Page 31 - HDFC Bank TPP Flipbook

10. Hospitalisation expenses
Covers medical expenses incurred at the time of hospitalisation that include room rent, ICU expenses,
nursing expenses, surgeon’s fee, road ambulance charges and so on. It also covers all day care treatments
that require hospitalisation for less than 24 hours.
11. AYUSH treatment
Optima Secure covers in-patient hospitalisation expenses even for alternate treatment methods viz.
Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Optima Restore
1. Restore Benefit
Instant addition of 100% Basic Sum Insured on complete or partial utilisation of your existing Policy Sum
Insured and Multiplier Benefit (if applicable) during the policy year. This total amount (Basic Sum Insured,
Multiplier Benefit and Restore Sum Insured) will be available to all insured persons for all claims under
In-patient Benefit during the current Policy Year. However, single claim in a policy year cannot exceed
the sum of Basic Sum Insured and Multiplier Benefit (if any).
2. Multiplier Benefit
50% increase in your Basic Sum Insured for every claim free year, subject to a maximum of 100%. In case
a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the Basic Sum
Insured in the following year. However, this reduction will not reduce the Sum Insured below the basic Sum
Insured of the policy. Health Checkup Optima Restore helps you keep track of your health status with its
preventive health checkup benefit offered at renewal irrespective of claim status. The health checkup benefit
is available once in 2 years on sum insured of Rs 5 lakhs and once every year on sum insured of r 10 lakhs
and above.
3. Stay Active Benefit
We at HDFC ERGO General Insurance Company Limited constantly strive to help you manage your health
and are very excited to introduce a new benefit called Stay Active which would not only encourage you to
create a habit of walking but also reward you based on your steps walked. A discount at each renewal is
given if the insured member achieves the average step count target.
4. Other Features
Lifelong Renewal • No sub-limit on room rent • No claim based loading • Emergency air ambulance cover on
sum insured of 10 lacs & above • No geography based sub-limits • Cashless transaction at 10,000+ Network
Hospitals • Quick Turnaround time and Claim Payments • Easy Upgrade
HDFC ERGO my:health Suraksha
HDFC ERGO offers my:health Suraksha, a comprehensive health insurance plan designed to provide optimum
coverage for treatments including pre and post hospitalisation costs, preventive healthcheck-up, cumulative bonus
and much more.
my:health Suraksha policy will ensure that your hard-earned savings are utilised to make the quality of your life
better without having to worry about hospitalisation expenses.

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