HDFC ERGO Optima Secure is a feature-rich health insurance. This plan is designed for individuals and families and the plan offers 2X coverage from day one at no additional cost, unlimited restoration not only this it also comes with many features that make it comprehensive such as no room rent capping, air ambulance, e-consultation and it also covers non-payable items which makes it special if you are looking for a health insurance you should definitely check out
Optima Secure - Key Highlights
Secure Benefit
2X coverage from day 1, no need to activate or claim, no additional cost.
Plus Benefit
Sum insured will increase by 50% every year, after 2 years it will be 100% irrespective of any claim
Restore Benefit
Sum insured is restored unlimited number of times during the policy term
100% CSR
100% claim settlement ratio in last 3 months
15,000+ Hospitals
More then 10,000+ hospitals pan India
Protect Benefit
Covers expenses related to non-payable items like gloves, syringes, etc
Features & Benefits
Note: Room rent limits can impact all expenses related to hospitalization. For better coverage, ensure that your health plan does not have any room rent limits.
Note: This allows the coverage amount to be automatically refilled when your coverage exhaust due to multiple claims
Note: This is an additional coverage amount that the insurance company gives you as a loyalty benefit on policy renewal, without reducing the actual coverage amount.
Note: A large hospital network will allow you to get hassle-free treatment across India without any co-payments and reimbursements, make sure the nearest hospital is included in the network hospital list of your insurer company.
Note: Always ensure that your health plan does not have any co-pay so that you do not have to spend a single penny from your pocket.
Note: It covers all medical expenses like doctor visits, tests, diagnosis, etc. before hospitalization.
Note: This covers all medical expenses, such as doctors’ medication, follow-up and recovery treatment after discharge
Note: All treatments that take less than 24 hours and do not require you to be hospitalised fall under day care treatment.
Note: Hospitalization at home is possible when beds are not available in the hospital or on medical advice.
Up to SI
Note: Covers ambulance charges before and after the hospitalization
Value Added Services
Note: Applicable for insured persons who are 18 years or above.
Note: when you choose a shared accommodation in a network hospital, and the hospitalisation period exceeds 48 hours.
Note: Cover e-opinion on 51 critical illnesses through network provider in India.
Additional Features
Note: This feature is good if the treatment requires the Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatment, make sure your policy covers AYUSH treatments.
Note: This is the important feature in future, it may need.
Note: Covers expenses related to non-payable items like gloves, syringes, etc.
Maternity Benefit(s)
Note: Covers expenses around maternity, IVF, adoption, surrogacy and more.
Available Add-ons
Note: Covers expenses for various outpatient benefits.
Exclusions
Note: To know more about the exclusions details, please refer to the policy wording.
About HDFC ERGO
HDFC ERGO General Insurance Company is a leading insurance company in the Indian insurance market. This company offers various types of insurance like health, motor, travel, home and other insurance. It is a joint venture between HDFC Ltd which is a housing finance company and ERGO International AG which is the insurance unit of Munich Re Group. HDFC ERGO is the most reputed brand known for innovating insurance product with hassle free claim settlement. This company has a wide range of comprehensive health insurance plans for individual and families with a wide hospital network.
FAQs
Restoration benefit automatically replenish the sum insured if the coverage is exhausted due to a medical claim during the policy term.
The waiting period for pre-existing illnesses is 3 years. The insured can apply for a claim after the completion of the waiting period.
Yes, the plan offers cashless hospitalization facility if you are admitted to the insurer network hospital.
No, there is no cap on room rent in this plan and there are no other specific sub-limits.
Yes, treatments requiring hospitalization for less than 24 hours such as cataract surgery, dialysis, and chemotherapy are covered.
No, this policy does not provide coverage for maternity and newborn baby expenses.
Yes, The child should be 91-180 days old at the time of adding the child to the policy after the policy issuance. Spouse will be added after 91 days of policy issuance, provided the date of marriage is after the date of policy issuance
No, there is no limit on room rent or any sub-limit on specific treatments or expenses.
Yes, the plan provides alternative treatments under AYUSH including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Policy renewal can be done online. Policyholders can contact us at 011 6932-0444, by email at support@liablecover.com, or by contacting their Relationship Manager.
Latest review
Dr. Sneha R.
I purchased the hdfc ergo optima secure plan through liablecover and have been impressed by its smart structure. The plan’s automatic 4X sum insured increase without any additional cost is a major advantage, especially in today’s high-inflation medical environment.
Liablecover support team was highly responsive, helped me understand the policy clearly, and handled all paperwork professionally.
