Knowledge Centre
₹5 lacs - ₹2 Cr
Additional 5% Online

Discount

99.8% Claim Settlement Ratio**
97% Claim

Settlement Ratio*^

₹7500+ Cr claims Settled till now#
₹7500+ Cr claims

Settled till now^*

my:Optima Secure Individual Health Insurance

health insurance plan

Introducing my:Optima Secure health insurance, which redefines the value you get from health insurance, with SO MUCH benefits that give an incredible 4X coverage at no additional cost. Isn’t this a deal to steal?

Well, it doesn’t end here. We also provide you a host of benefits such as no room rent capping, wider pre&post hospitalisation, unlimited daycare procedures and exciting discount options. We’d say do not settle for less when you can avail one of the best healthcare facilities without breaking your bank.

 

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 ₹10 lacs.

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 ₹10 lacs base cover to ₹20 lacs at no extra cost.

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 ₹15 lacs and ₹20 lacs respectively. Your total cover now becomes ₹30 lacs 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 ₹10 lacs base cover, it gets 100% restored for any subsequent claims in the same year.

Get hdfc ergo health insurance plan
With ₹10 lacs base cover eventually becoming ₹40 lacs. You get 4X coverage in 2 years.

So Much Benefits

  • Protect Benefit

    Protect Benefit

    Covers Out-Of-Pocket Expenses°
  • Aggregate Deductible Discoun

    Aggregate Deductible Discount

  • So Much Savings

    So Much Savings

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

    So Much Choices

    Cover upto 2 Cr & 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
tab1
Aggregate Deductible Discount
Twenty Five Percent Off
Twenty Five Percent Off
Fourty percent Off
Fourty
Percent Off
Fifty percent Off
Fifty
Percent Off
  • Aggregate deductible is the amount that you agree to pay before making a claim in a policy year. Get discount up to 50% every year by choosing to pay a little bit.
  • Discount Options

    • 50% Discount: Get 50% flat discount on your base premium when you decide to pay ₹1 lac before making a claim in a policy year
    • 40% Discount: Get 40% flat discount on your base premium when you decide to pay ₹50,000 before making a claim in a policy year
    • 25% Discount: Get 25% flat discount on your base premium when you decide to pay ₹25,000 before making a claim in a policy year
    • Note :To know more about aggregate deductible discount for sum insured above ₹20 lacs, please read the sales brochure/policy wordings.
    tab2
    So Much Savings
    Family Discount
    Family Discount
    Online Discount
    Online Discount
    Long term discount
    Long term discount

    Discounts available

    • Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online
    • Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Secure policy on an individual sum insured basis
    • Long Term Discount: If premium is paid in advance for 2 or 3 years policy tenure, then you get a premium discount of 7.5% and 10% respectively
    • Loyalty Discount:Get 2.5% premium discount on the base premium if you have an active retail insurance policy with us, with a premium above ₹2000
    tab4
    So Much Trust
    Expanded Coverage
    Expanded Coverage
    Policy Options
    Policy Options
    Tenure
    Tenure

    Key Features

    • Coverage: Choose between wide range of base cover from ₹5 lacs to 2 crores
    • Policy Options: You can buy individual and family floater options
    • Tenure: Select policy tenure between 1, 2 and 3 years

    So Much Trust

    Why Choose HDFC ERGO health insurance

    Backed by the trust of #1.5 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 10K Cashless Hospitals
    Nearly 10K Cashless Hospitals**
    ₹7,500+ crores Claims Settled
    ₹7,500+ crores
    Claims settled^*
    1 claim processed every minute
    1 claim processed every minute^*
    24x7 support in 10 languages
    24x7 support in 10 languages
    1.5+ crores Happy Customers
    #1.5+ crores
    Happy Customers
    97% Claim
    97% Claim
    Settlement Ratio*^
    Buy Now

    Know How Optima Secure Benefits Boost Your Health Cover?

    What if we tell you that your health cover doubles up as soon as you buy an Optima Secure health insurance plan? Don’t believe us? Well, that’s indeed a fact. Secure Benefit instantly makes his ₹10 lacs base cover to ₹20 lacs, at no extra cost.

    How does it work?

    Suppose, Mr Sharma has bought Optima Secure Health Insurance Plan with a sum insured of ₹10 lacs, then in this case his sum insured will instantly get doubled and offer him a total health cover of ₹20 lacs. This additional amount can be utilised for any number of admissible claims.

    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 post 2 years and a 100% increase post-2nd-year renewals irrespective of any claims made.

    How does it work?

