HDFC ERGO has launched Optima Wellbeing, a new OPD subscription Add on plan, in Pune. This plan offers cashless OPD services and discounts of up to 50% on diagnostics and medicines.
Initially launched in Mumbai in 2023, Optima Wellbeing is now available in Pune, Delhi, Gurugram, Ghaziabad, Bengaluru, Hyderabad, and Jaipur. It is an add-on to the Optima Secure health insurance plan. With Optima Wellbeing, customers can get unlimited tele and in-person consultations, free home sample collections, and significant discounts on medical tests and medicines.
Speaking on this, Parthanil Ghosh, Director and Chief Business Officer, HDFC ERGO General Insurance, said, “As an important stakeholder in building a ‘Healthy India’, we at HDFC ERGO remain committed to enhancing customers’ well-being through innovative offerings and cutting-edge technology.”
Optima Wellbeing offers the following benefits when added to Optima Secure health insurance plan during purchase or renewal:
- Tele-consultations
- In-person doctor consultations
- Online psychology counseling
- Online diet and nutrition consultations
- Fitness sessions
- Discounts on diagnostics, medicines, and free sample collection
Key Features of Optima Wellbeing
Consultations: HDFC provides unlimited tele and in-person consultations at network hospitals in a cashless mode. Note that reimbursement for these expenses is not available.
Discounts: Up to 50% off on diagnostic services, including free sample collection, and up to 20% off on pharmacy items.
No Pre-policy Checkup: No pre-policy checkup is required for this add-on.
Waiting Period: A 30-day waiting period applies to the first policy.
Purchase and Renewal: You can buy this add-on on the HDFC Ergo website, with a 5% premium discount on first purchase and renewal. Existing HDFC Ergo customers get an additional discount of up to 2.5%.
Exclusions
Consultations, investigations, and health check-ups related to maternity, surrogacy, and infertility are excluded from this add-on.
Premium Rates
Optima wellbeing add on cover is available at affordable premium. For Individual Policy you need to pay just Rs. 999 + GST and Floater Policy is available at Rs. 1999 + GST.
Value and Flexibility
This plan offers great value at an affordable premium price with unlimited consultations (tele and in-person) within the HDFC Ergo network. It also includes discounts on home delivery of medicines and diagnostic tests.
HDFC Ergo has a wide network of hospitals in these 8 cities, including several renowned tertiary care hospitals. Here is the city-wise count of hospitals in the HDFC Ergo network.
- Gurgaon: 112 hospitals
- Mumbai: 384 hospitals
- Delhi: 175 hospitals
- Pune: 487 hospitals
- Ghaziabad: 107 hospitals
- Bengaluru: 423 hospitals
- Hyderabad: 201 hospitals
- Jaipur: 201 hospitals
You can find these hospitals listed on the HDFC Ergo website.
A single medical consultation in these metro cities costs anywhere between 800 to 2500. So, paying a one-time premium for this add-on cover is about the same as just one consultation. Moreover, this add-on offers unlimited in-person and teleconsultations.
Considering the wide hospital network and affordable premiums and unlimited OPD benefits, Optima Wellbeing is an excellent option for reducing out-of-pocket OPD expenses for Optima Secure policyholders.
