What is the waiting period for pre-existing diseases under Optima Super Secure?

Pre-existing diseases are covered after 36 months of continuous coverage. The brochure also states that waiting periods reduce by one year on every continuous renewal.

What is the Secure Benefit under Optima Super Secure?

Secure Benefit instantly increases the coverage to 3X of the base sum insured from day one without requiring any claim or activation.

How does the Restore Benefit work?

If a claim partially or fully utilizes the base sum insured, 100% of the base sum insured is automatically restored during the same policy year for future eligible claims.

What is covered under Protect Benefit?

Protect Benefit covers listed non-medical consumables such as gloves, masks, nebulizer kits, and other eligible consumable expenses incurred during hospitalization.

OneAssure

Health Insurance

HDFC ERGO

Optima Super Secure

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 15000 network hospitals with sum insured up to ₹50 lakhs.

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

Optima Super Secure stands out for its unique 5X coverage structure, combining automatic coverage enhancement, restoration benefits, and non-medical expense protection in a single health insurance plan.

About

About HDFC ERGO Health Insurance

Optima Super Secure is a comprehensive health insurance plan from HDFC ERGO that focuses on maximizing available coverage through multiple built-in benefits. The plan provides hospitalization cover, AYUSH treatment, home healthcare, organ donor expenses, emergency air ambulance services, preventive health check-ups, and daycare treatments. Its standout feature is the combination of Secure Benefit, Plus Benefit, Restore Benefit, and Protect Benefit, which together can increase effective coverage up to five times the chosen base sum insured over time. The policy also includes lifelong renewability, no geography-based co-payment, and access to a large cashless hospital network.

Optima Super Secure is a comprehensive health insurance plan from HDFC ERGO that focuses on maximizing available coverage through multiple built-in benefits. The plan provides hospitalization cover, AYUSH treatment, home healthcare, organ donor expenses, emergency air ambulance services, preventive health check-ups, and daycare treatments. Its standout feature is the combination of Secure Benefit, Plus Benefit, Restore Benefit, and Protect Benefit, which together can increase effective coverage up to five times the chosen base sum insured...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

No room rent capping

Advanced Treatments

Advanced Technology Methods Covered

Co-payment

Not Mentioned

Cashless Healthcare Providers

12,000+ Network Hospitals & Healthcare Providers

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

No room rent capping

Advanced Treatments

Advanced Technology Methods Covered

Co-payment

Not Mentioned

Exclusions

Not available

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About the company

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing, and round-the-clock support. HDFC ERGO is trusted by millions of customers for its reliable service and transparent policies. With strong financial backing and global expertise,...

HDFC Ltd., India’s top financial services company, and ERGO International, part of Munich Re Group of Germany. The company offers a wide range of insurance products, including health, motor, travel, home, and commercial insurance. In health insurance, HDFC ERGO is known for flexible plans, large coverage options, and easy claim processes. It has a wide hospital network across the country for cashless treatments. The company also provides modern services like wellness programs, online claim filing,...