HDFC ERGO Optima Secure Plan

Overview

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against rising healthcare costs. It offers up to 4x the sum insured at no additional cost.

This comprehensive policy covers individuals and families for hospitalization, pre and post-hospitalization costs, and day-care treatment, among other benefits. HDFC ERGO Health Insurance also provides flexible premium payment options.

With its standard policy inclusions, long-term protection, and extensive coverage, the HDFC ERGO Optima Secure Plan is a valuable choice for individuals seeking a reliable and cost-effective health insurance policy.

Key Features of HDFC ERGO Optima Secure

• Secure Benefit

  The Secure Benefit automatically doubles your base sum insured (2X) from day one, without you needing to file any claim.

• Plus Benefit

  This cover provides a 100% instant increase in the base cover on your first policy renewal. The Plus Benefit adds an additional 100% of your base sum insured every year, helping your cover grow annually.

• Restore Benefit

  The Restore Benefit reinstates up to 100% of your base sum insured once in a policy year, after complete exhaustion of your cover.

• No Cost Instalment Option

  This cover allows for easy processing with instalment premium payments, applicable for monthly, quarterly, half-yearly, and yearly payments, without additional charges.

• My:Health Hospital Cash Benefit

  This is an add-on cover where you can avail of a daily cash benefit during hospitalization for personal expenses, food, loss of pay, transportation, etc.

Benefits of Buying HDFC ERGO Health Insurance Optima Secure

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

• Protect Benefit

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

• Aggregate Deductible Discounts

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

• More Savings

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

• So Many Options

  You can extend the policy tenure, sum insured limit, and family inclusion numbers as needed.

Exclusions

• Treatment arising out of war, war-like situations, nuclear, chemical, or biological events.
• Treatment outside the scope of the policy’s covered benefits as defined in the prospectus.
• Treatment for HIV, AIDS, and related illnesses.
• Intentional self-injury or attempted suicide.
• Maternity expenses, including pregnancy, childbirth, miscarriage, abortion, and related complications.
• Infertility, sterility, and assisted reproductive treatments such as IVF.
• Congenital anomalies (internal or external).
• Specified ailments and treatments are covered after a 24-month waiting period.
• Pre-existing diseases are covered after a 36-month waiting period, provided the insured has continuous coverage.