my: Optima Secure Health Plan

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Medical inflation is now widely acknowledged, and as a result, more people are planning comprehensive health insurance plans. As a family, it is economical to purchase a one-stop health insurance solution for your entire family. That's what a family floater health plan like HDFC ERGO My Optima Secure offers. Enjoy hassle-free, cashless treatments at over 16,000 network hospitals. 

To help you out with your family's health insurance needs, HDFC ERGO is here with one of the most suitable plans. Read on as we discuss all you need to know about HDFC ERGO My Optima Secure plan. 

To learn more about Family Floater Plans.
 

 

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HDFC ERGO My Optima Secure: Highlights

The table below gives a quick overview of HDFC ERGO My Optima Secure plan:

Particulars

Details

Policy Name
HDFC ERGO My Optima Secure

Insurance Company
HDFC ERGO General Insurance

Sum Insured Options
₹5 lakhs to ₹2 crores

Add-ons
Unlimited Restore No-Cost Instalment Option my:health Hospital Cash benefitmy:health Critical IllnessIndividual Personal Accident Rider

Entry Age
Adults: 18 to 65 years Child: 91 days to 25 years

Renewability
Lifelong

Waiting period
Initial waiting period: 30 days PED: 36 monthsSpecified Disease: 24 months

Grace period
30 days

Network hospital
16,000+

Best suited for
Family
 

Wish to Enhance Your Coverage? Take a look at the Riders Available with HDFC ERGO My Optima Secure

You can enhance the coverage of your HDFC ERGO My Optima Secure with various additional coverages. These are:

Add-On Covers

Details

Unlimited Restore
Get unlimited restoration of the sum insured in a policy year upon exhaustion.

No Cost Instalment Option

No hassle of paying the entire premium at once. Pay the premium in instalments at no additional cost. It is available for the entire policy tenure. You may choose instalments on a monthly, quarterly, semi-annual, or annual basis.

my:health Hospital Cash benefi
Get your daily expenses covered with this add-on cover at an affordable premium. You receive coverage for daily expenses, including food, loss of pay, and transportation.

my:health Critical Illness
Upon diagnosis of a listed critical illness, you get the lump-sum benefit with my:health Critical Illness add-on cover. You may choose an amount ranging between ₹1,00,000 and ₹5,00,00,000.

Individual Personal Accident Ride
With the individual personal accident rider add-on cover, you can receive up to 5 times the sum insured amount (maximum ₹1 crore) in the event of an accident. 
 

HDFC ERGO My Optima Secure: Eligibility Criteria

Before you begin with the process of purchasing the policy, here is a quick insight into the eligibility criteria of the policy:

1
Age

The entry age for adults and children is different in the My Optima Secure policy. These are:

  • Adults

Adults can purchase the policy or be a part of it. The age must be between 18 and 65 years.

  • Dependent Children

Dependent children can be included in the policy if their age is between 91 days and 25 years.
 

2
Maximum Members

The maximum number of family members that can be a part of this family floater policy is:

  • Adults: 4 in pairs of spouse, parents, and parents-in-law

  • Children: A maximum of 6 dependent children can be included

HDFC ERGO My Optima Secure: What is Covered?

Understanding the inclusions of a policy is a must for any buyer. Coverages under HDFC ERGO My Optima Secure are:

1
Hospitalisation Cover

If the insured individual is hospitalised for over 24 hours, the expenses are covered under inpatient hospitalisation expenses.

2
Pre-hospitalisation

Prior to hospitalisation, the treatment may start at home, and such expenses of 30 days before hospitalisation is covered.

3
Post-hospitalisation

After hospitalisation, certain treatments may continue, such as therapy, rehabilitation, and medication. Such expenses of up to 60 days are covered.

4
Domiciliary Hospitalization

In the event that at-home treatment is performed, these expenses are also covered by HDFC ERGO. Therefore, you need not worry about medical insurance even if the treatment is taking place at your home.

