HDFC ERGO Optima Secure Global

All You Need To Know

Features

HDFC ERGO Optima Super Secure redefines the value you get from health insurance, with SO MUCH benefits
that give an incredible 5X coverage at no additional cost.

So Much Coverage ,
So Much Choice
So Much Trust

So Much Savings
So Much More...

**Get So Much Coverage* Guaranteed^^**

Secure Benefit - 3X coverage from day 1
The base cover you opt for gets doubled instantly upon purchase, without having the need to claim it.
Plus Benefit - 100% increase in coverage after 2 years
The base cover increases by 50% after 1 year and 100% after 2 years, irrespective of any claims made.
Restore Benefit - 100% restore coverage
If a claim is made, 100% of the base sum insured gets restored in the policy automatically.
Protect Benefit - Zero deduction on non-medical expenses
Zero deductions on listed non-medical expenses to maximise your claim during hospitalisation.

All the above benefits of Optima Super Secure work together to give 5X coverage than the chosen cover.

So Much Coverage

60 and 180 days pre and post hospitalisation covered
Instead of 30 and 90 days availed normally, get 60 and 180 days pre and post hospitalisation medical expenses covered.
Preventive health check-ups
Get health check-ups after completion of each year and irrespective of claims
Get up to 50% discount on premium
Choose to pay a small amount on claim and get up to 50% discount on premium year-on-year
Daily cash for shared room
Get daily cash of ₹1000 per day up to a maximum of ₹6000 on hospitalisation, as out-of-pocket expenses.
Room rent at actuals
Expenses on room rent covered without any capping
E-opinion on 51 illnesses
Avail e-opinion on 51 critical illnesses through network provider in India

So Much Choice

Coverage
From INR 10 lakhs to 2 crores
Policy options
Individual and Family Floater options
Tenure
Policy tenure from 1 to 3 years
Premium instalment options
Monthly/Quarterly/ Half Yearly
Age Limit
Minimum Age - The minimum entry age for a dependent child (who is, natural or legally adopted) is 91 days and maximum entry age is 25 years.
Maximum Age - The maximum entry age is 65 years. There is no maximum cover ceasing age in this policy.

So Much Savings

Online Discount: Get 5% premium discount on the base premium if you buy a health insurance policy online
Family Discount: Get 10% family discount if 2 or more members are covered in a single Optima Super Secure policy on an individual sum insured basis
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
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 Trust

Network of healthcare providers
12,000+ healthcare providers**
Customer service
24x7 call centre servicing in 10 languages
Family of millions
Family of 1.5+ Cr happy customers@
Quick turnaround time
Offers quick turnaround time, reducing pre-authorisation hurdles.
Quick claim payment
Get quick claim settlements, to honour every genuine claim.
Tax savings
Get income tax benefits under section 80D of the Income Tax Act°
Lifelong renewal
Renew your insurance cover for life
No claim-based loading
No loading of renewal premium just because you claimed it or fell ill after taking the policy

Additional Benefits

Overseas Travel Secure

This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.

Unlimited Restore

This Optional Benefit will provide instant addition of 100% Basic Sum Insured on complete or partial utilization of Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year. This optional cover will trigger unlimited times and is available for all subsequent claims in a Policy Year.

My:Health Hospital Cash Benefit

my:Health Hospital Cash benefit add on meets your day to day needs with fixed daily cash for your personal expenses, food, transportation, loss of pay and much more. So make an estimate of your daily spends and pay a small amount today instead of feeling helpless tomorrow.

Claims Procedure

Initiate a claim or to know about the process visit HDFC ERGO Health Insurance Claim Process to initiate/Track a claim.

Connect on HDFC ERGO’s Whatsapp no 8169500500

Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

Terms of renewal

Life-long renewal - Get access to life-long renewal regardless of your health status or previous claims made under your policy, except on grounds of fraud or misrepresentation by the insured person.
Waiting period – The waiting periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your policy.
Renewal premium - These are subject to change with prior approval from IRDAI. Any change in benefits or premium (other than due to change in age) will be done with the approval of the Insurance Regulatory and Development Authority and will be intimated at least 3 months in advance.
Withdrawal of policy - In the likelihood of this policy being withdrawn in future, intimation will be sent to insured person about the same 3 months prior to expiry of the policy. Insured person will have the option to migrate to similar indemnity health insurance policy available at the time of renewal with all the accrued continuity benefits, waiver of waiting period etc; provided the policy has been maintained without a break as per portability/migration guidelines issued by IRDAI.
Migration - Any insured person in the policy has the option to migrate to similar indemnity health insurance policy available at the time of renewal subject to underwriting with all the accrued continuity benefits, waiver of waiting period etc; provided the policy has been maintained without a break as per portability/migration guidelines issued by IRDAI.
Portability - This plan offers you easy portability. So, if you are insured under another insurer's health insurance policy you can transfer to HDFC ERGO General Insurance Company Limited with all your accrued benefits at the time of renewal subject to underwriting guidelines, after due allowances for waiting periods and enjoy so much coverage.

So, get access to SO MUCH benefits with your Optima Secure Global, today!

