HDFC ERGO Optima Secure Health Insurance Plan in 2026
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HDFC ERGO Optima Secure Plan

Comprehensive health insurance offers 4x cover with no extra cost and ...Read More

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

About HDFC ERGO Optima Secure Plan

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

The HDFC ERGO Optima Secure Plan is designed to provide policyholders with improved financial protection against increased healthcare costs. The policy offers up to 4x the sum insured at no additional cost.

It provides comprehensive coverage for individuals and families, covering hospitalization costs, pre and post-hospitalization costs, and daycare treatment, among other things. HDFC ERGO Health Insurance also offers flexible premium payment options.

Under the standard policy inclusions, long-term protection, and coverage, the HDFC ERGO Optima Secure Plan is valuable for individuals seeking a reliable and cost-effective health insurance policy.

Plan at a glance

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

Entry age
18 years to No Maximum Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 Cr, ₹2 Cr
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

  • Hospital Cash Benefit
  • No Cost Instalment Option
  • Restore Benefit
  • Unlimited Restore

Cons

  • Maternity cover NA
  • Newborn care unavailable
  • OPD cover unavailable

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 Covered

Bonuses & restoration

  • No-claim bonus 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 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 Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC ERGO OPTIMA SECURE PLAN

HDFC ERGO OPTIMA SECURE PLAN

HDFC ERGO Optima Secure Health Plan 2024

HDFC ERGO Optima Secure Health Plan 2024

Key Features Of HDFC Ergo Optima Secure

The key features associated with HDFC Ergo Optima Secure are as follows:

  • Secure Benefits

    The Secure Benefit automatically doubles your base sum insured (2X) from day one, without you needing to file any claim.

  • Plus Benefits

    With this cover, you can get a 100% instant increase in the base cover on your first policy renewal. The Plus Benefit adds an additional 100% of your base sum insured every year, helping your cover grow annually.

  • Restore Benefit

    The Restore Benefit reinstates up to 100% of your base sum insured once in a policy year, after complete exhaustion of your cover.

  • No Cost Instalment Option

    With this cover, you can get easy processing with installment premium payments that are applicable with monthly, quarterly, half-yearly, and yearly payments (without additional charges).

  • My:Health Hospital Cash Benefit

    It’s an add-on cover with this policy where you can avail of a daily cash benefit while hospitalization for items such as personal expenses, food, loss of pay, transportation, etc.

Benefits of Buying HDFC ERGO Health Insurance Optima Secure

Here are some of the standard benefits of the HDFC ERGO Optima Secure plan that you should know before investing in it:

Protect Benefit

Procedure charges, cost of disposables, and cost of consumables covered

Aggregate Deductible Discounts

Avail 25 to 60% off and on the 5th year of the policy, the deductible will be waived.

More Savings

Get many discounts such as family, long-term, and online.

So Many Options

You can extend the policy tenure, sum insured limit, family inclusion numbers, etc., as needed.

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

  • Permanent diseases or health conditions that are not included under HDFC Ergo Optima Secure Plan are:
  • Treatment arising out of war, war-like situations, nuclear, chemical or biological events.
  • Treatment outside the scope of the policy’s covered benefits as defined in the prospectus.
  • Treatment for HIV, AIDS and related illnesses.
  • Intentional self-injury or attempted suicide.
  • Maternity expenses including pregnancy, childbirth, miscarriage, abortion and related complications.
  • Infertility, sterility and assisted reproductive treatments such as IVF.
  • Congenital anomalies (internal or external).
  • Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
  • Specified ailments and treatments are covered after a 24-month waiting period.
  • Pre-existing diseases are covered after a 36-month waiting period, provided the insured has continuous coverage.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 18 years to no max limit
  • SI: 5 Lakhs to 2 Crore
  • Policy term: 1/2/3 years
  • Initial waiting period: 30 days

Other features & benefits

  • Aggregate deductible discounts
  • Disposables & consumables cover
  • Worldwide cover

HDFC ERGO Optima Secure Plan: FAQs

The 12 most-asked questions about HDFC ERGO Optima Secure Plan, answered.

HDFC Ergo Optima Secure health plan is available for: 18 years to no maximum age limit for adults 91 days to 25 years maximum entry age for dependent children
HDFC Ergo Optima Secure plan offers you a wide range of sum insured options like 5 L, 10 L, 15 L, 20 L, 25 L, 50 L, 1 and 2 Crore.
Yes, COVID-19 expenses are covered under the HDFC Ergo Optima Secure plan.
In a family floater policy, a maximum of 4 adults and a maximum of 6 dependent children can be included in a single policy. The relationships that can be covered are spouses, dependent children, parents, and parents-in-law.
Yes, organ donor expenses related to organ transportation or preservation and organ donor’s pre-and post-hospitalisation expenses are all covered.
Yes, policyholders can avail of the benefit of no-cost installment. This feature is available to one-year policyholders.
When an individual purchases HDFC Ergo Optima Secure the base cover gets doubled instantly upon purchase, without having the need to claim it. If any individual purchases the policy with a sum insured of INR 10 lakh the secure benefit allows the sum insured to double up to INR 20 lakh immediately which can then be used for any number of admissible claims.
When an individual purchases HDFC Ergo Optima Secure they can avail of the plus benefit that offers a 50% increase on 1st policy renewal after 1 year and a 100% increase after 2 years.
Yes, HDFC Ergo Optima Secure covers medical expenses incurred by policyholders on home hospitalization, if advised by the Doctor on a cashless basis.
Yes, policyholders are covered for COVID-19 under HDFC Ergo Optima Secure.
The plan has a 30-day initial waiting period, specific disease waiting periods, and a waiting period for pre-existing conditions as defined in the policy.
Optima Secure excludes cosmetic treatments, experimental procedures, non-medical expenses, self-inflicted injuries, and conditions during applicable waiting periods.

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: 5 Jul 2024 · Originally published: 4 Nov 2024

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