HDFC ERGO General Insurance

HDFC ERGO Optima Secure

Plain-English breakdown of the plan — every field a shopper actually needs before clicking buy. Compiled from public HDFC ERGO brochures and policy wordings. Always confirm against the official PDF below.

family floaterindividual

Get official policy wording from HDFC ERGO ↗I already have a PDF — decode it →

Trust at a glance

HDFC ERGO — IRDAI FY 2024-25

Verified

Claim Settlement Ratio: 97.37%
Incurred Claim Ratio: 84.85%
Complaints / 10,000 claims: 15
Network hospitals: 13,000

Source: IRDAI Annual Report FY 2024-25 · UIN 146PolicyPlain earns no commission · numbers shown verbatim

Plan details

Every field, in one place

Sum insured options: ₹5L · ₹10L · ₹15L · ₹20L · ₹25L · ₹50L · ₹1Cr · ₹2Cr
Pre-existing disease (PED) waiting: 36 months
Pre-existing covered: Covered after PED waiting period
Co-payment: No copay published
Room rent: No cap
Restoration of sum insured: Unlimited (subject to clauses)
No Claim Bonus (NCB): 50% per claim-free year
Cashless network: 13,000 hospitals (insurer disclosure)
Free-look cancellation window: 15 days
Premium grace days: 30 days
IRDAI UIN: Not confirmed — verify on irdai.gov.in
Last verified: 2026-06 · third party aggregator

Honesty note: Secure Benefit / Plus Benefit mechanics described from public marketing material; verify against HDFC ERGO Optima Secure policy wording.

Indicative premium

Order-of-magnitude only — NOT a quote

Age	Sum insured	Approx annual premium
35	₹10L	~₹16,000/yr
45	₹10L	~₹22,000/yr

Indicative figures vary by city, family member count, medical loading and policy term. Always confirm on the insurer's premium calculator.

Known exclusions

What this plan typically does NOT cover

Cosmetic surgery (non-reconstructive)
Maternity and newborn cover (unless add-on opted)
OPD without specific rider
Sleep disorders and chronic fatigue syndrome
Hazardous sports and adventure activities

Known traps

The fine print that decides claim outcomes

Secure Benefit (2x cover from day 1) is HEADLINE — it applies to base sum insured but resets on claim usage; read clause carefully.
Plus Benefit (50% cumulative bonus every claim-free year) caps at 100% of base SI.
Restore is unlimited but only triggers AFTER base SI exhaustion — not topped up automatically.
Hospital definition requires minimum 10 in-patient beds in non-metro / 15 in metro — many nursing homes don't qualify.
Modern treatments capped at 50% of sum insured.

How to claim

Cashless vs reimbursement — the steps

1Notify insurer. Within 24 hours of emergency admission or 48-72 hours for planned hospitalisation. Use HDFC ERGO's helpline or app — keep the reference number.
2Cashless: Pre-authorisation form filled by hospital, sent to HDFC ERGOvia the hospital's TPA desk. Approval typically 4-6 hours during business; longer overnight. If your hospital is OUT of network (or PPN-only), you'll be on reimbursement.
3Reimbursement:Pay hospital out-of-pocket, then submit claim form + original bills + discharge summary + investigation reports + KYC. Insurer's IRDAI-mandated turnaround is 30 working days from receipt of complete documents.
4Watch for deductions. Room rent above your eligible category triggers proportionate deduction across the WHOLE bill, not just room rent. Sub-limits on cataract / modern treatment apply even when total SI is far higher.
5If denied: Ask for a written denial citing the exact clause. Internal grievance redressal first, then IRDAI Bima Bharosa or the Insurance Ombudsman.

Got a HDFC ERGO PDF in hand?

PolicyPlain's extractor reads your specific HDFC ERGO wording and surfaces the exact clauses, sub-limits and traps from your policy — not just the catalog defaults.

Upload my HDFC ERGO PDF →← Back to plans library