HDFC ERGO Optima Plus Plan Benefits, Feature, Buy & Renew

HDFC ERGO Optima Plus Plan – The HDFC ERGO Optima Plus Plan might be the right choice for you if you’re looking for a health insurance plan with a low cost and the ability to safeguard your finances in the event of a health emergency. In the event of an emergency, this HDFC Ergo plan can cover your rising medical expenses. This policy is popular with customers due to features like in-patient treatment, pre- and post-hospitalization benefits, and day care procedures.

The HDFC ERGO Optima Plus Health Insurance Plan’s key features, eligibility criteria, premium amount, and other important details will be discussed in this section. Read on to learn more!

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HDFC ERGO Optima Plus Plan

The HDFC Ergo Health Optima Plus Top Up Insurance Plan provides coverage for higher hospital costs at a low cost. It is the only plan in India that gives you the option to switch to a full-featured health insurance plan with no deductible when you retire. With a maximum entry age of 65 years, the plan covers children as young as 5 years old. If either parent is covered by this policy, a dependent child can be covered beginning on day 91.

Only individual sum insured is covered by the policy. A single policy can have up to six additional members. There can be no more than four adults and no more than five children covered by a single policy. Alterations in your age or the applicable tax rate may alter the renewal premium. There are options for a one- or two-year policy period. If you select a policy that lasts for two years, you can save 7.5%.)

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HDFC ERGO Optima Plus Plan

HDFC ERGO Optima Plus Plan Details

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About Optima Health Insurance

The Star Health Optima Plan is a super-saver plan that offers affordable coverage for the entire family, including the spouse and dependent children aged 16 to 25. This policy is available for purchase by Indian residents aged 18 to 65. The health plan can be renewed for life after the age of 65. Under this policy, a health checkup is provided for each claim-free year. For each complete exhaustion, the plan automatically restores 100% of the insured sum three times.


In addition, the Star Health Optima provides extensive coverage for a variety of things, including coverage for hundreds of daycare procedures, pre- and post-hospitalization, domiciliary hospitalization, donor expenses for organ transplantation, and coverage for newborn babies beginning on day 16. By spending a little more, policyholders can get the additional amount insured.

Key Features of HDFC Ergo Health Optima Plus Top Up Insurance Plan

If you’re looking for a comprehensive and affordable health insurance plan, the HDFC Ergo Health Optima Plus top up insurance plan is a great option. This plan offers a wide range of benefits, including coverage for hospitalization, surgeries, and maternity care. It also offers excellent coverage for prescription drugs and medical equipment, and includes a host of other essential benefits. So if you’re looking for an insurance plan that provides comprehensive coverage, the HDFC Ergo Health Optima Plus top up insurance plan is a great choice.

  • In-Patient Hospitalization: The medical costs associated with coverage for stays longer than 24 hours with no room rent caps.
  • Pre-Hospitalization: Your illness-related medical bills for the 60 days leading up to your hospitalization.
  • Post-Hospitalization: Your medical bills for the first ninety days following your hospital discharge.
  • Day-Care Procedures: The list of 140 procedures that do not require a 24-hour hospital stay because of advancements in technology are covered.
  • Domiciliary treatment refers to the costs associated with receiving treatment at home rather than in a hospital.
  • Expenses for the organ donor’s treatment at the time of the transplant
  • Emergency Ambulance: Up to Rs. 10,000 in costs if an ambulance is used on the way to the hospital for treatment. 2000).

Star Optima Insurance Plan Details

If you’re looking for an insurance plan that offers great customer service, Star Optima is the perfect option for you. Not only does this plan have top-notch coverage, but its customer service is also some of the best in the business. If you ever have any questions or concerns, don’t hesitate to reach out to them – you won’t be disappointed!

