HDFC ERGO Optima Secure Global Plan

HDFC ERGO Optima Secure Global Plan Overview

The HDFC ERGO Optima Secure Global plan offers vital and extended coverage both within and outside India, providing comprehensive protection without geographical boundaries. It is a variant of the HDFC ERGO Optima Secure health plan, available in two options: Optima Secure Global and Optima Secure Global Plus. This overview focuses on the HDFC ERGO Optima Secure Global variant, available for both individuals and families.

The plan offers a sum insured ranging from INR 1 Crore to 2 Crores, covering hospitalization expenses, pre and post-hospitalization care, organ donor expenses, AYUSH treatment, emergency ambulance, air ambulance, e-opinion for 51 critical illnesses, and more. These benefits cover medical expenses incurred both within and outside India, without additional charges. However, the treatment cost incurred must not exceed the base sum insured of your policy (unless you opt for the Plus variant) for treatment in India and overseas.

An aggregate deductible option is available for treatments within India, but not for overseas treatments.

Add-on Covers

Policyholders can opt for various add-on covers to enhance their coverage. Available add-on covers include:

• My:Health Critical Illness (Add-on)

  Provides coverage for 51 critical illnesses with a sum insured from INR 10 Lakhs up to INR 2 Crores (in multiples of INR 1 Lakh).

• My:Health Hospital Cash Benefit (Add-on)

  Offers an additional sum insured benefit from INR 500 up to INR 10,000 to cover daily hospital expenses.

• Individual Personal Accident Rider

  Provides a lump sum payout in case of accidental death, permanent partial disability, or permanent total disability. The payout can be up to 5 times the sum insured, with a maximum of INR 1 Crore.

• Unlimited Restore (Add-on)

  Offers unlimited restoration benefits during the policy year (the base sum insured increases by 50% on every renewal).

Additionally, an optional Overseas Travel Secure add-on cover is available with this Global plan. This cover includes the insured individual's travel expenses and accommodation for an accompanying person (if any) for overseas treatment. Opting for an aggregate deductible provides a discount ranging from INR 25,000 to INR 5 Lakhs (applicable only in India).

Four-Level Sum Insured Restoration Benefit

The HDFC ERGO Optima Secure Global Health Insurance plan also features a 4-level sum insured restoration benefit:

• Base Health Cover

  If you select a sum insured of INR 1 Crore, the base sum insured will cover your medical expenses as issued.

• Secure Benefit (2X Coverage)

  Upon policy inception, your sum insured doubles to INR 2 Crores, extending coverage benefits without extra cost. This benefit is available only in India, not overseas.

• Plus Benefit (Cumulative Bonus)

  The sum insured increases by 50% on the first renewal after one policy year, and by 100% on the second renewal after two policy years.

• Restoration Benefit (Unlimited)

  If a claim is made during any policy year that exhausts the base sum insured of INR 1 Crore, the sum insured will be automatically restored for subsequent claims within the same tenure.

Note: A deductible of INR 10,000 applies to every claim made outside India for overseas treatment, except for e-opinion on critical illnesses.

Benefits of HDFC ERGO Optima Secure Global Insurance

Key benefits of the HDFC ERGO Optima Secure Global Health Insurance plan for individuals and families include:

• Protect Benefit (No Deductions on Non-Medical Expenses)

  During hospitalization, there are no deductions on non-medical expenses (typically 10-20% of medical bills) like gloves and masks, as listed in the policy schedule, without extra charges.

• Aggregate Deductible Discounts

  Choose your deductible amount to avail of discounts up to 56% on premiums. The aggregate deductible discounts are:

  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%

  *Preventive health check-up coverage is available only if a deductible of INR 5 Lakhs is opted. The aggregate deductible option is valid only within India and can be waived after 5 policy years.

• Premium Discounts

  Policyholders can avail of various premium discounts:

  • Online Discount: 5% discount on online policy purchase from the official website.
  • Family Discount: 10% discount on premiums when adding two or more members under one policy.
  • Long-term Discount: 7.5% discount for paying 2-year policy premiums in advance; 10% discount for 3-year policy premiums in advance.
  • Loyalty Discount: 2.5% discount for existing HDFC ERGO General Insurance customers paying a premium of INR 2,000 or more.

• Tax Benefits

  Avail tax exemption benefits under Section 80D of the Income Tax Act, 1961, for premiums paid towards HDFC ERGO Optima Secure Global health plan.

Exclusions

The HDFC ERGO Optima Secure Global plan, while comprehensive, includes standard exclusions. Here's what is generally not covered:

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital diseases
• Infertility and in vitro fertilization