Hdfc Ergo Optima Secure
  • 3 plan variants
  • Double coverage
  • E-opinion on critical illnesses
HDFC ERGO Health Insurance
premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

12000+

premium

Incurred claim ratio

79.04%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.7

premium

Pan India Presence

200+

HDFC ERGO My:Optima Secure Health Insurance

HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you and your near and dear ones with SO MUCH benefits, the gift of better health, that too without compromising on optimal health coverage. The whopping 4x cover comes with no extra cost and enhances the healthcare experience with its worldwide reach. You get to pay your premium anytime you like, without paying anything extra.

Wasnít it enough to get you stuck on this page? All the standard inclusions of healthcare needs such as pre and post-hospitalisation, unlimited day-care procedures and discount options would never disappoint you. Let us tell you, this is not over yet! But if you want to know more about the HDFC ERGO optima secure policy, read further through this page.

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HDFC ERGO Optima Secure Health Plan 2024

HDFC ERGO Optima Secure Health Plan 2024

HDFC Ergo Optima Secure Plan Specifications

Entry Age

Minimum: Children- 91 Days to 25 years Adult: 18 years

Entry Age Max.

Maximum: No age limit

Policy Term

1/2/3 Years

Plan Type

Individual/ Family Floater

Sum Insured

5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr | 2 Cr

Initial Waiting Period*

30 Days*

*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.

Read more specifications in the brochure.

Key Features Of HDFC Ergo Optima Secure

The key features associated with HDFC Ergo Optima Secure are as follows:

  • Secure Benefits

    Double your base cover up to two times at the time of purchase or the next day of your policy purchase. You donít need to claim to avail of this benefit.
  • Plus Benefits

    With this cover, you can get a 100% instant increase in the base cover on your first policy renewal. Given that the first-year renewal will yield a 50% increase, the second renewal will give you a 100% increase in the base cover.
  • Restore Benefit

    Avail up to 100% restore coverage on partial/full exhaustion till INR 10 Lakhs out of the overall SI. The good part is, that you need not wait for the next year's renewal, you can avail of this benefit in the same policy year.
  • No Cost Instalment Option

    With this cover, you can get easy processing with installment premium payments that are applicable with monthly, quarterly, half-yearly, and yearly payments (without additional charges).
  • Unlimited Restore

    Availability of this benefit ensures that you get continued coverage up to 100% of the base sum insured restoration against full or partial exhaustion of the cover on next year's policy renewal.
  • My:Health Hospital Cash Benefit

    Itís an add-on cover with this policy where you can avail of a daily cash benefit while hospitalisation for items such as personal expenses, food, loss of pay, transportation, etc.

Choose your HDFC Ergo Optima Secure Plan

With comprehensive coverage options, HDFC Ergo Optima Secure Plan lets you customize your health insurance plan as per your requirements:

Coverage for SI: 5 L - 2 Cr

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 180 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Applicable

Automatic Restoration

Applicable

Daily Hospital Cash

Available

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Available

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Available

Health Check-Up

Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Applicable

Sub-limits

Not Available

What is Room Rent?

The 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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, the room rent is covered up to the actual amount.

What are ICU charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, ICU charges are covered up to the Sum Insured.

What is Pre-Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan medical expenses incurred during pre-hospitalization are covered for up to 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure, domiciliary hospitalization is covered up to SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure covers the expenses of daycare treatment up to SI.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC Ergo Optima Secure?

COVID-19 treatment is covered by HDFC Ergo Optima Secure Plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under HDFC Ergo Optima Secure?

HDFC Ergo Optima Secure Plan does cover cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a 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?

The cumulative Bonus is available under HDFC Ergo Optima Secure, 10% of the Base Sum Insured, up to a maximum of 100% for each claim-free year.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure automatic restoration is available up to base SI.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under HDFC Ergo Optima Secure?

The daily hospital cash is available under HDFC Ergo Optima Secure as an add-on benefit Starting from INR 500 per day up to INR 10,000 per day.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure, organ donor expenses are covered up to SI

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under HDFC Ergo Optima Secure?

Under the HDFC Ergo Optima Secure Plan, maternity expenses are not covered.

