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

About HDFC ERGO Optima Secure Global Plan

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

HDFC ERGO Optima Secure Global plan is known for its vital and extended coverage within or outside India, covering you without boundaries. It is a subsidiary of the HDFC ERGO Optima Secure health plan that comes with two variants: Optima Secure Global and Optima Secure Global Plus. We will discuss the first variant of this plan type, i.e., HDFC ERGO Optima Secure Global Health Insurance for both family floater and individual basis.

The plan offers a substantial sum insured of INR 1 Crore to 2 Crores, providing coverage for hospitalization expenses, pre and post-hospitalization, organ donor expenses, AYUSH treatment, emergency ambulance, air ambulance, e-opinion for listed 51 critical illnesses, and much more. This is just the beginning of the plan benefits! It offers you all the mentioned coverage benefits and medical expenses incurred within India or outside India without additional or separate charges. Given that, the treatment cost incurred shall not exceed the base sum insured of your policy (unless it is the Plus variant) related to your treatment in India and overseas.

Also, there is an availability of aggregate deductible if the treatment takes place in India, but not overseas/at a global level.

Being a policyholder, you are entitled to buy different add-on covers based on your requirements that will allow you to further complement far-reaching coverage benefits. The available add-on covers under this plan are as follows:

  1. My:Health Critical Illness (Add On)

    Get exclusive coverage for listed 51 critical illnesses with a sum insured of INR 10 Lakhs to up to INR 2 Crores (in multiples of INR 1 Lakh).

  2. My:Health Hospital Cash Benefit (Add On)

    Get an additional sum insured benefit of INR 500 to up to INR 10,000 that will cover your budget hospital expenses.

  3. Individual Personal Accident Rider

    The plan provides you with the benefit of a lump sum payout in case of accidental death, permanent partial disability, and permanent total disability. The amount of payout can go up to a sum insured value multiplied by 5 times up to a maximum of INR 1 crore.

  4. Unlimited Restore (Add-on)

    The plan offers unlimited restoration benefits during the active policy year (supposedly, the base sum insured cover increases by 50% on every renewal).

    Apart from this, there is an extra add-on cover named Overseas Travel Secure that is available as an optional cover with this Global plan. This optional cover ensures the insured individual’s travel expenses, along with the accommodation expenses of an accompanying person (if any), in case the policyholder has to travel overseas for treatment. If the policyholder chooses an aggregate deductible option, there will be the benefit of a discount ranging from INR 25,000 to INR 5 Lakhs (available in India only).

    Last but not least, here’s something wonderful that will create a jaw-dropping expression on your face!

    The HDFC ERGO Optima Secure Global Health Insurance plan comes with a 4-level sum insured restoration benefit that goes like this:

So Much Coverage

Health Cover SI

Suppose you select a sum insured of INR 1 Crore, the base SI will cover your medical expenses as it is issued to you.

Secure Benefit

As soon as you have access to the policy, it will be doubled to INR 2 Crores for extending the coverage benefits of your policy, without paying any extra cost. But, this benefit is only available in India not overseas.

Plus Benefit

The value of the sum insured is increased by 100% which is specified as; on the first renewal of the policy after completing 1 policy year, the SI increases by 50%, and on the second renewal of the policy after 2 policy years, the SI increases by 100%.

Restoration Benefit

On raising a claim during any policy year over the base sum insured of INR 1 crore, the SI will be restored automatically for making any subsequent claim during the same tenure.

Note: The policyholder needs to pay INR 10,000 as a deductible for every claim made outside India, i.e., a claim raised against overseas treatment, except e-opinion for critical illnesses.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Benefits of HDFC ERGO Optima Secure Global Insurance

Read here the notable benefits under the HDFC ERGO Optima Secure Global Health Insurance for family or an individual:

  1. Protect Benefit

    In a situation of hospitalisation, there will be no deductions on non-medical expenses (adding up to 10 - 20% of the incurred medical bills) that are listed in the policy schedule such as gloves, masks, and much more without adding any extra charges.

  2. Aggregate Deductible Available

    There are options to choose your deductible amount to avail of a discount of up to 56% on the premiums. The value of aggregate deductible discounts is as follows:

    Deductible Amount (in INR) Discount (%)
    25,000 14%
    50,000 27%
    1,00,000 36%
    2,00,000 41%
    3,00,000 50%
    5,00,000 56%

    *If the policyholder has opted for a deductible of INR 5 Lakhs, then only they will get the preventive health check-up coverage. The aggregate deductible option is valid only within India. This can be waived off after completing 5 years of the policy period.

  3. Supported savings

    The policyholder gets additional benefits of savings in the form of discounts, the specifications of which are listed below:

    • Online discount: Get a 5% discount on online policy buying from the company’s official website
    • Family discount: Get a 10% discount on premiums if you add 2 or more members under one policy cover.
    • Long-term discount: If you pay your 2-year policy premiums in advance, you get a 7.5% discount. On paying 3-year policy premiums in advance, avail a 10% discount on it.
    • Loyalty discount: If you’re a loyal customer of HDFC ERGO General Insurance under which you’re paying a premium of up to INR 2,000 or more, you get a 2.5% discount on the premiums of this policy.

  4. Tax Benefit

    You can avail of a tax exemption benefit under the HDFC ERGO’s Optima Secure Global health plan tax benefits under Section 80D of the Income Tax Act, 1961.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • The HDFC ERGO Optima Secure Global family/individual insurance policy is a comprehensive plan for all but comes with standard exclusions. Read here what is not covered under the plan:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization

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

Other features & benefits

  • E-opinion for 51 critical illnesses
  • Add-on covers
  • Overseas travel secure

HDFC ERGO Optima Secure Global Plan: FAQs

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: 14 Mar 2024 · Originally published: 4 Nov 2024

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