Top Benefits of Optima Secure+ in 2026

1. Infinite Benefit - Coverage That Keeps Growing Forever
Every policy year, 100% of your Base Sum Insured is added as extra coverage, with no upper accumulation cap.
Unlike the standard “Plus Benefit” in older plans (which caps at 100% of Base SI), Infinite Benefit has no ceiling. Year 10 adds exactly as much as Year 1. The longer you stay insured, the more powerful your policy becomes
Accrued Infinite Benefit carries forward on every renewal without break, irrespective of claims made. This is the ultimate inflation-beating feature.

2. Secure Benefit - Instant 2X Coverage from Day 1
From the very first day, your Base Sum Insured is doubled, 100% of the Base SI is added instantly at no extra cost.
This immediate boost forms the foundation on which the Infinite Benefit compounds year after year, giving you massive coverage right from the start.

3. Unlimited Automatic Restore Benefit - Coverage Restored Every Single Time
Every time an admissible claim reduces your Base Sum Insured, it is 100% restored unlimited times in a policy year.
No waiting for the next policy year. You never run out of protection, even after multiple claims. The accumulated Infinite Benefit can also be utilised for claims under Base Coverage and Protect Benefit.

4. Protect Benefit - Zero Deductions on Non-Medical Expenses
Say goodbye to the usual 10–20% deductions that eat into your claim.
Protect Benefit covers every listed non-medical expense such as gloves, masks, nebuliser kits, attendant charges, and more in full. Your hospital bill is maximised with zero out-of-pocket deductions on these items.

5. Room Rent at Actuals - No Caps, No Proportionate Deductions
Choose any room you want - single, deluxe, or suite. There is no room rent capping and no proportionate deduction on associated medical expenses.
The policy pays actuals, giving you complete freedom and peace of mind.

6. Enhanced 60 + 180 Days Pre- & Post-Hospitalisation Coverage
Medical expenses are covered for 60 days before and 180 days after hospitalisation (compared to the usual 30/90 days).
All related tests, medicines, doctor visits, and other expenses connected to the admission are fully covered.

7. Comprehensive Built-in Coverages at Actuals
● Hospitalisation expenses (room rent at actuals, ICU, surgery, etc.)
● All day-care procedures
● AYUSH treatment
● Home Healthcare (cashless in select cities)
● Domiciliary Hospitalisation
● Organ Donor expenses
● Emergency Air Ambulance (up to ₹5 lakh)
● Daily Cash for Shared Room (₹800/day, max ₹4,800)
● Preventive Health Check-up every year (irrespective of claims)
● E-Opinion on 51 critical illnesses
Base Sum Insured options: ₹10 / 15 / 20 / 25 / 50 / 100 / 200 lakhs.

Optima Secure+ is built for smart, long-term planning:
● Long-term Discount: 6% for 2-year policy | 8% for 3-year and above
● Favourable Claims Experience Discount: Up to 21% for first-time buyers | Up to 18% on renewals
● Lifetime Discount: Additional 5% if all insured members are 35 or below at inception (continues for life)
● Family Discount: 10% when 2 or more family members are covered
● Loyalty Discount: 2.5% if you hold any other HDFC ERGO retail policy (₹2,000+ premium)
● Aggregate Deductible (Value Buy): Choose ₹25,000 to ₹5 lakh deductible and enjoy up to 65% discount on premium

You can also opt for Easy Switch – waive your chosen deductible after 5 years (one-time option, subject to conditions).