Hdfc Ergo Optima Secure Health insurance

[rogerthat]

HDFC doesn't says this in policy wordings, and if it is a hidden clause it is very wrong.

And yes, once you opt in for deductible, you can not opt out before 5 years.

Yes I have confirmed from them. However this is applicable only if the pre-deductible payment (through a corporate plan for instance) is more than the deductible amount.

For instance if the hospital bill is 5 lakh and, corporate coverage is 3 lakh and HDFC policy deductible 1 lakh, corporate will pay the first 3 lakh and HDFC will then pay the remaining 2 lakh on a reimbursement basis.

 

[Dragon_slayer]

Yes I have confirmed from them. However this is applicable only if the pre-deductible payment (through a corporate plan for instance) is more than the deductible amount.

For instance if the hospital bill is 5 lakh and, corporate coverage is 3 lakh and HDFC policy deductible 1 lakh, corporate will pay the first 3 lakh and HDFC will then pay the remaining 2 lakh on a reimbursement basis.

I think its unnecessary complication just to save few thousands.

It all seems good right now, but when someone will be ill then their family wont have energy to fight HDFC to explain all this and they will need to pay from their own pockets and then chase HDFC for months for reimbursement.

 

[Zacobite]

Yes I have confirmed from them. However this is applicable only if the pre-deductible payment (through a corporate plan for instance) is more than the deductible amount.

For instance if the hospital bill is 5 lakh and, corporate coverage is 3 lakh and HDFC policy deductible 1 lakh, corporate will pay the first 3 lakh and HDFC will then pay the remaining 2 lakh on a reimbursement basis.

deductible is as per policy.. in ur above example you can claim 4 L from hdfc if ur deductible is 1 L.. and corporate can remain unused!!

 

[bigbyte]

deductible is as per policy.. in ur above example you can claim 4 L from hdfc if ur deductible is 1 L.. and corporate can remain unused!!

But can this 4lac be claimed on cashless basis?

 

[Zacobite]

But can this 4lac be claimed on cashless basis?

Yes.. by deduction of 1L from claim.. but not all cos allow.. ergo u have to chk

 

[rogerthat]

deductible is as per policy.. in ur above example you can claim 4 L from hdfc if ur deductible is 1 L.. and corporate can remain unused!!

Yeah but there's no benefit in leaving corporate unused... And the coverage is free. While leaving ERGO unused gives you NCB

 

[Zacobite]

Yeah but there's no benefit in leaving corporate unused... And the coverage is free. While leaving ERGO unused gives you NCB

i was just explaining the calcs.. didn't recommend anything

 

[Cc_creditguy]

Any insurance give coverage for eye surgery??

 

[sauravkumar]

Any insurance give coverage for eye surgery??

Yup bro... Most of the insurance gives this.
It is Covered in Day Care treatment!!

This insurance also has this feature.

 

[Dragon_slayer]

Only Skin treatments like treating Acne marks etc is not covered on any insurance, as they count it as cosmetic. I find it weird though, it should be covered

 

[Cc_creditguy]

Yup bro... Most of the insurance gives this.
It is Covered in Day Care treatment!!

This insurance also has this feature.

Okk bro tks coz planning for laser treatment and pre requisite for this one ??

 

[sauravkumar]

Okk bro tks coz planning for laser treatment and pre requisite for this one ??

You should check the T&C and waiting period.
I think there will be waiting period of 1/2 year depending upon the policy company.

Just check the brochure of health policy!!

Right now you can compare this one with ICICI ELEVATE!!

 

[Zacobite]

Okk bro tks coz planning for laser treatment and pre requisite for this one ??

not covered for sure

 

[Cc_creditguy]

You should check the T&C and waiting period.
I think there will be waiting period of 1/2 year depending upon the policy company.

Just check the brochure of health policy!!

Right now you can compare this one with ICICI ELEVATE!!

Okk sure let me check

 

[Cc_creditguy]

not covered for sure

Ok let me check

 

[Zacobite]

Ok let me check

Read this somewhere.. double check on policy wording doc