The standard health insurance plan covers treatment costs up to a predetermined limit, but with the ever-increasing cost of treatment, the sum assured frequently appears inadequate. The HDFC ERGO General Insurance Optima Super top-up plan adds cost-sharing coverage to the existing insurance coverage.
It offers a variety of sum insured and deductible combinations so that you can select the coverage that best suits your needs. The policyholders benefit from a high deductible, which takes into account all treatment costs throughout the year. A claim for coverage beyond the limit can be made if the total of all expenses is greater than the threshold limit. One of the most cost effective plans is this one. If you have group health insurance, this plan can be easily converted into a standard health plan, so it’s a good option for retirement.
Also Read-HDFC ERGO Health Plan
Key Features of HDFC Ergo Health Super Plan
If you’re looking for a comprehensive healthcare plan that offers excellent value for money, the HDFC Ergo Health Super Plan is a great option. It comes with a wide range of essential health services, including mental health counseling, doctors consultations, and prescriptions. Plus, its high-deductible option lets you save on medical expenses while still receiving the benefits of comprehensive coverage. In this post, we’ll highlight some of the key features of this plan, so you can decide if it’s the right fit for you.
- Before paying a claim, it is an aggregate top-up plan in which all of the year’s claims are added up and compared to the deductible limit.
- It is available as either an Individual Plan or a Family Floater Plan. In an Individual Plan, a maximum of six people can be added to a single policy, including five children and four adults (yourself, your spouse, and any dependent parents).
- A maximum of two adults (in any combination of self, spouse, and dependent parents) and two children can be added to a Family Floater plan.
- The unique Waiver of Deductible benefit offered by this plan transforms the policy into a standard health plan with no deductible caps. If the policy was purchased before the age of 50, this option can be taken advantage of by individuals between the ages of 55 and 60, or at the beginning of the sixth policy year if the policy has been renewed annually.
- A discount of 7.5% is available for a two-year policy with premiums paid together for a discount of 7.5% for a two-year policy with premiums paid together for a discount of 7.5% for a two-year policy Free Healthline Service, which offers primary consultation, health counseling, individual referrals, and nutrition and diet advice, is available across more than 4000 hospitals in India.
- Free Health Risk Assessment that assists in determining each member’s health status and offers recommendations for diet, lifestyle, and nutrition
Check Also-HDFC ERGO Health Plan
What is covered in Health Optima Super Plan?
If you’re looking for a comprehensive health insurance plan that offers you the best possible coverage, Health Optima Super Plan might be the right option for you. This plan covers a wide range of medical services, from general healthcare to specialist care. Plus, it includes a variety of premiums and benefits that make it an excellent value for money. In this article, we’ll take a closer look at what is included in the Health Optima Super Plan, so you can make an informed decision about whether it’s the right fit for you.
Regular Benefits
| Hospitalization Benefit | Covered |
| Pre Hospitalization | 60 days |
| Post Hospitalization | 90 days |
| Day Care Procedures | Covered |
| Domiciliary Treatment | Not Covered |
Maternity Benefits:
| Waiting period | – |
| normal delivery | – |
| Caesarean Delivery | – |
| New Born Babies | – |
| Vaccinations | – |
Other Benefits
| Ayurvedic, Unani, Sidha & Homeopathy | – |
| Hospital Cash | – |
| Ambulance Charges | Up to Rs.2000 per hospitalization |
| Sum Insured Restoration | – |
| Health Check Up | – |
| Organ Donor | Covered |
| Second Opinion | – |
| Child Education Fund | – |
| Health Programs | – |
| Cumulative Benefit | – |
Exclusions – What is not covered in HDFC Ergo Health Optima Super Plan?
If you are looking for comprehensive coverage of all possible health risks, the HDFC Ergo Health Optima Super Plan may not be the right option for you. The plan excludes a number of common health risks, such as cancer and heart diseases. Furthermore, it does not cover certain types of medication, such as those used to treat mental health issues. If you are looking for a comprehensive health insurance plan that covers all possible risks, we recommend considering the HDFC Ergo Health Platinum Plan.
- All medicines besides inside initial 30 days, exemptions – unplanned case
- Prior conditions for initial 4 years
- HIV, Helps and related illnesses
- Mental turmoil, craziness, corrective medical procedure and weight control therapies
- Maltreatment of medications, liquor, drugs, intoxicant
- hospitalization because of war
- Pregnancy, dental except if explicit arrangement taken
- 2 years rejection for explicit sicknesses
- Exploratory, investigational or doubtful treatment, gadgets and pharmacological regimens
HDFC ERGO Optima Super Health Insurance Plan Switch Option
HDFC Thus Broad Protection gives you an interesting choice of changing over into an undeniable Nothing deductible Optima Super arrangement utilizing which, you will get a Waiver of Deductible advantage. It is not difficult to do and there are no guaranteeing or clinical trials for the equivalent. What’s more, this accompanies benefits like:
- Decreased Holding up Period: Every one of the holding up periods will be diminished by the quantity of years you have finished with HDFC Hence.
- Deductible Waiver: Your deductible will be deferred off and you are beginning to be covered from the principal rupee.
Coverage Under HDFC ERGO Optima Super Health Insurance Plan
If you are looking for high-quality healthcare cover, the HDFC ERGO Optima Super Health Insurance Plan is a great option to consider. This plan covers a wide range of medical expenses, including hospital, maternity, and childbirth costs. Plus, it offers a range of additional benefits, such as critical illness cover, dental cover, and much more. If you are in the market for a comprehensive insurance plan that offers great value for money, the HDFC ERGO Optima Super Health Insurance Plan is a great option to consider.
The safety net provider will pay for the accompanying costs just under this HDFC consequent top-up plan.
- In-patient Treatment Hospitalization costs for ailment or mishap
- Pre-Hospitalizations Clinical costs as long as 60 days before the date of hospitalization for a similar disease/injury.
- Post-Hospitalization Clinical costs as long as 90 days after release from the emergency clinic
- Childcare systems that don’t need 24 hours of hospitalization
- Clinical costs for the collecting of the organ
- Rescue vehicle Administration costs up to INR 2,000 for every hospitalization
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