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Global Plans under my:Optima Secure for your family

Optima Secure Plus Global Health Insurance for Family

If you have our Optima Secure family health insurance plan, you can be rest assured that the plan will help cover medical expenses for you and your loved ones within India. However, you might wonder what if you are travelling abroad will the plan be enough to cover your loved ones in case of any medical crisis overseas? Well, don’t stress yourself so much with that thought. We bring to you Global Plans under my: Optima Secure for you and your family. These plans provide comprehensive health coverage within  India as well as coverage for emergency and/or planned treatments  overseas (as per plan opted). Our global plans provide comprehensive and broader coverage along with additional benefits beyond what standard health insurance plans offer, like access to a vast network of top-tier healthcare providers, specialists and state-of-the-art medical facilities. Along with any of the Global Plans under my: Optima secure one can also opt for the ‘overseas travel secure’ optional cover which pays for travel expenses for the Insured person and for any one accompanying person. The optional cover also pays for accommodation expenses for that accompanying person.
With so many benefits and an incredible  4X domestic coverage, isn’t this a deal to steal? It doesn't end here! Now you can avail of our  No cost instalment*^ benefit while buying the product.

Global Health Plans Under my: Optima Secure

Just Launched Optima Secure Global

Optima Secure Global

This plan provides a global cover which includes coverage for hospitalisation expenses within India and coverage only for emergency medical treatments overseas.





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Just Launched Optima Secure Global Plus

Optima Secure Global Plus

This plan provides you a truly global cover which includes coverage for hospitalisation expenses within India and coverage for both planned as well as emergency medical treatments overseas





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Comparison of Global Plans under my: Optima Secure

Star  Recommended
CoveragesOptima Secure Global Optima Secure Global Plus
Base Sum Insured
1 and 2 Cr
25L, 50L, 75L, 1 and 2 Cr
Hosplitalization ExpensesWorldwide including IndiaWorldwide including India
Secure BenefitCovered (India Only)Covered (India Only)
Plus BenefitCovered

Covered

Automatic Restore BenefitCovered (India Only)Covered (India Only)
Pre and Post Hospitalization60 and 180 days (India only)60 and 180 days
Geography covered
Worldwide including India
Worldwide including India
Aggregate Deductible Discount
25k/50k/100k/200K/300K/500K (India Only)
25k/50k/100k/200K/300K/500K (India Only)
Global Health Cover (Emergency Treatments)
Covered (Overseas only)
Not Covered
Global Health Cover (Emergency & Planned Treatments)
Not Covered
Covered (Overseas only)
Overseas Travel Secure
Available as Optional Cover
Available as Optional Cover
 GLOBAL BROCHURE GLOBAL PLUS BROCHURE

Note: Our maximum liability in a policy year for overseas claim shall be restricted to base Sum Inured and Plus benefit (if available) & A per Claim Deductible of Rs. 10,000 will apply separately for each and every claim incurred and made overseas (except E-Opinion for Critical Illness ).

So Much Coverage

 

Choose Sum Insured
1X

Choose your health cover

Select your sum insured

Suiting your budget and requirements, select the coverage you want. For example, let's consider you select a sum insured of ₹1 Cr.

Secure Benefits
2X

Secure Benefit'*

2X coverage from day 1

Your base cover gets doubled instantly upon purchase, without having the need to claim it. This benefit will instantly increase your ₹1 Cr base cover to ₹2 Cr at no extra cost. This benefit applies in India only

Plus Benefit
3X

Plus Benefit

100% increase in coverage

On 1st renewal, your base cover increases by 50% after 1 year and 100% after 2 years, making it ₹1.5 Cr and ₹2 Cr respectively. Your total cover now becomes ₹3 Cr i.e 3X of your base cover.

Restore Benefit
4X

Restore Benefit

100% restore coverage

Anytime you make a claim whether partial or total of ₹1 Cr base cover, it gets 100% restored for any subsequent claims in the same year.This benefit applies in India only


Note: All the above benefits are applicable for claims in India except for plus benefit (which is applicable in India and overseas)

Get hdfc ergo health insurance plan
Buying the Optima Secure Global / Optima Secure Global Plus plan is now easier with our no cost installment*^ option!

More Protection by Adding More Benefits

You can choose below options while creating wholesome protection for you and your family with Global plans under my: Optima Secure

1

Overseas Travel Secure

This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.

2

Unlimited Restore

This Optional Benefit will provide instant addition of 100% Basic Sum Insured on complete or partial utilization of Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year. This optional cover will trigger unlimited times and is available for all subsequent claims in a Policy Year.

3

My:Health Hospital Cash Benefit

my:Health Hospital Cash benefit add on meets your day to day needs with fixed daily cash for your personal expenses, food, transportation, loss of pay and much more. So make an estimate of your daily spends and pay a small amount today instead of feeling helpless tomorrow.

