HDFC ERGO Optima Super Secure

A health insurance plan that gives you SO MUCH more benefits.

All You Need To Know

Product Details

HDFC ERGO Optima Super Secure redefines the value you get from health insurance, with SO MUCH benefits
that give an incredible 5X 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 - 3X 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 Super Secure work together to give 5X 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 ₹1000 per day up to a maximum of ₹6000 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 10 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 Super 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
    12,000+ 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 Super 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. *5X 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 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.


1. How many benefits does Optima Super Secure provide?

Optima Super Secure individual plan policy offers a range of coverage benefits forOptima Super Secure is a comprehensive health insurance plan that provides a range of benefits for policyholders. These benefits include the following –

● Hospitalization expenses

● Road and Air ambulance costs

● Daycare treatments

● Home Healthcare

● Domiciliary Hospitalization

● AYUSH treatments

● Pre and post-hospitalization expenses for 60 days and 180 days respectively

● Organ donor expenses

Furthermore, you get the following unique features too –

● Secure Benefit – that triples the insurance cover you buy, instantly and automatically. This means that you get a 3X coverage from day 1,

● Protect benefit- Zero deduction on listed non medical expenses

● Get e-opinion on 51 critical illnesses through network provider globally.

● Allowance for daily cash if you choose a share accommodation in a network hospital

● Preventive medical check-ups subject to specified limits irrespective of claim status

● Plus Benefit - the base cover you choose for yourself automatically increases by 50% after 1 year, and 100% after 2 years, irrespective of any claims made.

● Restore benefit -100% of the base cover gets restored automatically in the event of complete or partial utilization of the Base Sum insured due to any admissible claim.

2. What is the waiting period applicable under Optima Super Secure?

Optima Super Secure has the following waiting periods specified under the plan –

● Pre-existing illnesses are covered after a waiting period of 36 months. The waiting period reduces every year on successful renewals. Even if you port an existing policy to Optima Super Secure, you get a credit for the waiting period already lapsed in the last policy. In the case of enhancement of the sum insured, however, the waiting period of 36 months would apply again to the increased amount.

● Specific illnesses and treatments are covered after a waiting period of 24 months.

● Initial waiting period of 30 days is applicable from the start date of the policy coverage. The plan would not cover illnesses that occurred during this period of 30 days. However, you get coverage for accidental injury from the first day of the plan itself.

3. Is pregnancy covered under the Optima Super Secure policy?

No, pregnancy is not covered under Optima Super Secure.

4. How do I renew my Optima Super Secure plan?

You can renew your Optima Super Secure in multiple ways. These include the following –

● Online through the website of HDFC ERGO

The fastest and the easiest way to renew HDFC ERGO Optima Super Secure plan is online by visiting the website of the insurance company. The process is quite simple and discussed as follows:

● Click on

● Fill in your policy number, registered email ID, and phone number

● Click on the “Renew” option

● The details of your existing policy would be displayed along with the renewal premium

● Pay the renewal premium online and your policy would be issued instantly

● Offline by visiting the branch office of HDFC ERGO

You can visit the nearest branch office of the insurance company to renew your plan. When you visit the branch of HDFC Ergo, you would have to specify the policy number and make payment of the renewal premium through cheque, or other means available at the office. Once the premium is paid, your policy would be renewed. Please note: - Customer can also pay by PG payment link (received from Inbound or Outbound call center).

● Through an intermediary

You can renew your HDFC ERGO Optima Super Secure Individual plan through an intermediary of HDFC ERGO. You can get in touch with a broker or an agent and apply for renewing your policy. All you have to do is pay the renewal premium to the agent who would deposit it to the insurance company and your plan would be renewed.

Optima Super Secure offers lifelong renewability. The plan can be renewed every year throughout your life without any ceasing date. To enjoy uninterrupted coverage benefits, you should remember to renew your policy within the due date or within the grace period offered under the plan.

You can also opt for enhancement of the sum insured at renewal subject to underwriting guidelines.

5. Does HDFC ERGO offer a portability option?

Yes, HDFC ERGO offers a portability option. You can port into the Optima Super Secure or port out of it. To port, you would have to request with the insurance company at least 45 days before the policy renewal date. However, the porting request should not be submitted earlier than 60 days from the renewal date.

After you request porting, the insurance company would assess your request, verify it and allow you to switch your coverage to another plan or another insurer.

6. What are additional treatments & conditions covered under this plan?

HDFC ERGO Optima Super Secure offers two optional add-ons that you can avail of to enhance the coverage. These add-ons are as follows –

● my: Health Critical illness ( add-on)

Get comprehensive coverage for 51 critical illnesses.with sum insured options of INR 100,000 to INR 200,00,000 and in multiples of INR 100,000.

● my :Health Hospital Cash Benefit ( add-on )

Get a daily cash allowance in case of Hospitalization for 24 hours or more up to maximum of 30 days. There are various sum insured options from Rs. 500, to Rs. 10,000. You can choose one or both of these add-ons and avail of a wider scope of coverage.