my:Optima Secure Individual 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:

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.