How does the Infinite Benefit work?

After every completed policy year, the policy adds an amount equal to 100% of the base sum insured irrespective of claims. There is no cap on accumulation, allowing coverage to grow continuously over time.

What is Secure Benefit?

Secure Benefit instantly doubles the base sum insured from Day 1 without any additional premium. A ₹10 lakh base sum insured immediately becomes ₹20 lakh of available coverage.

How does the Automatic Restore Benefit work?

Whenever the base sum insured gets exhausted due to claims, the policy automatically restores up to 100% of the base sum insured. This restoration can happen unlimited times in a policy year.

What is Protect Benefit?

Protect Benefit covers listed non-medical expenses incurred during hospitalization. This helps reduce out-of-pocket expenses that are generally not covered under many health insurance policies.

OneAssure

Health Insurance

HDFC ERGO

Optima Secure Plus

HDFC ERGO Optima Secure Plus

Experience India's most trusted health insurance with HDFC ERGO Health Insurance. Get instant cashless treatment at 16000 network hospitals with sum insured up to ₹50 lakhs.

98%

Claim Settlement Ratio

16000+

Network Hospitals

0

Customer Rating

Policy Brochure

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98%

Claim Settlement Ratio

16000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: HDFC ERGO Optima Secure Plus

Final Verdict

The upgrade from Optima Secure that actually earns it.Optima Secure+ takes what already worked well in Optima Secure — unlimited restore, consumables cover, no co-pay — and adds something genuinely new: the Infinite Benefit. Your base cover compounds 100% every year with no ceiling, regardless of claims. For a family that plans to hold this policy long-term, that's meaningful. The premium is higher, but what you're buying is cover that gets significantly more valuable each year without you having to do anything.

The upgrade from Optima Secure that actually earns it. Optima Secure+ takes what already worked well in Optima Secure — unlimited restore, consumables cover, no co-pay — and adds something genuinely new: the Infinite Benefit. Your base cover compounds 100% every year with no ceiling, regardless of claims. For a family that plans to hold this policy long-term, that's meaningful. The premium is higher, but what you're buying is cover that gets significantly more valuable...

About

About HDFC ERGO Optima Secure Plus

Optima Secure+ is HDFC ERGO's latest flagship health plan. It's built around four core ideas: your cover doubles instantly on purchase (Secure Benefit), it grows by 100% of your base SI every year without any cap (Infinite Benefit), it restores fully every time you claim — unlimited times (Automatic Restore), and it covers the non-medical line items on your hospital bill that most plans quietly exclude (Protect Benefit). Combined with a 16,000+ hospital network, no room rent sub-limits, and no geography-based co-payment, it's positioned as a long-hold plan for families who want cover that keeps up with medical inflation.

Optima Secure+ is HDFC ERGO 's latest flagship health plan. It's built around four core ideas: your cover doubles instantly on purchase (Secure Benefit), it grows by 100% of your base SI every year without any cap (Infinite Benefit), it restores fully every time you claim — unlimited times (Automatic Restore), and it covers the non-medical line items on your hospital bill that most plans quietly exclude (Protect Benefit). Combined with a 16,000+ hospital network,...

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 Optima Secure Plus

Room Rent

Normal: Room Rent at Actuals
ICU: Covered at Actuals

PED Waiting Period

3 years

AYUSH Treatment

Covered up to SI under hospitalisation benefit.

ICU Charges

No restriction on ICU room rent.

Disease-wise sublimits

No

Restoration Benefit

Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses.

Cumulative Bonus

Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely).

Specific Waiting Period

2 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period.

Consumable Cover

Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

Annual Health Checkup

Health check-up is available after the first policy year

Deductible Option

Available as an option.

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved.

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)

Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

Cashless Healthcare Providers

16000+ Healthcare Providers

Maternity Cover

No. However, available as an add-on

Coverage Options

Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Advanced Treatments

Covered all Advanced/Modern treatments

Co-payment

No Mandatory Co-payment

Initial Waiting Period

30 Days

Daycare Treatment

Covered up to Sum Insured

Room Rent

Normal: Room Rent at Actuals
ICU: Covered at Actuals

PED Waiting Period

3 years

AYUSH Treatment

Covered up to SI under hospitalisation benefit.

Exclusions

Not available

Add ons

Add-Ons

Modification of Room Rent USPR

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

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,...