Product Details:

HDFC ERGO Optima Secure redefines the value you get from health insurance, with SO MUCH benefits
that give an incredible 4X coverage at no additional cost.

So Much Coverage ,
So Much Choice
So Much Trust
​​​​​​​So Much Savings
So Much More...

Get So Much Coverage* Guaranteed^^

  • Secure Benefit - 2X coverage from day 1
    The base cover you opt for gets doubled instantly upon purchase, without having the need to claim it.

  • Plus Benefit - 100% increase in coverage after 2 years
    The base cover increases by 50% after 1 year and 100% after 2 years, irrespective of any claims made.

  • Restore Benefit - 100% restore coverage
    If a claim is made, 100% of the base sum insured gets restored in the policy automatically.

  • Protect Benefit - Zero deduction on non-medical expenses
    Zero deductions on listed non-medical expenses to maximise your claim during hospitalisation.

All the above benefits of Optima Secure work together to give 4X coverage than the chosen cover.

So Much Coverage

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

  • Preventive health check-ups
    Get health check-ups after completion of each year and irrespective of claims

  • Get up to 50% discount on premium
    Choose to pay a small amount on claim and get up to 50% discount on premium year-on-year

  • Daily cash for shared room
    Get daily cash of INR 800 per day, up to a maximum of INR 4,800 on hospitalisation, as out-of-pocket expenses

  • Room rent at actuals
    Expenses on room rent covered without any capping

  • E-opinion on 51 illnesses
    Avail e-opinion on 51 critical illnesses through network provider in India

So Much Choice

  • Coverage
    From INR 5 lakhs to 2 crores

  • Policy options
    Individual and Family Floater options

  • Tenure
    Policy tenure from 1 to 3 years

  • Premium instalment options
    Monthly/Quarterly/ Half Yearly

  • Age Limit
    Minimum Age - The minimum entry age for a dependent child (who is, natural or legally adopted) is 91 days and maximum entry age is 25 years.
    Maximum Age - The maximum entry age is 65 years. There is no maximum cover ceasing age in this policy.

So Much Savings

  • 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

So Much Trust

  • Network of healthcare providers 
    13,000+ healthcare providers**

  • Customer service
    24x7 call centre servicing in 10 languages

  • Family of millions
    Family of 1.5+ Cr happy customers@

  • Quick turnaround time
    Offers quick turnaround time, reducing pre-authorisation hurdles.

  • Quick claim payment 
    Get quick claim settlements, to honour every genuine claim. 

  • Tax savings 
    Get income tax benefits under section 80D of the Income Tax Act°

  • Lifelong renewal 
    Renew your insurance cover for life

  • No claim-based loading 
    No loading of renewal premium just because you claimed it or fell ill after taking the policy​​​​​​​

  • Claims Procedure

    Initiate a claim or to know about the process visit HDFC ERGO Health Insurance Claim Process to initiate/Track a claim.


    Connect on HDFC ERGO’s Whatsapp no 8169500500


    Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

Terms of renewal

  • Life-long renewal - Get access to life-long renewal regardless of your health status or previous claims made under your policy, except on grounds of fraud or misrepresentation by the insured person. 

  • Waiting period – The waiting periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your policy. 

  • Renewal premium - These are subject to change with prior approval from IRDAI. Any change in benefits or premium (other than due to change in age) will be done with the approval of the Insurance Regulatory and Development Authority and will be intimated at least 3 months in advance. 

  • Withdrawal of policy - In the likelihood of this policy being withdrawn in future, intimation will be sent to insured person about the same 3 months prior to expiry of the policy. Insured person will have the option to migrate to similar indemnity health insurance policy available at the time of renewal with all the accrued continuity benefits, waiver of waiting period etc; provided the policy has been maintained without a break as per portability/migration guidelines issued by IRDAI. 

  • Migration - Any insured person in the policy has the option to migrate to similar indemnity health insurance policy available at the time of renewal subject to underwriting with all the accrued continuity benefits, waiver of waiting period etc; provided the policy has been maintained without a break as per portability/migration guidelines issued by IRDAI. 
  • Portability - This plan offers you easy portability. So, if you are insured under another insurer's health insurance policy you can transfer to HDFC ERGO General Insurance Company Limited with all your accrued benefits at the time of renewal subject to underwriting guidelines, after due allowances for waiting periods and enjoy so much coverage. 

So, get access to SO MUCH benefits with your Optima Secure, today!

Standard exclusions and waiting periods

  • Standard exclusions 

Investigation and evaluation purposes | Obesity control | Cosmetic surgery | Hazardous sports | Breach of Law | Alcoholism, drug or substance abuse | Unproven treatments | Sterility and infertility | Maternity 

  • Waiting periods 

30 days initial waiting period | 24 months waiting period on specific illnesses & surgical procedures | 36 months waiting period on pre-existing diseases 

For complete list please refer the policy wordings. 

  • Section 41 of Insurance Act 1938 (Prohibition of Rebates): 

1. No person shall allow or oer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the prospectus or tables of the insurers. 2. Any person making default in complying with the provision of this section shall be punishable with fine which may extend to Ten Lakh Rupees.


  • Terms & Conditions Apply. ~~This is a one-time option which can only be availed if the eldest member is less than 50 years at the time of purchasing this Policy (with aggregate deductible) and is less than 61 years at the time of availing this option, subject to underwriting. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For additional covers, additional premium will be charged. For in-depth details on terms and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs. ^^Get Guaranteed Secure, Plus, Protect and Restore Benefits. Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lakh up to Base Sum Insured of equal to or less than 20 lakhs. •Based on claims of FY 2020-2021. **Healthcare Providers include Network hospitals and Diagnostic centers. Data as on March 2022. Please refer to the website www.hdfcergo.com for an updated network list. @As on July, 2022. °Subject to change in tax laws. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. HDFC Bank Limited (Senapati Bapat Marg, Lower Parel, Mumbai - 400 013) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0010.