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Health care is always accessible at the time of need all thanks to our wide network of cashless hospitals.
Health Insurance is now more
Affordable with 0% GST
Get Comprehensive Health Insurance
for You & Your Family
Quick Quote for Health Insurance.
Why Choose HDFC ERGO Optima Secure+
16,000+ Cashless
Healthcare Networkˇ
Quick & Easy
Claims Process
No Cost
Installment Benefit*^
Additional 5%
Online Discount^*
Covers Non
Medical Expense'*
3.7 Crore+
Happy Customers@
Quit the hassle and buy the most recommended health insurance plan online and "Save More".
So Much Coverage
Choose your health cover
Select your sum insured
Suiting your budget and requirements, select the coverage you want. For example, let's consider you select a sum insured of ₹10 lacs.
Secure Benefit
2X coverage from day 1°°
Your base cover gets doubled instantly upon purchase, without having the need to claim it. This benefit will instantly increase your ₹10 lacs base cover to ₹20 lacs at no extra cost.
Plus Benefit
100% increase in coverage
On 1st renewal your base cover increases by 50% after 1 year and 100% after 2 years, making it ₹15 lacs and ₹20 lacs respectively. Your total cover now becomes ₹30 lacs i.e 3X of your base cover.
Restore Benefit
100% Restore Coverage~
Anytime you make a claim whether partial or total of ₹10 lacs base cover, it gets 100% restored for any subsequent claims in the same year.
So Much Benefits
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Infinite Benefit
Protect Benefit
Covers Out-Of-Pocket Expenses
Aggregate Deductible Discount
So Much Savings
Online, long-term & many more discounts
So Much Choices
Cover upto 2 Cr & tenure upto 3 years
Infinite Benefit
Key Features
- Unique feature: Infinite Benefit is a unique offering of Optima Secure+.
- Automatic increase: Your base Sum Insured increases by 100% after every claim‑free policy year.
- Unlimited accumulation: This benefit can accumulate without any upper limit over time.
- Future‑ready coverage: Helps your Sum Insured keep pace with rising medical costs throughout your lifetime.
So Much Trust
Backed by the trust of 3.7 crore+ happy customers@ over the past 23 years. At HDFC ERGO, we consistently strive to make insurance affordable, easier and dependable. Here, promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Wider Pre & Post Hospitalization"
Premium Start
at 26/day*
3 claims processed every minute^^
24x7 support in 10 languages
3.7 Crore+
Happy Customers@
Quick & Easy
Claims Process
Buying Optima Secure is now easier with our No cost installment*^ plans!
Just Launched - No Cost Installment*^ Benefit for Optima Secure+
Just launched
We have some good news to share. Now, you can purchase HDFC ERGO’s Optima Secure+ using an easy installment benefit. This benefit is available to one-year policyholders. You can choose from installment options: monthly, quarterly and half-yearly. To give customers more purchasing power, Optima Secure+ is easily available at affordable buying option.
How to Make a Claim for your HDFC ERGO Health Insurance
The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.
3 claims processed every minute^^
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
Cashless Claims Approval within 36 minutes***
Hospitalisation
When you select a hospital, which is not in our network for reimbursement claims you need to pay the bills initially and preserve the original invoices
Register a claim
Post-hospital discharge send us all your original invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
Claim Settlement
We send the approved claim amount to your bank account.
Frequently Asked Questions on Optima Secure+ Health Insurance
1. What is Optima Secure+ ?
Optima Secure + health insurance plan is an advanced version of Optima Secure where policyholder will get numerous benefits in terms of discounts and wider coverage.
2. What is the difference between Optima Secure and Optima Secure+ ?
Optima Secure + has enhanced features which are missing from Optima Secure. Optima Secure + comes with restore benefits unlimited times during the policy year. Apart from this, there are long term discounts and lifetime discount with Optima Secure + . That’s not all, Optima Secure + also offer ABCD chronic care coverage for asthma, blood pressure, cholesterol and diabetes.
3. Who should buy Optima Secure+ ?
Individuals and families seeking high-value, future ready health protection should buy Optima Secure + health insurance policy.
4. What add-ons are available with Optima Secure+ ?
Optima secure + comes with unlimited restore benefit, ABCD chronic care cover, lifetime discount, coverage for parenthood, etc.
5. Does Infinite Benefit reset if I make a claim?
No. The accrued Infinite Benefit is permanent and carries forward regardless of claims made. It can only be lost if the policy lapses (break in coverage). This is one of its core strengths — it's unconditional, just like Plus Benefit was in the original OS plan.
6. What's the difference between Infinite Benefit and Plus Benefit?
Plus Benefit grows at 50% per year up to a maximum of 100% of the Base Sum Insured, then stops. Infinite Benefit grows at 100% per year with no upper limit — it keeps adding every single year for as long as the policy is in force. In Year 1 they look similar. From Year 3 onwards, Infinite Benefit creates a substantially larger effective cover.
7. Can both Plus Benefit and Infinite Benefit be active together?
No. Optima Secure+ includes Infinite Benefit by default. Plus Benefit is not available with OS+. On the Optima Super Secure plan, customers can optionally select Infinite Benefit — in which case any accumulated Plus Benefit amount is carried forward into Infinite Benefit, and Plus Benefit ceases. Only one of the two is active in any given policy year.