HDFC ERGO Optima Senior

Dedicated Senior Citizens Health Cover • UIN: IRDAI/HLT/HDFCE/P-H/V.1/18/13-14

Specialized health insurance crafted specifically for senior citizens and elderly parents (age 61+), covering age-related conditions, hospitalizations, and day-care treatments.

Key Features & Benefits

• Individual health cover specifically for parents and seniors aged 61 and above
• Pre-existing disease coverage option after specified waiting period
• No mandatory medical check-up up to age 65 (subject to clean declaration)
• Covers 586+ day care treatments and advanced surgical procedures
• Cashless hospital network of 14,000+ hospitals across India

Limitations & Waiting Periods

• Co-payment of 15% or 20% applies to senior claims depending on variant chosen.
• Pre-existing disease waiting period applies.