Overview
HDFC ERGO’s Optima Super Secure stands out by offering 3X sum insured from day one and up to 5X within two years—regardless of claims made. With built-in boosters like Secure, Plus, Restore, and Protect Benefits, the plan delivers early, transparent value. It covers ₹10 lakh to ₹2 crore, includes annual health check-ups, and offers cashless care at 13,000+ hospitals. If you want a no-fuss, high-coverage plan that grows fast and adapts to your life, this one’s built for long-term peace of mind.
Experts Review
Written by Nikhil Nair
Senior Writer
If you want a health plan that multiplies your coverage from day one, without fine print or waiting games, Optima Super Secure is one of the best out there. Its standout feature is the Secure Benefit, which triples your base sum insured instantly. So, a ₹10 lakh policy becomes ₹30 lakh from day one. Then comes the Plus Benefit (Bonus), which increases your base by 50% at the first renewal and 100% by the second, even if you’ve made claims. And if you use any part of your base cover, the Restore Benefit brings it right back, no questions asked.
The Protect Benefit is another win; it covers non-medical expenses like PPE kits and gloves that most insurers exclude. That means fewer out-of-pocket surprises at discharge. You also get long pre- and post-hospitalisation cover (60 and 180 days), AYUSH, organ donor expenses, cashless home healthcare in select cities, and daily cash payout if you voluntarily opt for shared accommodation and save the insurer money. Add-ons make it even more powerful. You can pick hospital cash, OPD (Optima Wellbeing), unlimited restore,
Of course, the extensive benefits come at a price. Premiums are higher, especially in metro cities or for high sum insureds. A major consideration is that the Optima Super Secure is exclusively available in the 3-year payment option. While this allows for convenience, discounts, and the benefit of escaping premium hikes due to inflation for three years, it also means a higher upfront premium cost, which takes the policy out of the running for cost-conscious customers.
Pros
Offers a wide range of features.
Insurer has a solid track record with great claim and service metrics.
Offers 3x 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
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
3x Secure benefit
STANDOUT
You get 3x 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 30 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 ₹10,000,000, 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
◦ 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.
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Frequently Asked Questions
Does Optima Super Secure have 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 Super Secure have room rent restrictions?
Does Optima Super Secure offer a restoration benefit?
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