Introduction
HDFC ERGO Optima Secure is a health insurance plan designed to give families and individuals peace of mind with 4X coverage at no extra cost. Built on the trust of over 1.6 crore customers, this plan offers a unique mix of benefits that go far beyond traditional health insurance. With features like Secure Benefit, Plus Benefit, Restore Benefit, and Protect Benefit, Optima Secure ensures that you never run out of coverage when you need it most.
What’s New in HDFC ERGO Optima Secure
HDFC ERGO has introduced additional riders in Optima Secure to make health insurance more inclusive and future-ready. These add-ons extend protection for chronic conditions, maternity, and even unlimited coverage in critical situations. Here’s a closer look at what’s new:
Limitless Benefit
For those who want complete peace of mind, the Limitless Benefit rider offers unlimited indemnity coverage during the lifetime of the policy.
- If your base sum insured is between ₹10 lakh and ₹50 lakh, you get one unlimited claim in your lifetime.
- If your base sum insured is ₹50 lakh or above, you are eligible for two unlimited claims in your lifetime.
- Once opted, this rider cannot be removed and continues automatically with every renewal, ensuring lifetime protection.
ABCD Chronic Care Rider
Chronic illnesses are increasingly common, and the ABCD Rider is designed to cover four high-risk conditions from Day 31 of the policy: Asthma, Blood Pressure, Cholesterol, and Diabetes.
Example: If a customer is hospitalised due to diabetes, the claim is accepted immediately (after Day 31) without waiting for the usual 3-year pre-existing disease period. However, if the hospitalisation is due to an illness outside this list (say epilepsy), the standard waiting period applies.
Maternity Benefit Rider
The Maternity Rider supports young families with financial cover for pregnancy and related treatments. It comes with a 24-month waiting period and provides a sum assured between ₹50,000 and ₹2 lakh. Key inclusions are:
- Maternity expenses (up to 2 deliveries/terminations).
- Pre-natal & Post-natal care.
- In-Vitro Fertilisation (IVF) for the first two cycles.
- Embryo freezing and storage expenses.
Key Features of HDFC ERGO Optima Secure
How HDFC ERGO Optima Secure Works (Example)
Mr. Sharma, a 35-year-old businessman from Delhi, opts for a ₹10 lakh base cover for his family. With the Secure Benefit, his cover doubles to ₹20 lakh instantly. If he makes a claim, the Restore Benefit replenishes his sum insured, taking his cover up to ₹40 lakh. In the second year, the Plus Benefit increases his base cover to ₹15 lakh and in the third year to ₹20 lakh, further boosting his total protection. Even consumable expenses during hospitalisation are paid under the Protect Benefit, giving him complete peace of mind. Thus, what starts as a ₹10 lakh cover can effectively provide ₹40 lakh protection in just two years.
Coverage Options
Plan Types
Individual Plan or Family Floater for up to 6 adults and 6 children.
Sum Insured
Choose from ₹10 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, or even ₹2 crore.
Tenure
1, 2, or 3 years, with discounts for multi-year policies.
Premium Discounts
Save up to 65% by choosing higher deductibles or opting for voluntary co-payment.
Why Choose HDFC ERGO Optima Secure?
- 4X coverage benefits at no extra cost.
- Choice of high sum insured up to ₹2 crore.
- Lifelong renewal guarantee.
- No claim-based loading on renewal.
- No co-payment based on city of treatment.
- 24x7 customer support available in 10 languages.
- Trusted by more than 1.6 crore customers across India.
Frequently Asked Questions
Disclaimer: This information is not a contract of insurance. Please refer to the official Policy wording document for precise terms and conditions. All benefits are subject to policy terms and underwriting. *Terms and Conditions Apply.