HDFC ERGO General Insurance Company, has launched suite of health insurance products and services. The company has launched key upgrades to its existing Optima Secure product, which also happens to be one of the most preferred products for the health insurance customers in India.
The Company has also introduced new service upgrades, which will address the key issues faced by the customers during their cashless hospitalisation, and thereby provide a greater convenience for the customers.
The New Products at a Glance:
- Optima Secure: Enhancements
- Global plans : One can now get treatment anywhere on the globe.
- An industry first initiative, providing an option to cover travel expenses of a person supporting the insured at the time of need
- New deductible options : Higher deductibles up to 5 lakhs, to further lower the premium as a part of the base policy. This feature also comes with an option to reinstate the full cover after 5 years of policy period or 50 years of age, whichever happens later.
- Individual Personal Accident Rider : Add-on cover which provides lumpsum pay out in case of Accidental Death, Permanent Total Disablement and Permanent Partial Disablement
- Special discount for NRIs : The Company is also launching for the first time in the country, special discounts up to 40% for Non-Resident Indians (NRIs); this will be available for NRIs from the 3rd week of November
- Optima Wellbeing: An OPD subscription with end-to-end cashless mode
- An industry first initiative to avail unlimited tele& in-person consultations, and free home sample collections
- Discounts up to 40% on Diagnostics and Medicines
- Cashless ecosystem
This product will be launched first in Mumbai, and will soon be extended to the other cities
- My: Health KotiSuraksha
- An enhanced personal accident insurance with higher sum insured up to Rs. 5 crores
- Coverage against Accidental Death, Permanent Total Disablement and Permanent Partial Disablement
- Explorer: A revamped travel insurance
- Coverage: Insures Health Emergencies, Flight Mishaps and various In-Trip crisis
- Tailor made plans: Covers varied target segments from value seekers to premium buyers
- All-in-one: Family coverage in a single policy
First-of-its-kind Services for Cashless Claims in India
- Early discharge from hospitals
- Seamless discharge process for cashless hospitalisation – Customers need not wait for long approval procedures during their discharge, and can be released as soon as the hospital signs the discharge summary for patients undergoing cashless hospitalisation
- This facility is currently available with 25 network hospitals located at 16 cities from across 14 states of India, and will be extended to other cities soon
- Per-approved cashless facilities for all chronic patients
- Approval at one go for chronic patients – The patients undergoing cashless hospitalisation for chronic diseases like chemotherapy, dialysis and radiotherapy can now avail single approval to avail cashless hospitalisation for multiple times for the same ailment at the same health care facility.
