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16,000+
Cashless Providers-
No Room Rent
Capping**
Zero
Consumable Charges
3.7 Crore+
Happy Customers#
97.5% Health Claims
Payout Ratio in FY 25°-
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Initial Deposit^^
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24 Years
of Serving India
From everyday care to global cover, HDFC ERGO brings you health insurance that’s built to protect every stage of life.
Reliable Coverage You Can Trust 🤝
Concerned about Insufficient Coverage?
⭐️ 4X your coverage at no extra cost in 2 Years
⭐️ 100% Base Coverage Restored with Restore Benefit
Isn't Health Insurance too expensive?
While Health Insurance may seem like an added cost, it provides peace of mind for potential emergencies which you might face. Additionally, you can compare various plans and choose the one that best meets your needs & budget.
Extensive Coverage,
Endless Choices
Endless Choices
What if the plan isn’t enough when I actually need it?
Even basic hospital treatments can cost a lot today. That’s why Optima Secure automatically grows your cover up to 4X in just 2 years at no extra cost. So you’re always protected, no matter what life throws at you.
Concerned about
Insufficient protection during emergencies?
Insufficient protection during emergencies?
⭐️ Get up to 4X your cover in 2 years at no extra cost
⭐️ 100% base coverage restored after every claim
⭐️ Pre and Post‑Hospitalisation Cover
Optima Secure
What if I want higher protection right from the start?
Secure Benefit is a first-of-its-kind benefit of Optima Super Secure that triples the insurance cover you buy, instantly and automatically. This means that you get a 3X coverage from day 1, without having the need to activate or claim it, at no additional cost.
Concerned about
Exhausting sum insured mid-year?
Exhausting sum insured mid-year?
⭐️ Enjoy unlimited automatic restoration of your sum insured
⭐️ Protect Benefit - zero deduction on consumable expenses
⭐️ Automatic Restore Benefit refills 100% of base cover for future claims
Optima Super Secure
What if I just want basic coverage without paying for features I won’t use?
That’s exactly what Optima Lite is designed for. It gives you just the essentials solid coverage, zero frills with affordable premiums. It’s perfect if you’re starting out or looking for smart protection that fits your budget.
Concerned about
Overpaying for features you don’t need?
Overpaying for features you don’t need?
⭐️ Get essential health coverage without the extras
⭐️ Lower premiums, same trusted HDFC ERGO protection
⭐️ Pre and Post‑Hospitalisation Cover
⭐️ Pre and Post‑Hospitalisation Cover
Optima Lite
What to do if I face Health Emergencies during international trip?
Built for peace of mind when you're away from home. It covers medical emergencies while you’re abroad, and ensures you're fully protected within India too. Whether you’re on a business trip or a family vacation you’re covered.
Concerned about
Health Emergencies during international trip?
Health Emergencies during international trip?
⭐️ Covers medical emergencies abroad
⭐️ Full hospitalization cover within India
⭐️ Perfect for frequent flyers & global professionals
Optima Secure Global
Do I have the freedom to choose treatment anywhere even abroad?
That’s exactly what Optima Secure Global Plus is made for. It covers not just emergencies, but even planned treatments at leading hospitals around the world along with full domestic cover. Wherever you are, your health gets world-class care, seamlessly.
Concerned about
Domestic & International Coverages?
Domestic & International Coverages?
⭐️ Covers both planned & emergency treatments abroad
⭐️ Access to top global healthcare networks
⭐️ Full domestic coverage included
Optima Secure Global Plus
Types of Health Insurance Plans
Optima Secure
With Optima Secure you get 4X Coverage at no Extra Cost & Save up to Rs. 75,000 on Taxes *-
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Key Benefits
4X Coverage in 2 Years
2X Cover from Day 1
No room rent limits
Optima Super Secure
With Optima Super Secure you get higher protection right from the start
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Key Benefits
5X Coverage in 2 Years
Get 3X health cover from Day 1
No room rent limits
Optima Secure Global
With Optima Secure Global you get holistic coverage that goes beyond the ordinary
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Key Benefits
Emergency medical treatment outside India during International Travel
2X Cover from Day 1
Consumables like PPE kits, gloves, masks, etc. — all covered
Optima Secure Global Plus
Optima Secure Global Plus gives you true international cover (planned & emergency)
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Key Benefits
Health Coverage in India and Overseas
2X Cover from Day 1
No room rent limits
Optima Lite
Making health insurance accessible for all - an ultimate coverage for Tier-2 & Tier-3 cities
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Key Benefits
Choose between ₹5 Lacs or ₹7.5 Lacs Cover
100% Cover Restored after every claim
Covers non-medical expenses
Know Your Coverage
What's covered?
What’s not covered?
🏥 Hospitalization Coverage
We cover hospitalization expenses be it room rent, ICU charges, diagnostic tests, surgeries, doctor consultations, or medications ensuring a smooth, experience during tough times.
💵 Daily Cash
Get ₹800 per day (up to ₹4800) (with add-on) during hospitalization to manage out-of-pocket expenses.
