HDFC
Optima Secure
HDFC ERGO
Trusted health insurance from HDFC ERGO
Sum Insured₹3 Lakhs - ₹1 Crore
PremiumStarting ₹9,200/year
Claim Ratio88%
About Optima Secure
HDFC ERGO Optima Secure is a comprehensive health insurance plan with restore benefit, OPD cover option, and wide network of cashless hospitals across India.
Key Features
Sum insured up to ₹1 crore
100% restore benefit
Pre and post hospitalization cover
Domiciliary treatment
OPD cover (optional)
AYUSH treatment
Ambulance charges covered
Health check-up benefit
Eligibility
AgeEntry: 18-65 years, Renewal: Lifelong
Sum Insured₹3 Lakhs to ₹1 Crore
Medical TestRequired for age 46+ and high sum insured
Waiting Period30 days initial, 3 years for pre-existing
What's Covered
In-patient hospitalization
Pre-hospitalization (60 days)
Post-hospitalization (90 days)
Day care procedures
Emergency ambulance
Organ donor expenses
Bariatric surgery (with conditions)
Exclusions
- Pre-existing conditions (3 year waiting)
- Cosmetic procedures
- Dental unless accidental
- Experimental treatments
- Self-inflicted injuries
Pros & Cons
Advantages
- Trusted HDFC brand
- Wide hospital network
- OPD cover option available
- Good restore benefit
- Smooth claim process
Disadvantages
- Premium slightly higher
- Some sub-limits on room rent
- Pre-existing waiting period is 3 years
Frequently Asked Questions
Optima Secure
(4.5)
- Sum Insured₹3 Lakhs - ₹1 Crore
- PremiumStarting ₹9,200/year
- Claim Ratio88%
- TypeHealth Insurance
IRDAI registered insurer
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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.