Summary
Optima Secure+ supports chronic illness care with the ABCD Chronic Care add-on, enabling coverage for asthma, BP, cholesterol, and diabetes from day 31. Combined with features like unlimited growth, and automatic restore, it ensures continuous protection for recurring treatments.
Living with a chronic illness requires more than just managing day-to-day symptoms. It demands a robust, reliable health insurance plan that offers long-term financial support without frequent exhaustion of coverage or lengthy waiting periods. HDFC ERGO’s Optima Secure+, when paired with the ABCD Chronic Care add-on, provides a comprehensive solution tailored for individuals and families dealing with common lifestyle-related conditions such as Asthma, Blood Pressure (Hypertension), Cholesterol issues, and Diabetes.
Chronic conditions like diabetes, hypertension, high cholesterol, and asthma often involve ongoing medical management, regular monitoring, medications, diagnostic tests, and occasional hospitalisations due to complications. Traditional health insurance policies typically impose a 36-month waiting period for pre-existing diseases (PEDs), which can leave patients vulnerable during critical early years. Optima Secure+ addresses this gap by combining powerful built-in features with a targeted add-on that brings forward coverage for these four major conditions.
The ABCD Chronic Care is an optional add-on that can only be purchased along with the Optima Secure+ base policy (it cannot be bought standalone). Once opted for specific insured persons, it remains in force for the lifetime of the policy and renews automatically with the base policy.
Coverage Details:
● It indemnifies medical expenses that are otherwise covered under the base Optima Secure+ policy.
● Coverage applies to hospitalisation arising out of Asthma, Blood Pressure, Cholesterol, and Diabetes (including their complications).
● Waiting Period: Only a 30-day initial waiting period applies for claims under this add-on. No additional waiting periods apply specifically for these four conditions (other conditions follow the base policy’s waiting periods).
● Claims under this add-on reduce the Sum Insured of the base Optima Secure+ policy (there is no separate Sum Insured for the add-on).
● Coverage follows the same basis as the base policy, Individual/Multi-Individual or Family Floater.
Important Conditions:
● The add-on cannot be removed once opted.
● If you increase the base Sum Insured later, a fresh 30-day waiting period applies to the increased portion for these conditions.
● All other terms, exclusions, and conditions of the Optima Secure+ base policy continue to apply.
● Premium Loading: A loading percentage applies on the gross premium of the base policy depending on the remaining PED waiting period in the underlying product (e.g., 25% for 3-year PED, 15% for 2-year, 7.5% for 1-year).
Optima Secure+ is uniquely positioned to support chronic illness management through its core benefits that grow and replenish coverage over time:
i. Secure Benefit: Instantly doubles your Base Sum Insured (100% added) from Day 1 at no extra cost, providing immediate higher protection.
ii. Infinite Benefit*: Adds 100% of the Base Sum Insured at the end of every policy year, irrespective of claims made, with no upper accumulation cap. This ensures your coverage keeps expanding year after year to match rising healthcare costs.
iii. Unlimited Automatic Restore Benefit:** Fully restores the Base Sum Insured unlimited times in a policy year after any admissible claim (partial or full). This prevents coverage depletion even with multiple hospitalisations related to chronic complications.
iv. Protect Benefit#: Coverslisted non-medical/consumable expenses (gloves, masks, nebuliser kits, attendant charges, etc.) in full, eliminating the typical 10–20% out-of-pocket deductions common in chronic care bills.
v. Extended Pre & Post-Hospitalisation: 60 days pre- and 180 days post-hospitalisation coverage for related medical expenses.
vi. Room Rent at Actuals: No capping or proportionate deductions, choose any room without financial penalty.
Additional Supports: Home Healthcare (cashless in select cities), Domiciliary Hospitalisation, Annual Preventive Health Check-up (irrespective of claims), and E-Opinion for 51 critical illnesses.
These features ensure that even if hospitalisation occurs due to complications from asthma, BP, cholesterol, or diabetes (after the 30-day waiting period with the add-on), you benefit from restored and growing coverage plus minimal deductions.
This combination is particularly valuable for:
Individuals or family members already diagnosed with any of the four ABCD conditions.
Those seeking early coverage (from Day 31) instead of waiting 36 months.
People who want a policy that grows stronger over time and handles repeated claims without exhaustion.
Note: The add-on requires declaration of the conditions, which must be accepted by the insurer. Premium loading may apply based on the base policy’s PED status.
For individuals and families managing chronic and lifestyle diseases, Optima Secure+ with the ABCD Chronic Care add-on offers superior, future-ready support. It dramatically shortens the waiting period to just 30 days for Asthma, Blood Pressure, Cholesterol, and Diabetes hospitalisation expenses, while the base plan’s Infinite Benefit, Unlimited Restore, Secure Benefit, and Protect Benefit provide growing, resilient, and hassle-free coverage.
This combination transforms health insurance from a basic safety net into a true long-term healthcare partner, allowing you to focus on managing your health with confidence and financial security.
Disclaimer:
*Under Infinite Benefit, a sum equal to 100% of the expiring policy year’s Base Sum Insured shall be provided as an incentive irrespective of claims without any limit on accumulation. Long-term tenure policies are eligible for infinite benefit post each policy year completion. | **A Single claim in a policy year cannot exceed the cumulative addition of Base SI (at the start of the policy year) + Secure Benefit (remaining amount) + Infinite Benefit (if applicable - remaining amount). | #Please refer to the list of Non-Medical Expenses specified in the policy wording. | ^Get discount as per favourable claims experience discount mentioned in the policy wordings. | ^^Long-term tenure discount shall be applicable if the premium is paid in advance as a single premiumThe above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.*Under Infinite Benefit, a sum equal to 100% of the expiring policy year’s Base Sum Insured shall be provided as an incentive irrespective of claims without any limit on accumulation. Long-term tenure policies are eligible for infinite benefit post each policy year completion. | **A Single claim in a policy year cannot exceed the cumulative addition of Base SI (at the start of the policy year) + Secure Benefit (remaining amount) + Infinite Benefit (if applicable - remaining amount).
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