HDFC ERGO Secure 4in1 – Simplify Your Insurance, Multiply Your Protection
HDFC ERGO Secure 4in1 combines health, personal accident, home, and cyber coverage under a single policy. It provides complete financial protection for you and your family, while simplifying your insurance management.
Why Choose HDFC ERGO Secure 4in1?
- ✅ Single Policy, Single Premium: No need to manage multiple policies or due dates.
- ✅ Flexible Packages: Customize according to your needs (my:Optima Secure mandatory).
- ✅ 4X Coverage: Enhanced benefits at no additional cost.
- ✅ Discounts: Up to 10% off on combined premium.
- ✅ Comprehensive Coverage: Health, home, cyber, and accident protection.
Coverage Overview
| Product | Key Coverage | Sum Insured | Highlights |
|---|---|---|---|
| my:health Koti Suraksha (Personal Accident) | Accidental death, permanent & temporary disablement, hospital cash, parental care, dependent children's education, weekly benefit for disablement | INR 10 lakhs – 1 crore | Temporary total disablement not available for children |
| my:Optima Secure | Secure Benefit, Plus Benefit, Restore Benefit, Protect Benefit | INR 5 lakhs – 2 crores | Pre & post hospitalization, emergency ambulance, daily cash, e-opinion on 51 illnesses, cashless at 16,000+ hospitals |
| Cyber Sachet Insurance | Theft of funds, identity theft, malware protection, cyberbullying, smart home cover | INR 1 lakh – 10 lakhs (Individual/family floater up to 4 members) | No deductible, family coverage, full online protection |
| Home Shield Insurance | Building & contents, electronics, jewellery, portable equipment, public liability, emergency accommodation | INR 50 lakhs – 1 crore | Optional reconstruction cost coverage, multiple optional benefits |
1. my:health Koti Suraksha
This plan provides financial protection against accidents for you and your family.
- 💡 Accidental Death & Permanent Disablement: Lump sum payout for accidents
- 💡 Temporary Total Disablement: Weekly benefit for incapacity
- 💡 Medical Expenses: Emergency treatment coverage
- 💡 Additional Benefits: Broken bones, last rites, parental care, hospital cash, children education
Sum Insured: INR 10 lakhs – 1 crore
2. my:Optima Secure
4X health coverage with multiple benefits:
- ⭐ Secure Benefit: 2X coverage from day 1
- ⭐ Plus Benefit: Sum insured increases 50% after 1 year, 100% after 2 years
- ⭐ Restore Benefit: 100% restore coverage after a claim
- ⭐ Protect Benefit: Zero deductions on non-medical expenses
Additional Coverage:
- Pre & post hospitalization (60 & 180 days)
- Preventive health check-ups
- Emergency road & air ambulance
- Daily cash & room rent at actuals
- E-opinion on 51 illnesses
- Cashless treatment at 16,000+ hospitals
Sum Insured: INR 5 lakhs – 2 crores
3. HDFC ERGO Cyber Sachet Insurance
Protection from online and digital risks:
- 🔒 Theft of funds & unauthorized transactions
- 🔒 Identity theft & online shopping fraud
- 🔒 Social media/media liability & privacy breaches
- 🔒 Malware decontamination & data restoration
- 🔒 Cyberbullying & reputation protection
- 🔒 Smart home cover & liability for children
Sum Insured: INR 1 lakh – 10 lakhs (Individual/family floater up to 4 members)
4. Home Shield Insurance
Comprehensive protection for your home and valuables:
- 🏠 Building & contents, electronics, furniture, jewellery
- 🏠 Public liability coverage
- 🏠 Optional: loss of rent, emergency accommodation, hotel stay, alternate living expenses
- 🏠 Choice of reconstruction cost or registered amount coverage
Sum Insured: INR 50 lakhs – 1 crore
Package Advantages
- 🌟 All-in-one protection
- 🌟 Flexible & customizable packages
- 🌟 Up to 10% discount on combined premium
- 🌟 Single policy & single renewal date
- 🌟 Peace of mind for health, home, cyber, and accidents
Conclusion
HDFC ERGO Secure 4in1 is a comprehensive insurance solution that combines health, accident, cyber, and home coverage under one package. With enhanced benefits, flexible options, and significant savings, it ensures complete protection for you and your family.
Protect what matters most – your health, home, finances, and online presence – with HDFC ERGO Secure 4in1.
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