HDFC ERGO My Optima 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

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95

Claim Settlement Ratio

15000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: HDFC ERGO Health Insurance

Final Verdict

The upgrade from Optima Secure that actually earns itOptima 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 Health Insurance

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, no...

Inclusions and Exclusions

Inclusions and Exclusions of HDFC ERGO Insurance Company Limited

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

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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, 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,...