Standard exclusions and waiting periods

Standard exclusions

Waiting periods

30 days initial waiting period | 24 months waiting period on specific illnesses & surgical procedures | 36 months waiting period on pre-existing diseases

For complete list please refer the policy wordings.

Section 41 of Insurance Act 1938 (Prohibition of Rebates):

1. No person shall allow or oer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the prospectus or tables of the insurers. 2. Any person making default in complying with the provision of this section shall be punishable with fine which may extend to Ten Lakh Rupees.

Discalimer:

Terms & Conditions Apply. ~~This is a one-time option which can only be availed if the eldest member is less than 50 years at the time of purchasing this Policy (with aggregate deductible) and is less than 61 years at the time of availing this option, subject to underwriting. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For additional covers, additional premium will be charged. For in-depth details on terms and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs. ^^Get Guaranteed Secure, Plus, Protect and Restore Benefits. Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lakh up to Base Sum Insured of equal to or less than 20 lakhs. •Based on claims of FY 2020-2021. **Healthcare Providers include Network hospitals and Diagnostic centers. Data as on March 2022. Please refer to the website www.hdfcergo.com for an updated network list. @As on July, 2022. °Subject to change in tax laws. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. The above mentioned product is underwritten by HDFC ERGO General Insurance Company Limited. HDFC Bank Limited (Senapati Bapat Marg, Lower Parel, Mumbai - 400 013) is an authorized corporate agent of HDFC ERGO General Insurance Company Limited. IRDAI License No. CA0010.

FAQs

1. What do we cover under Optima Secure Global Plan and Optima Secure Global Plus Plan ?

‘Optima Secure Global’ covers hospitalization expenses in India and in addition to that it also covers emergency medical expenses which are diagnosed and incurred outside India.

'Optima Secure Global Plus’ covers hospitalization expenses in India and in addition to that it also covers Planned and Emergency Medical treatments in overseas.

2. What are the Sum Insured options available under Optima Secure Global and Global Plus Plans?

Sum insured available under this Plan are 1Cr and 2Cr.

3. Whether there will be a separate sum insured limit for Treatment in India under the Global Plan?

There is no separate sum Insured for these Global Plans and hence sum insured opted is common for both treatments within and outside India.

4. What all is covered globally under this plan?

The Optima Secure Global plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Organ Donor Expenses, Emergency Air Ambulance, Protect Benefit, Plus Benefit and E Opinion for Critical Illness

The Optima Secure Global Plus plan provides coverage within India and also provides coverage for the below listed medical expenses incurred on planned and/or emergency medical treatments outside India. Hospitalization Expenses, AYUSH Treatment, Pre and Post hospitalization medical expenses ,Organ Donor Expenses, Emergency Air Ambulance, , Protect Benefit, Plus Benefit and E Opinion for Critical Illness

5. What will be the total sum insured amount available for India and Overseas treatments?

The maximum liability under Global and Global Plus plan shall not exceed the sum of Base Sum Insured and Plus Benefit (if applicable) for Treatments outside India, however for claims within India, the maximum liability in a policy year shall not exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit (if applicable), Restore Benefit (if applicable).

6. Whether Aggregate deductible option (if availed) will be applicable to treatment expenses outside India?

Aggregate Deductible if opted will apply for hospitalizations within India and will not be applicable for any claim expenses incurred outside India.

However, a Per Claim Deductible of INR 10,000 will apply separately for each and every claim under Global Plans of my: Optima Secure for treatments taken outside India (except for E Opinion for Critical Illness).

7. Will I get Cashless claim settlement facility Outside India?

Claims shall normally be payable on Reimbursement basis only. Cashless facility may be arranged on case to case basis.

8. What are the waiting periods under Optima Secure Global Plan?

A waiting period of 30 days is applicable for any treatment except accidental Injury, a 24 month waiting period is applicable for Specified illness and surgical procedures and a 36 months waiting period is applicable for pre-existing diseases.

9. What is Overseas Travel Secure?

This optional cover provides economy class airfare and accommodation expenses of the Insured's accompanying person, and economy class airfare for insured person basis plan chosen.

10. What are the add-ons options available in this plan?

There are 4 add-ons filed with this product which you can avail at the time of purchasing the policy. List of add-ons are as mentioned below:

1) my: health Critical Illness Add On

2) my: health Hospital Cash Benefit Add On

3) individual Personal Accident Rider

4) Unlimited Restore (Add on)

Discalimer:

*^No cost installment available for only debit and credit cardholders| *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit (4X coverage is applicable for claims incurred & made in India only). A single claim overseas in a policy year cannot exceed sum of base sum insured and plus benefit (if available). A single claim in India in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Under Plus Benefit, irrespective of claims means Sum Insured gets increased by 50% of base Sum Insured per year maximum up to 100%. Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities in India only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For add-on covers, additional premium will be charged. Get Guaranteed Secured, Plus, Protect and Restore Benefits for claims made in India.| ˇData as on March 2023, Available in selected cities only. |^* Figure as on 31st March 2023 |°for the Non-Medical Expenses listed under this Policy incurred in relation to an admissible claim |UIN: my: Optima Secure - HDFHLIP24092V032324

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