HDFC ERGO General Insurance 
Claim Settlement Ratio 98.36%
Renewability 100%
Claim Settlement Facility 100%
COVID-19 Cover Yes
Network Hospitals 10,000
Incurred Claim Ratio 79.30%
The plan offers protection against 15 named critical illnesses mentioned in the policy. In case of diagnosis with any of the mentioned critical illnesses the insured would get a lump sum amount. The plan can be purchased for 2 or 3 years. No pre-policy medical checkup is required up to the age of 45 years. The policy can be renewed lifelong.
The plan provides a sum insured of up to ₹1 crore at nominal premium. The policy includes wider pre and post hospitalization expenses, unlimited day care procedures, no room rent capping etc. The policy offers a daily discount of 10% if 2 or more members are included in the same policy. The policy also offers a fitness discount of 10% for the constant efforts of the insured customers to stay fit and healthy.
The policy provides 100% of the basic sum insured as restoration benefit immediately after the first claim. The optima Restore plan provides restoration on partial or complete utilization of the health cover. The plan provides a 50% increase in basic sum insured for every claim free year subject to a maximum of 100%. Preventive health checkups up to ₹10,000 can be availed at the time of renewals. It also provides a daily cash benefit of up to ₹1000 per day and a maximum of ₹6000 per hospitalization on choosing shared accommodation in a network hospital.
The plan provides 5X cover at no additional cost. The policy gives 3X benefit from day 1 of purchase of policy and offers 5X coverage within 2 years of policy purchase. On 1st renewal the base cover increases by 50% after 1 year and 100% after 2 years. The policy also covers the cost of disposables such as buds, gloves, nebulization kits and other consumables during the hospitalization. The minimum and maximum sum insured under the plan is ₹10 lakhs and ₹2 Crores. The policy can be purchased on an individual as well as family floater basis. This policy is available only for a tenure of 3 years.
Optima secure is a health insurance plan that gives 2X coverage immediately after purchasing the policy and 4X coverage within 2 years of purchase at no extra cost. The policy also offers a resort benefit which restores the base sum insured by 100% for any subsequent claims in the same year. The minimum and maximum sum insured under the plan is ₹5 lakhs and ₹2 Crores. The policy can be purchased on an individual as well as family floater basis.
