HDFC ERGO My Optima Secure
HDFC ERGO
10.0/10
OneAssure Rating
10.0/10
OneAssure Rating
Highlighted Features
Room rent
All room categories are covered
Day Care Treatments
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your Annual Sum Insured
Brochure
Policy Wording
Explore more features
Our Verdict
HDFC’s star product, Optima Secure, offers exceptional features along with HDFC’s superior customer service. While the policy comes at a slightly higher premium than competitors, it justifies the cost during claims. It includes unlimited restoration of the sum insured and valuable add-ons such as maternity benefits and waived waiting periods for conditions like asthma, cholesterol, BP, and diabetes. There is no co-payment for treatments in higher-zone cities, and it provides inbuilt coverage for consumables like needles and gloves, which are typically add-ons with other insurers. Additionally, the policy value can increase up to four times the sum insured within three years of continuous coverage.
About the Plan
Optima Secure is a health insurance plan offered by HDFC ERGO, designed to provide comprehensive coverage with the potential to quadruple the insured amount. The plan includes features such as in-patient hospitalization, pre- and post-hospitalization expenses, and access to a network of over 15,000 cashless hospitals across India.
Policyholders can benefit from a seamless claims process, with options for both cashless and reimbursement claims. Additionally, the plan offers wellness programs and rewards for maintaining good health. Optima Secure aims to cater to diverse healthcare needs, ensuring financial protection and peace of mind for its customers.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Not available
Restoration Benefit
Yes, your sum insured restores to 100% once every policy year
Cumulative Bonus
Your sum insured increases by 50% every year, maximum up to 300%
Consumable Cover
Yes
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available after the first policy year
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
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)
OPD expense is not included
Deductible Option
Available as an option
Cashless Healthcare Providers
15000+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr
Claim settlement ratio
95%
Maternity Cover
No. However, available as an add-on
Exclusions
No coverage for injuries or illnesses caused by self-harm or substance abuse.
Cosmetic and aesthetic treatments, including plastic surgery, unless medically necessary.
Expenses for alternative treatments unless covered under specific plans.
Exclusions
my: Health Critical Illness - Provides a lump-sum payout upon diagnosis of any of the 51 specified critical illnesses, offering financial support during challenging times.
my: Health Hospital Cash Benefit - Offers a fixed daily cash allowance for each continuous and completed 24 hours of hospitalization.
Individual Personal Accident Rider - Provides a lump-sum payout in case of accidental death, permanent total disablement, or permanent partial disablement.
Unlimited Restore - Allows unlimited restoration of the base sum insured during a policy year upon complete or partial utilization.
Optima Wellbeing - Covers expenses for various outpatient benefits, including unlimited teleconsultations, in-person doctor consultations, psychological counselling, diet, etc.
ABCD Chronic Care - Provides coverage for medical expenses related to four chronic conditions: asthma, blood pressure, cholesterol, and diabetes after 30 days.
Parenthood - Covers expenses related to childbirth, prenatal, and postnatal care.
Limitless Claim - Covers expenses beyond the base policy's Sum Insured, offering unlimited claims under certain conditions.
Base Sum Insured ₹10L–₹50L: 1 unlimited claim
Base Sum Insured above ₹50L: 2 unlimited claim
Add-ons
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
HDFC ERGO, a subsidiary of HDFC Bank, offers a comprehensive range of general insurance products, including motor, health, travel, home, and personal accident insurance for individuals, as well as property, marine, and liability coverage for businesses. HDFC ERGO Health Insurance is committed to providing financial protection during medical emergencies, offering a wide range of health insurance plans. With a focus on seamless claims settlement, the company settles a claim every minute*, ensuring prompt and reliable service. Trusted by over 1.6 crore customers, HDFC ERGO’s plans include benefits like cashless hospitalization, outpatient department (OPD) coverage, daily cash allowances, and diagnostic cost coverage. The my:Optima Secure plan offers enhanced coverage at no extra cost.
About the Company
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