Optima Super Secure individual plan policy offers a range of coverage benefits forOptima Super Secure is a comprehensive health insurance plan that provides a range of benefits for policyholders. These benefits include the following –

● Hospitalization expenses

● Road and Air ambulance costs

● Daycare treatments

● Home Healthcare

● Domiciliary Hospitalization

● AYUSH treatments

● Pre and post-hospitalization expenses for 60 days and 180 days respectively

● Organ donor expenses

Furthermore, you get the following unique features too –

● Secure Benefit – that triples the insurance cover you buy, instantly and automatically. This means that you get a 3X coverage from day 1,

● Protect benefit- Zero deduction on listed non medical expenses

● Get e-opinion on 51 critical illnesses through network provider globally.

● Allowance for daily cash if you choose a share accommodation in a network hospital

● Preventive medical check-ups subject to specified limits irrespective of claim status

● Plus 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.

● Restore benefit -100% of the base cover gets restored automatically in the event of complete or partial utilization of the Base Sum insured due to any admissible claim.

Optima Super Secure has the following waiting periods specified under the plan –

● Pre-existing illnesses are covered after a waiting period of 36 months. The waiting period reduces every year on successful renewals. Even if you port an existing policy to Optima Super Secure, you get a credit for the waiting period already lapsed in the last policy. In the case of enhancement of the sum insured, however, the waiting period of 36 months would apply again to the increased amount.

● Specific illnesses and treatments are covered after a waiting period of 24 months.

● Initial waiting period of 30 days is applicable from the start date of the policy coverage. The plan would not cover illnesses that occurred during this period of 30 days. However, you get coverage for accidental injury from the first day of the plan itself.

You can renew your Optima Super Secure in multiple ways. These include the following –

● Online through the website of HDFC ERGO

The fastest and the easiest way to renew HDFC ERGO Optima Super Secure plan is online by visiting the website of the insurance company. The process is quite simple and discussed as follows:

● Click on https://www.hdfcergo.com/renew-hdfc-ergo-policy

● Fill in your policy number, registered email ID, and phone number

● Click on the “Renew” option

● The details of your existing policy would be displayed along with the renewal premium

● Pay the renewal premium online and your policy would be issued instantly

● Offline by visiting the branch office of HDFC ERGO

You can visit the nearest branch office of the insurance company to renew your plan. When you visit the branch of HDFC Ergo, you would have to specify the policy number and make payment of the renewal premium through cheque, or other means available at the office. Once the premium is paid, your policy would be renewed. Please note: - Customer can also pay by PG payment link (received from Inbound or Outbound call center).

● Through an intermediary

You can renew your HDFC ERGO Optima Super Secure Individual plan through an intermediary of HDFC ERGO. You can get in touch with a broker or an agent and apply for renewing your policy. All you have to do is pay the renewal premium to the agent who would deposit it to the insurance company and your plan would be renewed.

Optima Super Secure offers lifelong renewability. The plan can be renewed every year throughout your life without any ceasing date. To enjoy uninterrupted coverage benefits, you should remember to renew your policy within the due date or within the grace period offered under the plan.

You can also opt for enhancement of the sum insured at renewal subject to underwriting guidelines.

Yes, HDFC ERGO offers a portability option. You can port into the Optima Super Secure or port out of it. To port, you would have to request with the insurance company at least 45 days before the policy renewal date. However, the porting request should not be submitted earlier than 60 days from the renewal date.

After you request porting, the insurance company would assess your request, verify it and allow you to switch your coverage to another plan or another insurer.