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HDFC ERGO
Optima Secure - Optima-Secure
Comprehensive health insurance plan that instantly doubles your base cover from day one and features automatic restorations, no-cost coverage for non-medical expenses (consumables), and cumulative bonuses that can multiply your coverage.
PLAN SELECTION
8 plans available with 10 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong5 to watch
What's strong
- Road ambulance uncapped - most insurers cap this at ₹2,000–3,000.
- Automatic Restore - full base cover added back after any claim.
- Secure Benefit: an extra pool worth 100% of base cover from day 1.
- Non-payable items (gloves, consumables) covered inbuilt, no add-on needed.
- Free specialist second opinion on 51 critical illnesses - doesn't touch your SI.
What to watch
- Maternity excluded from base - needs the Parenthood add-on, 2-year wait.
- Pre-existing conditions wait 36 months; shorter wait must be set at purchase, can't add later.
- No newborn baby cover - a new baby has no dedicated benefit.
- No OPD in base - everyday doctor visits need the Wellbeing add-on.
- Dental limited to accidental hospitalisation only, not disease-driven cases.
What Matters Most
FeatureKey DetailOur Verdict
Strong
Strong
Standard
Standard
Strong
Strong
Standard
Standard
Strong
Strong
Strong
Strong
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StrongCommonly Missed
Most plans pay your hospital room at actuals - no daily rupee cap and no room category limit. Optima Select caps you at a Single Private room and Optima Lite at 1% of base sum insured per day.
Coverage detailstap any row to understand it
Watch out
If you take a room above your plan's limit, the insurer cuts the same percentage from your room charge and from your associated medical expenses.
StandardCommonly Missed
Conditions you already had are not covered for the first 36 months of continuous cover. The wait can be cut to 24 or 12 months on any plan, but that option is sold at channel level only and only at inception - an individual buyer cannot ask for it.
Coverage detailstap any row to understand it
Watch out
After 36 months a pre-existing condition is covered only if you declared it when you applied and the insurer accepted it.
Strong
ICU and ICCU bed charges are paid at actuals on every plan except Optima Lite, which limits them to 2% of base sum insured per day. Even where you choose a lower room category, ICU stays at actuals.
Coverage detailstap any row to understand it
Watch out
On Optima Lite, 2% of a ₹5,00,000 base sum insured is ₹10,000 a day, and ICU beds in metro hospitals often cost a lot more than that. The room-rent modification on the other plans leaves ICU untouched, so downgrading your room does not downgrade your ICU cover.
StandardCommonly Missed
Restore Benefit adds back 100% of your Base Sum Insured the moment an claim uses up your cover, partly or fully. Optima Select, Optima Lite and Optima Secure+ restore an unlimited number of times. The restored money pays only claims that come after it, not the bill that used up your cover.
Coverage detailstap any row to understand it
Watch out
The refill cannot pay the bill that exhausted your cover - one single claim can never exceed your Base Sum Insured plus whatever Secure Benefit and bonus are left. If you take a ₹10 lakh aggregate deductible or higher, the Automatic Restore Benefit does not apply at all.
Strong
Your cover grows every year whether or not you claim. Optima Suraksha and Optima Lite add 10% of Base Sum Insured a year and Optima Select 25%, both up to 100%. The Optima Secure family instead uses Plus Benefit at 50% a year up to 100%, and Optima Secure+ uses Infinite Benefit at 100% a year with no ceiling at all.
Coverage detailstap any row to understand it
Watch out
The bonus is credited only on renewal without a break, and only if the cover is shown in your Policy Schedule. Only one of these runs at a time. If you take Plus Benefit on a plan that had Cumulative Bonus, the accrued bonus carries over and the Cumulative Bonus stops. The same either-or rule applies between Plus Benefit and Infinite Benefit.
Strong
The Secure Benefit adds a second Sum Insured on top of your base from day one, before any claim. On the Optima Secure, Global, Global Plus and Secure+ plans it is 100% of your Base Sum Insured; on Optima Super Secure it is 200%. It is spent after the base cover runs out and it raises what one single bill can be paid - a ₹10,00,000 cover can pay ₹20,00,000 on one hospitalisation. Optima Suraksha, Select and Lite do not have it.
Coverage detailstap any row to understand it
Watch out
The Secure Benefit applies only once in a policy year, though it can be spread across any number of claims in that year. Anything left over does not carry into the next year.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
48 ConditionsWaiting Period: 24 months
Spine & Back
Ankylosing Spondylitis
Inflammatory Spine Disease
Back & Spine
A painful joint disease that causes the bones in the spine to fuse together.
The exact words
“Non infective Arthritis”
Section C.1.b · pages 31–32
Prolapse of Intervertebral Disc
Slip Disc (Back problem)
Back & Spine
A back problem where a spinal disc slips and presses on nerves.
The exact words
“Surgery for prolapsed inter vertebral disc”
Section C.1.b · pages 31–32
Digestive & Abdominal
Gastritis, Peptic Ulcers and GERD
Acid reflux and stomach ulcers
Upper Abdomen
Acid damage causing burning or sores in the food pipe, stomach, or the first part of the intestine.
The exact words
“Ulcer and erosion of stomach and duodenum”
Section C.1.b · pages 31–32
Cholelithiasis and Cholecystitis
Gallstones
Upper Abdomen
Hard stone-like pieces in the gallbladder that cause stomach pain.
The exact words
“Diseases of gall bladder including cholecystitis”
“Cholecystectomy”
Section C.1.b · pages 31–32
Pancreatitis
Pancreas swelling
Upper Abdomen
Swelling in the stomach organ that helps with digestion.
The exact words
“Pancreatitis”
Section C.1.b · pages 31–32
Policy Exclusions
What this plan won’t pay for
We read all 35 exclusion clauses in this policy. 19 clauses change what you’d actually claim.
Never paid
8 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
11 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
9 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
5%
About the provider
HDFC ERGO
Filed plan · UIN HDFHLIP26058V082526
Comparisons· 10 pairs
Put it next to another plan
Optima Secure beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: HDFHLIP26058V082526