Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
Network hospitals
12000+
Incurred claim ratio
79.04%
Sum insured
Up to 2 CR
No. of Plans
11
Solvency Ratio
1.7
Pan India Presence
200+
Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclusive HDFC ERGO Optima Secure Global Insurance Plan.
HDFC ERGO Optima Secure Global plan is known for its vital and extended coverage within or outside India, it covers you without any boundaries. It’s a subordinate of the HDFC ERGO Optima Secure health plan that comes with two variants- Optima Secure Global and Optima Secure Global Plus. We’ll be discussing the first variant of this plan type, ie, HDFC ERGO Optima Secure Global Health insurance for both a family floater and an individual basis.
The plan offers an ample sum insured of INR 1 Crore to 2 Crores that provides coverage for hospitalisation expenses, pre and post-hospitalisation, organ donor expenses, AYUSH treatment, emergency ambulance, air ambulance, e-opinion for listed 51 critical illnesses, and much more. This is just the beginning of the plan benefits! It offers you all the mentioned coverage benefits and medical expenses that are incurred within India or outside India without additional or separate charges. Given that, the treatment cost incurred shall not exceed the base sum insured of your policy (unless it’s the Plus variant) related to your treatment in India and overseas.
Also, there is an availability of aggregate deductible if the treatment takes place in India, but not overseas/at a global level.
Being a policyholder, you are entitled to buy different add-on covers based on your requirements that will allow you to further complement far-reaching coverage benefits. The available add-on covers under this plan are as follows:
Get exclusive coverage for listed 51 critical illnesses with a sum insured of INR 10 Lakhs to up to INR 2 Crores (in multiples of INR 1 Lakh).
Get an additional sum insured benefit of INR 500 to up to INR 10,000 that will cover your budget hospital expenses.
The plan provides you with the benefit of a lump sum payout in case of accidental death, permanent partial disability, and permanent total disability. The amount of payout can go up to a sum insured value multiplied by 5 times up to a maximum of INR 1 crore.
The plan offers unlimited restoration benefits during the active policy year (supposedly, the base sum insured cover increases by 50% on every renewal).
Apart from this, there is an extra add-on cover named Overseas Travel Secure that is available as an optional cover with this Global plan. This optional cover ensures the insured individual’s travel expenses, along with the accommodation expenses of an accompanying person (if any), in case the policyholder has to travel overseas for treatment. If the policyholder chooses an aggregate deductible option, there will be the benefit of a discount ranging from INR 25,000 to INR 5 Lakhs (available in India only).
Last but not the least. Here’s something wonderful that will create a jaw-dropping expression on your face!
The HDFC ERGO Optima Secure Global Health Insurance plan comes with a 4-level sum insured restoration benefit that goes like this:
Health Cover SI
Suppose you select a sum insured of INR 1 Crore, the base SI will cover your medical expenses as it’s issued to you.
Secure Benefit
As soon as you have access to the policy, it’ll be doubled to INR 2 Crores for extending the coverage benefits of your policy, without paying any extra cost. But, this benefit is only available in India not overseas.
Plus Benefit
The value of the sum insured is increased by 100% which specifies as; on the first renewal of the policy after completing 1 policy year, the SI increases by 50%, and on the second renewal of the policy after 2 policy years, the SI increases by 100%.
Restoration Benefit
On raising a claim during any policy year over the base sum insured of INR 1 crore, the SI will be restored automatically for making any subsequent claim during the same tenure.
Note:- The policyholder needs to pay INR 10,000 as a deductible for every claim made outside India, i.e. a claim raised against overseas treatment, except e-opinion for critical illnesses.
The below-mentioned specifications such as sum insured, age limit, policy tenure, etc are the eligibility criteria for buying this policy:-
Entry Age
For Child: 91 Days - 25 Years
Adult Entry Age
For Adults: 18 - 65 Years
Sum Insured
INR 1 Crore - 2 Crores
Plan Type
Individual/Family
Policy Term
1 - 3 Year/s
Initial Waiting Period
30 Days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read here the notable benefits under the HDFC ERGO Optima Secure Global Health Insurance for family or an individual:
In a situation of hospitalisation, there will be no deductions on non-medical expenses (adding up to 10 - 20% of the incurred medical bills) that are listed in the policy schedule such as gloves, masks, and much more without adding any extra charges.
