SABSE BADA SACH – HDFC ERGO Optima Super Secure Benefits
A health insurance plan that gives you SO MUCH MORE than you expect! Get 5X coverage, guaranteed benefits, and unmatched protection for your family.
🌟 Core Benefits
| Benefit Name | Description | Coverage / Limit |
|---|---|---|
| Secure Benefit | Instantly triples your base cover from day 1 | 3X coverage from Day 1 |
| Plus Benefit | Increases base cover by 50% after 1 year and 100% after 2 years | 100% increase after 2 years |
| Restore Benefit | Restores 100% of base cover automatically once used | 100% Restore Every Year |
| Protect Benefit | Covers non-medical consumables like gloves, masks, kits | Zero Deduction on Consumables |
| Total Coverage | Combination of all above benefits | Up to 5X Coverage |
💪 Extra Coverage Benefits
| Feature | Details | Coverage Limit |
|---|---|---|
| Pre & Post Hospitalisation | Covers 60 days pre and 180 days post hospitalisation expenses | Included |
| Home Healthcare | Covers home treatment expenses on cashless basis | Included |
| Daily Cash (Shared Room) | Provides ₹1,000/day up to ₹6,000 for hospitalisation beyond 48 hrs | ₹6,000 Max |
| E-Opinion | Covers online consultations for 51 listed critical illnesses | ₹2,000 – ₹8,000 |
| Preventive Health Check-up | Free check-up every renewal year | As per Sum Insured |
| AYUSH Treatment | Covers inpatient alternative treatments like Ayurveda & Homeopathy | Up to Sum Insured |
| Organ Donor Expenses | Covers in-patient organ donor medical expenses | Up to Sum Insured |
| Emergency Air Ambulance | Covers emergency air transport | Up to ₹5,00,000 |
💰 Discounts & Value Options
- Deductible Discounts: Pay first ₹25,000 & get 25% off premium (up to 65% off for higher deductibles)
- Family Discount: 10% off when two or more family members are covered
- Loyalty Discount: 2.5% off for existing HDFC ERGO retail policyholders
➕ Optional Add-ons
| Add-on Cover | Coverage / Benefit |
|---|---|
| Individual Personal Accident Rider | Lump sum payout for accidental death or disability |
| Critical Illness Add-on | Covers 51 critical illnesses, sum insured ₹1L–₹2Cr |
| Hospital Cash Benefit | ₹500–₹10,000 per day for out-of-pocket expenses |
| Unlimited Restore | Unlimited restorations in a policy year |
| Optima Wellbeing | Covers outpatient and OPD benefits |
📋 Policy Details
- Coverage Options: ₹10 Lakhs – ₹2 Crores (Individual / Family Floater)
- Tenure: 3 Years
- Network Hospitals: 13,000+ across India
- Tax Benefits: Under Section 80D of Income Tax Act
- Lifelong Renewal: Guaranteed without health-based restrictions
- No Claim Loading: Premium doesn’t increase after claim
- No Co-payment: 100% cashless treatment across India
🤝 Trust & Support
- Quick claim settlement and pre-authorisation process
- 24x7 multilingual customer support (10 languages)
- Trusted by 1.55+ crore customers across India
📢 Final Words
Optima Super Secure gives you 5X health coverage with guaranteed benefits like Secure, Plus, Restore and Protect — all at no extra cost. It’s truly a plan that gives you So Much More Coverage, So Much More Choice, and So Much Trust.
Visit: www.hdfcergo.com for full details.
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