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HDFC Ergo Optima Secure 2 Years Waiting list of Treatments

Mandatory 24 months waiting period applicable to following illnesses and surgical prcedures from inception of your Health Insurance

These waiting periods are applicable irrespective of whether you have any pre-existing medical condition or not 

This 24 months waiting will not be applicable if claims arising due to an Accident.

If sum insured has been increased, the exclusion shall apply afresh to the extent of increased Sum Insured

Longer waiting period will be applicable if any pre-existing waiting periods are defined in your health insurance policy


Internal Congenital diseases 

Non infective Arthritis

Pilonidal sinus

Diseases of gall bladder including cholecystitis

calculus diseases of Urogenital system e.g. Kidneystone, Urinary Bladder Stone 

Benign tumors, cysts, nodules, polyps including breast lumps


Ulcer and erosion of stomach and duodenum

Polycystic ovarian diseases

All forms of Cirrhosis

Gastro Esophageal Reflux Disorder (GERD)

Sinusitis, Rhinitis

Perineal Abscesses

Skin tumors

Cataract and other disorders of lens and Retina

Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism


Osteoarthritis and osteoporosis

Fibroids ( fibromyoma)

Benign Hyperplasia of Prostate

Surgical procedures

Adenoidectomy, tonsillectomy

Tympanoplasty, Mastoidectomy


Dilatation and curettage (D&C)

Nasal concha resection

Surgery for prolapsed inter vertebral disc

Myomectomy for fibroids

Surgery of Genito urinary system unless necessitated by Malignancy

Surgery for varicose veins and varicose ulcers

Surgery on prostate


Surgery for Perianal Abscesses


Joint replacement surgeries

Surgery for Nasal septum deviation Ligament, Tendon and Meniscal tear HysterectomyFissurectomy, Haemorrhoidectomy, Fistulectomy, ENT surgeries Endometriosis Prolapsed UterusRectal Prolapse VaricoceleRetinal detachmentGlaucoma Nasal polypectomy

This list has been updated as on 30-01-2023. Please check latest exclusions on hdfc ergo website

Do you want to know whether Optima Secure is the right health insurance for you ? Please contact us

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