Q1. Is there any waiver of the deductibles within the policy?

Ans: Yes. The HDFC ERGO Optima Plus Insurance plan allows the insured individual to forgo the deductible. In place of the deductible, the insured can choose a 5 Lakh health policy with indemnity only if they have been insured for the first time, are below 50, and have renewed the policy without interruptions.

Q2. Is the HDFC ERGO Optima Plus Insurance plan a good health policy?

Ans: Yes. The HDFC ERGO Optima Plus Insurance Plan is a good plan to purchase since it can be combined with another or standalone policy. Additionally, it is a policy that provides the insured with the most protection at an affordable cost.

Q3. Who can be included in the HDFC ERGO Optima Plus Insurance plan?

Ans: The policy can include the insured, their spouse, dependent children and dependent parents.

HDFC ERGO Optima Plus Insurance Plan

The HDFC ERGO Optima Plus is a health insurance plan that has been created to provide the highest protection in case of hospitalization resulting due to a medical emergency. It is an affordable premium policy that can be used as a standalone zero-deductible health plan or along with an existing HDFC Ergo medical policy.

HDFC ERGO Optima Plus
Categories	Specifications
Sum insured or dependents
Policy Tenure	1 year, 2 years
Network Hospitals	12000+
Incurred Claim	97.47%
Pre-Existing Diseases Waiting Period	4 Years
Specific Diseases Waiting Period	2 Years
Initial Waiting Period	30 Days

HDFC ERGO Optima Insurance: Benefits

The benefits of the HDFC ERGO Optima Health Insurance plan have been explained in detail below:

In-Patient Treatment – The medical expenses covered under in-patient benefits are room rent, boarding, and ICU expenses. It also includes costs that accommodate medical professionals, equipment, diagnostic tests, surgical procedures and any prosthetics or devices provided to the insured or dependents.
Pre-Hospitalisation Benefit – The pre-hospitalisation benefit covers various illnesses and medical conditions. It is applicable up to 60 days before the insured or dependents have been admitted to the hospital.
Post-Hospitalisation Benefit – With the post-hospitalisation benefit, the insured or dependents individual can file for claims 90 days after the insured or dependents have been discharged from the hospital.
Day Care Procedures – Any procedure that does not require 24-hour hospitalisation of the insured or their dependents is also covered. The cover is provided for 140 days.
Domiciliary Treatment – Through this benefit, the insured or the dependent can avail of medical treatment for their health issues at home. The expenses incurred will be covered through the HDFC ERGO Optima Plus Insurance Plan.

Eligibility Criteria: HDFC ERGO Optima Plus Insurance Plan

HDFC ERGO Optima Plus
Parameters	Eligibility Criteria
Minimum Entry Age	Adult - NA Child – 91 Days
Maximum Entry Age	Adult- 65 Years Child – 5 Years
Coverage Type	Individual
Renewability	Lifelong

HDFC ERGO Optima Plus Insurance: Inclusions

The inclusions provided with the HDFC ERGO Optima Plus Insurance plan are as follows:

Emergency Ambulance – It provides the insured or the dependents with cash benefits. It provides them with a cover of up to Rs. 2000 for each hospitalisation that requires ambulance services to transport the insured or the dependent to the nearest hospital.
Family Discount – The HDFC ERGO Optima Plus Insurance provides the insured with a discount of 10%. It is available if two or more individuals from the same family are covered under the HDFC ERGO Optima Plus insurance policy.
Discount on Premium – Another inclusion available for the HDFC ERGO Optima Plus insurance policyholders is the discount on the premium amount. A 7.5% discount on the premium is provided if the insured pays a premium for 2 years in advance.

HDFC ERGO Optima Plus Insurance Plan: Exclusions

The following are the exclusions of the HDFC ERGO Optima Plus insurance plan:

Any expenses related to diagnostic tests and evaluation.
Any rest, care, rehabilitation or custodial care at home.
Any form of weight loss or obesity-related surgeries
Gender change surgery or treatments.
Any form of adventure sports or hazardous activity.
Treatment for addiction to alcohol or substance abuse.
Vision-related treatments or correction of refractive errors.
Any form of reproduction or childbirth treatments and surgeries.

FAQs

Q1. Is there any waiver of the deductibles within the policy?

Ans: Yes. The HDFC ERGO Optima Plus Insurance plan allows the insured individual to forgo the deductible. In place of the deductible, the insured can choose a 5 Lakh health policy with indemnity only if they have been insured for the first time, are below 50, and have renewed the policy without interruptions.
Q2. Is the HDFC ERGO Optima Plus Insurance plan a good health policy?

Ans: Yes. The HDFC ERGO Optima Plus Insurance Plan is a good plan to purchase since it can be combined with another or standalone policy. Additionally, it is a policy that provides the insured with the most protection at an affordable cost.
Q3. Who can be included in the HDFC ERGO Optima Plus Insurance plan?

Ans: The policy can include the insured, their spouse, dependent children and dependent parents.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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