HDFC ERGO General Optima Super Family Plan

What is the Plan all About?

HDFC ERGO General Optima Super is an aggregate top-up health plan that offers you the flexibility to choose from the varied sum insured & deductible options. This health plan helps you get the optimum coverage depending on your healthcare needs. At your retirement (or at 6^th policy anniversary), you have the option to convert it to a regular plan with no deductible. This health plan is best suited for low sum insured policies and to individuals with group cover.

Key Features

High health cover at a nominal premium
Get huge discounts upon buying the policy
Flexible sum insured & deductible
Waiver of Deductible option
Lifelong Renewability
Get Tax Benefits

Policy Benefits

In-patient treatment such as room rent, boarding, nursing, medical practitioner’s charges, surgical appliances, diagnostic procedures, etc. are covered.
Pre-hospitalization expenses when incurred before hospitalization are covered up to 60 days.
Post-hospitalization expenses when incurred after hospitalization are covered up to 90 days.
144 listed day care procedures for which insured gets hospitalized for less than 24 hours are covered.
Organ donor expenses incurred for harvesting the organ are covered.

Value Added Benefits

Ambulance services are payable as mentioned in the policy benefits.
Option to enhance the Sum Insured can be availed at the policy renewal, provided no claim has been lodged/paid.
Healthline service helps you get access to experts to get consultation for any health related query.
Health Risk Assessment tool to analyze your health status.
No underwriting/health check-up is required for opting Waiver of Deductible benefit.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No room rent limit is applicable under the plan.
No co-pay is applicable for this plan.
Ambulance charges are covered up to Rs 2000 per hospitalization.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Cataract, Ulcer, Sinusitis, Tonsillitis, etc are covered after 24 months of policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 48 months.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 21 Years
Deductible	1 Lac	10 Lacs
Sum Assured	5 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-