Request A Call Back icon
CLAIMS SETTLED Rupees 2,913 Crores Claims Settled from Inception till June 2017.
Claim Board

Optima Super, India's only aggregate top-up health plan that adds to your existing coverage & also offers an option to convert to a full-fledged nil deductible health insurance plan (at the time when you usually retire).

The double benefits of a Top-up and a Full-Fledged Plan -

As a top-up,

  • You are covered for higher hospitalization expenditures that may occur throughout the year
  • The premium you pay is nominal
  • You enjoy wide in-patient cover, after deductible both on an individual or family floater basis.
  • You can renew the policy for life

With the option of converting into a full-fledged nil deductible plan by using the Waiver of Deductible benefit, with no underwriting or medicals.

  • You bid goodbye to tiresome waiting periods (whether it’s the initial 30 days or 2 years for specific diseases or pre-existing conditions.)
  • 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 Policy per Policy Year Rs 500,000; Rs. 700,000; Rs. 1,000, 000
Deductible (Rs. In Lacs) The customer can choose either of the option Rs 100,000; 200,000; 300,000; 400,000; 500,000; 600,000; 700,000; 1,000,000
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 144 day care procedures which do not require 24 hours hospitalization.
Organ Donor Medical expenses for harvesting of the organ donated to the Insured person.
Ambulance Services Expenses up to Rs. 2000 per 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.