Q1. Will HDFC ERGO Optima Secure cover the cost of a single private room?

Ans: No. This HDFC ERGO senior citizen health insurance plan offers coverage for shared accommodation in a hospital. If you opt for a single private room, you will have to pay a co-payment of 30%.

Q2. How can I check HDFC ERGO senior citizen health insurance premium?

Ans: You can check the premium of the HDFC ERGO senior citizen health insurance plan by referring to its premium chart or contacting a customer executive of the insurance company.

Q3. Does HDFC ERGO Optima Senior cover overseas hospitalization expenses?

Ans: No. The HDFC ERGO Optima Senior plan does not cover medical expenses incurred outside India.

Q4. Can I cancel my HDFC ERGO Optima Senior policy after buying?

Ans: Yes. You can cancel your HDFC ERGO Optima Senior policy without paying any cancellation fee during the free look period of 30 days. But a cancellation fee will apply if you cancel your policy after 15 days.

Q5. Are AYUSH treatments covered by the HDFC ERGO senior citizen health insurance policy?

Ans: No. The HDFC ERGO Optima Senior policy does not cover AYUSH treatments.

HDFC ERGO Optima Senior Plan: Benefits, Buy & Renew Online

HDFC ERGO Optima Senior Plan

HDFC ERGO Optima Senior has been designed to provide comprehensive coverage to senior citizens above the age of 60 years. It pays for the cost of hospitalization along with ambulance services and organ donor treatment. Moreover, the plan also offers coverage for domiciliary hospitalization and e-opinion taken for a critical illness.

Categories	Specifications
Sum Insured	Rs 2 lakh, Rs 3 lakh, Rs 5 lakh
Policy Tenure	1 year, 2 years, 3 years
Incurred Claim Ratio (2021-22)	97.47%
Pre-Policy Medical Check-ups	Required
Pre-existing Diseases Waiting Period	3 years
Specific Diseases Waiting Period	2 years
Initial Waiting Period	30 days
Discount	5% family discount Up to 10% long-term policy discount
Co-payment	15% on all claims 30% on opting for a higher room category

Benefits of HDFC ERGO Optima Senior Plan

Check out the benefits of buying an HDFC ERGO Optima Senior plan:

1. Customized for Senior Citizens

The HDFC ERGO senior citizen health insurance plan has been tailor-made to suit senior citizens’ medical needs. Thus, it provides coverage for home hospitalization, organ donor treatment, emergency ambulance services and second medical opinion.

2. No Claim Discount

Policyholders can reduce their renewal premium by 5% by earning a no claim discount if no claim is raised in the previous policy year.

3. Tax Benefits

The premium paid for the HDFC ERGO Optima Secure policy can be used to get tax deductions under Sec 80D of the Income Tax Act.

HDFC ERGO Optima Senior Plan Eligibility Criteria

Check out the eligibility criteria for buying an HDFC ERGO Optima Senior plan:

Parameters	Eligibility Criteria
Minimum Entry Age	61 years
Maximum Entry Age	No age limit
Coverage Type	Individual/ Family
No. of family Members Covered	2
Types of Relationships Covered	Self, spouse
Renewability	Lifelong

Inclusions of HDFC ERGO Optima Senior Plan

The following medical expenses are included in an HDFC ERGO Optima Senior plan:

In-patient Treatment – This HDFC ERGO health insurance policy pays for treatment costs incurred during hospitalization of at least 24 hours, such as room rent, doctor fees, etc.
Pre-hospitalization Medical Expenses – It covers the cost of doctor consultations, medicines and diagnostic tests for up to 30 days before hospital admission.
Post-hospitalization Medical Expenses – It pays for the medical expenses incurred on follow-up consultations and diagnostic tests for up to 60 days after hospital discharge.
Day Care Procedures – It covers the cost of all day care procedures that requires less than 24 hours of hospitalization.
Domiciliary Treatment – It pays for the medical treatment taken at home on the advice of a doctor, provided hospitalization is not possible.
Organ Donor Expenses – It covers the treatment cost of a donor for harvesting the organ for a transplant surgery of the insured.
Emergency Ambulance Cover – It pays for the ambulance services availed for transporting the insured during a medical emergency.
E-Opinion – It covers the cost of a second medical opinion taken by the insured once a year for a critical illness.

Exclusions of HDFC ERGO Optima Senior Plan

The HDFC ERGO Optima Senior plan excludes the following:

OPD treatment
Dental treatment
Non-medical expenses
Treatments due to drug or alcohol abuse
External aids and appliances
Cosmetic surgery
Pregnancy
Congenital external diseases
Experimental or unproven treatment
Hospitalization due to war or nuclear perils

FAQs

Q1. Will HDFC ERGO Optima Secure cover the cost of a single private room?

Ans: No. This HDFC ERGO senior citizen health insurance plan offers coverage for shared accommodation in a hospital. If you opt for a single private room, you will have to pay a co-payment of 30%.
Q2. How can I check HDFC ERGO senior citizen health insurance premium?

Ans: You can check the premium of the HDFC ERGO senior citizen health insurance plan by referring to its premium chart or contacting a customer executive of the insurance company.
Q3. Does HDFC ERGO Optima Senior cover overseas hospitalization expenses?

Ans: No. The HDFC ERGO Optima Senior plan does not cover medical expenses incurred outside India.
Q4. Can I cancel my HDFC ERGO Optima Senior policy after buying?

Ans: Yes. You can cancel your HDFC ERGO Optima Senior policy without paying any cancellation fee during the free look period of 30 days. But a cancellation fee will apply if you cancel your policy after 15 days.
Q5. Are AYUSH treatments covered by the HDFC ERGO senior citizen health insurance policy?

Ans: No. The HDFC ERGO Optima Senior policy does not cover AYUSH treatments.

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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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