Only health plan where your coverage has no ceiling
∞
Coverage Growth
₹2 Cr
Maximum Base SI
97.8% Health Claims
Payout Ratio~*
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∞
Coverage Growth
₹ 2 Cr
Maximum Base SI
97.8% Health Claims
Payout Ratio~*
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3.7 Crore+
Happy Customers@
₹ 26,400 Cr
Health Claims Paid°-
16,000+
Cashless Healthcare Networkˇ
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24 Years
of Serving India
At HDFC ERGO, We ❤️ to see you healthy
Why Choose Optima Secure+?
Infinite Coverage*
Optima Secure+ offers the benefit of Infinite Coverage with a 100% coverage of the base sum insured post each policy year.
Chronic Care Benefit
Optima Secure+ offers the ABCD chronic care rider with coverage for asthma, BP, cholesterol and diabetes starting day 31.
Long Term Protection^^
With Optima Secure+ the policyholder can get coverage for up to 5 years.
Long Term Discount^^
If premium is paid in advance for 2 years policy tenure, then you get a premium discount of 6%, and 8% discount during third, fourth and fifth year policy renewals.
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Key Features of Optima Secure+
Experience a health plan that goes beyond the ordinary to protect your future. The Optima Secure+ plan is packed with features designed for your peace of mind.
Infinite Benefit*
100% of Base Sum Insured added every policy year with no upper accumulation cap. The longer the customer stays, the more powerful the policy becomes. Accrued Infinite Benefit carries forward on renewal without break.
Secure Benefit
Doubles the sum insured from day 1 — 100% of base SI added instantly at no extra cost. This is the foundation on which Infinite Benefit compounds.
Automatic Restore Benefit**
Will restore 100% of the Base Sum Insured unlimited times under this benefit in the event of an admissible claim during the Policy Year due to which Sum Insured was partially or completely exhausted.
Protect Benefit'*
Zero deductions on listed non-medical expenses to maximise your claim during hospitalisation – generally 10-20% of bill is non-medical expenses.
Room Rent
No Room rent capping limit shall be at actuals unless otherwise specified in the policy schedule.
60 + 180 Days Pre/Post"
Medical expenses for 60 days before and 180 days after hospitalisation are covered — all tests, medicines, doctor visits related to that admission.
How Infinite Benefit* Works?
This powerful feature provides an incredible 100% increase on your base Sum Insured after each claim-free policy year.
Pick a base cover. Watch it compound.
Inception figures include Secure Benefit (100% of Base SI). Yearly figures add 100% Base SI as Infinite Benefit each year. Unlimited Restore is additional.
Base Sum Insured
₹10 Lakh
Inception (Day 1)
₹20 L
Year 1 Renewal
₹30 L
Year 2 Renewal
₹40 L
Year 3 Renewal
₹50 L
Year 5 Renewal
₹70 L
Year 10 Renewal
₹1.2 Cr
Base Sum Insured
₹25 Lakh
Inception (Day 1)
₹50 L
Year 1 Renewal
₹75 L
Year 2 Renewal
₹1 Cr
Year 3 Renewal
₹1.25 Cr
Year 5 Renewal
₹1.75 Cr
Year 10 Renewal
₹3 Cr
Base Sum Insured
₹50 Lakh
Inception (Day 1)
₹1 Cr
Year 1 Renewal
₹1.5 Cr
Year 2 Renewal
₹2 Cr
Year 3 Renewal
₹2.5 Cr
Year 5 Renewal
₹3.5 Cr
Year 10 Renewal
₹6 Cr
4X was the ceiling.
Now there is none!
Now there is none!
The original Optima Secure gave customers a guaranteed 4X coverage — Base Sum Insured + Secure Benefit + Plus Benefit + Restore.
Optima Secure+ replaces Plus Benefit with something far more powerful: Infinite Benefit.
Every policy year that completes, 100% of the Base Sum Insured is added to the policy permanently. No maximum. No expiry. No conditions on claims made.
Optima Secure+ replaces Plus Benefit with something far more powerful: Infinite Benefit.
Every policy year that completes, 100% of the Base Sum Insured is added to the policy permanently. No maximum. No expiry. No conditions on claims made.
Infinite Benefit*
For Base Sum Insured of ₹ 10 Lakhs
Day 1 - ₹20 Lakhs (2X)
After 1st Policy Year - ₹30 Lakhs (3X)
After 2nd Policy Year - ₹40 Lakhs (4X)
After 3rd Policy Year - ₹50 Lakhs (5X)
After 5th Policy Year - ₹70 Lakhs (7X)
After 10th Policy Year - ₹120 Lakhs (12X)
Add-ons That Make Optima Secure+ Different
🤧 ABCD Chronic Care
Covers hospitalization expenses for Asthma, Blood pressure, Cholesterol and Diabetes just after 30 days of waiting period
👨👩👧 Parenthood Cover
Covers Maternity Expenses, Embryo freezing costs and IVF treatments post waiting period of 2 years.
