HDFC Ergo health insurance company had recently launched HDFC Ergo Optima secure policy. Optima Secure provides multiple benefits like 2X cover from day 1 and 50% increase in sum insured from 2nd year and again 50% increase in 3rd year too. Optima Secure also provide restore benefit on partial or complete use of sum assured from second claim onwards.
Table of Contents
HDFC Optima Secure Policy -Important Features
HDFC Optima Secure -SECURE Benefit
Optima secure plan provides you double insurance cover from day 1. This also means you do not need to activate the double insurance cover.
For instance if you buy 10 lakh then instantly you get 20 lakh rupees coverage at no additional cost. In other words you are covered for double sum insured.
HDFC Optima Secure -Plus Benefit
Under plus benefit the sum insured is automatically increases by 50% after 1 year and to 100% after 2 years irrespective of any claim made.
For instance,Mr.Sharma bought 10 lac cover
He instantly get covered for Rs 20 lac from day 1 itself.
In the second year his SA will be increased by 5 lac. So his cover amount will be 25 lac from second year.
In the third year his SA will be again increased by 5 lac. So his cover amount will be 30 lac from the third year.
HDFC Optima Secure -Restore Benefit
Sum insured is restored on partial or total claim in any policy year ( applicable from second claim onwards)
HDFC Optima Secure -Protect Benefit
HDFC Optima secure also provides guaranteed covers non medical expenses like gloves, mask nebulizer kits etc.
This is an inbuilt option in the plan and automatically available at no extra charge.
Generally, the non medical expenses, specially after covid, are not covered in a standard policy. But HDFC Optima secure provide this at no extra cost to you.
How Optima secure works?
HDFC Ergo Optima Secure Features & Eligibility
| Feature | HDFC Ergo MY Optima Secure ( BestinvestIndia.com) |
| Minimum Age at Entry | 91 days |
| Maximum Age at entry | 65 years ( 25 years for dependent child) |
| Sum Assured | 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac,1 crore, 2 crore |
| Room Rent | SA less than 50 lakh- Single AC Private room , SA ABOVE 50 lakh – any room |
| Sub limit | No room rent capping |
| Renewability | life long |
| Pre hospirtalization | 60 days prior |
| Post Hospitalization | 180 days after hospitalization |
| Waiting Period | 30 days initial waiting period |
| Pre existing cover | 24 months waiting period on specific illnesses & surgical procedures | 36 months waiting period on pre-existing diseases |
| Day care procedures | Up to sum assured |
| Domiciallry treattment | Up to sum assured |
| Ambulence | up to sum Assuared |
| Air ambulence | up to 5 lac |
| Organ donor | up to sum Assuared |
| Restore Benefit | 100% of basic SA ( for any illness any insured person |
| Unlimited Restore benefit | covered |
| Multiplier benefit/ Bonus | Named as PLUS BENEFIT – Bonus of 50% of basic SA for every claim free policy year, maximum up to 100% of SA. In case of a claim, accumulated bonus will be reduced by 50% |
| E Opinion in respect of a critical illness | One per policy year ( for 51 defined list) |
| Daily cash for choosing shared accomodation | 800/day ( max 4800) if hospitalization exceeds 48 hrs |
| Stay active Benefit | NA |
| Tax benefits under 80D | Tax benefits under 80D of Income Tax Act |
| renewal | life time Renewal |
| Preventive health check up | every policy year individual SA 5 lac – 1500, Floater 5 lac -2500 |
| Premium Individual – | |
| 5 lac | Age 34 -13688 |
| 10 lac | Age 35 -13865 |
| Family Floater | |
| Age of family members | |
| Sum Assured-5 lac | |
| Sum Assured-10 lac | |
| Alternate treatment | yes- Ayurveda,Yoga , naturopathy,unani,Siddha and homeopathy |
| Ayush Treatment | In patient hospital expenses |
| Home healthcare | covered |
| Secure benefit | Instatly get covered for double SA |
| Protect Benefit | Non medical expenses are covered Up to 10-20% of medical bills) |
Reduce Premium by opting for deductible
If you feel premium is too high for the policy, one can opt for a deductible of 25K, 50K or 1 lac and buy policy at reduced premium by 25%,40% and 50% respectively for Sum Assure up to 20 lakh.
This also means you will pay initial bill amount of 25K, 50K or 1 lac if you opt for deductible.
Pro Tip: Do not take this option as initial bill payment will be quite high for your pocket. Instead buy some other plan and increase your coverage by adding a super top up plan.
Read more about – how to increase health insurance cover cost effective way
Health Insurance-Which is better family floater or individual
Preventive health Checkup
How much health insurance is enough
HDFC Optima Secure Brochure
