HDFC Ergo Optima Vital

Product Features HDFC Ergo Optima Vital
Sum Insured (in Lakhs) INR
1 Lac 2 lac 3 Lac 4 Lac 5 Lac 10 Lac 15 Lac 20 Lac 25 Lac 30 Lac 35 Lac 40 Lac 45 Lac 50 Lac

The maximum sum insured available above 55 years of age is restricted upto Rs. 20,00,000.

Policy Type Individual &  Family on Individual Basis
Entry age age group of 18 years onwards. A dependent child can be covered from 18 years to 25 years provided both parents are covered in a critical Illness policy of an Indian Insurer. The maximum age at entry is 65 years
Policy Term 1 or 2 years
Relationship members covered under one policy An individual and/or his family members namely spouse, dependent children, dependent
parents are eligible for buying this policy.

A maximum of 6 members can be added in a single policy. In an individual policy, a maximum
of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can
be a combination of self, spouse and parents.

Critical Illnesses covered 37 identified critical
illness, medical events or surgical procedures.
1.  Cancer of specified severity.
2.  Kidney failure requiring regular dialysis.
3.  Multiple sclerosis with persisting symptoms.
4.  End Stage Liver Failure
5.  Myocardial Infraction (First heart attack of specific severity).
6.  COMA of specified severity.
7.  Third Degree Burns.
8.  Goodpasture’s syndrome.
9.  Apallic syndrome.
10.  Aplastic anaemia.
11.  Systemic lupus erythematosis.
12.  Bacterial meningitis.
13.  Multiple system atrophy.
14.  Progressive scleroderma.
15.  Open chest CABG.
16.  Major organ/bone marrow transplant.
17.  Aorta graft surgery.
18.  Open heart replacement or repair of heart valve.
19.  Pneumonectomy.
20.  Pulmonary artery graft surgery.
(Insured Person must survive 90 days from the date of confirmed diagnosis of below defined
21.  Primary Parkinson’s disease.
22.  Alzheimer’s disease.
23.  Motor neuron disease with permanent symptoms.
24.  Stroke resulting in permanent symptoms.
25.  Permanent paralysis of limbs.
26.  Primary (idiopathic) pulmonary hypertension.
27.  Benign brain tumor.
28.  Cardiomyopathy.
29.  End stage lung Failure.
30.  Brain surgery.
31.  Progressive supranuclear palsy.
32.  Creutzfeldt-jakob disease. (CJD)
33.  Major head trauma.
34.  Encephalitis.
(Insured person must exhibit permanent impairment for 6 months from the occurrence of
the event)
35.  Blindness.
36.  Deafness.
37.  loss of speech.
Long term policy discount 7.5% discount in case the Insured Person is paying 2 years premium in advance as single premium.
Pre-policy check up sum insured Rs. 6 Lacs and above and/or age group 46 years and above.
Other benefits An e-opinion is also provided, in case required, from Our panel doctor in respect of a
critical illness.