Page 30 - HDFC Bank TPP Flipbook

Health Insurance Plans
You can opt from a range of products offered by HDFC ERGO General Insurance Co. Ltd., ICICI Lombard General
Insurance Company Ltd., Bajaj Allianz Health Insurance Co. Ltd., Aditya Birla Health Insurance Co. Ltd. and Niva
Bupa Health Insurance Co. Ltd. (formerly known as Max Bupa Health Insurance Co. Ltd.)
Optima Secure
The new HDFC ERGO Optima Secure provides 4X coverage, at no additional cost.
1. Secure Benefit
Secure Benefit is a first-of-its-kind benefit of Optima Secure that doubles the insurance cover you buy,
instantly and automatically. This means that you get a 2X coverage from day 1, without having the need to
activate or claim it, at no additional cost.
2. Plus Benefit
Plus Benefit is another first-of-its-kind benefit of Optima Secure. With this benefit, the base cover you
choose for yourself automatically increases by 50% after 1 year and 100% after 2 years, irrespective of any
claims made. With this benefit, you do not have to worry about earning a full no claim bonus or a reduced
bonus in case of a claim.
3. Restore Benefit
With the Restore Benefit of Optima Secure, if any claim, partial or total, is made any time during the year,
then 100% of the base cover gets restored in the policy cover automatically, at no additional cost!
4. Protect Benefit
In case of an unfortunate hospitalisation, Protect Benefit of Optima Secure guarantees payment of
consumables, which include listed non-medical expenses like gloves, masks, nebulizer kits and so on. It’s
built-in and automatically available at no extra charge.
5. 60 and 180 days pre and post hospitalisation covered
Instead of 30 and 90 days availed normally, Optima Secure covers medical expenses for 60 days pre and
180 days post hospitalisation.
6. Home healthcare
This policy covers treatment availed from comfort of homes and as per everyone’s convenience on cashless
basis.
7. Daily cash for shared room
With this, daily cash of INR 800 per day up to a maximum of INR 4800 on hospitalisation is provided as out
of pocket expenses when you choose a shared accommodation in a network hospital, and the hospitalisation
period exceeds 48 hours.
8. Preventive health check-up
You will be provided preventive health check-up benefits post completion of every policy year, irrespective
of claim status.
9. E-opinion
Get e-opinion on 51 critical illnesses through network provider in India.

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