Secure your family
with an
All-in-one
health plan
Secure your family with
an All-in-one health plan
21 Years of
Trusted Service
1.6 Cr
Happy Customers@
4X Coverage at No Additional Cost°°
Your base over of 10L becomes 40L in just 2 yrs.
Quick Claims, Hassle-Free
Optima Secure Plan delivers when it counts.
Starting at just ₹27/day*
Affordable premium for higher coverage.
Essential Illness
Cover for Senior
Citizens
Reliable critical Illness
Plans for Senior citizens
Claims in 38 mins
Superfast Claims
1.6 Cr
Happy Customers@
15 Critical Illness Coverage
Instant payout for major diseases!
Instant Lump Sum from ₹1L to ₹50L
Big payout right on diagnosis!
Preventive health check-up
Annual health checkups included!
When Basic
Insurance Isn’t
Enough, Top Up!
When Basic Insurance
Isn’t Enough, Top Up!
21 Years of
Trusted Service
1.6 Cr
Happy Customers@
One Plan, One Family
Hassle-free family coverage!
Fixed Premiums Even After 61
No premium hikes ever again!
No Health Checks Needed
Get insured without tests till 55!
Your Health, Our
Priority, Anytime &
Anywhere
Your Health, Our Priority,
Anytime & Anywhere
16000+
Cashless Hospitalsˇ
1.6 Cr
Happy Customers@
Why HDFC ERGO?
16,000+ Cashless Healthcare Networkˇ
Nationwide top hospital coverage!
Quick & Easy Claims^
Fast payouts, no delays!
Zero Deductions, Full Payouts
Full coverage, no hidden costs!
Get Up to 65% Discount in Premium**^
Health Insurance Plans,
As Smart As You.
Concerned about
Insufficient coverage?
4X your coverage at no extra cost in 2 years°°
100% restores your base coverage~
Ageing parents? Medical
Insurance for Seniors
Lump-sum payout on diagnosis of Critical Illness
Protection against 15 major critical conditions.
Travel hiccups?
We've got you covered!
Covers overseas medical expenses.
1L+ Global Cashless Hospital Network*
Nurturing care for every
stage of womanhood
Covers pregnancy and newborn complications.
41 Critical Illnesses covered in 1 policy for all women in the family
Coverage You Can Count On
Why choose
HDFC ERGO
HDFC ERGO
21 years of empowering 1.6 Cr families with financial security and peace of mind through reliable health coverage.
Wider Pre & Post
Hospitalisation"
Hospitalisation"
Get 60 and 180 days pre and post-hospitalisation coverage, Twice the standard!
Cashless
Hospitalisation
Hospitalisation
Access cashless treatment at 16,000+ network hospitalsˇ
Quick Claims^ settled
for Optima Secure
for Optima Secure
Don't worry! we do it better, ensuring your peace of mind
Superfast claims
settled in 40 mins***
settled in 40 mins***
No need to chase your insurer!
We'll handle it swiftly for you
We'll handle it swiftly for you
Up to ₹75,000
Tax Benefits'''
16,000+
Cashless Hospitalsˇ
₹18,000+ Cr
Claims settled till now ̑
Stress-Free Claims Guaranteed
Health Insurance Plans
Crafted Just for You
Zero Cost installments*^
Cashless Home Healthcare#
Health Checkups
4X Coverage at No Additional Cost°°
Your base over of 10 lakhs becomes 40 lakhs in just 2 years.
Aggregate Deductible
Choose to pay a portion of your first claim and get up to 65% off your premium.
No Deductions on Non-medical Bills'*
Non-medical costs like gloves and masks are covered, so you won't pay out of pocket.
Full Global Protection
No Cost Installments
Unlimited Restore Option
Global Health Cover
Pays for emergency and planned international hospitalisation expenses
Flexible Travel Add-Ons
Cover overseas travel expenses for both the insured and an accompanying person.
Enhanced Overseas Care
Provides full coverage for treatments planned outside of India.
No Sub-limit on Room Rent
Quick claim payment
100% Restore Coverage~
Unlimited Coverage Restore
Get unlimited sum insured restoration, every year.
Pre-Post Hospitalisation"
Covers medical costs before and after your hospital stay.
Day Care Procedures Covered
Protection for treatments not requiring overnight hospitalization.
my: Health Women Suraksha
Affordable premiums
Wellness Features
Unique Covers(Loss of Job)
Advanced Maternal Coverage
Comprehensive care for pregnancy and postnatal complications.
Critical Illness Protection
Covers 41 critical conditions specific to women's health needs.
Family Coverage Plan
Coverage extends beyond health, ensuring the well-being of every woman in the family.
my: Health Medisure Super Top-up
No Hospital Limits
Affordable Top-up Plan
Steady Premiums
Pre & Post Hospitalization
Covers both pre- and post-hospitalisation phases for comprehensive health care.
Lifetime Renewability
Keep your coverage active without any breaks, forever.
High-Risk Coverage
Covers expenses on diagnosis of any of the listed 51 major medical illnesses.
Critical Illness Insurance
15 Critical Illness
Hassle-Free Claims
Life-time Renewability
15 Critical Illness Coverage
Get a one-time payout for cancer, heart attack, and more.
Instant Lump Sum from ₹1L to ₹50L
Get lump sum payment of full coverage upon diagnosis.
Preventive health check-up
Stay on top of your health with annual health checkups.
Energy Diabetes Insurance
Wellness Program
Trained Health Coach
Sum Insured Restore
Diabetes and Hypertension Covered
Special coverage for Type I & II and pre-diabetic conditions.
No Waiting Period
Use your plan benefits immediately after signing up.
Premium Reduction Rewards
Earn discounts on your premiums simply by maintaining a healthy lifestyle.
1.6 cr
Happy Customers@
Real Stories, Real Health
Insurance Solutions
Jayesh
Optima Secure
“My dad needed bypass surgery, and my son fell sick soon after. HDFC ERGO Optima Secure’s 4X coverage and hassle-free claims supported when we needed the most.”
Raghav
Optima Secure
“I recently moved to Mumbai for a new job and compared health insurance plans before choosing HDFC ERGO. It offers low premiums, tax benefits, and peace of mind—an absolute must!”
Anjali
Optima Secure
“My dad had a heart attack, and HDFC ERGO’s Optima Secure ensured cashless treatment and covered all non-medical expenses, giving my family peace of mind!”
Ashok
Optima Secure
“My wife had open heart surgery, and HDFC ERGO’s Medical Insurance Plan it covered everything—ambulance, surgery, and medicines. The hassle-free claims gave us peace of mind”
Your Health Insurance
Queries Answered!
Still confused?
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We're here to help