♻️ Lifelong Renewals
Once you’re with us, you’re covered for life. Stay protected year after year, with break-free renewals no matter your age, no matter your health journey.
⏳ Second Opinions, First-Class Experts
Facing a critical illness? We connect you to a specialist for an e-opinion at no extra cost. Because every major decision deserves expert clarity.
🏠 Even Day Care Is Covered
Modern treatments don’t always need an overnight stay. That’s why we cover procedures that take less than 24 hours so you’re protected even in the short run.
🦽 When Injuries Need Extra Care
We’ve got your back with dental treatments due to accidents and medically necessary plastic surgery after injuries. Because every detail matters when it comes to healing.
➕ Road Ambulance
We cover road ambulance costs — to the hospital, between hospitals, or even back home in the same city.
🌿 Traditional Healing
Choose Ayurveda, Yoga, Naturopathy, Unani, Siddha, or Homeopathy at registered AYUSH hospitals. We honour your choice of care, the wholesome way.
🚁 Air Ambulance in Critical Moments
In life-threatening situations, time is everything. We cover emergency air ambulance costs when prescribed by a doctor so help reaches you faster, wherever you are.
🩺 Pre & Post Hospitalisation Care
We cover medical expenses up to 60 days before admission and 180 days after discharge so that you heal fully, with zero gaps.
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💊 Extra Dietary Supplements
Vitamins, minerals, and other dietary supplements are not covered unless prescribed by a doctor as part of a Hospitalization or Day Care treatment.
🩺 Unproven Treatments Costs
Unproven Treatments Costs for treatments or procedures that lack reliable medical evidence or proven effectiveness are not covered.
⚔️ War & Nuclear Risks
Claims arising from war, civil unrest, military actions, or nuclear, chemical, and biological incidents are not covered.
🏋️♂️ Adventure & Sports
No coverage for injuries from professional participation in high-risk activities like skydiving, mountaineering, motor racing, scuba diving, and similar adventure sports.
🤧 Pre-Existing Diseases
Treatment for pre-existing conditions is not covered for the first 36 months (unless stated otherwise). Coverage begins only after continuous coverage for this duration.
👮♂️ Breach of Law
Expenses arising from or related to treatment required due to you committing (or attempting) a breach of law with criminal intent are not covered under this policy.
🍷 Alcohol or Substance Abuse
Expenses for treatment related to alcoholism, drug or substance abuse are not covered under the policy.
💉Sterility & Infertility Exclusion
Expenses related to sterility and infertility are not covered.
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The below mentioned coverage may not be available in some of our plans. Please read the policy wordings, brochure and prospectus to know more about our Pet insurance plan.
Got Any Questions?
Optima Secure
Optima Lite
Optima Secure Global
Optima Secure Global +
Optima Super Secure
What is the Secure Benefit in the Optima Secure plan?
The word secure resonates with being safe and tension-free. Under Optima Secure plan, we provide you with the secure benefit. This health insurance plan offers additional coverage up to 100% of the base sum Insured immediately upon purchase at no extra charge. This additional amount can be utilised for any number of admissible claims. Now isn't this truly a benefit that can keep you secure.
Example: You have bought a Optima Secure Health Insurance plan with a health cover or sum insured of ₹10 lacs. In this case, your sum insured instantly gets doubled up to offer you a total health cover of ₹20 lacs instead of a basic ₹10 lacs health cover for which you paid your valuable premium. This additional amount can be utilised for any number of admissible claims. That means you can now make claims up to ₹20 lacs instead of ₹10 lacs.
If I am hospitalised, can I opt for Single AC room in the hospital?
Yes, you can opt for single AC room with Optima Secure plan. We let you choose single AC room for undergoing treatment/surgery at any hospital. You can avail this facility on a cashless basis if you are hospitalised at a network hospital. You can undergo treatment for any disease (available in the plan) and make use of your sum insured. You need not worry about room rent at the time of hospitalisation as we want you to undergo quality treatment without any worry.
What is the Protect Benefit in the Optima Secure?
Consumables like ortho kits, gloves, masks etc., are widely used items during hospitalization. These are considered disposable items and included as non-medical expenses in the hospitalization bill. With Optima Secure plan, you can easily pay for 68 listed non-medical items commonly used during a hospitalisation at no extra premium.
What is the Automatic Restore Benefit in the Optima Secure plan?
Optima Secure Health Insurance plan restores up to 100% of your base sum insured for subsequent claims, for any illness, or any insured person. Your base sum insured is the actual sum insured that you had chosen when buying the policy. This helps you in case you exhaust your existing sum insured for any number of claims.
What is the maximum sum insured available?
Optima Secure Plan is available for the sum insured up to ₹2 Cr. Other sum insured options available are ₹5 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs, ₹25 Lacs, ₹50 Lacs and ₹1 Cr. You can buy health insurance policy of a sum insured that best suits your needs.
Why is Optima Lite ideal for first-time or budget-conscious insurance buyers?
