Optima Secure+ in one table
| Insurer | HDFC ERGO General Insurance Company Limited |
|---|---|
| Sum insured | ₹10 lakh to ₹2 crore, in tiers of 10 / 15 / 20 / 25 / 50 / 100 / 200 lakh |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Optima Secure+ covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from HDFC ERGO's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | No co-payment | No Co-payment |
| Room Rent Limit | No room rent capping – payable at actuals | No room rent capping |
| Disease sub-limit | No sub-limits applicable | No sub-limit |
| Secure Benefit (2X Cover Day 1) | 2X base sum insured from Day 1 | 2X cover from Day 1 |
| Infinite Benefit | 100% base SI added every year – no upper cap | Unlimited accumulation |
| Restoration Benefit | Unlimited automatic restoration in a policy year | 100% restoration once in a year |
| Pre-Hospitalization | 60 days | At least 60 days |
| Post-Hospitalization | 180 days | At least 120 days |
| Consumables (Protect Benefit) | Listed non-medical consumables covered | Consumables covered |
| Day-Care Procedures | Covered up to the sum insured | Covered without a capped list |
| Air Ambulance | Up to ₹5 lakh per policy year | Included |
| AYUSH Treatment | Fully covered | Included |
| Entry age | Adults from 18, no upper limit · children 91 days to 25 years | No maximum entry age |
Optima Secure+ add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Optima Secure+ discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Favourable claims experience | Up to 21% | For a first-time health insurance buyer, and up to 18% at renewal. |
| Lifetime discount | Up to 5% | First-time buyers where every insured person is 35 or under when the policy starts. It then applies to every renewal. |
| Family discount | Up to 10% | Two or more family members covered under the same policy on the individual option. |
| Long-term discount | Up to 6% or 8% | 6% on a 2-year policy, 8% on 3 years or longer, when paid up front. |
| Loyalty discount | Up to 2.5% | If you already hold an HDFC ERGO retail policy with a premium above ₹2,000. |
| Value Buy deductible | Up to 65% | In exchange for paying the first ₹25,000 to ₹5 lakh of claims each year yourself. |
From the plan brochure. Discounts apply to the base premium and can stack, subject to the insurer's rules.
Optima Secure+ waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Specific Illness | 24 months |
| Pre-Existing Disease | 36 months |
The named illnesses that wait 24 months
Covered once the policy has run 24 months without a break; an accident is covered from day one. This list is indicative – your policy wording carries the full set, which also includes conditions such as cataract and joint replacement.
Optima Secure+ exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Optima Secure+ falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Optima Secure+ questions, answered
Does Optima Secure Plus have a room rent limit?
No. You can be admitted to any room category the hospital offers, and no proportionate deduction is applied to the rest of your bill because of the room you chose. That matters more than it sounds – on plans that do cap room rent, picking a room one tier above your limit can cut the entire claim, not just the room charge.
How does the sum insured actually grow?
Two things stack. The Secure Benefit doubles your base cover from day one at no extra premium, so ₹10 lakh behaves as ₹20 lakh immediately. The Infinite Benefit then adds 100% of your base sum insured every year at renewal, with no upper cap and regardless of whether you claimed. It is not a no-claim bonus – a claim does not reset it.
What are the waiting periods?
Three run in parallel. Any hospitalisation other than an accident waits 30 days. A named list of specific illnesses waits 24 months. Pre-existing conditions wait 36 months, which is the maximum IRDAI permits under the Insurance Products Regulations, 2024. The ABCD Chronic Care add-on can cut the pre-existing wait for asthma, blood pressure, cholesterol and diabetes to 30 days.
How many times can the cover be restored in a year?
Unlimited, and the restoration applies to the same illness as well as a different one. If a single long admission exhausts your cover and the same condition puts you back in hospital weeks later, the refilled cover is still available to you. Many plans restore only for an unrelated illness, which is the restriction that catches people out.
Are consumables covered?
Yes, through the built-in Protect Benefit. Gloves, PPE, syringes and the rest of the non-medical items that hospitals bill separately are paid by the insurer rather than deducted from your claim. On most plans this is a paid add-on, and it is a common reason a settled claim still leaves a bill behind.
Is this plan available at a ₹5 lakh sum insured?
No. Optima Secure Plus starts at ₹10 lakh. If you are looking at ₹5 lakh, you are looking at a different product – check whether the quote you have been given is for the base Optima Secure, which is a separate plan with a different bonus structure and a different premium.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other HDFC ERGO plans we have read
HDFC ERGO files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.