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Health Insurance

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.)

HDFC Ergo 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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*Based on Retail Loan book size (excluding mortgages). Source: Annual Reports FY 20-21 and No.1 on market capitalisation based on BSE data as on 31st Dec, 2021