    When Mr Sharma renews his Optima Secure Health Insurance Plan for 1 year, Plus Benefit increases his base cover of ₹10 lacs by 50% and in 2nd year by 100%, making it ₹15 lacs and ₹20 lacs respectively. Plus benefit and secure benefit together takes the total coverage to ₹30 lacs.

    Optima Secure plan 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. 

    How does it work?

    Imagine a situation where Mr. Sharma claims partial or total ₹10 lacs base cover, it gets 100% restored, making it ₹30 + ₹10= ₹40 lacs. So, he does not have to limit his claims to ₹5 lacs base cover or ₹20 lacs secure benefit, he will get an additional ₹10 lacs 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 health plan 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.

    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 Optima Secure plan 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.

    Optima Secure plan is tailored for those who want to settle for nothing less than the most premium healthcare for their family. The plan qualifies you for an AC single private room at any hospital of your choice for a sum insured less than ₹50 lacs. For sum insured ₹50 lacs & above, any room of your choice can opt.

    How does it work?

    Optime 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, Optima Secure has no capping of ₹1 lac 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.

    buy a health insurance plan
    All Set to Buy Optima Secure?

    So Much Coverage Offered by my:Optima Secure Health Insurance

    hospitalization expenses covered by hdfc ergo

    Hospitalisation (including COVID-19)

    We cover all your hospitalisation expenses arising from illnesses and injuries seamlessly. Most importantly, the Optima Secure plan includes treatment costs for Covid-19 as well.

    pre & post hospitalisation covered

    Pre and Post Hospitalisation

    Instead of 30&90 days availed normally, get 60 & 180 days pre and post hospitalisation medical expenses covered.

    daycare procedures covered

    All Day Care Treatments

    Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

    free renewal health check-up

    Preventive Health Check-Up at No Cost

    Prevention is certainly better than cure and that’s why we offer a free health check-up on renewing your health insurance policy with us.

    Road Ambulance

    Emergency Air Ambulance

    Optima secure plan is tailored to reimburse the cost of air ambulance transport upto ₹5 lacs too.

    cashless home health care covered by hdfc ergo

    Road Ambulance

    Optima Secure plan covers road ambulance cost upto the sum insured.

    free renewal health check-up

    Daily Hospital Cash

    Get daily cash of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses under Optima Secure Plan.

    Road Ambulance

    E Opinion for 51 illnesses

    Avail e-Opinion for 51 Critical Illnesses through network provider in India under Optima Secure plan.

    cashless home health care covered by hdfc ergo

    Home Healthcare

    We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.

    organ donor expenses

    Organ Donor Expenses

    We cover medical expenses for harvesting a major organ from the donor’s body where insured is the recipient.

    ayush benefits covered

    Alternative Treatments

    We cover treatment costs upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.

    lifetime renewability

    Lifelong Renewability

    Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break free renewals.

    Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.

    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

    protect against coronavirus hospitalization expenses
    Protect Your Family Against Coronavirus
    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 claimsand reimbursement claim requests.

    Health Insurance Cashless Claims get approved within 60*~ minutes

    Fill pre-auth form for cashless approval
    1

    Intimation

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

    approval status for health claim
    2

    Approval/Rejection

    Once hospital intimates us, we send you the status update

    Hospitalization after approval
    3

    Hospitalisation

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

    medical claims settlement with the hospital
    4

    Claim settlement

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

    We settle reimbursement claims within 6~* hours

    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.

    10,000+
    Network Hospitals
    Across India

    Find Your Nearest Cashless Hospitals

    search-icon
    OR LOCATE Hospital NEAR YOU
    Find 10,000+ network hospitals across India
    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

    quote-icons
    male-face
    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.

    quote-icons
    female-face
    BipinPurohit

    my:Health Suraksha

    15 Oct 2020

    I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.

    quote-icons
    male-face
    Shweta R

    my:Health Suraksha

    12 Oct 2020

    I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.

    quote-icons
    male-face
    Pramod MahadevTanawade

    my:Health Suraksha

    28 Sep 2020

    Appreciated services provided by your executives.

    quote-icons
    male-face
    Shailendra Kumar Rath

    my:Health Suraksha

    20 Oct 2020

    Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service

    Done Reading? Willing to explore "So Much " benefits

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    Frequently Asked Questions on Optima Secure Health Insurance

    The word secure resonates with being safe and tension-free. Under Optima Secure plan, we provide you with the secure benefit. This health insurance plan offers additional coverage up to 100% of the base sum Insured immediately upon purchase at no extra charge. This additional amount can be utilised for any number of admissible claims. Now isn't this truly a benefit that can keep you secure.

