Insurance Company
HDFC ERGO General Insurance
Policy Name
Optima Secure+
Expert Overview -
HDFC ERGO was established over 23 years ago and has built strong credibility over time. This is reflected in the consistent performance metrics and reliability it has maintained across its health insurance portfolio.
Plan Strategy -
Next-generation health insurance plan with Infinite Benefit – 100% of base sum insured added every year on renewal regardless of claims. Combined with 2X cover from Day 1, unlimited restoration, and zero room rent capping, this plan offers one of the deepest health coverages in India.
Network Hospitals
16,000+
>8,500 recommended
Claim Ratio
97.06%
>95% recommended
Complaints
10.673
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping – payable at actuals
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub-limits applicable
No sub-limit
Secure Benefit (2X Cover Day 1)
Doubles your base sum insured from Day 1 at no extra cost
2X base sum insured from Day 1
2X cover from Day 1
Infinite Benefit
100% of base sum insured added every year on renewal, regardless of claims
100% base SI added every year – no upper cap
Unlimited accumulation
Restoration Benefit
Even after claim, base cover gets restored
Unlimited automatic restoration in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
180 days
At least 120 days
Consumables (Protect Benefit)
Coverage for non-medical consumable items like gloves, PPE kits, syringes
Listed non-medical consumables covered
Consumables covered
Day-Care Procedures
Procedures that don't require 24-hour hospitalization
500+ day-care procedures covered
Wide day-care coverage
Air Ambulance
Emergency air ambulance coverage
Up to ₹5 lakhs
Included
AYUSH Treatment
Ayurveda, Yoga, Unani, Siddha, Homeopathy
Fully covered
Included
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
ABCD Chronic CareCovers hospitalisation expenses for Asthma, Blood pressure, Cholesterol, and Diabetes from the 31st day of the policy
ParenthoodMaternity expenses between ₹50,000 and ₹2,00,000, embryo storage costs and IVF treatments with 2-year waiting period
Optima WellbeingOutpatient benefits including unlimited tele and in-clinic consultations with physicians from network partners
LimitlessPays for a specified number of claims up to an infinite value over the lifetime of the policy (India claims only)
Serious Illness BoosterIndemnity-based coverage with double sum insured for listed critical illnesses
Value Buy (Aggregate Deductible)Choose a deductible (₹25,000 to ₹5,00,000) for up to 65% premium discount; waivable after 5 continuous policy years
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
24 months
Pre-Existing Disease
36 months
