[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-347268-105":59,"doc-detail-347268-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","my-optima-secure-customer-information-sheet","my: Optima Secure - Customer Information Sheet","","my: Optima Secure customer information sheet outlines covered benefits and key policy terms. It details base coverages such as hospitalization expenses (including room rent, road ambulance, in-patient dental treatment, plastic surgery due to injury, day care procedures), home health care, domiciliary hospitalization, AYUSH treatment, and pre/post hospitalization medical expenses, plus organ donor expenses and a cumulative bonus for specified plans. It also summarizes major exclusions (diagnostic evaluation admissions, rest cure/rehabilitation, obesity/weight control under conditions, and change-of-gender treatments) and waiting period rules.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/my-optima-secure-customer-information-sheet/347268/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/my-optima-secure-customer-information-sheet/347268.png","ImageObject",300,407,{"name":92,"@type":93},"McQueen","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-09-23","2026-09-22",true,{"@type":102,"interactionType":103,"userInteractionCount":14},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What benefits are included under the base coverages of my: Optima Secure?","Question",{"text":112,"@type":113},"The sheet lists hospitalization expenses (including room rent, road ambulance, in-patient care dental treatment, plastic surgery due to injury, and day care procedures), along with home health care, domiciliary hospitalization, AYUSH treatment, pre- and post-hospitalization medical expenses, and organ donor expenses, plus cumulative bonus for the specified plan.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What are the major exclusions mentioned in the policy?",{"text":117,"@type":113},"It states exclusions for investigation and evaluation admissions, rest cure/rehabilitation/respite and custodial care, obesity/weight control surgery unless specified conditions are met, and change-of-gender treatments. It notes this is a partial listing and refers to policy clauses for full details.",{"name":119,"@type":110,"acceptedAnswer":120},"How do waiting periods work for pre-existing diseases and illnesses?",{"text":121,"@type":113},"Pre-existing diseases are covered after a 36-month waiting period. Specific illnesses and treatments have a 24-month waiting period during the first two years, and all illnesses (except accident) have a 30-day waiting period in the first year, with rules not applicable in subsequent renewals as stated.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},347268,1790181737,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":14,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},5909890329169,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","HDFC ERGO General Insurance Company Limited Customer Information Sheet  \nmy: Optima Secure  \nDescription is illustrative and not exhaustive  \n\n| S. No. | Title | Description | Policy clause number |\n| --- | --- | --- | --- |\n| 1 | Product Name | my: Optima Secure |  |\n| 2 | What am I covered for: | Section B: Base Coverages\u003Cbr>Expenses for below Covers up to the Sum Insured and limits as specified under the schedule of coverage, subject to terms and conditions of the Policy.\u003Cbr>1. Hospitalization Expenses\u003Cbr>i. Medical Expenses for min. 24 hours of hospitalization\u003Cbr>ii. Room Rent\u003Cbr>iii. Road Ambulance up to Sum Insured\u003Cbr>iv. In patient Care Dental Treatment, due to disease or injury\u003Cbr>v. Plastic Surgery, due to injury\u003Cbr>vi. Day Care Procedures\u003Cbr>2. Home Health Care\u003Cbr>3. Domiciliary Hospitalization\u003Cbr>4. AYUSH Treatment\u003Cbr>5. Pre-Hospitalization Medical expenses for 60 days before hospitalization\u003Cbr>6. Post Hospitalization Medical expenses incurred in 180 days after the hospitalization\u003Cbr>7. Organ Donor Expenses\u003Cbr>8. Cumulative Bonus [Applicable only to Optima Suraksha plan]\u003Cbr>Section