Am I properly insured? - health

[airbornenita42]

Hello All,

I've recently seen a post in LinkedIn about how Sart health insurance claim is rejected. It got me worried about my insurance with HDFC ergo. I made sure I have NO copay and NO room limit. But can you guys please check if I'm in for any surprises at the time of claim

persons covered:33M,29F,3M

* Plans Optima Secure

All figures

in (`)

Base Sum Insured per Insured Person per Policy

Year (in Lakh) 2500000

1.1. Hospitalization Expenses Covered

1.1.a. Room Rent At Actuals

1.1.1.h. Road Ambulance Covered upto sum insured

1.1.1.i. Dental Treatment Covered upto sum insured

1.1.1.j. Plastic surgery Covered upto sum insured

1.1.1.k. Day Care Treatment Covered upto sum insured

1.2. Home Healthcare Covered upto sum insured

1.3. Domiciliary Hospitalization Covered upto sum insured

1.4. Ayush Treatment Covered upto sum insured

1.5. Pre-Hospitalization 60 days

1.6. Post-Hospitalization 180 days

1.7. Organ Donor Expenses Covered upto sum insured

2.1. Emergency Air Ambulance Covered Up to 500000

2.2. Daily Cash for choosing Shared Accommodation 800 per day max up to 4800

2.3. Protect Benefit Covered upto sum insured

2.4. Plus Benefit Bonus of 50% of the Base Sum Insured, maximum upto 100%.

2.5. Secure Benefit Equal to 100% of Base sum insured

2.6. Automatic Restore Benefit Equal to 100% of Base sum insured

2.7. Aggregate Deductible 0

2.8. E-Opinion for Critical Illness In India

3.

Preventive Health Check-up

Sum Insured 25 Lakhs

Floater Policy* 10000

 

[daishinkan]

@airbornenita42 Optima secure is one of the best policies right now.

 

[badgerstate]

@airbornenita42 following

 

[mcasabona]

@airbornenita42 How is HDFC Ergo as a plan?

 

[mcasabona]

Also, how did you take the policy? Directly from HDFC or startups like Ditto?

 

[airbornenita42]

@mcasabona from HDFC directly