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 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

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Customer Rating

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

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...

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

Waiting Period

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

Cashless Healthcare Providers

16,000+ Cashless Healthcare Providers

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

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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, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

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,...