IRDAI UIN: HDFHLIP23024V032223
✓ Standard CIS Audited
family floater
HDFC ERGO Optima Secure
Statutory Customer Information Sheet (CIS) analysis under IRDAI (Protection of Policyholders' Interests) Regulations, 2024.
Entry Age 18 to 65 Years
Sum Insured Range ₹5L to ₹200L
Mandatory Co-Pay 0% Base
TPA Desk Model in house_desk
1. Room Rent & ICU Limits (The Haircut Risk)
✓ Zero Haircut Guarantee Room Category Allowed:
no sublimit
ICU / ICCU Allowance:
no sublimit
2. Waiting Periods & The 5-Year Moratorium Lock
Initial Waiting Period:
30 Days
Accidental hospitalization covered from Day 1.
Pre-Existing Diseases (PED):
36 Months
Rider available to reduce to 12 months.
Section 45 Moratorium:
5-Year Safety Lock
Claims cannot be rejected on non-disclosure after 5 years.
3. Procedure Sub-limits & Modern Treatments
Cataract Cap (Per Eye):
No Sub-limit
Joint Replacement Cap:
No Sub-limit
Robotic Surgery Limit:
No Sub-limit
AYUSH Alternative Care:
No Sub-limit