten Lakh Rupees.

Terms & Conditions Apply. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For add-on covers, additional premium will be charged. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs. ^^ Get Guaranteed Secure, Plus, Protect and Restore Benefits. ▲Rs. 24,279/- premium is including tax and for a 2-member Family Floater policy with age 35 years and 30 years. Premium shown above is for Optima Secure plan for Tier 1 (Delhi, NCR, Mumbai, Thane, Mumbai Suburban and Navi Mumbai, Surat, Ahmedabad & Vadodara) which includes tax. For calculating exact premium, please visit [www.hdfcergo.com]www.hdfcergo.com Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lakh up to Base Sum Insured of equal to or less than Rs. 20 lakhs. **Health Care Providers include Network hospitals and Diagnostic centres. Data as on November 2021. Please refer to the website [www.hdfcergo.com]www.hdfcergo.com for an updated network list. @As on November, 2021. °Subject to change in tax laws. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure / prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. UIN: my: Optima Secure - HDFHLIP21016V012122 | my:Health Critical Illness - HDFHLIA21466V022021 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021. UID: 10604.