HDFC ERGO Optima Lite Health Insurance
Affordable & Holistic Coverage with Optional Benefits and Smart Features
💚 Key Coverages
Automatic Restore, Cumulative Bonus, Preventive Health, Ambulance
✨ Optional Covers
Pre/Post Hospitalisation, AYUSH, Organ Donor, Plus Benefit
💰 Flexibility
Aggregate Deductible & Premium Discounts
✅ Eligibility
Adults & Children, Lifelong Renewability
🏥 Key Coverages
| Feature | Description |
|---|---|
| Automatic Restore Benefit Inbuilt | Unlimited restorations for same/different illnesses during policy year |
| Cumulative Bonus Inbuilt | 10% bonus of base sum insured per year, up to 100% |
| Preventive Health Check-up Inbuilt | Annual check-up after 1st policy year |
| Hospitalisation Expenses Inbuilt | Room & ICU expenses within defined limits |
| Daily Cash for Shared Room Inbuilt | ₹800/day up to ₹4,800 for hospitalisation over 48 hours |
| Ambulance Charges Inbuilt | Road: actuals, Air: up to ₹5 lakhs |
✨ Optional Benefits
| Feature | Description |
|---|---|
| Pre/Post Hospitalisation Optional | 30 days pre- & 60 days post-hospitalisation coverage |
| Home Healthcare Optional | Cashless home treatment, doctor visits & nursing |
| Organ Donor Expenses Optional | Medical expenses for donor’s in-patient treatment |
| AYUSH Treatments Optional | Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy coverage |
| Plus Benefit Optional | Doubles coverage after 2 policy years up to 100% |
| Aggregate Deductible Optional | ₹10k / ₹25k / ₹50k with premium discounts up to 40% |
| Protect Benefit Optional | Non-medical consumables during hospitalisation |
💡 Why Choose Optima Lite
- Affordable – Premium optimized value plan
- Simple – Straightforward structure & coverage
- Flexible – Wide range of optional covers
🌟 Why Choose HDFC ERGO
- 24x7 multilingual customer service
- 15,000+ healthcare providers across India
- 2 claims processed every minute
- 100% health claim settlement ratio (FY24)
- 1.4 crore+ happy customers (Jan 2025)
Regulatory Info: HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400059.
UIN: Optima Secure – HDFHLIP25041V062425 | UID: 16811
Website: www.hdfcergo.com
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