There are options to choose your deductible amount to avail of a discount of up to 56% on the premiums. The value of aggregate deductible discounts is as follows:-
Deductible Amount (in INR) | Discount (%) |
---|---|
25,000 | 14% |
50,000 | 27% |
1,00,000 | 36% |
2,00,000 | 41% |
3,00,000 | 50% |
5,00,000 | 56% |
*If the policyholder has opted for a deductible of INR 5 Lakhs, then only they will get the preventive health check-up coverage. The aggregate deductible option is valid only within India. This can be waived off after completing 5 years of the policy period.
The policyholder gets additional benefits of savings in the form of discounts, the specifications of which are listed below:
You can avail of a tax exemption benefit under the HDFC ERGO’s Optima Secure Global health plan under Section 80D of the Income Tax Act, 1961.
Here are the specifications under HDFC ERGO Optima Secure Global Health Insurance, choose your plan wisely:
In-patient & Out-patient Coverage
Room Rent
Applicable
ICU Charges
Applicable
Pre-Hospitalization
Applicable
Post-Hospitalization
Applicable
Domiciliary Hospitalization
Applicable
Daycare Treatment
Applicable
OPD Charges
NA
Coverage Terms
COVID-19 Treatment
Covered
Cataract
NA
No Claim Bonus
NA
Automatic Restoration
Applicable
Daily Hospital Cash
Applicable
Organ Donor
Applicable
Maternity Cover
NA
New Born Baby Cover
NA
Alternative Treatments
AYUSH Treatment
Applicable
IVF Treatment
NA
Modern Treatment
NA
Emergency Coverage
Ambulance
Applicable
Air Ambulance
Applicable
Compassionate Travel
Applicable
Global Coverage
Applicable
Wellness Programmes
E-Consultation
Applicable
Health Check-Up
Applicable
Second Medical Opinion
NA
Vaccination
NA
Limitations
Co-payment
NA
Sub-limits
NA
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, the room rent is covered up to SI.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, ICU charges are covered up to SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan covers medical expenses incurred during pre-hospitalisation for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan covers medical expenses incurred during post-hospitalisation up to 180 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, domiciliary hospitalisation is covered up to SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, daycare treatments are covered.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
NA
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan does not cover cataract treatment expenses
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Available
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Unlimited auto restoration is available under the HDFC ERGO Optima Secure Global Health Plan for up to 100% of the base SI on every claim made.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
With a hospitalisation of more than 48 hours, the insured gets INR 800 per day and upto INR 4800 in total for shared room accommodation.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under the HDFC ERGO Optima Secure Global Health Plan, organ donor’s expenses are covered for harvesting the organ and related in-patient hospitalisation.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Covered Under HDFC ERGO Optima Secure Global Health Plan up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not available under HDFC ERGO Optima Secure Global Health Plan.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Covered up to SI.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Air Ambulance is covered under HDFC ERGO Optima Secure Global Health Plan up to INR 5 Lakhs.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, compassionate travel is covered for one accompanying person, accommodation of the same is also applicable.
Any kind of medical/health emergency when you are outside of India.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, global treatment is covered for hospitalisation related to an emergency.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan provides e-consultation for the 51 listed critical illnesses.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
On every policy year completion, the policyholder gets preventive health check-up benefits. The policyholder has a choice to opt for the tests that they are required to go through with a sub-limit. For individual policies, they can avail of the test worth INR 8,000 (per insured) and for family floater INR 15,000 (per policy).
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
No geography-based co-payment is the feature of this plan which allows the policyholder to get treatment wherever they want.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable
The HDFC ERGO Optima Secure Global family/individual insurance policy is a wholesome plan for all but comes with standard exclusions. Read here what’s not covered under the plan:
Investigation and evaluation purposes
Obesity control/weight management/liposuction
Cosmetic surgery/beautification treatment/therapies
Hazardous sports/adventure activities that include life-threatening risks
Breach of law
Alcoholism, drug or substance abuse
Unproven treatments, sterility and infertility
Maternity expenses
Congenital external diseases, defects or anomalies
War of any kind
Excluded service providers, etc.
