Why Choose HDFC ERGO Optima Secure

So Much Coverage 

Choose Your Health Cover 

Select your sum insured :

Suiting your budget and requirements, select the coverage you want. For example, let's consider you select a sum insured of ₹10 lacs.

Secure Benefit 

2X coverage from day 1 : 

Your base cover gets doubled instantly upon purchase, without having the need to claim it. This benefit will instantly increase your ₹10 lacs base cover to ₹20 lacs at no extra cost.

Plus Benefit

100% increase in coverage :

On 1st renewal your base cover increases by 50% after 1 year and 100% after 2 years, making it ₹15 lacs and ₹20 lacs respectively. Your total cover now becomes ₹30 lacs i.e 3X of your base cover.

Restore Benefit

100% restore coverage : 

Anytime you make a claim whether partial or total of ₹10 lacs base cover, it gets 100% restored for any subsequent claims in the same year.

So Much Benefits

PROTECT BENEFIT :

1. Support devices: We cover costs towards the cervical collar, braces, belts etc.
2. Cost of Disposables: Go cashless with in-built coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation.
3. Cost of Kits: We cover cost for delivery kit, orthokit and recovery kit.
4. Procedure Charges: We cover costs towards gauze, cotton, crepe bandage, surgical tape etc.

AGGREGATE DEDUCTIBLE DISCOUNT :

Aggregate deductible is the amount that you agree to pay before making a claim in a policy year. Get discount up to 50% every year by choosing to pay a little bit.

Discount Options :

1. 50% Discount: Get 50% flat discount on your base premium when you decide to pay ₹1 lac before making a claim in a policy year.
2. 40% Discount: Get 40% flat discount on your base premium when you decide to pay ₹50,000 before making a claim in a policy year.
3. 25% Discount: Get 25% flat discount on your base premium when you decide to pay ₹25,000 before making a claim in a policy year.
4. Note :To know more about aggregate deductible discount for sum insured above ₹20 lacs, please read the sales brochure/policy wordings.

SO MUCH SAVINGS :

1. Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online.
2. Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Secure policy on an individual sum insured basis.
3. Long Term Discount: If premium is paid in advance for 2 or 3 years policy tenure, then you get a premium discount of 7.5% and 10% respectively.
4. Loyalty Discount:Get 2.5% premium discount on the base premium if you have an active retail insurance policy with us, with a premium above ₹2000.

SO MUCH CHOICES :

1. Coverage: Choose between wide range of base cover from ₹5 lacs to 2 crores.
2. Policy Options: You can buy individual and family floater options.
3. Tenure: Select policy tenure between 1, 2 and 3 years.

Just Launched - No Cost Installment*^ Benefit for Optima Secure 

We have some good news to share. Now, you can purchase HDFC ERGO’s Optima Secure using an easy installment benefit. This benefit is available to one-year policyholders. You can choose from installment options: monthly, quarterly and half-yearly. To give customers more purchasing power, Optima Secure is easily available at affordable buying option.

How to Make a Claim for your HDFC ERGO Health Insurance

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.

Cashless Claim: 

1. Intimation : Fill up the pre-auth form at the network hospital for cashless approval.
   
2. Approval/Rejection : Once hospital intimates us, we send you the status update.
3. Approval/Rejection : Once hospital intimates us, we send you the status update.
4. Claim Settlement : At the time of discharge, we settle the claim directly with hospital.

Reimbursement Claim :

1. Hospitalisation : When you select a hospital, which is not in our network for reimbursement claims you need to pay the bills initially and preserve the original invoices.
2. Register A Claim : Post-hospital discharge send us all your original invoices and treatment documents.
3. Register A Claim : Post-hospital discharge send us all your original invoices and treatment documents.
4. Claim Settlement : We send the approved claim amount to your bank account.