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 three 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
Claim Settlement Ratio
95%
Coverage Options
Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr
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
Cashless Healthcare Providers
15000+ Healthcare Providers
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
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
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
Limitless - The Limitless Add-on allows you to claim for treatments in India without any limit on the amount, but only for a fixed number of times during your policy.
My Health Hospital cash benefit - Your insurance might not pay for everything when you're in the hospital. A "daily hospital money" add-on can give you some cash for each day you stay in the hospital after the first day.
ABCD Chronic Care - The ABCD add-on covers hospital costs for chronic conditions like asthma, blood pressure, cholesterol, and diabetes after a short 30-day wait.
Optima Wellbeing - Optima Wellbeing Add-on pays for healthcare services you receive without being hospitalized.
Unlimited Restore - For ultimate security, choose the Unlimited Restore Benefit: it automatically restores your entire coverage for any future claims within the policy year, without limit.
Parenthood - The Parenthood add-on covers embryo freezing, IVF, prenatal/postnatal care, and maternity expenses for up to two live births or terminations (or one of each).
Aggregate Deductible Discount - An aggregate deductible is the total amount you pay out-of-pocket before your policy starts covering claims within a year. Paying this can lower your premium.
Add-ons
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 India.
About the Company
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Still Confused ?
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.
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.
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