HDFC ERGO Optima Secure Plan

HDFC ERGO Optima Secure Plan - BimaBandhu

In the ever-evolving landscape of healthcare, having a comprehensive health insurance plan is imperative for individuals and families alike. As health uncertainties continue to pose challenges, being well-informed about insurance options becomes pivotal. 

In this light, the HDFC ERGO Optima Secure Plan comes up as a noteworthy solution. At the core of this plan lies a range of unique benefits, each tailored to enhance the overall coverage and provide a sense of security. This comprehensive medical insurance policy extends its coverage to expenses incurred within the borders of India, catering to the specific healthcare landscape of the country. Notably, it also goes beyond geographical boundaries by offering an optional global health cover.

In the guide, we will delve into the details of the HDFC ERGO Optima Secure Plan.

HDFC ERGO Optima Secure Plan: Key Highlights

  • Sum Insured: Rs 5 lakh to Rs 2 crore
  • Policy Tenure: Options available for 1 year, 2 years, and 3 years
  • Plan Types: Suraksha, Secure, Super Secure, Global, Global Plus
  • Pre-Policy Medical Check-ups: May be required
  • Pre-existing Disease Waiting Period: 3 years
  • Initial Waiting Period: 30 days 
  • Specific Disease Waiting Period: 2 years 

Also Read: All About HDFC ERGO Health Insurance

Benefits of HDFC ERGO Optima Secure Plan

1. 2x Coverage

It provides a unique benefit to policyholders with 2x coverage from day 1, enhancing the financial protection offered by the policy.

2. Value Buy

It gives an opportunity to reduce premiums by up to 50% by choosing a voluntary deductible of up to Rs 1 lakh in a year. You can also waive or reduce the deductible amount after 5 continuous renewals, ensuring long-term cost-effectiveness

3. Coverage for Non-Medical Expenses

Beyond medical expenses, the Protect benefit also covers non-medical expenses such as syringes, gloves, etc.

4. Sum Insured Increase 

It allows policyholders to boost their sum insured by 50% with each claim-free year, promoting a healthier lifestyle and rewarding responsible health management.

5. Automatic Restoration Benefit

The plan ensures automatic restoration of the sum insured upon partial or complete exhaustion due to claims, providing uninterrupted coverage.

6. Preventive Health Check-ups

HDFC ERGO Optima Secure Plan provides access to annual preventive health check-ups, reinforcing the plan’s commitment to proactive healthcare.

7. Cumulative Bonus

You can avail a cumulative bonus of 10%, accumulating up to 100%, as a reward for claim-free years, further enhancing the overall value of the policy.

8. Tax Benefits

Policyholders can avail tax deductions under Income Tax Act, Sec 80D, on the premium paid for the HDFC ERGO Optima Secure policy, making it a financially prudent choice.

Inclusions of HDFC ERGO Optima Secure Plan

  • Coverage for medical expenses incurred during at least 24 hours of hospitalization
  • Coverage for road ambulance services during a medical emergency or for inter-hospital transportation
  • Coverage of medical expenses for treatments requiring less than 24 hours of hospitalization
  • Medical treatment at home based on the treating doctor’s recommendation
  • AYUSH treatment coverage
  • In-patient hospitalization expenses
  • Coverage for hospitalization care at home when admission isn’t possible due to medical severity or bed unavailability
  • Pre- and post-hospitalization expenses, up to 60 days before hospitalization and up to 180 days after hospital discharge
  • Organ donor expenses for the insured’s transplant surgery.
  • Daily cash for choosing a shared room during hospitalization of at least 48 hours.
  • Coverage for e-opinion related to critical illness
  • Global Health Cover (Emergency & Planned Treatments), and more

Exclusions of HDFC ERGO Optima Secure Plan

  • Expenses related to obesity control treatments are not covered by the policy
  • Maternity-related expenses, including childbirth and related medical care
  • Medical expenses incurred for the treatment of alcoholism, drug, or substance abuse 
  • Injuries resulting from participation in hazardous sports 
  • Expenses related to sterility and infertility treatments 
  • Cosmetic surgery undertaken for aesthetic purposes
  • Medical expenses associated with treatments solely for investigation and evaluation purposes 
  • Expenses incurred on treatments that are unproven or experimental in nature 

Recommended Read: All About HDFC ERGO my:Health Koti Suraksha Insurance Plan

HDFC ERGO Optima Secure Plan Eligibility Criteria

To purchase the HDFC ERGO Optima Secure plan, it is essential to meet the specified eligibility criteria. Here are the key parameters and corresponding eligibility criteria:

  • Minimum Entry Age: 18 years for adults, 91 days for children
  • Maximum Entry Age: 65 years for adults, 25 years for children
  • Coverage Type: Individuals or Family Floater 
  • Renewability: Lifelong 

By adhering to these eligibility criteria, prospective policyholders can make informed decisions, ensuring that the HDFC ERGO Optima Secure plan aligns seamlessly with their age and coverage preferences.


Is HDFC ERGO Optima Secure considered a recommended insurance plan?

The plan is a good choice for individuals seeking comprehensive coverage with a range of benefits. Notable features include the Plus benefit, Protect benefit, Value Buy benefit, and automatic restore benefit.

Does HDFC ERGO Optima Secure offer cashless hospitalization?

The HDFC ERGO Optima Secure plan provides the convenience of cashless hospitalization at an extensive network of over 13,000 hospitals throughout India. This feature enhances accessibility and ensures a seamless healthcare experience for policyholders.

Is there a room rent limit for HDFC ERGO Optima Secure?

No, there is no room rent limit associated with the HDFC ERGO Optima Secure plan. The coverage extends to the actual hospital room costs incurred.

What distinguishes HDFC ERGO Optima Secure from Optima Restore?

The difference lies in their unique features. HDFC ERGO Optima Secure presents comprehensive coverage, allowing policyholders to multiply their coverage amount by 4x in 2 years through the Secure benefit and Plus benefit. Conversely, HDFC ERGO Optima Restore doubles the coverage amount with the Multiplier benefit in 2 years.

While Optima Secure provides the flexibility to reduce premiums by opting for an aggregate deductible, Optima Restore offers the option to decrease renewal premiums through the Stay Active benefit. 

Is the aggregate deductible applicable to the global health cover under HDFC ERGO Optima Secure?

No, the aggregate deductible does not extend to the global health cover within the HDFC ERGO Optima Secure policy (mandatory deductible of Rs 10,000 applies). This distinction ensures clarity regarding the policy’s terms and conditions.

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