So Much Benefits

  • Protect Benefit

    Protect Benefit

    Covers Out-Of-Pocket Expenses°
  • AGGREGATE DEDUCTIBLE DISCOUNT

    AGGREGATE DEDUCTIBLE DISCOUNT

  • So Much Savings

    So Much Savings

    Online, long-term & many more discounts
  • So Much Choices

    So Much Choice

    Sum Insured upto 2 Cr Cover & tenure upto 3 years
Protect Benefit
Protect Benefit
Procedure Charges Covered
Procedure Charges Covered
Cost of Disposables Covered
Cost of Disposables Covered
Cost of Consumables Covered Cost of Consumables Covered
Cost of Consumables Covered

Key Features

  • Support devices: We cover costs towards the cervical collar, braces, belts etc
  • Cost of Disposables: Go cashless with in-built coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation
  • Cost of Kits: We cover cost for delivery kit, orthokit and recovery kit.
  • Procedure Charges: We cover costs towards gauze, cotton, crepe bandage, surgical tape etc

So Much Trust

Backed by the trust of #1.6 crore+ happy customers over the past 18 years. At HDFC ERGO, we consistently strive to make insurance affordable, easier and dependable. Here, promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

Nearly 13K+ Cashless Hospitals
Nearly 13K+ Cashless Networkˇ
₹17,750+ crores Claims Settled
₹17,750+ crores
Claims settled^*
2 claims processed every minute
2 claims processed every minute^*
24x7 support in 10 languages
24x7 support in 10 languages
1.6+ crores Happy Customers
#1.6+ crores
Happy Customers
99% Claim
99% Claim
Settlement Ratio*^
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Know How Global plans under my:Optima Secure Boosts Your Health Cover?

What if we tell you that your health cover doubles up as soon as you buy Global plans under my:Optima Secure? Don’t believe us? Well, that’s indeed a fact. Secure Benefit instantly makes his ₹1 Cr base cover to ₹2 Cr, at no extra cost.

health-insurance-plan-recommendation-health-suraksha

How does it work?

Suppose, Mr Sharma has bought Global plans under my:Optima Secure with a sum insured of ₹1 Cr, then in this case his sum insured will instantly get doubled and offer him a total health cover of ₹2 Cr. This additional amount can be utilised for any number of admissible claims in India.

We love the fact that you are choosing us to be your partner on your health journey. And, hence we would love to reward you for your trust and loyalty by offering a 50% increase in base cover at first renewal and a 100% increase post-2nd-year renewals irrespective of any claims made worldwide.

health-insurance-plan-recommendation-suraksha-gold

How does it work?

When Mr Sharma renews his Global plan under my:Optima Secure for 1 year, Plus Benefit increases his base cover of ₹10 lacs by 50% and in 2nd year by 100%, making it ₹1.5 Cr and ₹2 Cr respectively. Plus benefit and secure benefit together takes the total coverage to ₹3 Cr.

Global plans under my:Optima Secure restores up to 100% of your base sum insured for subsequent claims, for any illness or accidental hospitalisation. This benefit comes in handy when you exhaust your existing sum insured due to one or several claims incurred in India. 

health-insurance-plan-recommendation-my-health-suraksha

How does it work?

Imagine a situation where Mr. Sharma claims partial or total ₹1 Cr base cover in India, it gets 100% restored, making it ₹3 + ₹1= ₹4 Cr. So, he does not have to limit his claims to ₹1 Cr base cover or ₹2 Cr secure benefit, he will get an additional ₹1 Cr as a restore benefit to settle claims.

It is the non-medical expenses that really end up burning a hole in your pocket. Well, we have got your back. Go cashless with our my:Optima Secure which has an in-built coverage for listed non-payable items like gloves, masks, food charges, and other consumables during hospitalisation. Usually, these disposable items are not covered by insurance policies or offered as an optional cover at an additional cost. However, with this plan, all your expenses for 68 listed non-medical items that are commonly used during hospitalisation are covered at no extra premium.

health-insurance-policy-recommendation-health-suraksha

How does it work?

During hospitalization, his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit. With Global plans under my:Optima Secure you can rest assured that as many as 68 non-medical expenses will be taken care of. Mr. Sharma won't have to shell extra pennies for these non-medical expenses. Items like disposables, consumables, and non-medical expenses such as gloves, food charges, diapers, belts, braces etc will all be covered under this plan.

Global plans under my:Optima Secure is tailored for those who want to settle for nothing less than the most premium healthcare for their family. The plan qualifies you for any room category at any hospital. This feature assist customer in reducing their out-of-pocket expenses and further gives freedom to select the hospitalization room of their choice.

health-insurance-plan-recommendation-women-suraksha

How does it work?

Global plans under my:Optima Secure does not put a claim restriction in terms of a disease. Say, for instance, if Mr. Sharma has to undergo a kidney stone removal procedure, then unlike other conventional insurance plans, my:Optima Secure has no capping or so as the claimable amount for the disease. He can claim up to the available sum insured as per the treatment costs. Additionally, there is no capping in terms of room rent per day or ambulance charges.

