HDFC ERGO Optima Secure Global Insurance Plan: Global Coverage
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HDFC ERGO Optima Secure Global Plan

The plan offers an ample sum insured of INR 1 Crore to 2 Crores, provi ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,716 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

About HDFC ERGO Optima Secure Global Plan

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

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.

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

  1. 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).

  2. 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.

  3. 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.

  4. 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).

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

Four-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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Worldwide coverage
  • high sum insured up to INR 2 Crores
  • 4-level sum insured restoration benefit
  • aggregate deductible discounts
  • and no deductions on non-medical expenses.

Cons

  • INR 10,000 deductible for overseas claims
  • aggregate deductible applicable only in India
  • no coverage for vaccinations
  • maternity and newborn baby cover not included in the base plan.

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Covered

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 18 to 65 Years Sum Insured: INR 1 Crore to INR 2 Crores Initial Waiting Period: 30 Days Policy Term: 1
  • 2
  • or: 3 Years

Other features & benefits

  • E-opinion for 51 critical illnesses
  • availability of various add-on covers
  • optional Overseas Travel Secure add-on.

HDFC ERGO Optima Secure Global Plan: FAQs

The 8 most-asked questions about HDFC ERGO Optima Secure Global Plan, answered.

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.

Conclusion

The HDFC ERGO Optima Secure Global Plan offers extensive worldwide health coverage with high sum ins

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Anshika Ojha — Health Insurance Reviewed by Raj Kumar — Health Insurance
Last updated: 14 Mar 2024 · Originally published: 4 Nov 2024

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