Thursday, May 2, 2024

HDFC ERGO Launches Optima Wellbeing, A Unique OPD Subscription, In Delhi-NCR

* An OPD subscription plan offering end-to-end cashless outpatient medical services and up to 50% discount on diagnostics and medicines

HDFC ERGO General Insurance Company, India’s leading private sector general insurance company has launched Optima Wellbeing in Delhi, Gurugram, and Ghaziabad. This unique outpatient department (OPD) subscription plan, initially launched in Mumbai, is now extended to Delhi, Gurugram, and Ghaziabad along with Pune, Bengaluru, Hyderabad, and Jaipur.   Optima Wellbeing is an add-on insurance solution to the Company’s flagship product Optima Secure health insurance plan, which is one of the highest-rated health indemnity insurance products in the country.

In India, out-of-pocket medical expenses contribute to over 45% of the total health expenditure. Under HDFC ERGO’s Optima Wellbeing, customers can avail the cashless facility and enjoy unlimited tele & in-person consultations, and free home sample collections along with up to 50% off on diagnostics 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. Launched in Mumbai in 2023, we are now extending our Optima Wellbeing to 7 more cities with a belief that our OPD subscription plan with end-to-end cashless mode will make health insurance Accessible, Affordable and Convenient, thus, deepening the ‘trust’ of people towards health insurance”

Founded in the year 2002, HDFC ERGO has been consistently bringing in innovative tech-enabled health insurance products and solutions to provide convenience and ease to its customers. The company launched a path-breaking suite of 6 health insurance products and 2 service upgrades, allowing customers access to global healthcare facilities and wider coverages against uncertainties. Besides, the company also upgraded its Optima Secure health insurance plan, which is India’s one of the most popular retail health indemnity products, with features like NRI discounts, an OPD Plan with unlimited tele and physical consultations with free sample collection, and a global treatment plan for worldwide hospitalisation.

The company also unveiled insurance-led eco-system ‘here’, a unique one-stop platform, to address customers’ anxiety on health care motor, and provide them with credible information.  Under the health corner, the platform helps the users with personalised health and wellness programmes such as diabetes management techniques, patient-to-patient connect feature where individuals can connect with other volunteers who have undergone similar medical procedures, etc.

HDFC ERGO is among the pioneers in India to introduce interest-free instalment-based health insurance through its Optima Secure product, thus alleviating the financial burden on policyholders. The company’s extensive network of over 12,000 cashless healthcare providers assures hassle-cashless treatment to its policyholders. With a remarkable claim settlement ratio of 99% for accident and health claims in FY 23, the company underscores its commitment to democratise insurance and delivering efficient and hyper-personalised customer-centric services.

For more details on HDFC ERGO’s health insurance products, please visit:


HDFC ERGO General Insurance Company Limited was promoted by erstwhile Housing Development Finance Corporation Ltd. (HDFC), India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. Consequent to the implementation of the Scheme of Amalgamation of HDFC with and into HDFC Bank Limited (Bank), one of India’s leading private sector bank, the Company has become a subsidiary of the Bank. HDFC ERO is one of India’s leading non-life insurance company in the private sector. A digital-first company, transforming into an AI-first company, HDFC ERGO is a leader in implementing technology to offer customers the best-in-class service experience.

The company has created a stream of innovative & new products as well as services using technologies like Artificial Intelligence (AI), Machine Learning (ML), Natural Processing Language (NLP), and Robotics. HDFC ERGO offers a range of general insurance products and has a completely digital sales process with ~94% of retail policies issued digitally. HDFC ERGO’s technology platform has empowered the customers to avail 75% of the services digitally on a 24x7 basis with ~17% of the customer requests serviced by Artificial Intelligence-based tools. The Company has one of the best claims payout ratios in the General Insurance industry

The Company offers a complete range of General Insurance products including Health, Motor, Home, Agriculture, Travel, Credit, Cyber and Personal Accident in the retail space along with Property, Marine, Engineering, Marine Cargo, Group Health and Liability Insurance in the corporate space. Be it unique insurance products, integrated customer service models, top-in-class claim processes or a host of technologically innovative solutions, HDFC ERGO has been able to delight its customers at every touch-point and milestone to ensure consumers are serviced in real-time.

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