HDFC ERGO
Optima Secure
Comprehensive Health Insurance Plan
Coverage
Up to ₹2 Crore
Starting Premium
₹8,499/year
Rating
4.5
Key Features
2x Sum Insured from Day 1
Get double the coverage amount from the very first day of your policy.
No Room Rent Cap
Stay in any room of your choice without worrying about room rent limits.
Unlimited Restoration
Your sum insured gets restored unlimited times within the policy year.
Worldwide Emergency Cover
Covered for 30 days of emergency medical treatment anywhere in the world.
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization covered.
No Claim Bonus up to 100%
Increase your coverage by up to 100% for every claim-free year.
What's Covered
Inclusions
- ✓In-patient hospitalization expenses
- ✓Day care procedures (over 1,000+)
- ✓Pre & post hospitalization expenses
- ✓Domiciliary hospitalization
- ✓AYUSH treatment
- ✓Road ambulance charges
- ✓Organ donor expenses
- ✓Health check-ups
- ✓Modern treatments (robotic surgery, stem cell therapy)
- ✓Mental illness treatment
Exclusions
- ✗Pre-existing diseases (3-year waiting period)
- ✗Specific diseases (2-year waiting period)
- ✗Cosmetic or plastic surgery (unless medically necessary)
- ✗Self-inflicted injuries
- ✗War or nuclear risks
- ✗Congenital diseases
- ✗Dental treatment (unless due to accident)
- ✗Non-allopathic treatment (except AYUSH)
Network & Support
16,000+
Network Hospitals
Instant
E-Policy Issuance
Tax Benefits
Under Section 80D
Eligibility Criteria
Age Limits
- Adults: 18 - 65 years (entry age)
- Children: 91 days - 25 years
- Renewal: Lifelong
Policy Options
- Individual, Family Floater, Multi-Individual
- Sum Insured: ₹3 Lakh to ₹2 Crore
- Policy Term: 1, 2, or 3 years
Based on 22,662+ customer reviews
FIRDOUSE BEGUM
Telangana • Nov 23, 2022
I am very happy with HDFC ERGO health insurance. Optima Secure is a really good product from HDFC ERGO. This is my 2nd claim where I got 100% claim. I personally will recommend it to others. Thank you.
Nelson
Gujarat • Jun 10, 2022
Thanks for calling me. The Advisor was very articulate and systematic about various products of HDFC Ergo Health Insurance. It was great talking to him.
A V Rammurty
Mumbai • May 26, 2022
Good coverage with excellent features like no room rent cap. However, the Secure Benefit (2x) complexity and the 30-day waiting for PED was unclear initially. Customer service helped clarify it well.
Aravinth Manoharan
Bangalore • Mar 22, 2022
Appreciated the detailed explanation of Optima Secure features. Instant restoration is a huge plus! Minor delay in claim settlement but overall satisfied with the plan.
Customer reviews are verified by HDFC ERGO
Ready to Get Protected?
Get a personalized quote for HDFC ERGO Optima Secure in under 2 minutes.