Key Benefits:
- Secure Benefit (3X Coverage from Day 1)
- Instant Coverage Increase: This unique benefit triples the base cover immediately and automatically from the policy’s start date.
- Example: If you choose a base cover of INR 10 lakhs, the Secure Benefit increases it to INR 30 lakhs from day one at no extra cost.
- Plus Benefit (Additional Coverage Over Time)
- Automatic Increment: The base cover automatically increases by 50% after the first year and by 100% after the second year, regardless of any claims.
- Example: If the base cover is INR 10 lakhs, it becomes 15 lakhs in the second year and 20 lakhs in the third year, providing increasing protection without needing a full no-claims bonus.
- Restore Benefit (Coverage Restoration Post-Claim)
- Full Restoration: If a claim (partial or full) is made, the base cover amount is fully restored once within the same policy year, free of charge.
- Example: For a policy with a base cover of INR 10 lakhs, after a claim that reduces the cover, another INR 10 lakhs is restored.
- Protect Benefit (Non-Medical Expense Coverage)
- Covers Consumables: This covers non-medical consumables, such as gloves, masks, and other items that might add 10-20% to the total bill.
- Automatic Application: It activates automatically and is built into the policy with no added cost.
Coverage Options:
- Pre- and Post-Hospitalization Expenses
- Extended Period: Covers medical costs up to 60 days pre-hospitalization and 180 days post-hospitalization, beyond the usual 30 and 90 days provided by most plans.
- Home Healthcare
- Cashless Home Treatment: Treatment received at home, under medical advice, can be covered cashlessly in select cities. This includes doctor consultations, nursing, and other home-based care.
- Daily Cash for Shared Room Accommodation
- Daily Allowance: Provides INR 1,000 per day, up to INR 6,000, if you choose a shared room for a hospital stay exceeding 48 hours.
- Out-of-Pocket Expenses: This allowance is designed to help cover peripheral expenses, such as food, travel, and caregiver costs.
- AYUSH Treatment
- Alternative Medicine: Covers in-patient treatment expenses under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH), providing flexibility in treatment choices.
- Organ Donor Expenses
- Donor Coverage: Includes medical costs associated with organ donation for transplantation, covering the donor’s in-patient expenses for harvesting the organ.
- Emergency Air Ambulance
- Air Transport: Covers air ambulance expenses up to INR 5 lakhs in emergency situations requiring urgent transfer to a medical facility.
Deductibles and Discounts:
- Aggregate Deductible:
- Optional Deductibles: Choose a deductible (INR 25,000 to 3 lakhs) to lower premium costs by up to 65%.
- Example: Choosing an INR 25,000 deductible can earn a 25% discount on the premium.
- Loyalty Discount
- Discount on Renewal: A 2.5% discount applies if you hold another active HDFC ERGO policy with a premium over INR 2,000.
- Family Discount
- Discount for Family Members: A 10% discount applies if two or more family members are covered under the same policy in an individual coverage plan.
- Tax Benefits:
- Section 80D: Policyholders can claim tax deductions on premiums paid, under Section 80D of the Income Tax Act (subject to applicable tax laws).
Additional Features and Add-Ons:
- Unlimited Restorations:
- Restoration with Add-On: An add-on option provides unlimited restorations in a policy year, offering flexibility for multiple claims without depleting coverage.
- my Critical Illness Add-On:
- Critical Illness Protection: Covers 51 critical illnesses with sum insured options from INR 1 lakh to INR 2 crore, paid in a lump sum upon diagnosis.
- Hospital Cash Benefit Add-On:
- Daily Cash Allowance: Provides options from INR 500 to INR 10,000 per day to cover incidental, out-of-pocket expenses during hospitalization.
- Lifelong Renewals and No Claim-Based Loading:
- Guaranteed Renewals: Lifetime renewals without premium increases due to claim history.
- Geography-Based Freedom: No extra charges based on treatment location within India.
- Policy Portability:
- Switching Options: Easily switch from other insurance policies to HDFC ERGO while retaining benefits, subject to underwriting guidelines.
The Optima Super Secure plan offers extensive coverage with unique benefits and customizable options, allowing you to tailor the plan to your needs while benefiting from long-term savings and enhanced coverage limits.
1. What is the HDFC ERGO Optima Super Secure plan?
- Answer: It’s a health insurance plan offering extensive benefits, like 3X base coverage from day one, automatic coverage increases over time, non-medical expense coverage, and options for unlimited coverage restoration.
2. How does the Secure Benefit work in Optima Super Secure?
- Answer: Secure Benefit triples the base cover immediately at no extra cost, giving you 3X coverage from the start of the policy.
3. What is the Plus Benefit in Optima Super Secure?
- Answer: Plus Benefit increases your base cover by 50% after the first year and 100% after the second year, even if you’ve made claims.
4. Does HDFC ERGO Optima Super Secure cover non-medical expenses?
- Answer: Yes, under the Protect Benefit, it covers non-medical consumables like gloves, masks, and more during hospitalization.
5. Is home healthcare included in the HDFC ERGO Optima Super Secure plan?
- Answer: Yes, it offers cashless coverage for home treatment if hospitalization would otherwise be required, in select cities.
6. Can I get a discount on my Optima Super Secure premium?
- Answer: Yes, choosing a deductible can lower premiums by up to 65%, and loyalty or family discounts are also available.
7. Does Optima Super Secure offer AYUSH treatment coverage?
- Answer: Yes, it includes coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments.
8. What is the waiting period for pre-existing diseases in Optima Super Secure?
- Answer: Pre-existing diseases have a waiting period of 36 months before coverage begins.
9. Can I switch to HDFC ERGO Optima Super Secure from another insurer?
- Answer: Yes, the plan offers easy portability from other health insurance policies, retaining your benefits based on underwriting.
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