Optima Lite is designed with cost-efficiency in mind — offering optional disease and room rent limits that help reduce premiums, making it a smart entry-level health insurance choice.
What sum insured options available under the Optima Lite Plan?
The Sum Insured options available under Optima Lite Plan are ₹5 Lacs & ₹7.5 Lacs only.
Are day care treatments covered in Optima Lite?
Yes, it covers over 500 day care procedures that don’t require 24-hour hospitalization.
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.
How does the cumulative bonus work in Optima Lite?
Every year, you earn a 10% bonus on your base sum insured—whether you make a claim or not. This can go up to a maximum of 100%, giving you double the coverage over time.
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How do I file a claim for international treatment under Optima Secure Global?
For emergency overseas treatments, you can file a claim by contacting HDFC ERGO’s international claims team and submitting documents as per their global claims protocol.
Is the plan renewable for life?
Yes, my:Optima Secure Global offers lifetime renewability with uninterrupted benefits year after year.
Who is Optima Secure Global best suited for?
It’s ideal for globally mobile individuals — like frequent travelers, NRIs visiting India, or families seeking world-class emergency care abroad.
What makes Optima Secure Global different from other HDFC ERGO plans?
It provides global emergency health coverage, letting you access treatment abroad — a unique feature not offered in domestic plans.
What about accommodation expenses of travel companion?
For travel companion cost of overseas stay up to Rs. 15000 per day shall be covered for 30 days a year.
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How do I raise a claim for treatment outside India under Optima Secure Global Plus?
You need to inform the insurer within 48 hours of hospitalization abroad and submit all required documents for reimbursement as per international claim process.
What makes Optima Secure Global Plus unique among HDFC ERGO plans?
It offers comprehensive worldwide coverage, including planned or emergency international treatments, organ transplants, etc.
Can I continue renewing the policy even if I relocate abroad?
Yes, since my:Optima Secure Global Plus offers international coverage, it can be renewed lifelong regardless of your location, subject to regulatory norms.
Does Optima Secure Global Plus offer cashless hospitalization within India?
Yes, you can avail cashless treatment across 15,000+ network hospitals in India through HDFC ERGO's cashless facility.
Does it include wellness benefits or second medical opinions?
Yes, the plan includes global wellness services, fitness coaching, and second medical opinions from international experts as part of its value-added offerings.
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What is the waiting period applicable under Optima Super Secure?
Optima Super Secure has the following waiting periods specified under the plan –
● Pre-existing illnesses are covered after a waiting period of 36 months. The waiting period reduces every year on successful renewals. Even if you port an existing policy to Optima Super Secure, you get a credit for the waiting period already lapsed in the last policy. In the case of enhancement of the sum insured, however, the waiting period of 36 months would apply again to the increased amount.
● Specific illnesses and treatments are covered after a waiting period of 24 months.
● Initial waiting period of 30 days is applicable from the start date of the policy coverage. The plan would not cover illnesses that occurred during this period of 30 days. However, you get coverage for accidental injury from the first day of the plan itself.
Is pregnancy covered under the Optima Super Secure policy?
No, pregnancy is not covered under Optima Super Secure.
Does HDFC ERGO offer a portability option?
Yes, HDFC ERGO offers a portability option. You can port into the Optima Super Secure or port out of it. To port, you would have to request with the insurance company at least 45 days before the policy renewal date. However, the porting request should not be submitted earlier than 60 days from the renewal date.
After you request porting, the insurance company would assess your request, verify it and allow you to switch your coverage to another plan or another insurer.
What are additional treatments & conditions covered under this plan?
HDFC ERGO Optima Super Secure offers two optional add-ons that you can avail of to enhance the coverage. These add-ons are as follows –
● my: Health Critical illness ( add-on)
Get comprehensive coverage for 51 critical illnesses. With sum insured options of INR 100,000 to INR 200,00,000 and in multiples of INR 100,000.
● my :Health Hospital Cash Benefit ( add-on )
Get a daily cash allowance in case of Hospitalization for 24 hours or more up to maximum of 30 days. There are various sum insured options from Rs. 500, to Rs. 10,000. You can choose one or both of these add-ons and avail of a wider scope of coverage.
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Comprehensive 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 UIN: my: Optima Secure - HDFHLIP21016V012122
- - 16000+ healthcare providers as on August 2025. Please refer to the website www.hdfcergo.com for an updated network list.
°- 97.5% Health Claims Payout Ratio in FY’25 - Formula for Payout ratio is 'Paid claims /(Opening Outstanding claims + Reported claims - Closing Outstanding claims)' which is number of claims populated in form NL 37 to FY 25.
°- 97.5% Health Claims Payout Ratio in FY’25 - Formula for Payout ratio is 'Paid claims /(Opening Outstanding claims + Reported claims - Closing Outstanding claims)' which is number of claims populated in form NL 37 to FY 25.
^^Zero Initial Deposit available across Preferred Provider Network.
++ - 4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit
*- - Subject to change as per Tax Laws in India
# - 3.7 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 November 2025
* - 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
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