my : Optima Secure - Global Plans Individual - HDFC ERGO General Insurance

Secure benefit 2X coverage from day 1 for claims made in India. The base cover you opt for gets doubled instantly upon purchase, without having the need to claim it.
Plus benefit 100% increase in coverage after 2 years. The base cover increases by 50% after 1 year and 100% after 2 years, irrespective of any claims.
Restore benefit 100% restore coverage for claims made in India. If a claim is made, 100% of that amount gets restored in the policy automatically, max up to base cover.
Protect benefit Non-medical expenses. Zero deductions on listed non-medical expenses to maximize your claim during hospitalization.

Worldwide coverage including India
Optima Secure Global Provides comprehensive health cover for medical expenses in India as well as emergency medical treatment expenses which are diagnosed and incurred overseas.
Optima Secure Global Plus Provides comprehensive health cover for medical expenses in India as well as emergency and planned medical treatment expenses which are diagnosed and incurred overseas.

If you chose a sum insured of Rs 1 Cr, you get
Secure Benefit instantly makes 1 Cr base cover to 2 Cr, at no extra cost (1 Cr + 1Cr).
Plus benefit adds 100% sum insured on two continuous renewals making the total coverage to 3 Crores (1 Cr + 1 Cr + 1 Cr).
Restore Benefit, with this benefit you get 100% base covered restored. When you make a claim of partial or total base cover (1 Cr).
Congratulations! With these benefits you can get 4 Cr health cover in 2 years (1 Cr+1 Cr+ 1 Cr+ 1 Cr).

If you chose a sum insured of Rs 1 Cr, you get
Plus benefit adds 100% sum insured on two continuous renewals making the total coverage to 3 Crores (1 Cr + 1 Cr).
Congratulations! With these benefits you can get 2 Cr health cover in 2 years (1 Cr+ 1 Cr).

Renewal Benefits To help you keep track of your health status, we provide preventive health check up benefit in India post completion of every policy year, irrespective of claim status.
Plus Benefit: Doubles your coverage in two years, irrespective of claims For example: In 2021, you bought Optima Secure Global with Rs 1 Cr sum insured; in 2023 you will have a sum insured of Rs 2 Cr even if you have made claims in the last 2 years.
Optima Secure Global is renewable lifelong, once you have secured yourself with Optima Secure Global, you don’t have to ever change your policy or exit from the plan.

Daily cash for shared room: Hospitalized in a shared accommodation for more than 48 hours in India? Get a daily cash of Rs 800/day up to a maximum of Rs 4800.
Protect Benefit: Go cashless with in-built coverage for disposable items like gloves, masks, food charges, and other consumables during hospitalization.
e–opinion for critical illness: We will pay for the expenses incurred by you towards E-Opinion for defined Critical Illnesses availed from an expert through the network provider.
No geography based co-payment: No matter where you choose to get treated, we do not apply co-payments based on locations.
No claim based loading: It means we will not increase your premium on a yearly basis if you make claims or fall sick post buying Optima Secure Global.

Congenital external diseases, cosmetic surgery or weight control treatments.
Hospitalization due to war or an act of war or due to nuclear, chemical or biological weapon and radiation or any kind.
2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
Pregnancy, dental treatment, external aids and appliances.

30 days initial waiting period for hospitalization other than accidental injuries.
24 months waiting period on specific illnesses and surgical procedures.
36 months waiting period on pre-existing diseases.