What is the waiting period for pre-existing diseases under Optima Lite?

Pre-existing diseases and conditions are covered after a waiting period of 3 years of continuous coverage. The waiting period applies from the first policy inception date.

What is the Automatic Restore Benefit in Optima Lite?

The plan automatically restores the sum insured unlimited times during a policy year for both same and different illnesses. The restored amount can be used for subsequent claims during the policy year.

Does Optima Lite provide cashless treatment?

Yes. Cashless treatment is available through HDFC ERGO's network of more than 16,000 healthcare providers. Home Healthcare services are also available on a cashless basis.

Are wellness and preventive care benefits included?

Yes. The plan includes annual preventive health check-ups after the first policy year and provides e-opinion services for listed critical illnesses once every policy year.

OneAssure

Health Insurance

HDFC ERGO

Optima Lite

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 13000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95

Claim Settlement Ratio

13000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

Optima Lite offers affordable health insurance with unlimited restore benefits, cumulative bonus growth, and comprehensive hospitalization coverage. It is suitable for buyers looking for value-focused protection at a lower premium.

About

About HDFC ERGO Health Insurance

Optima Lite is a budget-friendly health insurance plan designed to provide essential hospitalization coverage along with features commonly seen in higher-priced plans. The policy covers inpatient hospitalization, daycare procedures, AYUSH treatment, domiciliary treatment, home healthcare, organ donor expenses, ambulance charges, and modern treatments. It includes unlimited automatic restoration of the sum insured, cumulative bonus benefits, preventive health check-ups, and e-opinion services for critical illnesses. Optional benefits such as Plus Benefit, Protect Benefit, and Aggregate Deductible provide additional customization options.

Optima Lite is a budget-friendly health insurance plan designed to provide essential hospitalization coverage along with features commonly seen in higher-priced plans. The policy covers inpatient hospitalization, daycare procedures, AYUSH treatment, domiciliary treatment, home healthcare, organ donor expenses, ambulance charges, and modern treatments. It includes unlimited automatic restoration of the sum insured, cumulative bonus benefits, preventive health check-ups, and e-opinion services for critical illnesses. Optional benefits such as Plus Benefit, Protect Benefit, and Aggregate Deductible...

Optima Lite Ratings

Optima Lite

Insurer Rating

5.85

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: Up to 1% of Base Sum Insured per day
ICU: Up to 2% of Base Sum Insured per day

Advanced Treatments

Robotic Surgeries
Oral Chemotherapy
Deep Brain Stimulation
Balloon Sinuplasty
Bronchial Thermoplasty
Stereotactic Radio Surgeries
Intra Vitreal Injections
Immunotherapy
Vaporisation of Prostate
IONM (Intra Operative Neuro Monitoring)
Stem Cell Therapy

Co-payment

Not mentioned

Cashless Healthcare Providers

16,000+ Cashless Healthcare Providers

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 3 Years
Specific Disease/Procedure Waiting Period: 2 Years

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Up to 1% of Base Sum Insured per day
ICU: Up to 2% of Base Sum Insured per day

Advanced Treatments

Robotic Surgeries
Oral Chemotherapy
Deep Brain Stimulation
Balloon Sinuplasty
Bronchial Thermoplasty
Stereotactic Radio Surgeries
Intra Vitreal Injections
Immunotherapy
Vaporisation of Prostate
IONM (Intra Operative Neuro Monitoring)
Stem Cell Therapy

Co-payment

Not mentioned

Exclusions

Not available

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise,...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...