Optima Secure Family - HDFC ERGO General Insurance

Secure benefit 2X coverage from day 1. The base cover you opt for gets doubled instantly upon purchase, wihtout having the need to claim it.
Plus benefit 100% increase in coverage after 2 years. The base cover increases by 50% after 1 year and 100% after 2 years, irrespective of any claims.
Restore benefit 100% restore coverage. If a claim is made, 100% of that amount gets restored in the policy automatically, max up to base cover.
Protect benefit Non-medical expenses. Zero deductions on listed non-medical expenses to maximise your claim during hospitalisation.

You choose sum insured of Rs 10 Lacs
Secure Benefit instantly makes 10 lacs base cover to 20 lacs, at no extra cost (10 lacs + 10 lacs)
Plus benefit adds 100% sum insured on two continuous renewals making the total coverage to 30 Lacs (10 lacs + 10 lacs + 10 lacs)
Restore Benefit, with this benefit you get 100% base covered restored. When you make a claim of partial or total base cover (10 lacs).
Congratulations! With these benefits you can get 40 lacs health cover in 2 years (10 lacs +10 lacs+ 10 lacs +10 lacs)

Plus Benefit: Doubles your coverage in two years, irrespective of claims For example: In 2021, you bought Optima Secure with Rs 10 lacs sum insured; in 2023 you will have a sum insured of Rs 20 lacs even if you have made claims in the last 2 years.
Optima Secure is renewable lifelong, once you have secured yourself with Optima Secure, you don’t have to ever change your policy or exit from the plan.
To help you keep track of your health status, we provide preventive health check up benefit post completion of every policy year, irrespective of claim status.

Protect Benefit: Go cashless with in-built coverage for disposable items like gloves, masks, food charges and other consumables during hospitalization.
Daily cash for shared room: Hospitalised in a shared accommodation for more than 48 hours? Get a daily cash of Rs 800/day upto a maximum of Rs 4800.
e–opinion for critical illness: We will pay for the expenses incurred by you towards E-Opinion for defined Critical Illnesses availed from an expert through the network provider.
No geography based co-payment: No matter where you choose to get treated, we do not apply co-payments based on locations.
No claim based loading: It means we will not increase your premium on yearly basis if you make claims or fall sick post buying Optima Secure.

30 days initial waiting period for hospitalization other than accidental injuries.
24 months waiting period on specific illnesses and surgical procedures.
36 months waiting period on pre-existing diseases.

2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Pregnancy, dental treatment, external aids and appliances.
Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation or any kind.
Congenital external diseases, cosmetic surgery or weight control treatments.

16,000+
Cashless Hospital Network

1.6 Crore+
Happy Customers@

1 claim
processed every minute^^

100% Claim
Settlement Ratio

₹17,750+ crores
Claims settled ##

24x7 In-house
claim support

	Standard	Exclusive	Premium
In-Patient Treatment
Pre-Hospitalization
Post-Hospitalization
Day Care Procedures
Domicillary Treatment
Organ Donor
Ambulance Cover
Ayush Benefit	upto Rs. 20000	upto Rs. 30000	upto Rs. 50000
Daily Cash for choosing Shared Accomodation
Daily Cash for Accomopaying an insured child
New Born Baby
Recovery Benefit
Emergency Air Ambulance Cover
Maternity Expenses
Outpatient Dental Treatment Waiting Period 3 Years
Spectacles, Contact Lenses, Hearing Aid Every 3rd Years
E-Opinion in respect of a critial illness
Health Check-up
Tax Benefits

Optima Secure