HDFC ERGO Optima Secure Global Insurance Plan: Global Coverage
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HDFC ERGO Optima Secure Global Plan

The plan offers a substantial sum insured of INR 1 Crore to 2 Crores, ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

The plan offers a substantial sum insured of INR 1 Crore to 2 Crores, providing vital and extended coverage within or outside India, covering you without boundaries.

Why Do We Recommend This?
  • 51 critical illnesses cover
  • Aggregate deductible available
  • Avail domiciliary hospitalization

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 - 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Pre and post-hospitalisation
  • Organ donor expenses
  • AYUSH treatment

Cons

  • Modern treatment
  • Vaccination unavailable
  • Maternity and newborn baby cover
  • Cataract cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Covered
  • Global coverage Covered

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 to 65 years
  • Sum insured: 1 to 2 Crore
  • Initial Waiting Period: 30 Days
  • Policy Term: 1/2/3 Years

Frequently Asked Questions

The 8 most-asked questions about HDFC ERGO Optima Secure Global Plan, answered.

You can claim your policy online from the official website of HDFC ERGO General Insurance and then select the required policy, and follow the steps as mentioned on their official website. You can also claim the policy by reaching out to customer care of PolicyX.
Yes. This policy is suitable for either an individual or a family.
HDFC ERGO Optima Secure health insurance plan can cover 6 adults and 6 children under a single family policy.
This policy can be bought for children aged from 91 days to 25 years and an adult aged from 18 years to 65 years.
The HDFC ERGO Optima Secure with global coverage covers hospitalisation expenses, organ donor expenses, AYUSH treatment, emergency air ambulance, e-opinion for critical illnesses, etc even outside India.
Yes, you can buy add-on covers for critical illness, unlimited restoration, individual personal accidents, hospital cash benefits, and more.
No, there won’t be separate charges or limits for global coverage. The whole value of the sum insured will be common for treatments opted within India or globally.
All the claims (up to the sum insured) made against the treatment accessed outside India shall be entertained on a reimbursement claim basis. The cashless claim facility will depend on your additional coverage benefits under the Plus variant.

Conclusion

A women-focused plan covering major illnesses and surgeries with added lifestyle benefits.

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 4 Nov 2024

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