The future is scary enough and extremely uncertain. It is, therefore, necessary that you take care of your health, not just for yourself but for your near and dear ones as well. Diseases and health conditions are at their peak. Stress, pollution, hectic work schedule, unhealthy lifestyle- there are so many things which can affect your health.

Before you even realise it, your health starts deteriorating. The next moment you find yourself paying the hospital and treatment bills.

We all know that availing medical treatment can prove to be extremely heavy on your pocket. If you are not sure as to how to cope with the sky-rocketed health expenses, then you must go for health insurance.

The best part of having health insurance is that you can safeguard yourself as well as your family members by choosing the right plan and add-ons.

Health Insurance: What Does it Mean?

Health insurance plans also go by the name of medical insurances. Such insurance plans safeguard the policyholder by offering financial assistance in the form of adequate coverage. You can make the most out of such policies during a medical emergency. Health insurances offer coverage for different medical expenses such as yearly health checkups, pre and post hospitalisation expenditure, critical illness support, psychiatric support, expenses related to maternity, and much more. You can even customise health insurance plans as per your need.

How to Choose the Best Health Insurance Plan?

By now, you may be wondering which health insurance policy to choose for yourself and your family. Of course, there are multiple options available, but it is necessary to choose the best one. If you ask the experts to pick a single name, at this moment, it would undoubtedly be that of HDFC Ergo Optima Secure health insurance.

They stress the word "secure". You will be glad to know that they make special efforts and offer features and benefits which keep the policyholders safe, secure and tension-free. The health insurance plan seems to be quite attractive for policyholders as it offers almost 100% additional coverage above the principal sum insured.

4x Coverage at Zero Additional Cost

The HDFC Ergo Optima Secure health insurance comes with 4 times greater coverage. But they do not charge anything extra for this mammoth coverage. Let us explain to you how it works in 4 easy steps!

  1. The first step is to select the health coverage of your choice. At this stage, you need to decide the sum insured. Keep your requirements and budget in mind while choosing the coverage for yourself or your close ones. Suppose you have opted for a number of rupees 10 lakhs.
  2. As soon as you purchase the health insurance plan, the base coverage doubles up instantly. There is no need to make any claim to double up the sum. This means that the amount of 10 lakhs has now turned into coverage of rupees twenty lakhs. You need not pay any extra charge for this process.
  3. The first renewal takes place after one year of policy purchase. At this time, the base covers get enhanced by as much as 50%. And after two years, an increase of 100% takes place on your base cover. Now you are enjoying a total policy coverage of about 30 lakhs.
  4. Suppose you make a partial or total claim on your base cover of rupees 10 lakhs. The cover gets restored by 100% for any upcoming claim which you may make again in the same year.

Key Features of 4x HDFC Ergo Optima Secure Plan

  • Expenses of kits: The HDFC Ergo Health Insurance Optima Secure plan offers coverage for expenses pertaining to a delivery kit, recovery kit, and ortho kit.
  • Procedure expenses: The policy also takes care of the expenses related to items like surgical tapes, gauze, crepe bandage, cotton etc.
  • Support for medicinal devices: Belts, braces, cervical collars, and other medicinal devices also get covered by the policy.
  • Expenses related to disposables: Also, the health insurance plan offers in-built coverage for various disposable items such as nebulisation kits, buds, gloves etc.

Why is the Optima Secure HDFC Ergo insurance policy the best for you and your family?

  • Policyholders get to enjoy an additional 5% online discount.
  • They have over 10,000 plus cashless hospitals in their network.
  • The policy lets you enjoy up to a 50% discount on the health insurance premium.
  • To date, over 7500 crores claims have been settled.
  • The policy covers almost 60 to 180 days of pre as well as post hospitalisation.
  • Every minute, one claim gets settled, such as the score of the HDFC Ergo insurance policy.


Q. Will the Optima HDFC Ergo Optima Secure Plan offers Covid 19 expenses?

Ans: Yes, of course! The policy is apt for covering Covid 19 expenditures. Policyholders need not spend on any other plan for Covid 19 expenses.

Q. I have a newborn baby who is just 6 months old. Is it possible to include him in my health insurance plan?

Ans: Yes, it is possible to add your baby to the plan as soon as he is 90 days old. You can add him till his 25 years of age.

Q. What is the maximum health insurance sum which HDFC Ergo Optima Secure can offer to the policyholders?

Ans: The policy offers a maximum amount of rupees 2 crores.

Q. What is the protect benefit of the HDFC Ergo Optima Secure plan?

Ans: HDFC Ergo Optima Secure health insurance policy is the best health insurance plan which offers protection against 68 non-medical items such as PPE kits, masks, gloves and so on.

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