Due to the collective nature of Indian society, the well-being of family and relatives is often given precedence over individual wellbeing. In order to ensure health and happiness for the family, we ignore individual health. It is pertinent to note that the prosperity of a family depends on the welfare of each member. Being the breadwinner, your health is of utmost importance. HDFC ERGO Optima Secure can be the one-stop solution for your wellbeing. A comprehensive network of hospitals and superfast processing ensures that you get the best treatment within minutes.
Optima Secure from HDFC ERGO is packed with SO MUCH Benefits that give you an incredible 4X Coverage* at no additional cost. HDFC ERGO is strongly backed by the trust of over #1.5 cr customers gained over the period of 18+ years. Get So Much Coverage So Much Choice & So Much Savings.Buy Now Know more
While you plan your finances, don’t miss out on buying a health insurance plan for yourself.Get benefits like fitness discount and sum insured rebound. Our health insurance plans for individuals will take care of medical expenses without impacting the savings.Buy Now Know more
my:health Medisure Super Top-up
Our family health insurance plans are designed keeping in mind the growing medical needs and rising inflation.
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We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.
Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.
Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.
Optima Secure plan covers road ambulance cost upto the sum insured.
Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.
Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.
We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.
We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.
We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break free renewals.
Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
Fill up the pre-auth form at the network hospital for cashless approval
Once hospital intimates us, we send you the status update
Hospitalisation can be done on the basis of pre-auth approval
At the time of discharge, we settle the claim directly with hospital
You need to pay the bills initially and preserve the original invoices
Post hospital discharge send us all your invoices and treatment documents
We verify your claim related invoices and treatment documents
We send the approved claim amount to your bank account.
As per the recent Income tax laws, the health insurance premium paid for a multi-year plan in the lump sum is eligible for a tax deduction under Section 80D. And the tax-deductible amount will be based on the total premium paid for the policy term. This will be subjected to the limits of Rs. 25,000 or Rs. 50,000 as per the case may be.
The premium that you pay on a health insurance policy purchased for your parents can be claimed for tax deduction up to Rs. 50,000. Moreover, the tax deduction limit for expenses incurred on specific illnesses of elderly people is up to Rs. 1 lac.
Expenses incurred on preventive health check-ups are also eligible for tax benefits. However, most of the taxpayers end up paying it on their own. The tax exemption limit is Rs. 5,000.
YIn addition to the hospitalization expenses, tax exemption benefits are also provided on the out-patient department or OPD consultation charges as well as expenses incurred on diagnostic tests. You can avail tax benefits on cash payments also. Unlike other medical expenses that require payments either through debit/credit cards, cheques, or internet banking to avail tax exemption benefits.
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
Every time you look for health insurance plan for your family, you wonder which is the best health insurance plan for family? How to choose the best health plan online? What coverage should it have? To answer all your queries let’s read more to decode the hacks to get the right health insurance plan.
If you are residing in the metro cities then the cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate to cover more than one hospitalisation that may happen in a year.
If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. You end up sharing the medical expenses with your health insurer hence you do not have to pay a heavy premium. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis.
Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals.
Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.
Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health insurance plan online.
Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future.
Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical tests? Alternatively, do I have to fulfil age criteria before signing up for health insurance? These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India.
While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.
If you are above 18 years of age, you can easily buy a health insurance plan for yourself. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. If you are a senior citizen,you can get yourself insured upto the age of 65 years.
You can sit on the couch lazing around and browse through the internet and look for plans. You save your time and effort by visiting an insurance company’s office or an agent visiting your place. You can make secured transactions from anywhere and anytime. Also, the policy wordings are available online for you to read the fine print to avoid any last moment surprises.
You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.
You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.
You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.
Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.
28 Oct 2020
I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.
15 Oct 2020
I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.
12 Oct 2020
I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.
28 Sep 2020
Appreciated services provided by your executives.
20 Oct 2020
Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service
Even if you have an employer health insurance plan for family, you will need a separate health insurance plan. The insurance offered by the employer is valid only till you work in the organisation and generally, group plans provide basic coverage.
Health insurance portability ensures that you do not have to go through a fresh waiting period when you change the insurer. With portability, you can easily change your insurer without losing any benefits.
A pre-existing disease is an injury or illness that you already have while buying the policy. Typically, insurers offer coverage for pre-existing diseases only after the waiting period.
There are many expenses related to hospitalisation. Before you get admitted, you have to consult a doctor and get diagnostic tests done. A similar process is followed after discharge. The expenses preceding and after hospitalisation are known as pre and post-hospitalisation expenses.
Yes, a medical examination is required when you buy family health insurance. However, some policies do not require examination if you are below a certain age limit.
Yes, you can add family members while buying the policy or at the time of renewal.`
You can include your children in family health insurance after 90 days of birth and up to 21 years at the time of renewal.
The younger the applicant, the lower is the premium of health insurance. You also get more benefits when you buy insurance at a young age.
Yes, you can have more than one health insurance policy depending on the needs of your family.
Waiting period is the time span when the policyholder cannot avail some or all the benefits related to a specific illness.
The free look period is the time span within which you can cancel your policy without any penalty. Generally, the free look period ranges from 10 days to 15 days depending on the insurer.
Insurance companies have several hospitals in their network. You can get cashless treatment only in network hospitals. If you opt for a non-network hospital, you will have to clear the hospital bill and then you can claim reimbursement from the insurer.
If the insured person cannot be taken to the hospital due to his/her medical condition or the treatment is taken at home due to non-availability of hospital bed, it is known as domiciliary hospitalisation.
Expenses like pre and post hospitalisation, diagnostic tests, medicine and consultation costs are covered under basic hospitalisation.
The younger you get health insurance, the better. You can get health cover after the age of 18. Below the age of 18, one can get covered under family health insurance.
A minor cannot buy health insurance individually, however, parents can cover a minor under family health insurance.