Are pre and post-hospitalisation expenses covered under this plan?

Yes, the plan covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation expenses for up to 60 days.

Does the plan cover daycare procedures?

Yes, the plan provides cover for 140-day care procedures.

Is there any co-payment on daycare procedures under this plan?

Yes. Co-payment of 15% will be applicable to all the daycare procedures.

Is there any limit on cover for an emergency ambulance under this plan?

Yes. The plan provides emergency ambulance cover for up to Rs. 2,000 per hospitalisation.

What is the maximum limit of age for entry to this plan?

There is no maximum age limit for entry to this plan.

Does the plan offer lifetime renewability benefit?

Yes. The plan comes with a lifetime renewability benefit.

Do the policyholders get any discount under this plan?

Yes. You can avail a discount of 5% if you cover yourself and your spouse under it. Additionally, a discount of 7.5% is offered on the total premium if the policy is purchased for 2 years.

What are the sum insured options under this plan?

The plan comes with sum insured options of Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh.

What are the policy term options under this plan?

The plan can be purchased for a term of 1 year or 2 years.

Can I purchase this plan online?

Yes. You can purchase this online from the official website of HDFC Ergo Health Insurance or contact the health insurance broker, InsuranceDekho at toll-free number 7551-196-989.

What is the eligibility criteria for this plan?

To be able to purchase this policy, the applicant should be at least 61 years old. There is no restriction on the maximum age.

HDFC ERGO Optima Senior Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 37 mins
Claim Settlement Ratio	99.80%
Network Hospitals	13,000+
PED Coverage Starting From	3 year
Special Benefits	2X Cover from Day 1
Starting Premium	Rs. 1090/month

Health Insurance Calculator

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Disclaimer : Actual Premium might vary basis your location, age and number of members

HDFC ERGO Optima Senior Brochure

229.34 KB
PDF Document
Nov 09, 2020

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HDFC ERGO Health Insurance Plan List

Family (3)
Individual (4)
Cancer (1)
Critical Illness (2)
Diabetes (1)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Optima SecureMin: 91 Days, Max: 65 YearsPopular		Check Premium
Optima RestoreMin: 91 Days, Max: 65 YearsPopular	3 Lakh	Check Premium
my: health SurakshaMin: 91 Days; Max: No LimitPopular	3 Lakh	Check Premium
Health Suraksha Top-Up Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 10 Lakh	Check Premium
my:Health Women Suraksha PolicyMin: 18 years; Max: 45 years	1 Lakh - 1 Crore	Check Premium
Dengue Care Policy Min: 91 Days; Max: 65 years	50 Thousand - 1 Lakh	Check Premium
Easy Health PolicyMin: 91 days; Max: 65 years	1 Lakh - 50 Lakh	Check Premium
my:Health Koti SurakshaMin: 18 years; Max: 65 years		Check Premium
Maxima PolicyMin: 91 Days; Max: 65 years		Check Premium
Day2Day Care PolicyMin: 91 Days; Max: 65 years		Check Premium
iCan CancerMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium
Health WalletMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
EnergyMin: 18 Years, Max: 65 Years	2 Lakh	Check Premium
Optima SeniorMin: 61 Years; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Critical Illness PlanMin: 5 Years; Max: 65 Years	5 Lakh	Check Premium

HDFC ERGO Health Insurance Top Up List

Top-up (4)
Family (1)
Individual (1)

Name of Plan	Sum Insured
Optima PlusMin: 91 Days; Max: 65 YearsPopular	5 Lakh	Check Premium
my: Health Medisure Super Top-upMin: 3 Months; Max: 65 YearsPopular	3 Lakh	Check Premium
Optima SuperMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium

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FAQs on Optima Senior Health Insurance Plan

Are pre and post-hospitalisation expenses covered under this plan?
Yes, the plan covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation expenses for up to 60 days.
Does the plan cover daycare procedures?
Yes, the plan provides cover for 140-day care procedures.
Is there any co-payment on daycare procedures under this plan?
Yes. Co-payment of 15% will be applicable to all the daycare procedures.
Is there any limit on cover for an emergency ambulance under this plan?
Yes. The plan provides emergency ambulance cover for up to Rs. 2,000 per hospitalisation.
What is the maximum limit of age for entry to this plan?
There is no maximum age limit for entry to this plan.
Does the plan offer lifetime renewability benefit?
Yes. The plan comes with a lifetime renewability benefit.
Do the policyholders get any discount under this plan?
Yes. You can avail a discount of 5% if you cover yourself and your spouse under it. Additionally, a discount of 7.5% is offered on the total premium if the policy is purchased for 2 years.
What are the sum insured options under this plan?
The plan comes with sum insured options of Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh.
What are the policy term options under this plan?
The plan can be purchased for a term of 1 year or 2 years.
Can I purchase this plan online?
Yes. You can purchase this online from the official website of HDFC Ergo Health Insurance or contact the health insurance broker, InsuranceDekho at toll-free number 7551-196-989.
What is the eligibility criteria for this plan?
To be able to purchase this policy, the applicant should be at least 61 years old. There is no restriction on the maximum age.

View More Questions

Claim Process at HDFC ERGO Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.