HDFC ERGO Optima Secure Health Plan
HDFC ERGO Optima Secure is a high-value health insurance plan that gives you up to 4X coverage at the same premium. It instantly doubles your sum insured from Day 1, and adds another 100% every year through its Plus Benefit, even without a claim. The plan also adjusts your coverage for medical inflation, restores your sum insured when needed, and provides access to a wide cashless hospital network. Overall, it’s designed for individuals and families who want maximum protection with minimum out-of-pocket expenses.
Key Features of HDFC ERGO Optima Secure Health Plan
🔹  Secure Benefit – 2× Coverage from Day One
Your base sum insured is instantly doubled at no extra premium—giving you twice the protection right from day one.
🔹. Plus Benefit – Growing Coverage Over Renewals
Enjoy a 50% increase in your base coverage after the first renewal and a full 100% after the second—regardless of whether you’ve made any claims.
🔹. Restore Benefit – Automatic Replenishment
If you exhaust your sum insured (fully or partially), it is restored 100% once during the policy year—ensuring continuous protection.
🔹. Protect Benefit – Covers Non-Medical Hospital Costs
Consumables like gloves, masks, nebulizer kits—which often make up 10–20% of bills—are covered at no extra cost.
🔹. No Room Rent or Disease Sub-Limits
You’re free to choose any room category—single, AC, or higher—without restrictions based on cost or disease.
🔹. Extensive Pre- & Post-Hospitalization Coverage
Covers medical expenses incurred 60 days before and 180 days after hospitalization—providing support during extended recovery periods.
🔹. Covers Daycare, AYUSH, and Home Treatments
Includes coverage for daycare procedures (like chemotherapy), traditional AYUSH therapies, and home healthcare on a cashless basis.
🔹. Daily Cash for Shared Room
Get ₹800 per day (up to ₹4,800) if hospitalized in a shared room for more than 48 hours—helping with incidental costs.
🔹. Preventive Health Check-ups
Receive check-ups annually (e.g., ₹5,000 for family floater policies) regardless of claims filed.
🔹. Air and Road Ambulance Support, E-Opinion
Emergency air ambulance coverage up to ₹5 lakh, plus access to expert e-opinions for critical illnesses.
🔹. Flexible Deductible & Discounts
Opt for a voluntary deductible (₹25,000 up to ₹5 lakh) to reduce premiums. These can even be waived after 5 continuous renewals.
Also enjoy loyalty discounts, family discounts, online and long-term policy discounts.
🔹. Wide Age & Sum Insured Range
Available for individuals up to age 65 with coverage options from ₹5 lakh to ₹2 crore. Renewable lifelong.
🔹. High Claim Settlements & Customer Satisfaction
Moneycontrol reports a claim settlement rate of 96%, with 95% of claims settled within 30 days and low complaint rates—indicative of reliable claim handling.
