Does Optima Secure Global cover planned surgery in another country?

No. Optima Secure Global covers eligible emergency medical treatment overseas. Planned overseas treatment is not covered under this variant; compare Optima Secure Global Plus if you need planned overseas treatment cover.

Is the Secure Benefit available for hospitalisation outside India?

No. The official comparison identifies Secure Benefit as applicable in India only under Optima Secure Global. Overseas claims are assessed under the separate Global Health Cover terms.

Will the policy pay the entire amount of an eligible overseas emergency claim?

Not necessarily. A ₹10,000 deductible applies separately to each overseas claim, except the specified E-Opinion for Critical Illness benefit. The overall overseas liability in a policy year is also limited to the base sum insured and Plus Benefit, if available.

If I have a pre-existing condition, will emergency treatment abroad be covered immediately?

Not automatically. Pre-existing diseases are subject to the applicable waiting period, underwriting decision, exclusions and policy terms. Disclose your medical history and confirm the treatment eligibility before buying.

Can I use cashless treatment for an emergency abroad?

Do not assume overseas cashless treatment is available at every hospital. The applicable process depends on the overseas provider, assistance arrangements, pre-authorisation requirements and policy terms. Confirm the process with HDFC ERGO before treatment wherever possible.

Does Optima Secure Global include cover for planned treatment abroad if I pay an additional premium?

Planned overseas treatment is not included in the Global variant’s listed benefits. The official plan comparison identifies this benefit under Global Plus instead; confirm the available variant and terms with the insurer.

Is Overseas Travel Secure automatically included?

No. Overseas Travel Secure is listed as an optional cover. It may pay eligible travel expenses for the insured person and one accompanying person, including accommodation for the accompanying person, subject to its terms and additional premium.

OneAssure

Health Insurance

HDFC ERGO

Optima Secure Global

Cover only emergency hospitalisation outside India within 45 days of a trip, after ₹10,000 per overseas claim, doubling India cover from day one, adding 50% a year up to 100%, restoring 100% in India and paying listed non-medical expenses.

98%

Claim Settlement Ratio

16,000+

Network Hospitals

8/10

Plan Rating

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Our Verdict

Expert Review: HDFC ERGO Optima Secure Global

Final Verdict

Optima Secure Global may suit buyers who want substantial domestic health insurance with additional protection for eligible emergency medical treatment abroad. Its Secure, Plus and Restore benefits can increase available cover in India, while the ₹1 crore and ₹2 crore base options provide high coverage limits.Global does not cover planned overseas treatment; compare it with Global Plus if that is a requirement. Overseas claims have a ₹10,000 per-claim deductible and a policy-year liability limit. Review the policy wording, waiting periods, exclusions and optional benefits before purchasing.

About

What Is Optima Secure Global?

Optima Secure Global is HDFC ERGO's premium international health insurance solution designed for customers seeking extensive protection in India and abroad. The plan combines four flagship benefits:

Secure Benefit: Instantly doubles the purchased Sum Insured.
Plus Benefit: Increases base cover by 50% after one year and 100% after two years irrespective of claims.
Restore Benefit: Automatically restores 100% of the base Sum Insured after claim utilization.
Protect Benefit: Covers listed non-medical consumables such as gloves, masks and related hospitalization expenses.

The policy further includes global emergency hospitalization coverage, home healthcare, AYUSH treatment, organ donor expenses, emergency air ambulance, preventive health check-ups, e-opinion for critical illnesses, domiciliary hospitalization, and multiple add-on options. Together these benefits can provide up to 4X effective coverage in India after two policy years.

Global Ratings

Global

Insurer Rating

9.07

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

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

HDFC ERGO Optima Secure Global Inclusions

Room Rent

Covered at Actuals

Advanced Treatments

Global Health Cover Available

Co-payment

No Geography-Based Co-payment

Cashless Healthcare Providers

16,000+ Network Hospitals & Healthcare Providers

Daycare Treatment

Covered

AYUSH Treatment

Covered up till sun assured

Modern Treatment

Listed modern treatments covered, subject to policy terms and geography restrictions.

ICU Charges

Covered subject to the applicable sum insured and policy terms.

Cumulative Bonus

Plus Benefit increases cover by 50% of base sum insured after year 1 and up to 100% after year 2, subject to conditions.

Consumable Cover

Protect Benefit covers specified non-medical expenses, subject to the policy wording.

Initial Waiting Period

30 days for illnesses; subject to policy wording and accident-related exceptions.

Specific Waiting Period

24 months for specified diseases and procedures, subject to policy terms.

PED Waiting Period

36 months, subject to applicable policy terms and approved modifications.

Annual Health Checkup

Available; limit depends on policy type and applicable terms.

Post-Hospitalisation

Up to 180 days for eligible hospitalisation in India; overseas cover is subject to separate Global benefit terms.

Outpatient Department Cover (OPD Expense)

General OPD expenses not verified as a standard benefit; overseas emergency cover is subject to its specific definition.

Deductible Option

Optional aggregate deductible: ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh or ₹5 lakh; applies to eligible claims in India.

Coverage Options

Individual or family floater; ₹1 crore or ₹2 crore base sum insured.

Maternity Cover

Not verified as a covered benefit; do not assume maternity expenses are covered.

Pre-Hospitalisation

Up to 60 days for eligible hospitalisation in India.

Claim Settlement Ratio

FY 2024-25: 97.45%

Disease-wise sublimits

No disease-specific sublimits verified from the reviewed Global plan summary; overseas liability and deductibles are separate limits.

Restoration Benefit

Automatic Restore Benefit restores 100% of base sum insured for eligible claims in India, subject to conditions.

Add ons

Optima Secure Global Add-Ons and Riders

Modification Of Room Rent

Removal Of Protect Benefit

My Health Hospital Cash Benefit

Limitless

Abcd Chronic Care

Ipa Rider

My Health Critical Illness

Optima Wellbeing

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About the company

About HDFC ERGO

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 India.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.