Optima Super Secure Family - HDFC ERGO General Insurance

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Premium with GST

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3 Years

10% discount

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Key Highlights

5X Health Cover

No Room Rent Capping

Covers Corona related Hospitalisation

Wider Pre & Post Hospitalisation Expenses

Why Us?

13,000+ Cashless Healthcare Networkˇ

₹11000+ Cr claims settled till now ̑

100% Claim Settlement Ratio^

24x7 in-house claim support

Optima Super Secure - Key Benefits

5X Health Cover

With 3 unique benefits, enjoy 5 times increase in sum insured at no additional premium for 3 years policy.

No room rent capping

Go for Single Pvt. AC hospital room category as we have no capping on hospital room rents.

Covers Coronavirus Hospitalisation

We cover cost of hospitalization, pre and post hospitalization and disposable items such as like gloves, masks and food charges.

No sub limits

All diseases/treatments, road ambulance charges, AYUSH benefit or Organ donor expenses covered up to available sum insured.

Wider Pre & Post Hospitalisation

We cover cost incurred 60 days prior to hospitalisation and 180 days after discharge ensuring least out-of-pocket expenses.

Non medical expenses covered

Avail cashless cover for disposable items like gloves, masks, food charges and other consumables during hospitalization.

Benefits Covered

Optima Super Secure ke “Sabse Bade Benefits”

Secure Benefit: Get 3 times of your base/actual sum insured on the policy start date at no extra cost. You get 3X cover as soon as you buy the policy for 3 years.
Automatic Restore Benefit: Restores up to 100% of your base/actual sum insured for upcoming claims, if your sum insured exhausts. In short, you never fall short of health cover with Optima Super Secure.
Plus Benefit: Since your policy with us is for 3 years we will increase your base/actual sum insured by 100% as plus benefit from 3rd year onwards. And, we do not forfeit this benefit if you have made claims in these 3 years. From 3rd year onwards, you get 5 times of your sum insured thanks to Secure Benefit + Plus benefit + Automatic restore benefit.

health cover: this is how you get the “too much” health cover

You choose sum insured: 10 lacs
Secure Benefit: Get additional 20 lacs as soon as you buy the policy, at no additional charge (10+20=30 lacs).
Automatic Restore Benefit: Get emergency back-up of 10 lacs if your sum insured exhaust. (10+20+10=40 lacs)
Plus Benefit: Get additional 10 Lacs for 2 continuous renewals (10+20+10+10=50lacs)
Thumps up: Congratulations! Your total health cover comes to 50 Lacs in 3 years.

Other important benefits

Protect Benefit: Go cashless with in-built coverage for disposable items like gloves, masks, food charges and other consumables during hospitalization.
Daily cash for shared room: Hospitalised in a shared accommodation for more than 48 hours? Get a daily cash of Rs 1000/day upto a maximum of Rs 6000.
Global e–opinion for critical illness: We will pay for the expenses incurred by you towards E-Opinion for defined Critical Illnesses availed from an expert through the network provider.
No geography based co-payment: No matter where you choose to get treated, we do not apply co-payments based on locations.
No claim based loading: It means we will not increase your premium if you make claims or fall sick post buying Optima Super Secure.

Renewal Benefits

Plus Benefit: Since your policy with us is for 3 years we will increase your base/actual sum insured by 100% as plus benefit from 3rd year onwards. And, we do not forfeit this benefit if you have made claims in these 3 years. So 3rd year onwards, you get 5 times of your sum insured, thanks to Secure Benefit + Plus benefit + Automatic restore benefit.
Optima Super Secure is renewable lifelong, once you have secured yourself with Optima Super Secure, you don’t have to ever change your policy or exit from the plan.
To help you keep track of your health status, we provide preventive health check up benefit post completion of every policy year, irrespective of claim status.

What are you not covered for?

What's not covered?

Congenital external diseases, cosmetic surgery or weight control treatments.
2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Pregnancy, dental treatment, external aids and appliances.
Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation or any kind.

Waiting Periods

30 days initial waiting period for hospitalization other than accidental injuries.
24 months waiting period on specific illnesses and surgical procedures.
36 months waiting period on pre-existing diseases.

Why trust HDFC ERGO General Insurance?

13,000+
Cashless Healthcare Networkˇ

1.5 Crore+
Happy Customers@

1 claim
processed every minute^^

100% Claim
Settlement Ratio^

₹11000+ Cr
claims settled till now ̑

24x7 In-house
claim support

	Standard	Exclusive	Premium
In-Patient Treatment
Pre-Hospitalization
Post-Hospitalization
Day Care Procedures
Domicillary Treatment
Organ Donor
Ambulance Cover
Ayush Benefit	upto Rs. 20000	upto Rs. 30000	upto Rs. 50000
Daily Cash for choosing Shared Accomodation
Daily Cash for Accomopaying an insured child
New Born Baby
Recovery Benefit
Emergency Air Ambulance Cover
Maternity Expenses
Outpatient Dental Treatment Waiting Period 3 Years
Spectacles, Contact Lenses, Hearing Aid Every 3rd Years
E-Opinion in respect of a critial illness
Health Check-up
Tax Benefits