HDFC ERGO Optima Secure Plan

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      HDFC ERGO Optima Secure Plan

      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.

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      HDFC ERGO Optima Secure Plan: Key Highlights

      Categories Specifications
      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

      Benefits of HDFC ERGO Optima Secure Plan

      Check out the benefits of buying an HDFC ERGO Optima Secure plan:

      1. 2x Coverage

        This unique benefit doubles the policy coverage amount allowing policyholders to get 2x coverage for all claims from day 1.

      2. Value Buy

        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.

      3. Coverage for Non-Medical Expenses

        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.

      4. Plus Benefit

        Policyholders can increase their sum insured by 50% on every claim-free year with the Plus benefit.

      5. Automatic Restoration Benefit

        With this benefit, the sum insured of the policy is restored automatically upon partial or complete exhaustion due to claims.

      6. Preventive Health Check-ups

        The HDFC ERGO General Insurance Company allows the insured to avail preventive health check-up facilities every year.

      7. Cumulative Bonus

        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.

      8. Tax Benefits

        Policyholders can claim tax deductions on the premium paid to buy an HDFC ERGO Optima Secure policy as per Income Tax Act, Sec 80D.

      HDFC ERGO Optima Secure Plan Eligibility Criteria

      Given below are the eligibility criteria for buying an HDFC ERGO Optima Secure plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 91 days
      Maximum Entry Age Adult – 65 years
      Child – 25 years
      Coverage Type Individual/ Family floater
      Renewability Lifelong

      Inclusions of HDFC ERGO Optima Secure Plan

      The HDFC ERGO Optima Secure plan includes the following coverage:

      • Hospitalization Expenses - It covers the medical expenses incurred on at least 24 hours of hospitalization.
      • Road Ambulance Expenses – It pays for the cost of availing road ambulance services during a medical emergency or for transporting the insured from one hospital to another.
      • Day Care Treatments – It covers the medical expenses incurred on day care treatments that require less than 24 hours of hospitalization.
      • Home Healthcare – It pays for the cost of availing medical treatment at home on the treating doctor’s recommendation.
      • AYUSH Treatment – It covers in-patient hospitalization expenses incurred on availing treatments through Ayurveda, yoga, naturopathy, Siddha, Unani and homeopathy.
      • Domiciliary Hospitalization – It pays for the cost of availing hospitalization care at home in case hospital admission is not possible due to the severity of the medical condition or the unavailability of beds.
      • Pre-hospitalization Expenses – It covers the medical expenses incurred on diagnostic tests and consultations up to 60 days before hospitalization.
      • Post-hospitalization Expenses – It pays for follow-up consultations and medicines taken up to 180 days after hospital discharge.
      • Organ Donor Expenses – It covers the cost of harvesting the donated organ for the transplant surgery of the insured.

      Optional Covers:

      • Emergency Air Ambulance – It covers the cost of availing ambulance transportation through a helicopter or aeroplane during a medical emergency.
      • Daily Cash for Choosing Shared Room – It pays a daily cash amount to the insured for choosing to stay in a shared room during hospitalization of at least 48 hours.
      • Protect Benefit – It covers non-medical expenses incurred during hospitalization, such as masks, syringes, needles, cotton, etc.
      • Plus Benefit – It increases the base sum insured of the policy by 50% for up to 100% for every claim-free year.
      • Secure Benefit – It pays an additional amount to the policyholder to pay for all claims along with the base sum insured.
      • Automatic Restore Benefit – It replenishes the base sum insured automatically in case of partial or complete utilization due to claims.
      • Aggregate Deductible – It allows the policyholder to opt for a voluntary deductible payable on all claims and reduce the premium by up to 50%.
      • Waiver of Aggregate Deductible – It provides the policyholder an option to reduce or waive off the applicable deductible after 5 continuous renewals.
      • E-Opinion for Critical Illness – It pays for the cost of availing a second medical opinion for a critical illness.
      • Global Health Cover (Emergency Treatments Only) – It covers the emergency medical expenses incurred outside India, such as hospitalization expenses, e-opinion for a critical illness, organ donor expenses, etc.
      • Global Health Cover (Emergency & Planned Treatments) – It pays for the expenses incurred on planned and emergency medical treatments outside India.
      • Overseas Travel Secure – It covers the medical costs incurred on overseas travel, and accommodation availed for medical treatments abroad.

      Exclusions of HDFC ERGO Optima Secure Plan

      The following medical expenses are excluded under the HDFC ERGO Optima Secure plan:

      • Obesity control treatment
      • Maternity expenses
      • Treatment for alcoholism, drug or substance abuse
      • Treatment for injuries due to hazardous sports
      • Sterility and infertility treatment
      • Cosmetic surgery
      • Treatments for investigation and evaluation
      • Unproven treatment

      You may also like to read - HDFC ERGO Optima Restore Plan


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