HDFC ERGO

Hdfc Ergo My Optima Secure Policy And Plan

HDFC ERGO

10.0/10

OneAssure Rating

95.3%
Claim Settlement Ratio
16,000
Network Hospitals

Highlighted Features

Room rent and ICU limit

Room rent and ICU limit

There is no limit on room rent, meaning policyholders can choose any hospital room, including ICU, without incurring additional out-of-pocket expenses. This ensures complete financial protection during hospitalization, providing flexibility and peace of mind. 

Day Care Treatments

Day Care Treatments

 The HDFC Ergo My Optima Secure plan covers a wide range of daycare treatments, which are medical procedures that require hospitalization for less than 24 hours due to advanced medical technology.

Brochure

Our Verdict

HDFC’s star product, Optima Secure, offers exceptional features along with HDFC’s superior customer service. While the policy comes at a slightly higher premium than competitors, it justifies the cost during claims. It includes unlimited restoration of the sum insured and valuable add-ons such as maternity benefits and waived waiting periods for conditions like asthma, cholesterol, BP, and diabetes. There is no co-payment for treatments in higher-zone cities, and it provides inbuilt coverage for consumables like needles and gloves, which are typically add-ons with other insurers. Additionally, the policy value can increase up to four times the sum insured within three years of continuous coverage.

About the Plan

Product Stats

Rating

Coverage
Claim Settlement
Hospital Network
Co-Payment
Waiting Periods
No Claim Bonus

Features of the Product

01

Room Rent (Normal & ICU)

  1. Normal: Single A/C private room

     

  2. ICU: no limit, expenses incurred will be covered by the insurance

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02

Advanced Treatments

  1. Robotic surgeries for precise, minimally invasive procedures.

  2. Bariatric surgery for obesity management (as per policy terms).

  3. Modern cancer treatments like immunotherapy and targeted therapy.

  4. Stem cell therapy (for approved conditions).

  5. Proton beam therapy for advanced cancer care.

  6. Advanced cardiac procedures including transplants and minimally invasive heart surgeries.

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03

Co-payment

  1. HDFC Optima Secure does not have a co-payment clause, meaning the insured does not need to bear any percentage of the claim amount, even if treated in higher-zone cities.

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04

Waiting Periods

  1. Initial Waiting Period: 30 days from the policy's inception, applicable to all illnesses except those resulting from accidents.

  2. Specific Diseases and Treatments: 24 months for certain listed illnesses and surgical procedures.

  3. Pre-existing Diseases: 36 months before coverage begins for any pre-existing conditions declared at the time of policy purchase.

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05

Cashless Healthcare Providers

  1. 16000+ network hospitals

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06

Day Care Treatments

  1. All day care treatments available. Expenses of Hospitalization for a minimum period of 24 consecutive hours only shall be admissible.

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07

AYUSH Treatment

  1. Covered by the policy.

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Exclusions

Add-ons

Looking for a Specific Hospital ?

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Why OneAssure?

Coverage That Grows With You

We help you maximize your coverage over time for stronger protection.

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Frequently Asked Questions

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