HDFC ERGO General Optima Vital Critical Illness Plan

Policy Benefits

• Lumpsum amount is payable for any of the 37 specified critical illnesses, medical events or surgical procedures. Policy benefit is payable on confirmed diagnosis with defined severity of the illness or the date of undergoing specified surgery in respect of that Critical Illnessand the insured surviving the defined survival period.
• You are eligible to receive the benefit amount in addition to any payment received from other insurance policy.
• Plan allows Sum Assured enhancement.

Value Added Benefits

• E-opinion from a medical practitioner is available on request of the insured person diagnosed with a critical illness. This benefit can be availed only once during a policy year.
• Pre-policy medical check-up is not required up to 45 years of age.
• This policy offers you Lifelong Renewal.
• 7.5% discount is offered on opting for a 2 year policy.
• Allows Health insurance Portability.
• An individual and/or his family members namely spouse, dependent children, dependent parents are eligible for buying this policy.
• Healthline Services primary consultation, health-related counseling, individual referrals, health information, nutrition and diet from experts.
• Every HDFC ERGO General Insurance customer will be provided with an access to a health risk assessment tool.
• Avail tax benefits u/s 80D and 10 (10 D) as per IT Act, 1961 for premium paid for this plan.

Sub Limits

• Pre-policy check-up is required for sum insured 6 Lacs & above and age group for 46 years & above. 50% cost of medical check-up incurred is reimbursed on acceptance of the proposal.

Waiting Period Clause

• Initial Waiting Period: A waiting period of 90 days from the inception date for all claims to be admissible, under this policy.
• Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a waiting period of 48 months.
• Survival Period Waiting Period: Lump sum benefit can be availed, in case the insured person survives 30 days after the date of confirmed diagnosis for category-1 & 3 illnesses. It is 90 days survival period and 6 months permanent impairment from the date of confirmed diagnosis for category-2 & category-4 illnesses respectively.