HDFC ERGO My Optima Secure
HDFC ERGO
10.0/10
OneAssure Rating
10.0/10
OneAssure Rating
Highlighted Features
Room rent and ICU limit
There is no limit on room rent, meaning policyholders can choose any hospital room, including ICU, without incurring additional out-of-pocket expenses. This ensures complete financial protection during hospitalization, providing flexibility and peace of mind.
Day Care Treatments
The HDFC Ergo My Optima Secure plan covers a wide range of daycare treatments, which are medical procedures that require hospitalization for less than 24 hours due to advanced medical technology.
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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 13,000 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 (Normal & ICU)
Normal: Single A/C private room
ICU: no limit, expenses incurred will be covered by the insurance
Advanced Treatments
Robotic surgeries for precise, minimally invasive procedures.
Bariatric surgery for obesity management (as per policy terms).
Modern cancer treatments like immunotherapy and targeted therapy.
Stem cell therapy (for approved conditions).
Proton beam therapy for advanced cancer care.
Advanced cardiac procedures including transplants and minimally invasive heart surgeries.
Co-payment
HDFC Optima Secure does not have a co-payment clause, meaning the insured does not need to bear any percentage of the claim amount, even if treated in higher-zone cities.
Waiting Periods
Initial Waiting Period: 30 days from the policy's inception, applicable to all illnesses except those resulting from accidents.
Specific Diseases and Treatments: 24 months for certain listed illnesses and surgical procedures.
Pre-existing Diseases: 36 months before coverage begins for any pre-existing conditions declared at the time of policy purchase.
Cashless Healthcare Providers
16000+ network hospitals
Day Care Treatments
All day care treatments available. Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.
AYUSH Treatment
Covered by the policy.
Exclusions
Pre-existing diseases are covered after a waiting period of up to 36 months.
No coverage for injuries or illnesses caused by self-harm or substance abuse.
Cosmetic and aesthetic treatments, including plastic surgery, unless medically necessary.
Treatment related to fertility, childbirth, or pregnancy complications.
Expenses for alternative treatments unless covered under specific plans.
Exclusions
my: Health Critical Illness Add-On - 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 Add-On - 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 Add-On - Allows unlimited restoration of the base sum insured during a policy year upon complete or partial utilization.
Optima Wellbeing Add-On - Covers expenses for various outpatient benefits, including unlimited teleconsultations, in-person doctor consultations, psychological counseling, diet, etc..
Add-ons
Looking for a Specific Hospital ?
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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