🔹 Introduction
In 2025, securing your health and finances is more crucial than ever. HDFC ERGO’s Optima Secure Health Insurance stands out by offering up to 4 times your base sum insured, ensuring robust protection against escalating medical costs.
🔑 Key Features of Optima Secure
1. 4X Health Coverage
Optima Secure enhances your coverage through:
- Secure Benefit: Instantly doubles your base sum insured from day one.
- Plus Benefit: Increases your sum insured by 50% after the first renewal and by 100% after the second renewal, irrespective of claims made.
- Automatic Restore Benefit: Restores 100% of the base sum insured once in a policy year upon exhaustion.
- Protect Benefit: Covers 68 non-medical expenses like gloves and masks, maximizing your claim during hospitalization. (Ditto, HDFC ERGO)
2. Comprehensive Coverage
- Pre & Post-Hospitalization: Covers expenses 60 days before and 180 days after hospitalization.
- Daycare Procedures: Includes treatments not requiring 24-hour hospitalization.
- Organ Donor Expenses: Covers costs related to organ donation.
- AYUSH Treatments: Covers in-patient treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
- Home Healthcare: Provides coverage for treatments at home if advised by a doctor.
- Air Ambulance: Covers air ambulance expenses up to ₹5 lakhs.
3. No Sub-Limits
Enjoy freedom from room rent capping, disease-specific limits, and co-payment clauses, allowing you to choose any hospital room category without financial constraints. (HDFC ERGO)
4. Flexible Payment Options
Optima Secure offers no-cost installment plans, enabling you to pay premiums monthly, quarterly, half-yearly, or annually without additional charges. (HDFC ERGO)
5. Attractive Discounts
- Online Discount: 5% off on base premium for online purchases.
- Family Discount: 10% off when covering two or more members.
- Long-Term Discount: 7.5% off for a 2-year policy and 10% off for a 3-year policy when paid in advance.
- Loyalty Discount: 2.5% off for existing HDFC ERGO retail policyholders with premiums above ₹2,000.
🧾 Eligibility Criteria
- Minimum Entry Age: Adults – 18 years; Children – 91 days.
- Maximum Entry Age: Adults – 65 years; Children – 25 years.
- Coverage Type: Individual and Family Floater.
- Renewability: Lifelong. (Policybazaar)
📄 Documents Required
- Aadhaar Card
- PAN Card
- Recent Photograph
- Age Proof
- Medical Reports (if any)(Wikipedia, Policybazaar)
❌ Exclusions
- Dental and cosmetic treatments
- Self-inflicted injuries
- Pre-existing diseases (until waiting period ends)
- Pregnancy and childbirth (in basic plans)
- Alternative treatments (unless covered)
💡 Optional Add-Ons
- Unlimited Restore: Restore your sum insured an unlimited number of times within a policy year.
- Aggregate Deductible: Opt for a voluntary deductible to reduce premiums.
- Optima Wellbeing: Access unlimited doctor visits, fitness sessions, and discounts on lab tests.
- Parenthood Cover: Covers maternity-related expenses, including IVF treatments.
- Limitless: Remove caps on claim amounts for catastrophic illnesses.
- ABCD Chronic Care: Reduces waiting period for chronic illnesses like Asthma, Blood Pressure, Cholesterol, and Type 2 Diabetes from 3 years to 30 days. (Ditto, Policybazaar)