Optima Secure Global Health Insurance
Comprehensive worldwide protection with smarter benefits, affordable premiums, and lifelong security for your loved ones.
About the Plan
HDFC ERGO Optima Secure Global is designed to offer complete peace of mind by providing you with global-quality healthcare access and unique benefits that expand your cover up to 5X your base sum insured. Whether you are at home or abroad, this plan ensures financial protection, advanced care, and seamless claim experience for you and your family.
Key Highlights
- ✔ Up to 5X cover with Secure, Plus, Restore, and Protect benefits.
- ✔ Worldwide coverage for medical emergencies.
- ✔ No claim-based premium loading — renew without worry.
- ✔ Cashless treatment across 16,000+ hospitals in India.
- ✔ Tax benefits under Section 80D.
Core Benefits Explained
Secure Benefit: Instantly doubles your sum insured from Day 1, giving you 2X protection without extra premium.
Plus Benefit: Increases your base cover by 50% after 1 year and 100% after 2 years, even if you have made claims.
Restore Benefit: Automatically restores your entire base cover once it’s used, ensuring you never run out of protection.
Protect Benefit: Covers listed non-medical items like gloves, masks, syringes, and more — with zero deductions.
Real-Life Example
Meet Mr. Sharma (Age 35) — a businessman from Delhi who chooses Optima Secure Global for his family of three with ₹1 Crore base cover.
- With Secure Benefit, his cover instantly becomes ₹2 Crore.
- After 2 years, with Plus Benefit, it grows to ₹3 Crore.
- Restore Benefit ensures his ₹1 Crore base is refilled once used.
- And Protect Benefit covers all his non-medical costs.
Total effective coverage value: up to ₹5 Crore!
Comprehensive Coverage Includes
| Feature | Details |
|---|---|
| Pre & Post Hospitalisation | 60 days before and 180 days after hospitalisation. |
| Home Healthcare | Cashless home treatment option available. |
| Preventive Health Check-up | Annual check-up for all insured members. |
| Air Ambulance | Emergency coverage up to ₹5 Lakhs. |
| Organ Donor Expenses | Covers donor hospitalisation expenses up to sum insured. |
| AYUSH Treatments | Full coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. |
Optional Add-ons
- Critical Illness Cover (51 illnesses)
- Hospital Cash Benefit
- Unlimited Restore Option
- Personal Accident Rider
- Optima Wellbeing (OPD cover)
Comparison: Optima Secure vs Standard Health Plan
| Feature | Optima Secure Global | Standard Plan |
|---|---|---|
| Base Cover | ₹5L – ₹2Cr | ₹5L – ₹25L |
| Coverage Expansion | Up to 5X | No multiplier |
| Non-Medical Item Cover | Included | Excluded |
| Worldwide Emergency Cover | Yes | No |
| Restore Benefit | 100% Automatic | Optional / Limited |
| Premium Loading | No Loading | May Apply |
Trust and Support
- 1.6+ Crore satisfied customers across India.
- Cashless access to 16,000+ hospitals.
- 24×7 multilingual customer assistance.
- Hassle-free digital claim settlement.
Waiting Periods & Exclusions
- 30 days initial waiting period for all illnesses (except accidents).
- 24 months waiting for listed ailments.
- 36 months for pre-existing diseases.
Post a Comment