What is a New Born Baby Cover?

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 newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, the newborn baby cover is not available

What is AYUSH Treatment?

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?

Covered Under HDFC Ergo Optima Secure up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, Ambulance expenses are covered up to SI.

What is an Air Ambulance?

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?

Under HDFC Ergo Optima Secure Plan, Air Ambulance is covered up to INR 5 Lakh.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Global coverage is not available.

What is E-Consultation?

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?

Under HDFC Ergo Optima Secure e-consultation is covered for 51 critical illnesses.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure, a health checkup is covered for each Insured individual above 18 years of age.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the companyís network of medical practitioners.

Coverage status under HDFC Ergo Optima Secure?

Under the HDFC Ergo Optima Secure second medical opinion is not covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC Ergo Optima Secure?

Under HDFC Ergo Optima Secure Plan, vaccination expenses are not covered.

What is Co-payment?

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.

Status under HDFC Ergo Optima Secure?

Not Applicable under HDFC Ergo Optima Secure

What is the Sub limit?

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 be paid by the policyholder.

Status under HDFC Ergo Optima Secure?

Not Applicable under HDFC Ergo Optima Secure.

Benefits of Buying HDFC ERGO Health Insurance Optima Secure

Here are some of the standard benefits of HDFC ERGO Optima Secure plan that you should know before investing in it:

Protect Benefit

Procedure charges, cost of disposables, and cost of consumables covered

Aggregate Deductible Discounts

Avail 25 to 60% off and on the 5th year of the policy, the deductible will be waived off.

More Savings

Get many discounts such as family, long-term, and online.

So Many Options

You can extend the policy tenure, sum insured limit, family inclusion numbers, etc as per need.

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 12,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

HDFC Ergo Optima Secure Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under HDFC Ergo Optima Secure Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 36 months

Listed/Specific Illness 24 Months

HDFC Ergo Optima Secure Premium Illustration

To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Optima Secure

Age/Coverage opted Individual Coverage Individual Coverage for Multiple Family Members Family Floater Coverage
35 14,500 13,050 6,525

*Premium is calculated for Sum Insured of INR 10 Lakh

To Sum It Up

Providing you and your family with the maximum healthcare benefits is the sole purpose of HDFC ERGO Optima Secure health insurance. Apart from this, you can get covered for an extended period as there are options to double and even triple your coverage limit. With its rewarding bonuses, Optima Secure is the need of this hour for you. So, when are you buying this policy to stand ahead in the queue when a medical emergency strikes you?

If you have anything further to ask, give us a call at 1800 4200 269 and get a free consultation with one of the health insurance experts of PolicyX.com.

Explore other HDFC ERGO Health Plans

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

This plan is designed to provide you with alternate and basic healthcare facilities at affordable premium options.

Unique Features

  • Seamless customer support
  • Daycare procedures
  • Pre & post-hospitalization

Arogya Sanjeevani Policy (Pros)

  • Dental treatment & plastic surgery
  • Cumulative bonus
  • Wellness track app
  • 12 listed treatments covered
  • Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

  • No maternity cover
  • Insufficient coverage
  • Less coverage for daycare procedures
  • Vaccination not covered
  • COVID-19 care not covered

Arogya Sanjeevani Policy (Other Benefits)

  • Individual & family floater plan
  • Over 13,000 Network Hospitals
  • Unlimited consultations up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry age: 3 Months - 25 Years
  • Adult age - 18 - 65 Years
  • SI - Up to 10 Lakhs
  • Waiting Period - 30 days

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

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

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

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days

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

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

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

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

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

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

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

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

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

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Top-Up

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • Post 61 Year No Premium Hike
  • Day Care Procedure
  • Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

  • Treatment Of Obesity
  • Self Inflicted Injury
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

  • Free Look Period
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

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

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.

Unique Features

  • Global healthcare coverage
  • Multiple wellness services
  • Unlimited restore add-on

Optima Secure Global Plan (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense cover

Optima Secure Global Plan (Cons)

  • COVID-19 care not covered
  • Modern treatment not covered
  • OPD not covered
  • Sub-limits not applicable

Optima Secure Global Plan (Other Benefits)

  • Individual, multi-individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlemen
  • AYUSH treatment coverd

Optima Secure Global Plan (Eligibility Criteria)

  • Entry age - Child - 91 days - 25 Years
  • Adult - 18 - 65 Years
  • SI - INR 1 -2 Crore/s
  • Waiting Period - 30 days

Comprehensive

HDFC Ergo Personal Accident Insurance

Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.

