Your family back home deserves the best care, not the closest option.
Comprehensive health insurance for you and your family in India - managed entirely from abroad.
No Spam! No Mis-selling!
16,000+
Cashless Healthcare
Network (India)'
₹2 Crores
Maximum
Sum Insured
97.5%
Claims
Payout Ratio''
Buy Now
The reality of managing
healthcare across borders
healthcare across borders
Medical costs will double
A single cardiac surgery can cost ₹5-8 Lacs. Without cover, your parents' savings are at risk. These costs could double in the next 5 years considering healthcare inflation in India. [1]
You can't be there instantly
When a medical emergency strikes at 2 am in Delhi and you're in Singapore, you need a plan already in place - not one you're scrambling to set up in a panic.
Cashless = no upfront burden
Your family shouldn't have to borrow money or liquidate investments during a hospitalisation. HDFC ERGO offers access to a network of over 16,000 cashless healthcare providers.*
We built this for the problems
you've already worried about
THE WORRY
I can't buy insurance from abroad — it requires too many in-person steps.
THE REALITY WITH US
You can purchase our insurance policy digitally at the comfort of your home. Our insurance advisors are available for any assistance required.
THE REALITY WITH US
You don’t have to maintain separate health insurance policies for yourself and your family. You can cover everyone under one comprehensive health insurance plan.
THE WORRY
I find it difficult to manage my health insurance policy and my family's health insurance policy separately.
THE WORRY
What if a claim gets rejected or delayed when I'm not there to fight for it?
THE REALITY WITH US
We have 97.5% claim payout ratio^. Over the last 15 years, we have paid health claims amounting to more than ₹21,700 crores.~
Why Choose HDFC ERGO?
Zero Mis-Selling
You get only what you need — no pressure selling, no hidden clauses, just transparent insurance.
5% Online Discount
Enjoy an exclusive 5% discount when you purchase your policy online — no agents or middlemen involved.
Dedicated Claim Assistance
Access personalized help during purchasing as well as claims with a team that guides you every step of the way.
100% Data Privacy
Your personal and medical information is fully protected with strong data privacy protocols.
Instant Policy Issuance
Get covered instantly with quick, digital policy issuance — no paperwork, no waiting.
From enquiry to policy
in under 30 minutes
1
Submit Your Details
Fill the form. Tell us who you want covered and your preferred sum insured.
2
Advisor Calls You
A dedicated insurance advisor connects with you within 2 hours.
3
Pick Your Plan
We recommend the best plan for your family's age, city, and health needs. No pressure. No upselling.
4
Pay & Go Live
Policy is issued digitally.
Your health insurance policy is ready.
The NRI Discount -
built for how you actually live
Eligibility
The insured person must hold NRI (Non‑Resident Indian) status for the entire policy year to be eligible for the discount.
If the insured stays abroad for only part of the policy year, the discount will not be applicable.
Benefits
A premium discount of 40% is offered to an insured individual who resides overseas for the full duration of the policy year.
The NRI insured continues to retain continuity of Pre‑Existing Disease (PED) coverage, even while residing outside the country.
Returning to India Mid‑Year
If an NRI returns to India during the policy year:
i. They must inform HDFC ERGO about their return.
ii. They are required to pay the differential premium for the remaining period of the policy year.
For long‑term policies, the differential premium will be charged only for the specific year in which they returned, and not for any previous years.
Renewal
If an insured person received an NRI discount for a policy year and declares at renewal that they will continue living abroad, the NRI discount will be applied to the renewal premium.
If the insured declares that they will be living in India in the upcoming policy year, the NRI discount will not be applicable at renewal.
40%
off your annual premium
Claim NRI Discount
Example Saving
Standard Premium -> ₹ 18,500
NRI Discount (40%) ->-₹ 7,400
You Pay ->₹ 11,100
Subject to declaration of NRI status for full policy year. T&C apply.
Every question about the
NRI discount, answered
The NRI discount is one of the most valuable benefits we offer - and also one that comes with conditions worth understanding clearly. Here are the questions we get asked most often.
Eligibility - Who is eligible for the 40% NRI discount?
Insured persons who live abroad for the entire policy year and hold NRI status throughout are eligible for a 40% discount.
No discount applies if they stay abroad for only part of the year.
(Subject to T&Cs)
(Subject to T&Cs)
How It Works - What does "declaring NRI status for the full policy year" mean?
Declaring NRI status for the full policy year means that the insured’s status is NRI for the whole policy period.
Waiting Period - Does my pre-existing disease (PED) waiting period keep running while I'm abroad?
Waiting periods are the mandatory duration you must complete before certain treatments and benefits become accessible.
Many health insurance plans require this before you can make a claim.
- For NRIs planning to return to India—or those who visit frequently—buying health insurance in India early is a wise move.
- It helps you complete waiting periods in advance, ensuring you get full coverage without delays when you need it.
Claims while visiting - Can I make a claim in India even if I've received the NRI discount?
If the insured wishes to make a claim while in India, they may do so by paying the applicable differential amount on the policy.
In addition to the standard documents required for registering a health insurance claim, an NRI must also submit:
- Passport copy with entry and exit stamps
- Flight tickets and boarding passes
- Overseas accommodation invoices (if applicable)
- Written advice from an overseas medical practitioner confirming the need for an accompanying person (for overseas treatment claims)
Returning to India - What happens if I return to India permanently during the policy year?
If an NRI returns to India during the policy year:
i. They must inform HDFC ERGO about their return.
ii. They are required to pay the differential premium for the remaining period of the policy year.
For long‑term policies, the differential premium will be charged only for the specific year in which they returned, and not for any previous years.
Renewal - Does the 40% discount apply automatically at renewal?
For Insured who have been offered NRI discount in a particular policy year and at policy renewal makes further declaration of his stay abroad for the forthcoming year the applicable NRI discount would be offered on the renewal premium. If the Insured would be based in India then no discount would be applicable upon renewal.
Process - How do I claim the NRI discount? What documents do I need?
In order to claim 40% NRI Discount following documents are required -
a. Visa Number
b. Passport Number
c. Income Proof
d. Details of Source of funds
Optima Secure+ - Comprehensive Health Insurance for you & your family.
HDFC ERGO General Insurance Company Limited. IRDAI Reg No : 146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale.
UIN: my: Optima Secure - HDFHLIP25041V062425
[1] - The cost range is derived from expense estimator on Here App, specific
to hospitals located in Tier 1 cities. https://economictimes.indiatimes.com/industry/healthcare/biotech/healthcare/25-for-2025-what-will-it-take-to-ease-the-pain-of-medical-inflation-and-rising-premium-payments/articleshow/116816210.cms
~ - Data from FY'11 to FY'25.
~ - Data from FY'11 to FY'25.
^ - Formula for payout ratio is Paid Claims/(opening outstanding claims+ reported claims - closing outstanding claims), the payout numbers are reflected
in Form NL 37 for FY 25.
* - as on August 2025. Please refer to the website www.hdfcergo.com for an updated network list.
Please review all policy-related documents thoroughly before proceeding with the purchase.
Please review all policy-related documents thoroughly before proceeding with the purchase.
© HDFC ERGO 2026. All rights reserved