Request A Call Back icon
CLAIMS SETTLED Rupees 2,913 Crores Claims Settled from Inception till June 2017.
Claim Board
Optima Plus, India’s only top-up health plan with an option of converting into a full-fledged nil deductible health insurance plan when you retire.
With the top-up cover
  • You are covered for higher hospitalization expenditure
  • The premium you pay is nominal
  • You enjoy wide in-patient cover, after deductible
  • You can renew the policy for life
With the option of converting into a full-fledged nil deductible plan
  • You do not have the hassle of buying a new health insurance plan with tiresome waiting periods and restrictions when your group plan ceases to cover you at retirement.
  • Your deductible is waived off and you are covered from the first rupee
  • You enjoy cashless hospitalization and wide in-patient cover
Sum Insured per Insured Person per Policy Year Rs 500, 000
Deductible (Rs. In Lacs) (As mentioned in Policy Schedule) The customer can choose either of the option Rs 100,000; 200,000; 300,000; 400,000; 500,000
In-patient Treatment Covered; Hospitalization for minimum 24 hours required.
Pre-hospitalization Medical expenses incurred in 60 days immediately before hospitalisation.
Post-hospitalization Medical expenses incurred in 90 days immediately after discharge from hospital.
Day Care Procedures Coverage for enlisted 140 day care procedures which do not require 24 hours hospitalization.
Organ Donor Medical expenses for harvesting of the organ donated to the Insured person.
Emergency Ambulance Expenses up to Rs. 2000 per hospitalization.
Domiciliary Treatment Medical expenses incurred by an Insured person for availing medical treatment at his home which would otherwise have required hospitalization.
Request A Call Back
I authorize HDFC ERGO Health Insurance Ltd. (formerly Apollo® Munich Health Insurance) and associate partners to contact me via email or phone or SMS or WhatsApp.