HDFC ERGO General Optima Super Plan

What is the Plan all About?

HDFC ERGO General Optima Super is an aggregate top-up plan that covers your medical spends beyond the sum insured of your existing health plan. This health plan helps you enhance the sum insured at a nominal premium. You don’t have to cross the deductible limit to cover expenses, it pays on an aggregate basis during a policy period for multiple hospitalizations. This health plan can be converted to a nil deductible plan at retirement or at 6^th policy anniversary.

Key Features

Cover high medical spends
Single cover for the entire family
Option to choose sum insured & deductible
Grab Premium Discounts
Lifetime renewability
Avail Tax benefits

Policy Benefits

In-patient treatment such as room rent/boarding, blood, oxygen, operation theater charges, drugs, consumables, diagnostic procedures, etc. are covered.
Pre-hospitalization expenses incurred prior before hospitalization are covered for 60 days.
Post-hospitalization expenses incurred post discharge from hospital are covered for 90 days.
144 enlisted day care procedures that requires the insured to get hospitalization for less than 24 hours are also covered.
Organ donor expenses incurred towards harvesting of the organ are covered.

Value Added Benefits

Ambulance services are covered up to the limits mentioned.
Sum Insured Enhancement can be availed at the time of renewal, if no claim has been lodged/paid under the policy.
Healthline service helps you gain access to experts for health related counseling, health information, and diet.
Get Health Risk Assessment tool to assess your health status.
No underwriting/health check-up is required when 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 this plan.
No co-pay is applicable under this plan.
Ambulance charges are payable 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	-