HDFC Ergo Health Optima Vital

HDFC Ergo Optima Vital Plan is a Critical Illness health insurance plan which is designed to cover 37 Critical Illnesses and the related expenses till Rs 50 Lacs. It helps to supplement the existing health plan in case of any critical illness which involves huge expenses for treatment.

lump sum amount

E-opinion

Free Healthline Service

Compare this plan with other Health Plans

Key Features

lump sum amount

The plan is designed to provide a lump sum amount in case the policyholder is diagnosed with any Critical Illness covered under the scope of the policy or when a surgery is undertaken in respect of the covered Critical Illness

Illnesses covered

There are 37 Illnesses covered under the plan

Lifelong Renewability

Lifelong Renewability in this plan

annual policy

Option of an annual policy term or 2 years term

E-opinion

E-opinion is available where the company’s paneled doctor provides expert advice relating to any Critical Illness

Individual Policy

A maximum of 6 people can be added in an Individual Policy with a maximum of 4 adults (self, spouse and dependent parents) and 5 children

Free Healthline Service

Free Health Risk Assessment which helps to profile every member’s health status and provide recommendations on nutrition and diet and lifestyle

Critical Illnesses

The plan covers 37 Critical Illnesses and the lump sum amount is paid on diagnosis of the Illness with defined severity or at the time of undergoing surgery for the covered Illness. The list of illnesses covered is as follows:

Cancer of specified severity
Kidney Failure requiring regular Dialysis
Multiple Sclerosis with persisting symptoms
End stage Liver Disease with specified severity
First Heart Attack of specified severity
COMA of specified severity
Major burns
Goodpasture’s Syndrome
Apallic Syndrome
Aplastic Anaemia
Systemic Lupus Erythematosis
Bacterial Meningitis
Multiple System Atrophy
Progressive Scleroderma
Open Chest CABG
Major organ or Bone Marrow Transplant
Aorta Graft Surgery
Open Heart Replacement or repair of heart valve
Pneumonectomy
Pulmonary Artery Graft Surgery
Primary Parkinson’s Disease
Alzheimer’s Disease
Motor neuron disease with permanent symptoms
Stroke resulting in permanent symptoms
Permanent Paralysis of limbs
Primary Pulmonary Arterial Hypertension
Benign Brain Tumour resulting in permanent neurological symptoms
Cardiomyopathy
End stage Lung Disease
Brain Surgery
Progressive Supranuclear Palsy
Creutzfeldt-Jakob Disease (CJD)
Major Head Trauma
Encephalitis
Blindness’
Deafness
Total loss of speech

How it works

The plan can be taken for one year or 2 years and premium needs to be paid regularly in case of a single year term or at once in case of a 2 year term and can be renewed lifelong. The plan covers 37 Critical Illnesses and the lump sum Sum Assured is paid on diagnosis of the covered Critical Illness with defined severity or on the date of undergoing surgery for the covered Critical Illness, irrespective of the amount spent on treatment. In fact this plan can be taken over and above a Reimbursement Health Insurance Plan.
The plan is available as an Individual Sum Insured basis only upto coverage of Rs 50 lakhs. There is a unique provision for an e-opinion under which, expert medical advice is provided by the insurer’s doctor relating to any of the mentioned Critical Illnesses.

Tax Benefit

Health Insurance premiums paid up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

Eligibility

	Minimum	Maximum
Coverage Amount (in Rs.)	1 Lac	50 Lacs
Policy Term (in years)	1	2
Entry Age of Principal Insured(in years)	18	65
Entry Age of Child(in years)	18	25
Maturity Age(in years)	Lifelong