The policyholders can raise a claim against their HDFC ERGO Optima Secure and get either a cashless claim settlement or reimbursement claim. Here are the steps to claim your Optima Secure Global health policy:
Steps for cashless claim settlement
If you go for hospitalisation at a networking hospital of the insurer, you need not pay anything and you can receive the treatment on a cashless claim settlement basis by following the below-mentioned steps:
Reach out to the networking hospital of the insurer that must be listed in your policy document.
You need to inform your insurer 3 days before getting hospitalised if you have a planned case of hospitalisation. However, in case of emergency hospitalisation, you must inform your insurer within 24 hours from the time you’re being hospitalised.
Take your e-health card along with you when going to get hospitalised. Collect the pre-authorisation claim form from the desk of TPA. Fill out the form diligently and submit it at your network hospital’s TPA’s desk; attach the valid ID proof and e-health card at this time
The final step is the verification of your claim, where the company will verify and match all the submitted files during hospitalisation. Later, the hospital and the insurance company will settle the claim between both. You do not need to pay anything on your own here.
Steps for reimbursement claim
If you have to take hospitalisation benefits in a non-networking hospital that’s not mentioned in your policy documents, you need to follow these steps:
Inform your insurer about getting hospitalised within 24 hours of hospitalisation to a non-networking hospital if it was not planned. If you’ve planned for hospitalisation, you need to inform the insurer about the same at least 3 days before hospitalisation.
Collect the pre-authorisation form from the hospital’s TPA desk and fill it out carefully. Later, submit it with the ID proof and e-health card of the HDFC ERGO health insurance.
Pay off your account first against all the hospital and treatment expenses. After getting discharged from the hospital, you need to keep all the compulsory medical bills and hospitalisation receipts handy with you as it’ll further help you get your expenses reimbursed.
Now submit all of the compulsorily needed documents, claim forms, medical bills, and other details that are required by the insurer.
Then the insurance company will review your claim request and upon verification, they will reimburse all the medical expenses as specified in the policy documents. Below are the important documents that you need to submit during raising a reimbursement claim.
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
‘Ab yaha tak aaye ho, toh kuch achcha hi socha hoga!’
If you want health insurance for yourself and your family that covers all under one roof at a global level, you need to check out the HDFC ERGO Optima Secure Global Plan. It provides a far-reaching coverage benefit and an additional overseas cover to the policyholder, all within the proposed sum insured.
Didn’t get that or need any further information on the same plan? Worry not! You can connect with the Masters of Health Insurance at PolicyX.com. You don’t need to search for us here and there. Give us a call at 1800 4200 269 or connect with us via email at helpdesk@policyx.com
HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:
Comprehensive
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
Comprehensive
This plan is designed to provide you with alternate and basic healthcare facilities at affordable premium options.
Unique Features
Comprehensive
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Flexible
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Comprehensive
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Disease-specific plan
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
Disease-specific plan
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
Critical Illness
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
Bonus-oriented health plan
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
Top-Up
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Women-oriented health
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
Comprehensive
Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.
Unique Features
You can claim your policy online from the official website of HDFC ERGO General Insurance and then select the required policy, and follow the steps as mentioned on their official website. You can also claim the policy by reaching out to customer care of PolicyX.
Yes. This policy is suitable for either an individual or a family.
HDFC ERGO Optima Secure health insurance plan can cover 6 adults and 6 children under a single family policy.
This policy can be bought for children aged from 91 days to 25 years and an adult aged from 18 years to 65 years.
The HDFC ERGO Optima Secure with global coverage covers hospitalisation expenses, organ donor expenses, AYUSH treatment, emergency air ambulance, e-opinion for critical illnesses, etc even outside India.
Yes, you can buy add-on covers for critical illness, unlimited restoration, individual personal accidents, hospital cash benefits, and more.
No, there won’t be separate charges or limits for global coverage. The whole value of the sum insured will be common for treatments opted within India or globally.
All the claims (up to the sum insured) made against the treatment accessed outside India shall be entertained on a reimbursement claim basis. The cashless claim facility will depend on your additional coverage benefits under the Plus variant.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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February 5, 2023
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