Unique Features

  • Worldwide Coverage
  • Tax Benefits
  • Lifelong Renewability

Personal Accident Insurance (Pros)

  • No medical check-ups
  • Family cover available
  • Accidental Death
  • Permanent Total Disability
  • Broken Bone Coverage

Personal Accident Insurance (Cons)

  • Pre-existing injuries not covered
  • Suicide not covered
  • Adventure sport injuries not covered
  • Claims related to mental illness
  • Individuals working with explosives

Personal Accident Insurance (Other Benefits)

  • Hospital Cash Cover
  • Coverage For Burns
  • Long term discounts
  • 24/7 coverage
  • High Sum Insured

Personal Accident Insurance (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • SI - 2.5 to 15 L
  • Waiting Period - 30 Days

HDFC ERGO Optima Secure : FAQs

1. What are the entry-age eligibility criteria for the HDFC Ergo Optima Secure health plan?

HDFC Ergo Optima Secure health plan is available for:

  • 18 years to no maximum age limit for adults
  • 91 days to 25 years maximum entry age for dependent children

2. What is the maximum amount of sum insured you can opt for with HDFC Ergo Optima Secure health plan?

HDFC Ergo Optima Secure plan offers you a wide range of sum insured options like 5 L, 10 L, 15 L, 20 L, 25 L, 50 L, 1 and 2 Crore.

3. Does HDFC Ergo Optima Secure cover COVID-19 expenses?

Yes, COVID-19 expenses are covered under the HDFC Ergo Optima Secure plan.

4. How many family members can be covered under HDFC Ergo Optima Secure Plan?

In a family floater policy, a maximum of 4 adults and a maximum of 6 dependent children can be included in a single policy. The relationships that can be covered are spouses, dependent children, parents, and parents-in-law.

5. Are organ donor expenses covered under the HDFC Ergo Optima Secure plan?

Yes, organ donor expenses related to organ transportation or preservation and organ donorís pre-and post-hospitalisation expenses are all covered.

6. Do policyholders get a no-cost installment option for HDFC Ergo Optima Secure?

Yes, policyholders can avail of the benefit of no-cost installment. This feature is available to one-year policyholders.

7. What is the "secure benefit" under HDFC Optime Secure?

When an individual purchases HDFC Ergo Optima Secure the base cover gets doubled instantly upon purchase, without having the need to claim it. If any individual purchases the policy with a sum insured of INR 10 lakh the secure benefit allows the sum insured to double up to INR 20 lakh immediately which can then be used for any number of admissible claims.

8. What is the "Plus Benefit" under HDFC Optime Secure?

When an individual purchases HDFC Ergo Optima Secure they can avail of the plus benefit that offers a 50% increase on 1st policy renewal after 1 year and a 100% increase after 2 years.

9. Will policyholders be covered for homecare under HDFC Ergo Optime Secure?

Yes, HDFC Ergo Optima Secure covers medical expenses incurred by policyholders on home hospitalization, if advised by the Doctor on a cashless basis.

10. Do policyholders get a cover against COVID-19 under HDFC Ergo Optima Secure?

Yes, policyholders are covered for COVID-19 under HDFC Ergo Optima Secure.

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HDFC Ergo Health Plans Review

Read what customers have to say about HDFC Ergo Health health insurance.

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Achintya Sharma

Ranchi

May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Patra Ahuja

Gandhinagar

April 8, 2024

I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.

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Sunidhi Makkar

Mumbai

April 8, 2024

PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.

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Harsh Wardhan

Madurai

April 8, 2024

I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.

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Nipun Walia

Pune

April 8, 2024

Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.

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Prema Singhania

Madurai

April 8, 2024

I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.

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Padma Ray

Bhopal

March 15, 2024

Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.

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Ryan Mukherjee

Coimbatore

March 14, 2024

HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.

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