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Optima Secure won 'Product Innovator' of the year at the BFSI Leadership Awards 2022

What's Not Covered under my: Optima Secure Global Plans

adventure sport injuries

Adventure Sport Injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

self-inflicted injuries not covered

Breach of Law

We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.

injuries in war is not covered

War

War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation in defence operations not covered

Excluded Providers

We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)

Congenital external diseases, defects or anomalies,

Congenital external diseases, defects or anomalies,

We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer to birth defects).

treatment of obesity or cosmetic surgery not covered

Treatment for Alcoholism & Drug Abuse

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.

Calculating Premium Is So Easy

know your health insurance premium

STEP 1

Click on Buy Now
to proceed

STEP 2

Select the members, sum insured &
calculate premium

STEP 3

Ta-da! Here is
your premium

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Hospitalisation Expenses

  How to Make a Claim for your HDFC ERGO Health Insurance  

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claims and reimbursement claim requests.

2 claims processed every minute^^

HDFC ERGO Claim settlement : Fill pre-auth form for cashless approval
1

Intimation

Fill up the pre-auth form at the network hospital for cashless approval

HDFC ERGO Claim settlement: Health Claim Approval Status
2

Approval/Rejection

Once hospital intimates us, we send you the status update

HDFC ERGO Claim settlement : Hospitalization after approval
3

Hospitalisation

Hospitalisation can be done on the basis of pre-auth approval

HDFC ERGO Medical Claims Settlement with the Hospital
4

Claim settlement

At the time of discharge, we settle the claim directly with hospital

2 claims processed every minute^^

Hospitalization
1

Hospitalisation

You need to pay the bills initially and preserve the original invoices

claim registration
2

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation
3

Verification

We verify your claim related invoices and treatment documents

claim approval
4

Claim Settlement

We send the approved claim amount to your bank account.

13,000+
Network Hospitalsˇ
Across India

Find Your Nearest Cashless Hospitals

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OR LOCATE Hospital NEAR YOU
12,000+ Network Hospitals by HDFC ERGO
Jaslok Medical Centre

Address

C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited

Address

C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre

Address

C-1/15A Yamuna Vihar, Pincode-110053

Hear From Our Happy Customers

4.4/5 Stars
rating

Our customers have rated us

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M PASUPATHY

MY: OPTIMA SECURE

21 Sep 2021

Plans are great and processing is fast too

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LALIT NIRANJAN

MY: OPTIMA SECURE

17 Aug 2021

Very good policy

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BRIJESH PRATAP SINGH

MY: OPTIMA SECURE

15 Aug 2021

Excellent service

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TEJAS PRADIP SHINDE

MY: OPTIMA SECURE

15 Aug 2021

Overall good service !

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Praveen Kumar

my:Health Suraksha

28 Oct 2020

I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.

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FAQs on Optima Secure Global Health Insurance for Family

‘Optima Secure Global’ covers hospitalization expenses in India and in addition to that it also covers emergency medical expenses which are diagnosed and incurred outside India

'Optima Secure Global Plus’ covers hospitalization expenses in India and in addition to that it also covers Planned and Emergency Medical treatments in overseas

Sum Insured for Optima Secure Global Plan is 1 Cr and 2 Cr. Sum Insured for Global Plus Plan is 25L, 50L, 75L, 1 Cr and 2 Cr.

There is no separate sum Insured for these Global Plans and hence sum insured opted is common for both treatments within and outside India.

The Optima Secure Global plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Organ Donor Expenses, Emergency Air Ambulance, Protect Benefit, Plus Benefit and E Opinion for Critical Illness

The Optima Secure Global Plus plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on planned and/or emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Pre and Post hospitalization medical expenses ,Organ Donor Expenses, Emergency Air Ambulance, , Protect Benefit, Plus Benefit and E Opinion for Critical Illness

The maximum liability under Global and Global Plus plan shall not exceed the sum of Base Sum Insured and Plus Benefit (if applicable) for Treatments outside India, however for claims within India, the maximum liability in a policy year shall not exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit (if applicable), Restore Benefit (if applicable).

Aggregate Deductible if opted will apply for hospitalizations within India and will not be applicable for any claim expenses incurred outside India.

However, a Per Claim Deductible of INR 10,000 will apply separately for each and every claim under Global Plans of my: Optima Secure for treatments taken outside India (except for E Opinion for Critical Illness).

Claims shall normally be payable on Reimbursement basis only. Cashless facility may be arranged on case to case basis.

A waiting period of 30 days is applicable for any treatment except accidental Injury, a 24 month waiting period is applicable for Specified illness and surgical procedures and a 36 months waiting period is applicable for pre-existing diseases.

This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.

There are 4 add-ons filed with this product which you can avail at the time of purchasing the policy. List of add-ons are as mentioned below:

1) my: health Critical Illness Add On

2) my: health Hospital Cash Benefit Add On

3) individual Personal Accident Rider

4) Unlimited Restore (Add on)

5) Optima Wellbeing (Add on) : Covers expenses for various outpatient benefits.

Awards & Recognition

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BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry
Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience
Award of the Year

ICAI Awards 2014-15

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CMS Outstanding Affiliate World-Class Service Award 2015

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iAAA rating

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ISO Certification

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Best Insurance Company in Private Sector - General 2014

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