5
Daycare Treatments

This policy covers all types of daycare treatment. Daycare treatments are those performed in the outpatient department of a clinic or hospital and do not require hospitalisation.

6
AYUSH Treatment

The policy covers not only conventional treatments but also alternative treatments, such as AYUSH. It stands for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy
 

7
Cumulative Bonus (CB)

You get cumulative bonus benefits if no health insurance claim is raised in a policy year. For each claim-free year, you get an increase in the sum insured.

8
Lifelong Renewability

The policy can be purchased for 1, 2, and 3 years. The best part is that you can renew the policy lifelong without any hassle

9
Preventive Health Check-Ups

After 60 days of the policy purchase, you can access preventive health check-ups. The expenses will be borne by your health insurance provider.

10
Emergency Air Ambulance

My Optima Secure provides emergency air ambulance coverage in case of an emergency, where the patient needs to be transferred to a different hospital.

11
Road Ambulance

Not just air, but HDFC ERGO also offers road ambulance services to all the insured members. So, in times of a health crisis, make sure to connect with your insurer.

12
E Opinion for 51 illnesses

For around 51 listed illnesses, you can seek an e-opinion service. Review the list of illnesses that benefit from the service.

13
Daily Hospital Cash

Hospitalisation of one member can be concerning for the entire family. The daily travel, expenses, loss of pay, etc., are an additional burden. At HDFC ERGO, your insurer understands these problems. Therefore, daily hospital cash is provided to help you manage the ongoing expenses.

14
Organ Donor Expenses

In the event that an organ donation is required, the donor's expenses will be covered by your health insurance provider.

Features and Benefits of the HDFC ERGO My Optima Secure

HDFC ERGO offers comprehensive coverage and multiple benefits to protect your entire family. Some of the features and benefits of the policy are:

1
High Sum Insured

The policy offers a high sum insured option. So, if you plan to provide comprehensive health insurance coverage to your entire family, My Optima Secure may be the right policy. You can choose a sum insured between ₹5 lakhs and ₹2 crores. 

2
Flexibility of Tenure

The tenure of the policy is also quite flexible. You can purchase it for 1, 2, or 3 years, according to your preferences. In a long-term policy like a 3-year plan, you can simply stay relaxed for up to 3 years. 

3
Wide Range Of Coverage

My Optima Secure is a comprehensive family health insurance plan. So, it also offers a wide range of coverage. From in-patient hospitalisation and pre- and post-hospitalisation to daily cash allowance and alternative treatment, the policy has a lot to offer. 
 

4
Global Health Coverage

You can access global health coverage. That means you get coverage even outside India. It can either be an emergency or a voluntary treatment choice. 
 

5
Optional Coverages

The base coverages of the policy are quite helpful. However, you also have the choice to further extend the scope of the policy by purchasing add-ons. You may choose from the various options available. 

6
Built-in Benefits

At absolutely no additional cost, you get some exciting built-in benefits with the My Optima Secure plan. These are:

  • Secure Benefit
    Your sum insured becomes 2X after the policy's sum insured is exhausted. The remaining balance, however, cannot be carried forward to the next year. 

  • Automatic Restore Benefit
    In one or multiple claims, the sum insured may be exhausted. The Automatic Restore Benefit simply restores the sum insured amount to 100. It is applicable only once per policy year. 

  • Protect Benefit
    All the non-medical costs are also covered with Protect Benefit. These may include masks, food, gloves, etc. 

  • No Sub-Limits
    There is no cap on the room rent charges, and no co-payment is required. So, you can access any room in the hospital. 

  • Plus Benefit
    Upon continuous policy renewal, you get 50% extra sum insured in 1st renewal and 100% additional sum insured on 2nd renewal of the policy. 

7
Cashless Treatments

HDFC ERGO has over 16,000 network hospitals where you can access cashless treatments. You no longer have to stress your savings for medical treatments. 
 

