HDFC Ergo

Optima Secure is an exceptional policy with no room restrictions, offering a 50% increase in sum insured at each renewal, up to 100%. With the Secure benefit, you can eventually enjoy 3X the original coverage. It's a fantastic successor to Optima Restore, providing comprehensive and enhanced protection.

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whatWeLike What We Like

This section highlights the strengths and benefits of Optima Secure policy by HDFC Ergo. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Secure Benefit

Double Coverage Benefit: When you buy a policy with a cover of ?10 lakhs, you are automatically entitled to a cover of ?20 lakhs starting from day 1.

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You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Good Restoration Benefit

Multiple Hospitalizations: After a partial claim, the insurer will fully restore your cover for any future hospitalizations within the same year, allo...

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Special bonus for renewing the policy

Sum Insured Increase (50% Annually, Cap at 100%): Your sum insured increases by 50% each year irrespective of your claim status. However, the sum insu...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (60 days/180 days): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The in...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Free Health Checkups

Annual Full Body Check-Up: The insurer will cover the costs if you plan to get a full body checkup every year to ensure you're in good health. (Note: ...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Optima Secure policy by HDFC Ergo. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Coverage After 3 Years: If you have diabetes, cardiovascular problems, or similar illnesses, the insurer covers all related costs after a 3-year waiti...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Optima Secure in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Optima Secure Plan is available for individuals aged 18 to 65 years, with options to cover family members.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

The plan covers hospitalization expenses up to the sum insured, including room rent, ICU charges, and doctor’s fees.

Yes, the plan includes a No Claim Bonus, increasing the insured amount by 10% each year you don't make a claim, up to 50%.

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