Useful Information

HDFC Health

TPA Information

Optima Senior


Optima Senior plan is a Health insurance plan which offers comprehensive health coverage exclusively to senior citizens


  • 144 Day care treatments are covered
  • Get 7.5% discount by opting for two years policy
  • No loading on renewal premium in case of a claim
  • Second opinion from Medical Practitioner is available
  • Domiciliary treatment expenses are also covered
  • Life long policy renewal is available for Senior Citizens
  • Tax rebate available as per provision of Income Tax Rules under section 80-D


Room Rent Limit
No Limit
ICU Daily Rent Limit
No Limit
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 Days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
140 procedures covered
Pre-Existing Disease / Illness coverage
After36 months, 24 months for specific diseases
Waiting Period for New Policy
30 days
Max 30% depending on accommodation & illness
Free Health Checkup
Up to 50% of the total cost
Ambulance Expenses
Up to 2000 per hospitalisation
Donor Expenses
No Claim Discount
Up to 5% non-cumulative discount