Here are the eligibility details of Star Family Health Optima –

Entry age

Adults – 18 years to 65 years

Dependent children – 16 days to 25 years

Sum insured

INR 1 lakh to INR 25 lakhs

Policy tenure

1 year


20% of every claim if the insured is aged 61 years and above

Pre-existing waiting period

48 months

Pre-acceptance health check-up

Not required till 50 years of age

Eligibility Criteria for HDFC ERGO Optima Plus Plan

Welcome to the Eligibility Criteria for HDFC ERGO Optima Plus Plan! In this post, we will explain the eligibility criteria and the benefits of this plan. We will also provide a link to the online application form. If you have any questions, don’t hesitate to reach out to our customer support team. Thank you for choosing HDFC ERGO Optima Plus!

There are a few requirements you must meet to apply for the HDFC ERGO Optima Plus Plan. The same thing is displayed below. Kindly take a look!

  • This policy from HDFC Ergo is simple to apply for for people between the ages of 91 days and 65. As can be seen, there is a maximum age limit of 65 for entry.
  • If one or both parents are covered by this policy, children aged 91 days to 5 years can also be covered by this plan.
  • The coverage provided by this policy will be determined by the individual sum insured.
  • On a floater basis, this policy can be issued to either an individual or a family. Self, spouse, dependent children, and dependent parents will make up the family.

Additional Features of HDFC Ergo Health Optima Plus Top Up Insurance Plan

If you’re looking for an insurance plan that offers a range of additional features, the HDFC Ergo Health Optima Plus Top Up Insurance Plan may be just what you’re looking for. In addition to covering essential health care costs, this plan offers access to a host of other benefits, such as free preventive care, travel insurance, and even help with rent and living costs. So if you’re looking for an insurance plan that provides a lot of value for your money, the HDFC Ergo Health Optima Plus Top Up Insurance Plan may be the perfect option for you.

  • Conversion to a Full-Fledged Indemnity Health Insurance Plan at Retirement: The option to convert the policy to a full-fledged Indemnity Health Insurance Plan at Retirement is only available at renewal between the ages of 58 and 60, provided that you enrolled in this policy before the age of 50 and have renewed with us continuously and without interruption.
  • Cashless Service: All planned admissions must be pre-approved at least 48 hours in advance, and any “emergency” admission must be regularized within 24 hours of the admission. The guidebook that came with the policy outlines the procedure in detail as well as the documentation requirements.
  • Portability: You can switch to our health insurance when your current plan expires if you are covered by another company. Our customer-friendly portability policy makes appropriate allowances for waiting periods, among other things, and aims to transfer the majority of accumulated benefits.
  • Tax Benefits: Under Section 80D of the Income Tax Act, the Optima Plus Health Insurance Plan currently provides tax benefits for the premium amount. Benefits from the tax code are subject to change.

Exclusions – What is not covered in HDFC Ergo Health Optima Plus Top Up Insurance Plan?

If you’re looking for an insurance policy that covers a wide range of medical conditions, you may want to consider the HDFC Ergo Health Optima Plus Top Up Insurance Plan. This plan is specifically designed for those who are looking to cover a range of exclusions, which means that it’s not covered by the policy. In this article, we’ll list the specific exclusions that this plan does not cover, and give you an overview of what you need to know if you’re interested in signing up for this policy.

  • Except for any accidental injury, all treatments administered within the first 30 days of coverage.
  • After a waiting period of four years, any pre-existing condition will be covered.
  • There is a two-year waiting period for certain diseases like cataracts, hernias, joint replacements, hydrocele surgery, and so on. expenses related to HIV/AIDS and other diseases.
  • Obesity and cosmetic surgery, as well as treatments for weight loss and mental illness, are all examples of congenital conditions.
  • Abuse of intoxicating or hallucinogenic substances, such as alcoholic beverages and drugs.
  • Hospitalization as a result of a nuclear, chemical, or biological weapon, an act of war, or radiation of any kind.
  • Pregnancy, dental care, and external appliances and aids.
  • Personal items that are convenient and comfortable.
  • Drug regimens and experimental, investigational, and unproven treatments.
  • The complete list of exclusions can be found in the Policy Wording.

Read More-SBI General Health Plan

Why Should You Choose HDFC ERGO Optima Plus Plan?

