*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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HDFC ERGO Optima Secure is a comprehensive medical policy that comes with a variety of unique benefits, such as Secure benefit, Value Buy benefit, Protect benefit and Plus benefit. It provides coverage for medical expenses incurred within India and comes with an optional global health cover. The plan also comes with preventive health check-ups and automatic restoration benefits.
|Sum Insured||Rs 5 lakh to Rs 2 crore|
|Policy Tenure||1 year, 2 years, 3 years|
|Plan Types||Suraksha, Secure, Super Secure, Global, Global Plus|
|Incurred Claim Ratio (2021-22)||97.47%|
|Pre-Policy Medical Check-ups||May be required|
|Pre-existing Disease Waiting Period||3 years|
|Specific Disease Waiting Period||2 years|
|Initial Waiting Period||30 days|
|Discounts||2.5% loyalty discount
5% online discount
10% family discount
Up to 10% long-term discount
40% NRI discount
Check out the benefits of buying an HDFC ERGO Optima Secure plan:
This unique benefit doubles the policy coverage amount allowing policyholders to get 2x coverage for all claims from day 1.
Policyholders can reduce their premiums by up to 50% by opting for a voluntary aggregate deductible of up to Rs 1 lakh per year. They can also waive or reduce their deductible amount after 5 continuous renewals.
This HDFC ERGO health insurance policy not only pays for medical expenses incurred during hospitalization but also for non-medical expenses, such as syringes, cotton, gloves, mask, etc., with the Protect benefit.
Policyholders can increase their sum insured by 50% on every claim-free year with the Plus benefit.
With this benefit, the sum insured of the policy is restored automatically upon partial or complete exhaustion due to claims.
The HDFC ERGO General Insurance Company allows the insured to avail preventive health check-up facilities every year.
A cumulative bonus of 10% for up to 100% is granted to the policyholder every time no claims are raised in the previous policy year.
Policyholders can claim tax deductions on the premium paid to buy an HDFC ERGO Optima Secure policy as per Income Tax Act, Sec 80D.
Given below are the eligibility criteria for buying an HDFC ERGO Optima Secure plan:
|Minimum Entry Age||Adult – 18 years
Child – 91 days
|Maximum Entry Age||Adult – 65 years
Child – 25 years
|Coverage Type||Individual/ Family floater|
The HDFC ERGO Optima Secure plan includes the following coverage:
The following medical expenses are excluded under the HDFC ERGO Optima Secure plan:
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