Best For

Comprehensive Coverage

Best For

Chronic Conditions Coverage

Best For

OPD Coverage

Best For

International Coverage

HDFC Ergo
HDFC Ergo

Optima Secure Global

4.23

Rated by Ditto Insurance

Sum Insured

₹1 Cr ₹2 Cr

Premiums

Expensive

Entry Age

Adult: 18 Years - 100 Years

Child: 91 Days - 25 Years

Exit Age

Adult: No Limit

Child: 26 Years

Overview

HDFC ERGO Optima Secure Global is a plan that goes the extra mile to offer policyholders world-class health insurance with the flexibility to choose medical facilities across the globe. A key feature is that the plan doubles the coverage from day one, followed by 50 and 100% increases in the base cover after the first and second years, respectively. As the name suggests, the policy also offers global health coverage, zero deduction on listed non-medical expenses, and even options to make overseas travel secure, giving you peace of mind at home and abroad.

Experts Review

Nikhil Nair

Written by Nikhil Nair

Senior Writer

Ishita Jain

Reviewed by Ishita Jain

Editor

IRDAI-Certified Expert
IRDAI Certified

The Optima Secure Global plan by HDFC ERGO is a solid option for frequent (international) flyers or those seeking treatment outside India. The addition of benefits that cover travel and accommodation for a companion during overseas hospitalization also adds a layer of comfort and practicality. Another appealing feature is its 2X “Secure Benefit”, which doubles your coverage right off the bat. Adding to this is the “Plus Benefit,” which enhances your coverage over the first two years to ensure you are better protected as time goes on.

However, as with all HDFC ERGO plans, the reliable features come with a direct hike in premium costs. So if you wish to lower your premiums, it is crucial to consider the aggregate deductible options carefully and be wary of the trade-offs. The plan also mandates a deductible of ₹10,000 for every claim made overseas, which is worth noting as it may add up depending on your needs. And although the “Protect Benefit” covers non-medical expenses, make sure to understand exactly what’s included.

Pros

Offers a wide range of features.

Insurer has a solid track record with great claim and service metrics.

Offers 2x Secure benefit, which makes this policy stand out.

Cons

Premiums are relatively high.

Maternity benefits not offered, which is a notable gap. Need to opt add-on for maternity cover.

Doctor consultations are not covered, which could be a drawback for some. Need to opt add-on for doctor consultations.

HDFC Ergo

HDFC Ergo

Key Insights

Founded

2002

HDFC Ergo was established 23 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

98% claims settled in 30 Days

HDFC Ergo settles 98% of all claims it receives demonstrating strong credibility.

Network Hospitals

13,000+

HDFC Ergo has a strong network with over 13,000 hospitals, ensuring wide accessibility and convenience for policyholders.

Complaints

7 complaints per 10,000 claims registered

HDFC Ergo maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.

Features

All

Great

Good

2x Secure benefit

STANDOUT

You get 2x the cover you pay for: When you buy a policy with a cover of 10 lakhs for instance, you are automatically entitled to a cover of 20 Lakhs starting from day 1.

Co-payment

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

Room Rent

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

Disease sub-limit

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

Pre existing diseases waiting

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

Customisable

For Asthma, Hypertension, Cholesterol, Diabetes: Pre existing disease waiting period is reduced from 3 years to 30 days.

Customisable

For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.

Add-ons

Unlimited Restore

Recommended

Restores the cover unlimited times up to 100% of the sum insured for any illness.

Optima Well-being

Recommended

Each insured member can avail of unlimited tele and in-clinic consultations with General Physicians from network-partnered facilities. Additionally, one can avail of free home sample collection and discounts on tests taken from partnered facilities. They can also take unlimited online fitness classes, counselling sessions for mental health, diet, and nutrition from partnered facilities.

ABCD Chronic Care

Recommended

For Asthma, Hypertension, Cholesterol, Diabetes: Pre existing disease waiting period is reduced from 3 years to 30 days.

Aggregate Deductible

Choose deductible between ₹25,000 and ₹5,00,000 and get a discount on premiums.

Individual Personal Accident

Paid out as a lump sum of 500% of sum insured for Accidental Death, Total Permanent Disability, Permanent Partial Disability up to a limit of ₹10000000, applicable only for the proposer.

Parenthood

Maternity expenses covered between ₹50,000 and ₹2,00,000 after a waiting period of 2 years.

Hospital Cash

Hospital cash benefit paid out if hospitalization is at least 1 day, with a maximum payout of ₹1000 to 2000 for up to 30 days.

Reduction in PED

For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.

Limitless

Unlimited coverage (without any upper cap) for a specified number of claims during the Policy lifetime.

Permanent Exclusions

Conditions or treatments that the policy clearly says it will not cover.

Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.

Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.

Expenses for admission primarily for bed rest and not for treatment are excluded.

Custodial care at home or in a facility for help with daily activities is excluded.

Services for terminally ill individuals addressing non-medical needs are excluded.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness

The following illnesses are not covered under the policy for 2 years.

Internal congenital diseases

Non-infective arthritis

Pilonidal sinus

Diseases of the gallbladder, including cholecystitis

Calculus diseases of the urogenital system (e.g., kidney stones, urinary bladder stones)

Waiting Period

30 days Initial waiting period

2 years Specific illness waiting period

3 years Pre-existing disease waiting periodCustomisable

Ditto's Take

Ditto's Take

Excellent

Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 1 and 2 years for all diseases and to 30 days for certain diseases.

What's missing in the policy

Maternity benefits not offered. Need to opt add-on for maternity cover.

Doctor consultations are not covered. Need to opt add-on for doctor consultations.

Customer Reviews

A

Aarav Sharma

The 2X Secure Benefit doubling my coverage from day one was a huge selling point! Feel very secure.

A

Aditya Gupta

Love the Plus Benefit that increases my cover automatically. Shows they care about long-term protection.

A

Akhil Patel

The flexibility to choose medical facilities globally is just what I needed. World-class treatment options.

A

Anjali Reddy

The ₹10,000 deductible for overseas claims was a bit of a surprise. Need to factor that in.

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Frequently Asked Questions

Does Optima Secure Global have waiting periods?

Yes. Optima Secure Global imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.

Does Optima Secure Global have room rent restrictions?

No. Optima Secure Global lets you stay in any room available in the hospital - Single Private Room, Share Room, Deluxe Room, etc.

    Does Optima Secure Global offer a restoration benefit?

    Yes, Optima Secure Global does offer a restoration benefit. You will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations, in a policy year.