HDFC ERGO General Optima Plus Plan

What is the Plan all About?

HDFC ERGO General Optima Plus is a top-up health insurance plan that covers higher medical expenses at a nominal premium. You can also convert this health plan to a nil deductible plan. This nil deductible option helps you get rid of all sorts of waiting periods.

Key Features

Wide in-patient cover at nominal premiums
Flexible Sum Insured & Deductible
Waiver of Deductible during 58 to 60 years
Cashless hospitalization
Get Tax Benefits

Policy Benefits

In-patient treatment such as room rent, nursing, surgeon fees, anesthesia, medical practitioner’s charges, medicines, etc. are covered.
Pre-hospitalization medical expenses that are incurred prior hospitalization are covered for 60 days.
Post-hospitalization medical expenses that are incurred post hospitalization are covered for 90 days.
140 enlisted day care procedures for which insured needs to get hospitalization for less than 24 hours are covered.
Organ Donor Expenses when incurred for harvesting of the organ are covered.
Domiciliary Hospitalization expenses are covered, when hospitalization exceeds 3 continuous days.

Value Added Benefits

Waiver of Deductible benefit for 5 Lacs health insurance policy. Waiver of waiting periods can also be availed under this benefit.
Ambulance charges are payable under this policy.
Avail cashless service at the network hospital across India.
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.
Expenses incurred towards Emergency Ambulance 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, Arthritis, ENT Disorders, 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	65 Years
Deductible	1 Lac	5 Lacs
Sum Assured	5 Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	-	-