Secure your family's health with All-in-One health plan
16,000+
Cashless Providers-
No Room Rent
Capping**
Zero
Consumable Charges
Buy Now with 0% GST
Explore Health Insurance
Insure your Loved Ones in less than 5 mins!
Full Name
error message
Pincode
error message
Text
Text
Mobile Number
+91
error message
Text Box
+91
By proceeding, you agree to HDFC ERGO’s Terms & Conditions
Get Quote
16,000+
Cashless Hospitals-
No Room Rent
Capping**
Zero
Consumable Charges
Call to Buy:1800 266 6400
Buy Now
3.7 Crore+
Happy Customers#
97.5% Health Claims
Payout Ratio in FY 25°-
Zero
Initial Deposit^^
Text Box
Text Box
24 Years
of Serving India
At HDFC ERGO, We ❤️ to see you healthy
So Much Coverage
Choose Your Health Cover
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
Double your base cover instantly on purchase - ₹10L becomes ₹20L at no extra cost, without any claim required.
Plus Benefit
On 1st renewal, base cover grows 50% after 1 year and 100% after 2 years -₹10L becomes ₹20L, making your total cover ₹30L (3X base).
Restore Benefit
Any claim (partial or full) on your ₹10L base cover is fully restored for future claims within the same year.
Insure Now
Know Your Coverage
What’s covered?
What’s not covered?
💸 Hospital Expenses
Covers all hospitalization needs including room rent, ICU, doctor fees, tests, medicines, surgeries, COVID-19 treatment and consumables too.
💵 Daily Cash Benefit
Optima Secure offers a daily cash benefit (with add-on) of ₹800 per day up to a maximum of ₹4800 on hospitalisation, as out-of-pocket expenses.
🏥 Expert Medical Opinions
Expert medical opinion when it matters most. Get a one-time e-opinion from a specialist for listed critical illnesses—at no extra cost, with no impact on your coverage.
🏠 Home Healthcare
We will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on cashless basis.
🏠 Day Care Treatments
Thanks to medical advancements, many surgeries and treatments now take less than 24 hours — and yes, we cover those too.
🦽 Injury-Related Essentials Covered
Dental treatments during hospitalisation (due to illness/injury) or medically necessary plastic surgery after an injury are covered.
🚑 Road Ambulance
We pay for road ambulance rides—whether it’s to the hospital, between hospitals, or back home (in the same city).
💰 Pre & Post Hospitalization
We cover medical expenses before and after hospitalization — including doctor visits, tests, and medicines up to 60 days before admission and 180 days after discharge. Your full treatment journey is covered.
🛫 Emergency Air Ambulance
This benefit covers a quick, life-saving transport by air when ground help isn’t enough. Doctor-advised and fully covered as per your plan.
🌿 AYUSH Hospitalization
Covers inpatient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy at registered AYUSH hospitals—as per your plan.
♻️ Lifelong Renewability
Break free renewals that lasts a lifetime. Secure your health once and stay protected, no matter your age.
view more
💊 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.
💉Sterility & Infertility Exclusion
Expenses related to sterility and infertility 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.
view more
So Much Benefits
Protect Benefit
Support devices: We cover costs towards the cervical collar, braces, belts etc.
Cost of Disposables: Go cashless with in-built coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation.
Cost of Kits: We cover cost for delivery kit, orthokit and recovery kit.
Procedure Charges: We cover costs towards gauze, cotton, crepe bandage, surgical tape etc.
Aggregate Deductible Discount
Aggregate deductible is the amount that you agree to pay before making a claim in a policy year. Get discount up to 50% every year by choosing to pay a little bit.
Discount Options
50% Discount: Get 50% flat discount on your base premium when you decide to pay ₹1 lac before making a claim in a policy year
40% Discount: Get 40% flat discount on your base premium when you decide to pay ₹50,000 before making a claim in a policy year
25% Discount: Get 25% flat discount on your base premium when you decide to pay ₹25,000 before making a claim in a policy year
Note :To know more about aggregate deductible discount for sum insured above ₹20 lacs, please read the sales brochure/policy wordings
So Much Savings
Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online
Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Secure policy on an individual sum insured basis
Long Term Discount: If premium is paid in advance for 2 or 3 years policy tenure, then you get a premium discount of 7.5% and 10% respectively
Loyalty Discount: Get 2.5% premium discount on the base premium if you have an active retail insurance policy with us, with a premium above ₹2000
So Much Choices
Coverage: Choose between wide range of base cover from ₹5 lacs to 2 crores.
Policy Options: You can buy individual and family floater options.
Tenure: Select policy tenure between 1, 2 and 3 years.
So Much Trust
Wider Pre & Post Hospitalization
Premium Starts @ ₹27/day*
Early Discharge^
24x7 Support in 10 Languages
3.7 Crore+ Happy Customers#
Simple Claim Process
Steps to claim yourHDFC 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?
Cover
Policy
Claims
Renew
What is the Secure Benefit of Optima Secure?
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 of 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.
