HDFC ERGO Optima Secure: benefits, variants and the fine print
Optima Secure is one plan inside HDFC ERGO's my:Optima Secure product (UIN HDFHLIP26058V082526). It pays any room and ICU at actuals, 60 days before and 180 days after a hospital stay, and gives three ways to grow cover: Secure Benefit adds 100% of the base sum insured each year once the base is used up, Plus Benefit adds 50% a year up to 100% even if you claim, and Restore adds 100% once a year. Pre-existing diseases wait 36 months.
How the three extras work
- Secure Benefit: an extra 100% of the base sum insured, available once a year after the base is used up, for any number of claims that year. It does not carry forward.
- Plus Benefit: 50% of the base sum insured added at each renewal, up to 100%. The wording says it applies irrespective of the number of claims.
- Automatic Restore: 100% of the base sum insured added once a year after a claim uses up cover, even for the same illness.
- Protect Benefit: pays for items a hospital bill normally leaves out. It is built in, and you can remove it.
All 8 plans in this product, side by side
| Plan | Room | Bonus | Secure Benefit | Restore |
|---|
| Optima Suraksha | Actuals | 10% a year, up to 100% | None | 100%, once a year |
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| Optima Secure | Actuals | Plus Benefit, 50% a year up to 100% | 100% | 100%, once a year |
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| Optima Super Secure | Actuals | Plus Benefit, 50% a year up to 100% | 200% | 100%, once a year |
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| Optima Secure + | Actuals | Infinite Benefit, 100% a year with no cap | 100% | Unlimited |
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| Optima Secure Global | Actuals | Plus Benefit, 50% a year up to 100% | 100% | 100%, once a year |
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| Optima Secure Global Plus | Actuals | Plus Benefit, 50% a year up to 100% | 100% | 100%, once a year |
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| Optima Select | Single private room | 25% a year, up to 100% | None | Unlimited |
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| Optima Lite | 1% of sum insured a day (ICU 2%) | 10% a year, up to 100% | None | Unlimited |
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Room capping
Optima Secure has no room limit. You can choose to cap it at a single private room for a lower premium, subject to underwriting. Optima Select defaults to a single private room and can switch to actuals or a shared room. Optima Lite is fixed at 1% of the sum insured a day.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
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| Pre-existing diseases | 36 months, unless your schedule says otherwise. An option reduces it to 1 or 2 years. |
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| Listed illnesses and surgeries | 24 months. |
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Frequently asked questions
Does HDFC ERGO Optima Secure have unlimited restoration?
Not on the Optima Secure plan, where Restore adds 100% once a year. Unlimited restore is built into Optima Secure +, Optima Select and Optima Lite.
Is there a room-rent limit in Optima Secure?
No. Room and ICU are paid at actuals. You can opt into a single private room cap for a lower premium.
Does a claim reduce the Optima Secure bonus?
No. The Plus Benefit adds 50% of the base sum insured each renewal, up to 100%, irrespective of claims.
What is the difference between Optima Secure and Optima Secure +?
Optima Secure + replaces the Plus Benefit with the Infinite Benefit, which adds 100% of the base sum insured every year with no upper limit, and its restore is unlimited.
Compare these plans clause by clause
Where this comes from
- HDFC ERGO my:Optima Secure policy wording, UIN HDFHLIP26058V082526. Clauses B-1, B-2.3 to B-2.6, B-2.12, B-2.13, B-2.17, C-1 Excl01, Excl02, Annexure C plan chart.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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