Secure your family's health with All-in-One health plan
16,000+
Cashless Hospitals-
Affordable
Sum Insured
No Cost EMI
On Debit/Credit Cards
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16,000+
Cashless Hospitals-
Affordable
Sum Insured
No Cost EMI
On Debit/Credit Cards
Call to Buy:1800 266 6400
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3.2 Crore+
Happy Customers#
3 Claims
Processed/Min°-
₹69,000+ Cr
Claims Settled'"
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23 Years
of Serving India
At HDFC ERGO, We ❤️ to see you healthy
Why Optima Lite is the right fit for changing needs?
In today’s world, taking care of your health means making informed and timely decisions. That’s why Optima Lite is designed to give you clarity, flexibility, and full control.
E-Opinion for Critical Illness
We provide a second opinion from our panel, for a listed critical illness suffered during the policy year.
Day Care Treatments Covered
Covers 500+ day care procedures that don’t require 24-hour hospitalization.
Affordable Base Sum Insured
This new-age health insurance plan comes with an option to choose from two base sum insured – 5 lacs & 7.5 lacs.
Unlimited Restore Benefit
Instant addition of 100% of Base SI upon complete or partial utilization of Sum Insured.
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Know Your Coverage
What’s covered?
What’s not covered?
💸 Hospital Expenses
The plan covers medicines, investigative treatments and diagnostic procedures along with surgeon, anaesthetist, medical practitioner, consultants, specialist fees along with other expenses as mentioned in the policy. You get upto 1% of base sum insured per day to cover for room rent & upto 2% of base sum insured per day to cover for ICU charges.
🛏️ All Day Care Treatments
Medical treatments or surgeries taken under general or local anaesthesia completed within 24 hours are covered under this plan. All modern treatments and robotic surgeries are covered upto Sum Insured under this plan, except for cosmetic or experimental procedures.
💰 Organ Donar Expenses
The plan covers the cost of the organ donor’s hospitalization for harvesting of the donated organ where an insured person is the recipient.
🏥 Domiciliary Hospitalization
If prescribed in writing by the treating medical practitioner medical expenses incurred for availing medical treatment at home is covered if the insured cannot be moved/admitted to a hospital or due to non-availability of room in a hospital.
💵 Daily Cash for Shared Room
If admitted in a network hospital on shared accommodation for more than 48 hrs, the plan entitles the insured to a fixed daily cash amount for out-of-pocket expenses. It can go up to INR 800 per day max. up to INR 4800.
👨⚕️E-opinion for Critical Illness
We provide a second opinion from our panel, for a listed critical illness suffered during the policy year. This benefit can be availed only once in a policy year. It is available for each insured person in case the policy is issued on a floater basis.
🚑 Road Charges
Under the Optima Lite plan road ambulance charges are covered and air ambulance charges up to 5 lac per hospitalisation can be claimed.
💰 Pre & Post Hospitalization
Treatment costs covered for 30 & 60 days of pre and post-hospitalisation for seamless recovery. We know that a treatment doesn’t just start and end in the hospital. So, we ensure you are taken care off.
🛫 Emergency Air Ambulance
This plan provides unlimited instant addition of 100% of base SI upon complete or partial utilization of the sum insured. The restored amount shall be available only for subsequent claims that may arise during the remainder of the policy year for the same or different illnesses or persons covered under the policy.
🌿 AYUSH Treatment
Respecting your belief in alternate medicine we cover medical expenses for inpatient care* under Ayurveda, Yoga & Naturopathy, Unani, Siddha, Homeopathy in an AYUSH hospital where the stay exceeds 24 hrs.
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🩺 Excluded Providers
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
⚔️ War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
🏋️♂️ Adventure Sports Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
🤧 Congenital external diseases, defects or anomalies
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.(Congenital diseases refer to birth defects).
👮♂️ Breach of Law
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
🍷 Treatment for Alcoholism & Drug Abuse
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
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Got Any Questions?
What sum insured options available under the Optima Lite Plan?
The Sum Insured options available under Optima Lite Plan in Lacs are 5Lac & 7.5Lac only.
How do you calculate the premium of a Family Floater Policy?
In the Family floater option, the eldest member of the particular family composition will pay full premium as per the individual premium based on his/her respective age. Thereafter, a floater discount of flat 55% will be applied on the individual premiums of every additional member excluding the eldest member in the Policy.
There is a constant increase in price with each age point. Why not keep an age banded pricing?
Premiums in this product are calculated on specific age basis rather than age band basis. Hence there will be a marginal increase in premium every year. This will help to avoid situations of sudden premium jump when age band changes in band wise premiums approach. Such jumps are steep and seen especially at higher ages.
What are the policy tenures available and discounts applicable on long-term policy tenure?
Discount of 7.5% shall be provided if a policy is purchased for 2-year policy tenure and the premium is paid in advance as a single premium. Discount of 10% shall be provided if a policy is purchased for 3-year policy tenure and the premium is paid in advance as a single premium.
When will Automatic Restore Benefit (unlimited times) trigger?
Automatic Restore Benefit (unlimited times) triggers every time upon partial or complete exhaustion of sum insured in a policy year by way of an admissible claim.
Can Automatic Restore Benefit be triggered for the same illness and same person as well?
Yes, Automatic Restore Benefit can be availed for the same illness and for the same person as well.
Can the remaining amount under Automatic Restore Benefit be carried forward?
No. The amount restored shall be made available only for subsequent claims that might arise during the remainder of the policy year. If not utilized, this amount shall not be carried forward to subsequent policy years.
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Optima Lite- Affordable Health Insurance for You & Your Family
"HDFC ERGO General Insurance Company Limited. IRDAI Reg No : 146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale.
UIN: my: Optima Secure - HDFHLIP21016V012122
*Starting at Just ₹27/Day - Premium mentioned for my:Optima Secure plan is excluding taxes with 5% online discount for a 30-year-old individual residing in 2 Tier location for sum insured of 5 lacs
16,000+ Cashless Network Hospitals - 16000+ healthcare providers as on February 2025. Please refer to the website www.hdfcergo.com for an updated network list.
3 Claims Processed/Minute - Data till FY25 and the formula is number of claims paid+claims denied / number of minutes worked.
36 Mins Claim Approval Time - Based on the data for the period FY25, the average time taken for approval of our cashless health claims is 36 minutes from the time of all relevant documents and information(s) to the Company.
69,000 Crores+ Claims Settled - Total gross claim paid from FY 2003 till FY 2025
3.2 Crores+ Happy Customers# - 3.2 cr+ Happy Customers covers all lines of business – policyholders in motor & corporate lines, lives covered under health, PA & travel, and farmers covered crop insurance as of July 2025
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