How does the waiting period affect my coverage?

The HDFC Ergo My Optima Secure plan has a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing conditions.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, the plan offers a No Claim Bonus, increasing the sum insured annually, enhancing future medical coverage.

Does the HDFC Ergo My Optima Secure plan cover treatment abroad?

The plan primarily covers treatments within India; some variants or add-ons may provide limited emergency medical coverage abroad.

Are pre-existing diseases covered in this plan?

Yes, after a waiting period of 3 years.

Does the plan include alternative treatments like AYUSH?

Yes, the plan includes AYUSH and other alternative treatments.

OneAssure

Health Insurance

HDFC ERGO

Optima Secure

HDFC ERGO Optima Secure

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

10

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

98

Claim Settlement Ratio

16000

Network Hospitals

10

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: HDFC ERGO Optima Secure

Final 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 three times the sum insured within three years of continuous coverage.

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...

About

About HDFC ERGO Optima Secure

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.

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...

Optima Secure Ratings

Ratings: HDFC ERGO Optima Secure

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 and Exclusions

Inclusions and Exclusions of HDFC ERGO Optima Secure

Coverage Options

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

98%

Room Rent

All room categories are covered

Modern Treatment

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

Co-payment

Not available

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

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

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

Annual Health Checkup

Health check-up is available after the first policy year

Cashless Healthcare Providers

16000+ Healthcare Providers

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

Maternity Cover

No. However, available as an add-on

Coverage Options

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Claim Settlement Ratio

98%

Room Rent

All room categories are covered

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.

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,...

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.