OneAssure

Health Insurance

HDFC ERGO

Optima Secure Plus

HDFC ERGO Optima Secure Plus

Get enhanced health insurance protection with 2X cover from Day 1, 100% additional base sum insured every year, unlimited automatic restoration and coverage for listed non-medical hospital expenses.

98%

Claim Settlement Ratio

16,000+

Network Hospitals

8/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: HDFC ERGO Optima Secure Plus

Final Verdict

Optima Secure+ stands out for its layered coverage structure: the base sum insured doubles from Day 1, grows through the Infinite Benefit every policy year and can be restored repeatedly through the Automatic Restore Benefit. Cover for listed non-medical expenses and extended pre- and post-hospitalisation periods add to its appeal. However, buyers should assess the premium, 30-day initial waiting period, 24-month specified-illness waiting period and 36-month pre-existing disease waiting period. Optional benefits may cost extra, and all coverage remains subject to policy terms, exclusions and limits.

About

What Is Optima Secure Plus?

HDFC ERGO Optima Secure+ is a health insurance plan that combines enhanced initial coverage with benefits designed to increase and restore cover over time. The Secure Benefit doubles the base sum insured from Day 1 at no extra cost, while the Infinite Benefit adds 100% of the base sum insured after each completed policy year, irrespective of claims and without a maximum accumulation limit. Its Automatic Restore Benefit can restore up to 100% of the base sum insured unlimited times in a policy year, subject to the policy terms. The Protect Benefit covers specified non-medical hospital expenses. Additional benefits include room rent at actuals, eligible hospitalisation and day-care treatment, AYUSH treatment, home healthcare, organ donor expenses, emergency ambulance coverage, 60 days of pre-hospitalisation and 180 days of post-hospitalisation expenses, preventive health check-ups and e-opinion for 51 specified critical illnesses. Buyers can choose individual or family floater coverage and may add optional benefits for outpatient services, chronic conditions, maternity-related expenses, hospital cash and critical illness protection. Waiting periods, exclusions, add-on conditions and deductible options should be reviewed before purchase.

Optima Secure Plus Ratings

Optima Secure Plus

Insurer Rating

9.07

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Add on

Maternity Available

Add on

Waiting Period Waiver

Add on

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 Plus Inclusions

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

Add ons

Optima Secure Plus 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.