Summary
Optima Secure+ combines strong inbuilt benefits with multiple discounts and optional add-ons to deliver high value health insurance. Features like Secure, Infinite, Restore, and Protect Benefits ensure growing coverage and minimal out-of-pocket costs over time. The plan also offers savings through long-term, lifetime, loyalty, and deductible-based discounts. Optional add-ons provide flexibility to customise coverage for specific needs such as chronic care, critical illness, and maternity. Together, these elements help policyholders balance comprehensive protection with cost efficiency.
When choosing a health insurance plan, it’s not just about the base premium, it’s about the total value you get. HDFC ERGO’s Optima Secure+ stands out because it combines powerful inbuilt benefits that grow your coverage every year with multiple discounts that can significantly reduce your premium.
This guide explains all the discounts and add-ons available with Optima Secure+ so you can maximise savings while enjoying comprehensive, future-ready protection for you and your family.
Optima Secure+ comes loaded with four powerful features that are built into the plan by default:
Secure Benefit - Your base sum insured doubles instantly (100% of base sum insured added) from Day 1 at no extra cost.
Infinite Benefit* - Adds another 100% of the base sum insured at the end of every policy year, irrespective of claims made, with no upper limit on accumulation. Your coverage keeps growing year after year.
Automatic Restore Benefit (Unlimited Times)** - Fully restores the base sum insured unlimited times in a policy year after any admissible claim - so you never run out of cover even with multiple hospitalisations.
Protect Benefit# - Covers listed non-medical expenses (gloves, masks, nebuliser kits, attendant charges, etc.) in full, eliminating the usual 10–20% deductions from hospital bills.
These inbuilt benefits make Optima Secure+ far stronger than traditional plans that require you to buy such features as add-ons.
Optima Secure+ offers several ways to reduce your premium right from the start:
I. Long-term Discount^^
Pay in advance and enjoy:
6% discount on a 2-year policy
8% discount on 3-year and above policies
II. Lifetime Discount°
First-time retail health insurance buyers get an additional 5% lifetime discount if all insured persons are aged 35 years or below at policy inception.
III. Favorable Claims Experience Discount^
Up to 21% as a first-time buyer
Up to 18% on renewal This reward is for families that maintain a good claims history.
IV. Aggregate Deductible (Value Buy)
Choose a deductible (₹25,000 to ₹1,00,000) and save up to 65% on your premium.
V. Loyalty Discount
Enjoy an extra 2.5% on the base premium if you already hold any active HDFC ERGO retail insurance policy with premium above ₹2,000.
You can further customise your Optima Secure+ policy by adding these optional covers (available at extra premium):
ABCD Chronic Care - Covers hospitalisation for Asthma, Blood Pressure, Cholesterol & Diabetes from the 31st day.
my:health Hospital Cash Benefit - Daily cash for every day of hospitalisation.
Optima Wellbeing - Covers various outpatient benefits.
my:health Critical Illness - Lumpsum payout on diagnosis of listed critical illnesses.
Serious Illness Booster - Offering enhanced coverage for critical illness hospitalisation, applicable with an active HDFC ERGO retail health policy with ₹5 lakh+ sum insured.
Parenthood - Covers maternity, embryo storage & IVF treatments.
Limitless (India-only) - Pays specified number of claims up to an infinite value over the policy lifetime.
Individual Personal Accident Rider - Lumpsum for accidental death or permanent disability (for proposer only).
● Opt for a 3+ year policy to get the 8% long-term discount.
● If you’re a first-time buyer under 35, don’t miss the 5% Lifetime Discount.
● Add an Aggregate Deductible if you want maximum premium reduction.
● Combine the Favourable Claims Experience Discount + Loyalty Discount for even lower renewal premiums.
By smartly combining these discounts with the inbuilt Secure, Infinite, Restore, and Protect Benefits, families can enjoy growing, resilient coverage at a much lower cost.
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 premium.
The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.Was this article helpful?
Scan To Download