    Example: You have bought an Optima Secure Health Insurance plan with a health cover or sum insured of ₹5 lacs. In this case, your sum insured instantly gets doubled up to offer you a total health cover of ₹10 lacs instead of a basic ₹5 lacs health cover for which you paid your valuable premium. This additional amount can be utilised for any number of admissible claims. That means you can now make claims up to ₹10 lacs instead of ₹5 lacs.

    Yes, you can opt for AC single room with Optima Secure plan. We let you choose AC single room for undergoing treatment/surgery at any hospital. You can avail this facility on a cashless basis if you are hospitalised at a network hospital. There is also no disease capping either. You can undergo treatment for any disease and make use of your sum insured. You need not worry about room rent at the time of hospitalisation as we want you to undergo quality treatment without any worry.

    This option allows you to enhance your sum insured as per your need at a lower cost. HDFC ERGO will bear any claim over and above the chosen deductible amount in a policy year and you can cut your premium by 50%. Can’t ignore right? Following discount will be applicable on the Policy premium:

    Deductible AmountBase Sum Insured up to 20 LakhsBase Sum Insured above 20 Lakhs
    25,00025% 15%
    50,000 40% 30%
    100,000 50% 40%

     

    3 years is a long term association, and it's natural to expect a reward. Optima Secure will not disappoint you; you are a loyal customer; hence, you are eligible for a loyalty discount. You will be eligible to get a discount of 2.5% on the base premium if you have an active retail insurance policy with premium above ₹ 2,000 with us. That means if you are an existing retail policy holder (2 Wheeler, motor, travel, home, health, Cyber security insurance) with HDFC ERGO, you will be eligible for a 2.5% loyalty discount on Optima Secure premium. The best part is your claim history won't impact this benefit.

    In these pandemic times, ortho kits, gloves, masks etc., are very widely used items during hospitalization. These are considered disposable items and included as non-medical expenses of the hospitalization bill. But, under most health insurance policies, disposable items are not covered. With Optima Secure plan, you can easily pay for 68 listed non-medical items commonly used during a hospitalisation at no extra premium.

    Absolutely. There is no waiting period for claims due to accidents. Under any health insurance policy, there is a clause of a waiting period. This means you are eligible to file a claim only after completing a certain number of days mentioned in the policy wording. With Optima Secure, there is a waiting period of 30 days before making a claim except for accidental claims, 24 months waiting period on specific & listed illnesses & surgical procedures and 36 months waiting period on pre-existing diseases. This means accidental claims are covered immediately from the policy start date.

    Yes, you can include your child under your health insurance plan. In fact, you can include your child post 90 days of birth up to 25 years of age. It's a good thing to add the child to the policy at an early age.

    Optima Secure Health Insurance plan restores up to 100% of your base sum insured for subsequent claims, for any illness, or any insured person. Your base sum insured is the actual sum insured that you had chosen when buying the policy. This helps you in case you exhaust your existing sum insured for any claim or number of claims. Suppose today you have bought an Optima Secure Health Insurance plan with a health cover or sum insured of ₹5 lacs, and, you register a claim of ₹8 lacs in year one. In such a scenario, you will be able to settle hospital bills worth ₹5 lacs from your base sum insured and the remaining ₹3 lacs from your secure benefit. If there is a subsequent claim in the same policy year, you will have automatic restore benefit up to your base sum insured for your immediate usage. Automatic restore benefit kicks from your 2nd claim onwards once you exhaust Base Sum Insured, Plus Benefit (after 1st year), Secure Benefit (in this order) and is available every policy year. Unutilised automatic restore benefit is not carried forward to the next policy year.

    Optima Secure plan is available for the sum insured up to ₹2 Cr. Various sum insured options are available such as ₹5, ₹10, ₹15, ₹20, ₹25, ₹50 lacs and ₹1Cr. You can buy the best health insurance policy of a sum insured that best suits your needs.

    Yes, all COVID- 19 expenses are covered under Optima Secure plan. You need not buy a separate health insurance policy when you get it all under one policy.

    We will pay for the expenses incurred by you towards E-Opinion for defined Critical Illness availed from a Medical Practitioner through the Network Provider. We understand that digital opinion is the future, and we believe in making your life simple.

    Awards & Recognition

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    ICAI Awards 2015-16

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    SKOCH Order-of-Merit

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    Best Customer Experience
    Award of the Year

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    ICAI Awards 2014-15

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    ICAI Awards 2015-16

    Image

    SKOCH Order-of-Merit