Optima Senior Insurance

• Any individual who is 61 years and above can buy this plan.
• Optima Senior is renewable for life long.
• Get insurance cover From 2 Lakh To 5 Lakhs.
• There is no loading on premium during renewals irrespective of expenses incurred during the current year.
• The insured can get second opinion (one opinion per policy year) from the panel of doctors for listed critical illness (subject to pre-authorization).
• HDFC ERGO Health Formerly Apollo Munich has a TPA called Family Health Plan Ltd , which helps in faster claims settlement.
• There are over 4000 networks of hospitals throughout India.
• Policy can be purchased for a tenure of 2 years and get a discount of 7.5% on the premium.
• Eligible for tax benefit under section 80D of income tax.
• Portability – If you currently have a health policy with a different company, you can switch to HDFC ERGO Health Formerly Apollo Munich health insurance within 45 days of expiry of existing policy, and transfer coverage benefits.
• Customer has to pay upfront to get expenses reimbursed for non-network hospitalization.
• Coverage of pre-existing diseases after 3 years of continuous renewal.
• 2 year waiting period for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
• The insured has to bear less co-pay for hospitalization expenses when compared to competitors.

• A person aged 61 years and above can purchase OptimaSenior.
• This plan will cover the insured throughout his/her life.
• OptimaSenior offers sum insured options of 2 lakhs, 3 lakhs and 5 lakhs for a duration of 1 or 2 years.

Step 1: Review the plan benefits, coverage, premium and exclusions.
Step 2: Fill the application form completely with accurate information.
Step 3: You need to submit the application form and a cheque of the premium.
Step 4: Based on your age, health declaration and coverage you have chosen you will be called for a medical check-up. This will include medical examination by a doctor, blood tests to measure your cardiac status, cholesterol levels, blood sugar levels, urine analysis and a thread mill test under medical supervision to assess the status of your heart and kidneys.

Note: On acceptance of the plan we would reimburse 50% of the total cost incurred by you to conduct these tests.

• OptimaSenior can be renewed life long.
• No claim based loading or claim based underwriter.
• E opinion: HDFC ERGO Health Formerly Apollo Munich will arrange and pay for a second opinion on your request, from our medical panel for listed 'Critical Illness' suffered during the policy year.
• The plan can be purchased any time after the age of 61 years.
• OptimaSenior offers high sum insured option of 5 lakhs.
• Cashless Transactions: You can get treated in 4000 network hospitals across 800 cities on a cashless basis.
• No Claim Discount: After every claim-free year, you can avail a discount of 5% on renewal premium provided there is no break in coverage.
• Portability: If you currently have a health policy with a different company, you can switch to HDFC ERGO Health Formerly Apollo Munich health insurance within 45 days of expiry of existing policy, and transfer coverage benefits.