Example: You have purchased the Optima Secure Health Insurance plan with a sum insured of ₹10 lakhs. Under this plan, your coverage is instantly doubled, giving you a total health cover of ₹20 lakhs instead of the basic ₹10 lakhs for which you paid your premium. This additional coverage can be used for any number of admissible claims. In other words, you can now make claims up to ₹20 lakhs, rather than being limited to ₹10 lakhs.
If I am hospitalised, can I opt for Single AC room in the hospital?
Yes, you can opt for a 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 within 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 Protect Benefit with Optima Secure?
Consumables like ortho kits, gloves, masks etc., are widely used items during hospitalization. These are considered as consumable items and are included as non-medical expenses in the hospitalization bill. With Optima Secure plan, 68 non-medical items commonly used during hospitalisation are covered at no extra premium.
Does the plan cover modern treatments and digital health services?
Yes, Optima Secure covers advanced treatments such as robotic surgeries and includes features compatible with digital claim filing, e-consultations, and online tracking.
What is the difference between base coverage and add-ons?
Base Coverage is the core protection included in your base health insurance plan.
Add-ons are optional extras you can buy to enhance or personalise your protection, over and above the Base Coverage.
Is No Cost Installment feature in Optima Secure applicable for all policy tenures?
Yes, this feature is available to all policy tenures. It can be availed by debit and credit card holders.
My wife delivered a baby 6 months ago. Can I include the child under my health insurance?
Yes, you can include your child under your health insurance plan. In fact, you can include your child post 90 days of birth up to 25 years of age. It's a good thing to add the child to the policy at an early age.
Are COVID-19 expenses covered under Optima Secure plan?
Yes, all COVID- 19 expenses are covered under Optima Secure plan. You need not buy a separate health insurance policy when you get it all under one policy.
What is the age limit for taking this policy?
Health insurance policies are available for individuals up to 99 years old, making them accessible for people of all ages, including senior citizens.
What is the tenure for HDFC Ergo Optima Secure policy?
You can purchase Optima Secure with a policy tenure of 1 year, 2 years, or 3 years.
Choosing a 2‑year or 3‑year tenure gives you long‑term premium discounts (7.5% for 2 years, 10% for 3 years).
Whom should I call at the time of emergency hospitalisation?
- Notify within 24 hours of admission or before discharge, whichever is earlier.
- Submit the form via hospital or TPA team.
- Approvals are also processed within 60 minutes, subject to documentation completeness.
What do I do if my claim is rejected?
If you file a health insurance claim and it gets rejected, you can give a call to us. For instance, if your claim is rejected because of missing information or documents, you can share the pending details and submit the documents again. Also, make sure you renew your health insurance policy on time and keep it active so that you can file a claim during a medical emergency
When should I request pre-authorisation?
Pre-authorisation is required for Planned Hospitalization
The insurer typically issues approval within 60 minutes upon receipt of all correct information.
- Inform HDFC ERGO at least 48 hours before admission.
- Submit the Cashless Request/Pre-Authorization Form with medical details via the hospital’s insurance desk.
The insurer typically issues approval within 60 minutes upon receipt of all correct information.
What to do if I am admitted to a non-network hospital?
1.Notify HDFC ERGO
Inform HDFC ERGO or TPA within 24 hours of admission or before discharge—whichever is earlier.
2.Pay Hospital Bills
As cashless is unavailable at non-network hospitals, pay all charges upfront.
3.Collect Original Documents
Keep the discharge summary, final bill, payment receipt, test reports, prescriptions, and KYC documents (ID + cancelled cheque/passbook).
4.Submit Claim
Send the filled reimbursement claim form with all documents within 15 days of discharge.
5.Where to Submit
Via HDFC ERGO website, mobile app, email, or post.
6.Review & Reimbursement
Your claim will be reviewed and settled as per policy terms (sub-limits, deductibles, exclusions apply).
Is Optima Secure renewable for life?
Yes, Optima Secure comes with lifetime renewability, ensuring your coverage stays active regardless of age or claims history.
Can I make changes while renewing the policy?
Yes, you can modify the sum insured, add/remove members, or opt for additional riders during renewal. Premium may vary based on changes.
Can I renew my policy online?
Absolutely. Visit HDFC ERGO’s website and use your policy details to renew instantly online.
Can I switch to another Optima plan during renewal?
Yes, you can port or migrate to other Optima variants (e.g., Optima Super Secure) as per IRDAI guidelines.
Optima Secure - 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: my: Optima Secure - HDFHLIP25041V062425
*Starting at Just ₹27/Day - Premium mentioned 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. Yearly premium around ₹9,855. Premium may vary as per plan opted and underwriting norms.
-16,000+Cashless 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.
#3.7 Crores+ Happy Customers - 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
^^Zero Initial Deposit available across Preferred Provider Network.
^Early Discharge available at selected hospitals. Please refer to the website www.hdfcergo.com for an updated list.
**Covers medical expenses incurred at the time of hospitalisation that include room rent at actuals.
© HDFC Ergo 2026. All rights reserved