Looking for a comprehensive insurance solution that offers a variety of benefits? Then you should definitely consider HDFC ERGO Optima Plus Plan. This plan offers a wide range of benefits that can help you protect your family, including disability, health, and life insurance. Plus, it has a number of features that make it an ideal choice for businesses and professionals. In this article, we discuss some of the reasons why you should choose this plan. Ready to make an informed decision? Read on!

Why should you choose the HDFC ERGO Optima Plus Health Insurance Plan for these reasons? Well, knowing them will help you make better decisions. As a result, we have listed a few of the main advantages that this HDFC Ergo Health Insurance plan offers. Check it out!

In-patient Treatment

If you are hospitalized as a result of an accident or illness, you can get coverage for your medical expenses through the HDFC ERGO Optima Plus Plan. The costs associated with room rent, boarding, nursing, the Intensive Care Unit (ICU), blood, oxygen, anesthesia, medical practitioner fees, operation theatre charges, surgical appliances, medicines, drugs, and consumables, the cost of a prosthetic or any other device or equipment, etc. will all be covered by the coverage for hospitalization expenses.

Pre-Hospitalization Coverage

Before you go to the hospital, you might have to pay for some of your medical bills. You will be covered for all of your medical expenses for 60 days prior to your hospitalization with this HDFC Ergo policy. However, keep in mind that the amount of coverage you select will be limited to the sum insured.

Post-Hospitalization Benefits

After being discharged from the hospital, a person may need to pay for some medical care, just like they did for their pre-hospital stay. Post-hospitalization expenses are the name of these costs. In addition, your HDFC ERGO Optima Plus Plan will cover your medical bills for the first ninety days after your discharge.

Daycare Procedures

There are some treatments for which patients do not need to spend at least 24 hours in the hospital. Day Care Procedures are the names given to such treatments. All costs associated with 140 daycare procedures that do not necessitate a 24-hour hospital stay will be covered by your HDFC Ergo health insurance plan.

Organ Donor Benefits

The policy will also cover all costs associated with the insured’s participation in an organ harvesting procedure.

Emergency Ambulance Benefits

Your health insurance plan will also pay up to INR 2,000 per hospitalization to transport an insured person to the hospital via ambulance if the insured person requires emergency transportation to the hospital via an ambulance.

Domiciliary Treatment

Some medical procedures can be carried out at home and do not necessitate hospitalization. One of the best things about this policy is that people will also be covered for these treatments, which are called domicile treatments.

Also Read-Star Health Plan Benefits

Will There be a Pre-policy Checkup?

The following question comes to mind frequently: whether they would have to go through a pre-medical screening before they could choose a policy? The HDFC ERGO Optima Plus Plan’s pre-policy examination will be determined by the insured person’s age and the selected sum insured option. There will be no pre-medical screening for people between the ages of 18 and 45. In contrast, prior to selecting a policy, individuals between the ages of 46 and 65 must undergo a variety of medical examinations in one of six categories.

What Will be the Coverage Period for HDFC ERGO Optima Plus Plan?

Hello, everyone! In this post, we will be discussing the HDFC ERGO Optima Plus plan. This is a life insurance product offered by the HDFC Bank which offers a variety of benefits to its customers. We will be discussing the coverage period and whether or not it is renewable. Thank you for reading!

Individuals with the HDFC ERGO Optima Plus Health Insurance Plan can select coverage for either one year or two years, depending on their convenience.

What Will be the Premium Amount for this Policy?

The Sum Insured Option, Deductible, Policy Term, and Age of the Insured Person will all have an impact on the HDFC Ergo policy’s premium amount. For instance, the premium amount will be INR 699 for a person who is between the ages of 91 days and 35 years old and selects the Sum Insured Option of INR 5,00,000 with a Deductible of INR 5,00,000. In contrast, the maximum premium that can be paid is INR 10,106. Additionally, keep in mind that GST is not included in these premium rates.

One of the best features of this policy is that if a person chooses to pay their premiums two years in advance, they can save 7.5% on the total amount. On the other hand, if two or more members of the same family purchase this policy, they will receive a family discount of 10%.

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