HDFC ERGO Optima Lite Health Insurance Plan
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Optima Lite Health Insurance Plan

The Optima Lite Health Insurance Plan, offered by HDFC ERGO General In ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

The Optima Lite Health Insurance Plan, offered by HDFC ERGO General Insurance, is designed to provide affordable health insurance, especially for people living in Tier 2 and Tier 3 cities.

This plan offers basic health insurance at lower premiums, including key benefits such as hospitalization, preventive health check-ups, and automatic sum insured restoration.

Why we recommend this plan?

  • Affordable coverage for essential healthcare
  • Unlimited sum insured restore benefit
  • Free annual preventive health check-ups

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Children: 91 days Adults: 18 years
Plan type
Individual
Waiting period
30 days
Renewability
Lifelong
Policy term
1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Affordable premiums
  • Unlimited restore benefit
  • No disease-wise sub-limits

Cons

  • Low sum insured options (₹5L–₹7.5L)
  • Room rent cap (1% SI) causing deductions
  • Not suitable for metro/high-cost treatment needs

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Not covered
  • OPD charges Covered
  • Covid-19 treatment Not covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Compassionate travel Not covered
  • Global coverage Not covered

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 91 days (child) to 18+ (adult)
  • No: maximum age limit
  • Available for individual & family floater (self
  • spouse
  • children
  • parents)

Frequently Asked Questions

The 6 most-asked questions about Optima Lite Health Insurance Plan, answered.

The HDFC ERGO Optima Lite Health Insurance Plan offers two base sum insured options: ₹5 lakh and ₹7.5 lakh.
Adults aged 18 years and above can purchase the policy, while dependent children can be covered from 91 days of age.
Yes, the plan can be purchased as an individual policy or as a family floater policy covering multiple family members under a single sum insured.
Yes, the plan provides an unlimited restore benefit that automatically reinstates 100% of the base sum insured if it is used during the policy year.
Yes, the policy includes preventive health check-ups after the completion of the first policy year.
No, the policy offers lifelong renewability with no maximum age limit for renewal.

Conclusion

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 14 Jul 2026 · Originally published: 11 May 2026

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