HDFC ERGO Optima Secure

4X Coverage Multiplier Health Plan • UIN: HDFHLIP21008V012021

Groundbreaking health insurance that automatically provides 4X coverage: 2X from day one, 3X in 2 years, plus 100% instant restoration and zero consumable deductions.

Key Features & Benefits

• Secure Benefit: Additional 100% base cover given automatically from Day 1 at zero extra cost
• Plus Benefit: Base cover increases by 50% after Year 1 and 100% after Year 2 (regardless of claims)
• Restore Benefit: 100% base cover instantly restored 100% of the time upon any partial or full exhaustion
• Protect Benefit: Covers 100% of hospital non-medical consumables (PPE kits, gloves, sanitizers, syringes)
• Cashless hospitalization across 14,000+ empanelled hospitals with zero room rent capping

Limitations & Waiting Periods

• Initial 30-day waiting period applies for non-accidental hospitalizations.
• 24-month waiting period for specific listed illnesses (hernia, cataract, joint replacements).
• Pre-existing diseases covered after 36 months (can be reduced to 24 months with rider).