HDFC Ergo
Optima Secure
🏢 Founded
2002
24 years of strong market credibility.
✅ Claims
97% CSR
3-year average claim settlement ratio.
🏥 Hospitals
13,000+
Wide cashless network across India.
💬 Complaints
9 / 10K
Per 10,000 claims — very low.
✨ Expert Verdict
Optima Secure is a solid recommendation for anyone seeking genuine peace of mind. The plan's layered, "always on" coverage suits families, young buyers, and seniors alike — offering strong early benefits, growing protection, and reliable features without depending on yearly bonuses.
Pros
- Wide range of features with genuine usability.
- Premiums are relatively well priced for the coverage.
- Solid insurer track record — 97% CSR.
- 2× Secure Benefit from day one.Standout
- No room rent restrictions — pick any room.
- Good Restoration Benefit adds significant value.
Cons
- Maternity not included — requires add-on.
- Doctor consultations not covered — need add-on.
Key Features
2× Secure BenefitStandout
Buy ₹10L cover, get ₹20L from day 1. Your sum insured is automatically doubled.
No Co-Payment
Insurer bears the entire cost of treatment up to sum insured. Zero out-of-pocket.
No Room Rent Limit
Single, shared, deluxe — pick any room. No restrictions on room rent.
No Disease Sub-Limits
Claim full amount up to sum insured for any covered disease. No disease-wise caps.
Non-Medical Expenses
Protect Benefit covers consumables like gloves, masks, PPE — often excluded by others.
Restoration Benefit
100% of cover restored for subsequent hospitalizations in the same policy year.
Add-ons
Unlimited Restoration
Restores cover unlimited times up to 100% of sum insured for any illness.Recommended
ABCD Chronic Care
For Asthma, BP, Cholesterol, Diabetes: PED waiting reduced from 3 years to 30 days.
Optima Well-being (OPD)
Unlimited tele & in-clinic GP consultations, free home sample collection, fitness classes, mental health counselling.
Aggregate Deductible
Choose deductible ₹25K–₹5L for premium discount.
Parenthood (Maternity)
Maternity expenses ₹50K–₹2L covered after 2-year waiting period.
Reduction in PED
PED waiting reduced to 1 or 2 years for all diseases. (Not live yet)
Hospital Cash
₹1,000–₹2,000/day for up to 30 days if hospitalized at least 1 day.
Personal Accident
Lump sum of 500% SI for accidental death/disability, up to ₹1 Cr.
Limitless
Unlimited coverage without upper cap for a specified number of claims during policy lifetime.
Waiting Periods
Initial Waiting: 30 Days
No cover except for accidents.
Specific Illness: 2 Years
Gallbladder, kidney stones, arthritis, etc.
Pre-Existing Diseases: 3 Years
Customisable — can be reduced to 30 days for ABCD conditions.
Expert Take — Excellent: Waiting periods are excellent. The policy allows reducing PED to 1–2 years for all diseases and to 30 days for ABCD conditions via add-on.
Key Exclusions
Admissions primarily for diagnostics and evaluation purposes.
Diagnostic expenses not related to current diagnosis/treatment.
Admissions primarily for bed rest, not treatment.
Custodial care at home or facility for daily activity help.
Hospice/palliative services addressing non-medical needs.
FAQs
Does Optima Secure have waiting periods?
Yes — 30-day initial, 2-year specific illness, and 3-year PED (customisable via add-on).
Does it have room rent restrictions?
No. You can choose any room — single, shared, or deluxe.
Does it offer a restoration benefit?
Yes — 100% of cover restored for multiple hospitalizations in a policy year.