So Much Trust

  • Quick Turnaround Time

    Offers quick turnaround time, reducing pre-authorisation hurdles.

  • Quick Claim Payment

    Get quick claim settlements, to honour every genuine claim.

  • Trust of HDFC ERGO

    - 12,000+ cashless network healthcare providers**

    - 24x7 call centre servicing in 10 languages

    - Family of 1.5 Cr+ happy customers@

  • Illustration of Sum Insured Utilisation
    Number of Claim Claim Amount Available Benefit Limit Admissible Claim Amount Utilisation of Sum Insured
    Base Sum Insured Plus Benefit Secure Benefit Restore Benefit
    1st Claim 3,00,000 5,00,000 2,50,000 5,00,000 0 3,00,000 Base (partial)
    2nd Claim 14,00,000 2,00,000 2,50,000 5,00,000 3,00,000 12,50,000 Base (balance) + Plus + Secure + Automatic Restore (partial)
    3rd Claim 3,00,000 - - - 2,00,000 2,00,000 Automatic Restore (partial)

    - Optima Secure plan with second policy year in progress

    - A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure benefit.

  • Schedule of Benefits (All Limits Are in INR)
    Plan Name Optima Secure
    Base Sum Insured (in Lakhs) 5/10/15/20/25/50/100/200
    Room Rent Sum Insured less than 50L: Up to single AC private room
    Sum Insured 50L and above: All room types covered
    Hospitalisation Expenses Up to Sum Insured
    AYUSH Treatment Up to Sum Insured
    Domiciliary Hospitalisation Up to Sum Insured
    Organ Donor Expenses Up to Sum Insured
    Home Healthcare Up to Sum Insured
    Pre-Hospitalisation (60 days) Up to Sum Insured
    Post-Hospitalisation (180 days) Up to Sum Insured
    Secure Benefit 100% of Base Sum Insured
    Protect Benefit Up to Sum Insured
    Plus Benefit Irrespective of claim status, increase of 50% of Base Sum Insured in a policy year, maximum up to 100%
    Restore Benefit Up to 100% of Base Sum Insured for any illness any insured person
    Emergency Ambulance Road: Up to Sum Insured
    Air: Up to 500,000
    Daily Cash for Choosing Shared Accommodation 800 per day (max up to 4,800)
    E-Opinion for Critical Illness Once per insured person (for 51 defined major illnesses)
Disclaimer: @As on July, 2022. **Healthcare Providers include Network hospitals and Diagnostic centers. Data as on 15th December, 2022 . Please refer to the website www.hdfcergo.com for an updated network list.

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