🦽Individual Personal Accident Rider
Provides Lumpsum pay out in case of Accidental Death, Permanent Total Disablement and Permanent Partial Disablement.
💵my: Health Hospital Cash Benefit
With this benefit, the policyholder get daily cash for every completed 24 hours hospitalization.
🤕my: Health Critical Illness
Provides comprehensive coverage by offering a Lumpsum payout on diagnosis of any of the listed 51 critical Illnesses.
♾️Limitless (For claims made in India only)
Pays for a specified number of claim(s) up to an infinite value in the
lifetime of the policy.
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Steps to claim your HDFC ERGO Health Insurance
Cashless
Reimbursement
1️⃣ Intimation
Fill up the pre-auth form at the network hospital for cashless approval.
2️⃣ Approval/Rejection
Once hospital intimates us, we send you the status update.
3️⃣ Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval.
4️⃣ Claim settlement
At the time of discharge, we settle the claim directly with hospital.
1️⃣ 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.
2️⃣ Register a claim
Post-hospital discharge send us all your original invoices and treatment documents.
3️⃣ Verification
We verify your claim related invoices and treatment documents.
4️⃣ Claim Settlement
We send the approved claim amount to your bank account.
Got Any Questions?
If I have sufficient coverage. Why do I need Optima Secure+ ?
The healthcare inflation runs at 14% a year — a static multiplier loses real value every year. Infinite Benefit under Optima Secure+ is built specifically to fight that erosion with Optima Secure+, get coverage as per the need, 100% of Base sum insured added year after year. After Year 10 on a ₹10L base plan, An Optima Secure+ customer has 12X (₹1.2 Cr).
Does Infinite Benefit reset if I make a claim?
No. Any amount of infinite benefit that was accrued at the start of a policy year shall be carried forward as is to the next policy year irrespective of claims provided that the policy is renewed.
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. Infinite Benefit creates a substantially larger effective cover.
What is the Automatic Restore Benefit (unlimited times) offered under Optima Secure+ plan?
Under Automatic Restore Benefit (unlimited times), if an insured person claims in a policy year, a sum equals to the Base Sum Insured is available for subsequent claims thereafter in that same policy year. Any unutilized amount cannot be carried forward.
What is the USP of Optima Secure+ plan?
Optima Secure+ plan offers a progressive benefit – the ‘Infinite Benefit’ & ‘Automatic restore benefit (unlimited times)’. We are also introducing Lifetime Discount which will be offered to young customers of age 35 years or below. Optima Secure+ also offers Favorable Claim Experience Discount (FCED), which provides a discount of up to 21% to the first-time buyers of health insurance and up to 18% discounts based on a customer’s hospitalization claims experience over the preceding two policy years.
Optima Secure+
T&C Apply. **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) °Once provided, a 5% lifetime discount shall apply to all subsequent renewal premiums prevailing at the time of renewal. ^^Long-term tenure discount of 8% shall be applicable if the premium is paid in advance as a single premium. Option to choose 4/5-year tenure is allowed subject to underwriting guidelines of the Company *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 '*For the non-medical expenses listed under this policy incurred in relation to an admissible claim ^Get discount as per favourable claims experience discount mentioned in the policy wordings. °-Data from FY'12 to FY'26 @3.7 Cr+ customer base covers all lines of business – policyholders in motor & corporate lines, lives covered under health, PA & travel, and farmers covered crop insurance. Data as on Apr 2026. ˇHealth Care Providers include Network hospitals and Diagnostic centers. Data as of March 1 2026. Please refer to the website www.hdfcergo.com for an updated network list. ~*For FY'26 "Get 60 and 180 days pre and post hospitalisation medical expenses covered Add-on Policy can only be purchased with the HDFC ERGO Base policy and cannot be purchased in isolation. For in-depth details on terms and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai - 400 059. UIN: my: Optima Secure - HDFHLIP26058V082526 | my: health Critical Illness - HDFHLIA22141V032122 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021 | IPA Rider – APOPAIP19004V011920 | Optima Wellbeing (Add-on) - HDFHLIA24099V012324 | ABCD Chronic Care - HDFHLIA25044V012425 | Parenthood - HDFHLIA25046V012425 | Limitless - HDFHLIA25045V012425 | Serious Illness Booster - HDFHLIA26059V012526.
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