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The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against increased healthcare costs. The policy offers up to 4x the sum insured at no additional cost.
It provides comprehensive coverage for individuals and families, covering hospitalization costs, pre and post-hospitalization costs, and daycare treatment, among other things. HDFC ERGO Health Insurance also offers flexible premium payment options.
Under the standard policy inclusions, long-term protection, and coverage, the HDFC ERGO Optima Secure Plan is valuable for individuals seeking a reliable and cost-effective health insurance policy.
| PLAN DETAILS |
Hdfc Ergo Optima Secure |
Mos Bite Protector Policy |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 8000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 years to No Maximum Limit | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 6525 | 44 |
| Plan Waiting Period | 30 days | 30 |
| Plan Coverage | Individual/ Family Floater | Dengue fever cover, Malaria cover, Chikungunya cover, Zika virus cover |
| Plan Sample Premium | 6525 | 44 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1/2/3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 95.30 | 95.82 |
| Solvency Ratio | 2.00 | 1.85 |
|
HDFC ERGO Optima Secure Health Plan 2024 IFFCO Tokio Health Insurance |
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