8
Peace of Mind

Above all, health insurance for your entire family gives you peace of mind. You are assured that even in the event of a health emergency, your insurer is there to cover the medical bills. 
 

9
High Claim Settlement Ratio

A high claim settlement ratio is another testimony of the trust of people in HDFC ERGO and its capabilities to settle your claims. A claim settlement ratio of 99.16% makes HDFC ERGO one of the companies with very high CSR. 
 

HDFC ERGO My Optima Secure: What is Not Covered?

Additionally, it is also crucial to review the policy's exclusions. These are the conditions that your health insurance policy does not cover:

1
Injuries Due to Adventure Sports

Physical injuries sustained due to participating in adventure sports are not covered. 

2
Breach of Law

If breach of law is found to be the reason behind the physical injury, it may not be covered under the policy.

3
War

Injuries and damages due to war are not covered.

4
Treatment at De-impanelled Hospitals

Check out the list of de-impanelled hospitals, as treatments at these hospitals may not be covered. 

5
Congenital external diseases/defects/anomalies

Diseases or physical conditions since hospitalisation is not covered. These are congenital external defects/diseases/anomalies.

6
Alcoholism and Drug Abuse

Drug abuse or alcoholism are voluntary choices, and so, diseases or health defects due to these reasons are not covered.
 

7
Self-Harm

Acts of suicide or self-harm are not covered.



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Pros & Cons HDFC ERGO My Optima Secure

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my: Optima Secure plan allows the policyholder to avail 5% discount on base premium if you buy the policy online
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In addition to the premium discount, the plan also allows family discount of 10% in case there are 2 or more members covered under a single policy on the basis of individual sum insured
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Further, if the policyholder buys the plan by paying premium in advance for 2 or 3 policy years, they can avail additional discount of 7.5 % and 10% respectively
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The my: Optima Secure plan let the policyholder to choose from wide coverage ranging between 5 lakhs to 2 crores
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The plan is available with the option of both individual and family floater with tenure ranging from 1 to 3 years
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The option of No Cost Instalment for Credit and Debit card holders is another lucrative feature of the plan
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my: Optima Secure plan excludes coverage on injuries and other treatment expenses caused due to participating in adventure sports
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If there is a condition that is caused due to breach of law, the expenses for the same are excluded from the plan
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Any health issue or accident caused during war are also not covered by the policy
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Cases like congenital external illnesses as well as defects/anomalies are not included under the plan
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Treatment expenses for drug abuse and alcoholism are among the other exclusions of the policy
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Our Verdict on HDFC ERGO My Optima Secure

HDFC ERGO reported a claim settlement ratio of 99.16% for the financial year 2025. A high claim settlement ratio simply means that your chances of raising a successful claim and having it settled are high. Not only this, HDFC ERGO My Optima Secure is just one of the multiple family health insurance plans offered by the company. With over 16000 network hospitals, seeking cashless medical services becomes very easy and comfortable. So, what are you waiting for? Get your entire family secured against unseen health issues! <br><br> If you haven’t done it already, get your health insurance policy from Paybima today!
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HDFC ERGO Health Insurance Company
Health Insurance Company

HDFC ERGO Health Insurance company is a part of HDFC ERGO General Insurance Company Ltd., which is a joint venture between HDFC Ltd., and ERGO International AG. As a General Insurance provider, HDFC ERGO offers an entire range of products under the general insurance category like Motor insurance, Health insurance, Travel insurance, as well as Home and Personal Accident insurance. They also offer customized products such as Marine insurance, Property insurance, along with Liability Insurance. The company has over 9700+ employees working in more than 200 branches of the company across 170+ cities in India. In terms of claim settlement, HDFC ERGO health insurance claim settlement ratio is one of the best in the industry with the company claiming to settle 1 claim per minute and approve claim within 20 minutes.

Founded in
2015
Number of Claims
2,81,796
Number of Policies
6,47,028
Turnover (GWP)
653.93 Crores
JV Partners
Aditya Birla Group and MMI Holdings