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+
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.
HDFC ERGO Optima Secure Health Plan 2024
Minimum: Children- 91 Days to 25 years Adult: 18 years
Maximum: No age limit
1/2/3 Years
Individual/ Family Floater
5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr | 2 Cr
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.
The key features associated with HDFC Ergo Optima Secure are as follows:
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
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
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
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Available
Health Check-Up
Available
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
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:
Coverage status under HDFC Ergo Optima Secure?
Under HDFC Ergo Optima Secure Plan, the room rent is covered up to the actual amount.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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:
Coverage status under HDFC Ergo Optima Secure?
Under HDFC Ergo Optima Secure Plan, the newborn baby cover is not available
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.
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?
Under HDFC Ergo Optima Secure IVF treatment is not covered.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
Here are some of the standard benefits of HDFC ERGO Optima Secure plan that you should know before investing in it:
Procedure charges, cost of disposables, and cost of consumables covered
Avail 25 to 60% off and on the 5th year of the policy, the deductible will be waived off.
Get many discounts such as family, long-term, and online.
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
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
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
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
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:
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
This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.
Unique Features
Comprehensive
Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.
Unique Features
HDFC Ergo Optima Secure health plan is available for:
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.
Yes, COVID-19 expenses are covered under the 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.
Yes, organ donor expenses related to organ transportation or preservation and organ donor’s pre-and post-hospitalisation expenses are all covered.
Yes, policyholders can avail of the benefit of no-cost installment. This feature is available to one-year policyholders.
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.
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.
Yes, HDFC Ergo Optima Secure covers medical expenses incurred by policyholders on home hospitalization, if advised by the Doctor on a cashless basis.
Yes, policyholders are covered for COVID-19 under HDFC Ergo Optima Secure.
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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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