Summary
Optima Secure+ offers family-focused health coverage with growing benefits and long-term value. It includes features like instant, unlimited growth in sum insured, and automatic restoration after claims. With flexible floater options, no room rent limits, and added savings through discounts, it ensures comprehensive and cost-efficient protection for the entire family.
Choosing the right health insurance for your family is one of the most important financial decisions you’ll ever make. With rising healthcare costs and evolving family needs, you need a plan that offers comprehensive coverage, growing protection, and real savings, year after year.
HDFC ERGO’s Optima Secure+ is specifically designed with families in mind. It combines powerful built-in benefits, flexible family floater options, and attractive discounts to give your loved ones long-term security and peace of mind.
Secure Benefit - Instantly doubles your base sum insured (100% added) from Day 1 at no extra cost.
Infinite Benefit*- Adds another 100% of the base sum insured every policy year, irrespective of claims made, with no upper limit. 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 - perfect for families with multiple hospital visits in a year.
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.
Room Rent at Actuals- No capping or proportionate deductions - choose any room without penalty.
60 & 180 Days Pre & Post Hospitalisation - Covers medical expenses (tests, medicines, doctor visits) for 60 days before and 180 days after hospitalisation.
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.
For families managing lifestyle conditions, you can add the ABCD Chronic Care add-on. It covers hospitalisation expenses for Asthma, Blood Pressure, Cholesterol, and Diabetes (including complications) from the 31st day of the policy, instead of waiting 36 months. The add-on works on a family floater basis and renews automatically with the base policy.
Optima Secure+ offers multiple ways to reduce your premium:
Long-term Discount^^ - Pay in advance and save 6% on a 2-year policy and 8% on 3-year and above policies.
Favourable Claims Experience Discount^ - Up to 21% as a first-time buyer and up to 18% on renewal - rewarding healthy families.
Lifetime Discount° - Additional 5% lifetime discount for first-time buyers where all insured members are aged 35 or below.
Loyalty Discount- 2.5% extra if you already hold another active HDFC ERGO retail policy (premium > ₹2,000).
Example: A family choosing a higher base sum insured + long-term policy + favourable claims discount can enjoy substantial savings while getting growing, resilient coverage.
● 98% health claims payout ratio
● ₹21,700 crore worth of health claims paid in the last 15 years
● 1.5 crore lives insured under health insurance
● Lifelong renewal with no claim-based loading
Optima Secure+ is more than just insurance, it’s a long-term health partner that grows with your family, restores coverage when needed, minimises out-of-pocket expenses, and rewards you for staying healthy.
Disclaimer:
<em>*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 </em> <em>The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.</em>Was this article helpful?
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