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.

Individuals and families seeking high-value, future ready health protection should buy Optima Secure + health insurance policy.

Optima secure + comes with unlimited restore benefit, ABCD chronic care cover, lifetime discount, coverage for parenthood, etc.

4X is the ceiling of Optima Secure — it stops growing after Year 2. With OS+, the ceiling doesn't exist. After Year 10 on a ₹10L base plan, a standard OS customer still has 4X (₹40L). An OS+ customer has 12X (₹1.2 Cr). Healthcare inflation runs at 14% a year — a static multiplier loses real value every year. Infinite Benefit is built specifically to fight that erosion.

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.

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.

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.

Yes, OS+ carries a higher premium reflecting the Infinite Benefit and Unlimited Restore features. The key pitch is cost per lakh of effective coverage — in the early years the difference is marginal; by Year 5 and beyond, OS+ delivers significantly more coverage per rupee of premium paid.

Customers can migrate to OS+ at renewal. Any accrued Plus Benefit amount is carried forward into the Infinite Benefit. Continuity benefits (waiting periods already served) are preserved. The earlier they migrate, the more compounding years of Infinite Benefit they accumulate.

Yes, you can buy Optima Secure + online through HDFC ERGO website.