HDFC ERGO Optima Select Plan
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HDFC ERGO Health Insurance
- Optima Select
HDFC ERGO Optima Select Plan
HDFC ERGO Optima Select plan provides comprehensive coverage against planned and emergency medical expenses. It doubles your sum insured in 2 years, irrespective of the claims, with the Plus benefit. The plan also restores the exhausted sum insured by 100% unlimited times a year for the same and unrelated illnesses with the Automatic Restoration benefit.
This HDFC ERGO health insurance policy covers the cost of non-medical items with the Protect benefit. Moreover, it offers preventive health check-up benefits every year from day 1 of the policy.
HDFC ERGO Optima Select Plan: Key Highlights
| Categories | Specifications |
| Sum Insured | ₹5 lakh to ₹25 lakh |
| Policy Tenure | 1 year, 2 years, 3 years |
| Pre-Policy Medical Check-ups | May be required |
| Pre-existing Diseases Waiting Period | 3 years |
| Specified Disease/Procedure Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Discount | 40% NRI discount Up to 10% long-term policy discount 10% family discount 5% online discount 2.5% loyalty discount |
| Co-payment | No co-pay |
Benefits of HDFC ERGO Optima Select Plan
Here are the key benefits of buying an HDFC ERGO Optima Select plan:
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Double Sum Insured
Policyholders can double their mediclaim policy sum insured in two years regardless of claims with the Plus benefit. However, this benefit is available as an add-on cover.
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Unlimited Automatic Restoration of Sum Insured
This health insurance policy automatically restores the sum insured amount by 100% upon exhaustion unlimited times a year for both same and unrelated illnesses. However, this benefit is available as an add-on cover.
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Preventive Health Check-ups
The HDFC ERGO General Insurance Company covers the cost of preventive health check-ups every year, starting from day 1 of the policy. However, this benefit is available as an add-on cover.
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Cumulative Bonus
With the cumulative bonus, policyholders can enhance their sum insured by 25% for a maximum of 100%, irrespective of the claims filed in the previous policy year.
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Tax Benefits
Policyholders can earn tax deductions on HDFC ERGO Optima Select premiums under Section 80D of the Income Tax Act.
HDFC ERGO Optima Select Plan Eligibility Criteria
Take a look at the eligibility criteria to buy an HDFC ERGO Optima Select plan:
| Parameters | Eligibility Criteria |
| Minimum Entry Age | Adult – 18 years Child – 91 days |
| Maximum Entry Age | Adult – No age limit Child – 25 years |
| Coverage Type | Individual, Family floater |
| Renewability | Lifetime |
Inclusions of HDFC ERGO Optima Select Plan
The HDFC ERGO Optima Select plan comes with the following inclusions:
- In-patient Hospitalization Expenses – It covers the cost of obtaining treatment at a hospital by staying for 24 hours or more.
- Road Ambulance Charges – It pays for road ambulance charges incurred on transporting the insured to and from the hospital.
- Day Care Treatments – It covers the cost of all day care treatments that require less than 24 hours of hospitalization.
- Home Health Care – It pays for the medical expenses incurred on obtaining treatments at home.
- Domiciliary Hospitalization – It covers the cost of availing hospital-like medical treatment at home at doctor's suggestion in case shifting to a hospital is not possible.
- AYUSH Treatment – It pays for in-patient treatments availed by the insured under AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) systems of medicines.
- Pre-Hospitalization Expenses – It covers the healthcare expenses for up to 60 days before getting hospitalized.
- Post-Hospitalization Expenses – It pays for the healthcare expenses for up to 180 days after being discharged from the hospital.
- Organ Donor Expenses – It covers the hospitalization expenses of the organ donor incurred towards harvesting the donated organ for a transplantation of the insured.
- Modern Treatments – It pays for 12 technologically advanced and modern treatments obtained by the insured, including deep brain stimulation, oral chemotherapy, robotic surgery, etc.
Optional Covers:
- Protect Benefit – It pays for the cost of consumables incurred by the insured during hospitalization, such as gloves, syringes, cotton, etc.
- Plus Benefit – It increases the sum insured by 50% at the time of policy renewal for up to a maximum of 100%.
- Automatic Restore Benefit – It automatically restores the sum insured amount by 100% unlimited times a year for both and unrelated illnesses.
- Aggregate Deductible – It allows policyholders to reduce their premiums by opting for an aggregate deductible. Moreover, they will have the option to remove the aggregate deductible once in the lifetime of the policy.
- PED Waiting Period Modification – It reduces the pre-existing disease (PED) waiting period from 3 years to 2 years or 1 year.
- Modification of Room Rent – It allows the policyholder to upgrade the hospital room category from a single private AC room to at actuals or reduce it to a shared hospital room.
- Preventive Health Check-ups – It pays for the cost of annual health check-ups available from day 1 of the policy.
Exclusions of HDFC ERGO Optima Select Plan
The following medical expenses are excluded by the HDFC ERGO Optima Select plan:
- Maternity expenses
- Obesity and weight-control treatments
- Treatments for alcoholism or drug addiction
- Cosmetic or plastic surgery
- Sterility and infertility
- Injuries due to participation in adventure/hazardous sports
- Dietary supplements and substances
- Congenital external anomalies
- Unproven treatments
HDFC ERGO Optima Select Plan: FAQs
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Q1. Is HDFC ERGO Optima Select a good plan?
Ans: Yes. The HDFC ERGO Optima Select plan is a good plan for people who want medical coverage for hospitalization expenses, home care treatments, cost of consumables, modern treatments, preventive health check-ups, etc.
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Q2. Is HDFC ERGO Optima Select cashless?
Ans: Yes. You can avail cashless treatment at any hospital of your choice across India with the Optima Select plan.
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Q3. Where can I check the HDFC ERGO Optima Select plan price?
Ans: You can check the HDFC ERGO Optima Select plan cost by contacting the customer support team of the insurer or checking the policy premium chart. You can also use a health insurance premium calculator to know the price of this mediclaim policy.The contact number of HDFC ERGO health insurance in Kerala is 022 6158 2020 and 011 6158 2020. You can also connect with the insurer on WhatsApp at 8169 500 500.
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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