• 60 & 180 Days Pre & Post Hospitalisation Covered
  • Instead of 30 and 90 days availed normally, Optima Secure+ covers medical expenses for 60 days pre and 180 days post hospitalisation.
    
• Home Healthcare
  • This policy covers treatment availed from the comfort of your home, and as per everyone’s convenience on cashless basis.
    
• Daily Cash For Shared Room
  • With this, daily cash of ₹800 per day up to a maximum of ₹4,800 on hospitalisation is provided as out-of-pocket expenses when you choose a shared accommodation in a network hospital, and the hospitalisation period exceeds 48 hours.
• Preventive Health Check-up
  • You will be provided preventive health check-up benefits post completion of every policy year, irrespective of claim status.
• E-Opinion
  • Get e-opinion on 51 critical illnesses through network providers in India.
• Hospitalisation Expenses
  • Covers medical expenses incurred at the time of hospitalisation that include room rent at actuals, ICU expenses, nursing expenses, surgeon’s fee, road ambulance charges and so on. It also covers all day care treatments that require hospitalisation for less than 24 hours.
• AYUSH Treatment
  • Optima Secure+ covers in-patient care treatment expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
• Domiciliary Hospitalisation
  • Secures all medical expenses during domiciliary hospitalisation.
• Organ Donor Expenses
  • Get reimbursements for medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated.
• Emergency Air Ambulance
  • The policy pays for air ambulance transportation services during your emergency needs.

Note: Please read the policy wordings for detailed information about optional covers/add-ons.

• Flexible Coverage Options: Choose a base cover ranging from ₹10 lakh to ₹2 crore.
• Policy Options: Select between Individual and Family Floater plans.
• Flexible Tenure: Choose policy tenure of 1, 2, or 3 years.

• ABCD Chronic Care
  • Covers hospitalisation expenses for Asthma, Blood pressure, Cholesterol and Diabetes from the 31st day
• Optima Wellbeing (Add-on)
  • Covers various outpatient benefits
• my: health Hospital Cash Benefit (Add-on)
  • Get a per day daily cash amount for each completed day of hospitalisation
• Individual Personal Accident Rider (only for the insured proposer)
  • Lumpsum payout in case of an unfortunate Accidental Death or Permanent Disability
• my: health Critical Illness
  • Lumpsum payout on diagnosis of a listed critical illness
• Limitless (For claims made in India only)
  • Pays for a specified number of claim(s) up to an infinite value in the lifetime of the policy
• Parenthood
  • Covers maternity expenses, embryo storage costs and IVF treatments
• Serious Illness Booster
  • Critical illness add-on that works on an indemnity basis with double sum insured - reimbursing actual medical expenses for listed critical illnesses

A deductible is an amount you agree to pay at the time of claim once in a policy year, post which our coverage kicks in. You can choose from the below deductible options and enjoy up to 65% discount on your premium.

• Lifetime Discount°
  • If you are a first-time buyer of health insurance, get an additional discount of 5% if all insured person(s) age at the time of inception of the policy is 35 years or below
• Favourable Claims Experience Discount^
  • Get up to 21% discount as a first-time buyer of health insurance and up to 18% discount on policy renewal.
• Loyalty Discount
  • With it, you will be eligible to get a discount of 2.5% on the base premium if you have an active HDFC ERGO retail insurance policy with premium above ₹2,000.
• Family Discount
  • Get discount of 10% if two or more family members are covered under the same policy under the individual policy option.
• Long-term Discount^^
  • Save more with extended policy durations, receive 6% off for a 2-year policy term and 8% off for 3-year and above policy term.
    
     

*Disclaimer: The information provided on this page is for general informational purposes only and is subject to the terms, conditions, exclusions, waiting periods, and underwriting guidelines of the HDFC ERGO Optima Secure+ policy. Please read the sales brochure and policy wording carefully before purchasing. Insurance is the subject matter of solicitation.