Optima Secure+
Underwritten by HDFC ERGO — Compared by Finclinic
Policy Tenure
1/2/3/4/5 Years
Base Sum Insured (Lakhs)
10/15/20/25/50/100/200
Family Floater
4 adult + 6 children
Room Rent
Any Room
Pre & Post Hospitalisation
60/180 Days
Detailed Policy Specifications & Benefits
Hospitalization & Room Rent
Room Rent Limit:Any Room
Pre & Post Hospitalisation:60/180 Days
In-Patient AYUSH Treatment:upto SA
Donor Expenses:upto SA
Domestic Ambulance:Road: Up to Sum Insured, Air: Up to INR 5,00,000
Consumables:Covered up to Sum Insured
Restoration & Bonus Benefits
Double Sum Insured:Double Sum Insured from Day1
Loyalty Bonus:Irrespectve of claim 100% base SI will be added every year
Automatic Restoration:100% basic Sum Insured unlimited
Lock the Clock:NA
Policy Tenure:1/2/3/4/5 Years
Waiting Periods, Waivers & Perks
Waiting Period (Initial/PED):Initial waiting period -30 days Specific illness - 2 Years, PED - 3 Years.
Additional Waiting Period:NA
Diabetic/BP/Cholesterol Waiver:Starts from 31st day (Addon)
Health Checkup:.5% of SA
Maternity Cover:Covered as addon
Co-payment:NA (No Co-Pay)