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Optima SecureBest Premium PlanHDFC Group

HDFC ERGO Optima Secure

by HDFC ERGO General Insurance

★★★★☆4.4(24,567 reviews)

HDFC ERGO Optima Secure provides 200% coverage of the base sum insured through its innovative Secure benefit, making it India's most protective plan.

Monthly Premium

₹750 - ₹4,000

Deductible

₹0 - ₹15,000

Coverage Type

premium
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Coverage Details

✓Hospitalization
✓Outpatient Care
✓Dental
✓Vision
✓Mental Health
✓Maternity
✓Prescription Drugs
✓Emergency Care
✗International Coverage
✓Telehealth

Pros

  • ✓200% base sum insured
  • ✓Large no-claim bonus
  • ✓HDFC reliability
  • ✓Premium benefits

Cons

  • ✗Expensive premiums
  • ✗Waiting period for PED
  • ✗Complex benefit calculation

Editorial Review

“Optima Secure's 200% benefit is a genuine innovation — it effectively doubles your coverage without doubling your premium.”

— Mint Money Insurance Awards 2025

Key Highlights

  • ✓200% secure benefit
  • ✓No claim bonus up to 100%
  • ✓Secure Plus add-on

Quick Summary

ProviderHDFC ERGO General Insurance
CountryIndia
Rating4.4/5
Reviews24,567
Typepremium

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