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.
Wasn’t 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.
Recommended Videos
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 don’t 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
It’s 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 company’s 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 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.
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.
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:
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
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.
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.
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
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 donor’s 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.
Read what customers have to say about HDFC Ergo Health health insurance.
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.
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.
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.
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.
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.
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.
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.
Nitish Sinha
Allahabad
March 14, 2024
I had a kidney problem, so I chose to buy an HDFC ERGO Critical Illness policy with the help of PolicyX. After completing the waiting period, now I am completely eligible to claim for my medica...