B-2 – Optional Covers \u003Cbr>The Covers listed below are optional covers andwill be covered upto the Sub-limits mentioned in the Policy Schedule. An optional cover is applicable to an Insured Person only if it is specified in the Policy Schedule to be in force\u003Cbr>1. Emergency Air Ambulance\u003Cbr>2. Daily Cash for Shared room\u003Cbr>3. Protect Benefit\u003Cbr>4. Plus Benefit\u003Cbr>5. Secure Benefit\u003Cbr>6. Automatic Restore Benefit\u003Cbr>7. Aggregate Deductible\u003Cbr>8. E-Opinion for Critical Illness\u003Cbr>9. Global Health Cover (Emergency Treatments Only)\u003Cbr>10. Global Health Cover (Emergency & Planned Treatments)\u003Cbr>11. Overseas Travel Secure\u003Cbr>Section B-3 – Preventive Health Check-up | Section B-1 .1\u003Cbr>Section B-1 .1\u003Cbr>Section B-1 .1.1. i\u003Cbr>Section B-1 .1.1. ii\u003Cbr>Section B-1 .1.1. iii\u003Cbr>Section B-1 .1.1. iv\u003Cbr>Section B-1 .2\u003Cbr>Section B-1 .3\u003Cbr>Section B-1 .4\u003Cbr>Section B-1 .5\u003Cbr>Section B-1 .6\u003Cbr>Section B-1 .7\u003Cbr>Section B-1 .8\u003Cbr>Section B-2 .1\u003Cbr>Section B-2 .2\u003Cbr>Section B-2 .3\u003Cbr>Section B-2 .4\u003Cbr>Section B-2 .5\u003Cbr>Section B-2 .6\u003Cbr>Section B-2 .7\u003Cbr>Section B-2 .8\u003Cbr>Section B-2 .9\u003Cbr>Section B-2 .10\u003Cbr>Section B-2 .11\u003Cbr>Section B-3 |\n\nHDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146 . CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. UIN: my: Optima Secure-HDFHLIP23123V022223 .  \n1  \n\n| S. No. | Title | Description | Policy clause number |\n| --- | --- | --- | --- |\n| 3 | What are the major exclusions in the Policy: | We will not pay expenses arising from.\u003Cbr>i. Investigation & Evaluation: Code – Excl04\u003Cbr>a. Expenses related to any admission primarily for diagnostic and evaluation purposes only are excluded.\u003Cbr>b. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.\u003Cbr>ii. Rest Cure, rehabilitation and respite care: Code – Excl05 –\u003Cbr>Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:\u003Cbr>a. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.\u003Cbr>b. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.\u003Cbr>iii. Obesity/Weight control: Code – Excl06 – Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:\u003Cbr>a. Surgery to be conducted is upon the advice of the doctor.\u003Cbr>b. The surgery/procedure conducted should be supported by clinical protocols.\u003Cbr>c. The member has to be 18 years of age or older and, d. Body Mass Index (BMI)\u003Cb","cbCaie63LVtccDZb","https://ap.wps.com/l/cbCaie63LVtccDZb","pdf",221056,34,"English","# What am I covered for\n## Base Coverages (Section B)\n## Optional Covers (Section B-2)\n## Preventive Health Check-up (Section B-3)\n# Major exclusions in the Policy\n# Waiting periods\n# Payment basis","[{\"question\":\"What benefits are included under the base coverages of my: Optima Secure?\",\"answer\":\"The sheet lists hospitalization expenses (including room rent, road ambulance, in-patient care dental treatment, plastic surgery due to injury, and day care procedures), along with home health care, domiciliary hospitalization, AYUSH treatment, pre- and post-hospitalization medical expenses, and organ donor expenses, plus cumulative bonus for the specified plan.\"},{\"question\":\"What are the major exclusions mentioned in the policy?\",\"answer\":\"It states exclusions for investigation and evaluation admissions, rest cure/rehabilitation/respite and custodial care, obesity/weight control surgery unless specified conditions are met, and change-of-gender treatments. It notes this is a partial listing and refers to policy clauses for full details.\"},{\"question\":\"How do waiting periods work for pre-existing diseases and illnesses?\",\"answer\":\"Pre-existing diseases are covered after a 36-month waiting period. Specific illnesses and treatments have a 24-month waiting period during the first two years, and all illnesses (except accident) have a 30-day waiting period in the first year, with rules not applicable in subsequent renewals as stated.\"}]","my: Optima Secure - Customer Information Sheet | PDF",1790066157,86]