Optima Super Secure Health Insurance

Optima Super Secure has the following waiting periods specified under the plan –

● Pre-existing illnesses are covered after a waiting period of 36 months. The waiting period reduces every year on successful renewals. Even if you port an existing policy to Optima Super Secure, you get a credit for the waiting period already lapsed in the last policy. In the case of enhancement of the sum insured, however, the waiting period of 36 months would apply again to the increased amount.

● Specific illnesses and treatments are covered after a waiting period of 24 months.

● Initial waiting period of 30 days is applicable from the start date of the policy coverage. The plan would not cover illnesses that occurred during this period of 30 days. However, you get coverage for accidental injury from the first day of the plan itself.

No, pregnancy is not covered under Optima Super Secure.

You can renew your Optima Super Secure in multiple ways. These include the following –

● Online through the website of HDFC ERGO

The fastest and the easiest way to renew HDFC ERGO Optima Super Secure plan is online by visiting the website of the insurance company. The process is quite simple and discussed as follows:

● Click on https://www.hdfcergo.com/renew-hdfc-ergo-policy

● Fill in your policy number, registered email ID, and phone number

● Click on the “Renew” option

● The details of your existing policy would be displayed along with the renewal premium

● Pay the renewal premium online and your policy would be issued instantly

● Offline by visiting the branch office of HDFC ERGO

You can visit the nearest branch office of the insurance company to renew your plan. When you visit the branch of HDFC Ergo, you would have to specify the policy number and make payment of the renewal premium through cheque, or other means available at the office. Once the premium is paid, your policy would be renewed. Please note: - Customer can also pay by PG payment link (received from Inbound or Outbound call center).

● Through an intermediary

You can renew your HDFC ERGO Optima Super Secure Individual plan through an intermediary of HDFC ERGO. You can get in touch with a broker or an agent and apply for renewing your policy. All you have to do is pay the renewal premium to the agent who would deposit it to the insurance company and your plan would be renewed.

Optima Super Secure offers lifelong renewability. The plan can be renewed every year throughout your life without any ceasing date. To enjoy uninterrupted coverage benefits, you should remember to renew your policy within the due date or within the grace period offered under the plan.

You can also opt for enhancement of the sum insured at renewal subject to underwriting guidelines.

Yes, HDFC ERGO offers a portability option. You can port into the Optima Super Secure or port out of it. To port, you would have to request with the insurance company at least 45 days before the policy renewal date. However, the porting request should not be submitted earlier than 60 days from the renewal date.

After you request porting, the insurance company would assess your request, verify it and allow you to switch your coverage to another plan or another insurer.

HDFC ERGO Optima Super Secure offers two optional add-ons that you can avail of to enhance the coverage. These add-ons are as follows –

● my: Health Critical illness ( add-on)

Get comprehensive coverage for 51 critical illnesses.with sum insured options of INR 100,000 to INR 200,00,000 and in multiples of INR 100,000.

● my :Health Hospital Cash Benefit ( add-on )

Get a daily cash allowance in case of Hospitalization for 24 hours or more up to maximum of 30 days. There are various sum insured options from Rs. 500, to Rs. 10,000. You can choose one or both of these add-ons and avail of a wider scope of coverage.