What is the waiting period for pre-existing diseases in Optima Secure Global Plus?

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 makes Optima Secure Global Plus different from regular health insurance plans?

The plan includes Global Health Cover for both planned and emergency overseas treatment, Secure Benefit that doubles coverage from day one, and Plus Benefit that increases coverage irrespective of claims.

Does Optima Secure Global Plus offer cashless hospitalization?

Yes, cashless treatment is available across more than 16,000 network hospitals and healthcare providers in India, subject to policy terms and conditions.

What is the Secure Benefit in this policy?

Secure Benefit provides an additional coverage amount equal to 100% of the base sum insured from the first day of the policy, increasing the total available protection.

OneAssure

Health Insurance

HDFC ERGO

Optima Secure Global Plus

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

Get a Quote

95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

Optima Secure Global Plus is designed for customers seeking large health coverage with international treatment access, automatic coverage enhancement, and broad hospitalization benefits under a single plan.

About

About HDFC ERGO Health Insurance

Optima Secure Global Plus is a comprehensive health insurance plan that combines domestic and international medical coverage under a single policy. The plan covers hospitalization, AYUSH treatment, home healthcare, domiciliary hospitalization, organ donor expenses, emergency air ambulance, and overseas treatment expenses. It includes distinctive features such as Secure Benefit, which doubles the base sum insured from day one, Plus Benefit that increases coverage over time irrespective of claims, and Protect Benefit that covers listed non-medical expenses. The policy also provides global coverage for both planned and emergency overseas treatment along with multiple optional add-ons for enhanced protection.

Optima Secure Global Plus is a comprehensive health insurance plan that combines domestic and international medical coverage under a single policy. The plan covers hospitalization, AYUSH treatment, home healthcare, domiciliary hospitalization, organ donor expenses, emergency air ambulance, and overseas treatment expenses. It includes distinctive features such as Secure Benefit, which doubles the base sum insured from day one, Plus Benefit that increases coverage over time irrespective of claims, and Protect Benefit that covers listed non-medical...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

Room Rent

Normal: Room Rent at Actuals
ICU: Up to Sum Insured

Advanced Treatments

Home Healthcare
Domiciliary Hospitalization
Emergency Air Ambulance
Global Emergency & Planned Treatment Cover
E-Opinion for Critical Illness
Organ Donor Coverage

Co-payment

No geography-based co-payment

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

16,000+ Network Hospitals & Healthcare Providers

Daycare Treatment

Covered

AYUSH Treatment

Covered Up to Sum Insured

Room Rent

Normal: Room Rent at Actuals
ICU: Up to Sum Insured

Advanced Treatments

Home Healthcare
Domiciliary Hospitalization
Emergency Air Ambulance
Global Emergency & Planned Treatment Cover
E-Opinion for Critical Illness
Organ Donor Coverage

Co-payment

No geography-based co-payment

Pageof 3

Exclusions

Not available

Add ons

Add-Ons

Modification of Room Rent USPR

Removal Of Protect Benefit

Limitless

My Health Hospital cash benefit

ABCD Chronic Care

Optima Wellbeing

Unlimited Restore

Parenthood

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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, it combines local understanding with international standards. The company focuses on customer satisfaction and aims to provide affordable protection for families, individuals, and businesses across...

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,...