HDFC ERGO Launches Optima Secure Health Policy

  • The new policy provides coverage of 4 times the sum insured at no surcharge

  • Secure, Plus, Restore and protect benefit work perfectly to offer clients tremendous worth

  • Customers can get up to 50% discount rate with optional value buy deductible

HDFC ERGO General Insurance, India’s leading non-life insurer in the private sector, revealed the launch of Optima Secure, a new health indemnity medical insurance item that seeks to redefine the worth consumers can get from their insurance plan.

The product has the Secure, Plus, Protect, and Restore benefits integrated that integrate flawlessly to offer clients up to 4 times their amount guaranteed at no added fee while guaranteeing coverage for listed non-medical expenses.

The policy offers 4 unique features:

  • Secure Benefit – doubles the insurance coverage cover instantly and immediately on purchase of the policy

  • Plus advantage – increases the base protection automatically by 50% after 1 year and to 100% after 2 years, even if there is a claim

  • Restore Benefit – if you run out of coverage, the policy will restore your base coverage up-to 100%

  • Protect benefit – guarantees Zero reduction on consumables and listed non-medical expenses

The item likewise provides customers discount rates of approximately 50%, need to they choose to pay a small amount from their own pocket in the event of a claim.

Discussing the launch of the new item, Mr. Ritesh Kumar, MD & CEO, HDFC ERGO General Insurance Company said, “Optima Secure will redefine the value clients can obtain from their medical insurance plan. At HDFC ERGO, we will continue to bring and innovate breakthrough items, backed by leading edge technology, to the marketplace across all our services. Our ingenious items, state of the art technology and our monetary strength indicate that our clients can trust us to be there when they have a claim.”

Mr. Ravi Vishwanath, President – Accident & Health Business, HDFC ERGO General Insurance Company, said, “We listened to our consumers and have developed a product that secures against increasing healthcare expenses, is simple to comprehend, and provides significant value. The Secure, Plus, Protect, and Restore benefits interact to offer consumers 4 times the protection. The product provides broad coverage from 5 Lacs to 2 Crore. With the value buy alternative, customers can get more than a 50% discount rate. They can access cashless services at nearly 10,000 healthcare facilities across the nation. In Optima Secure, there is a protection level and premium level available that is right for every single individual and household.”


HDFC ERGO General Insurance Company is a joint endeavor in between Housing Development Finance Corporation Ltd. (HDFC) and ERGO International AG; the main insurance entity of the Munich Re Group of Germany. The Company uses a complete range of General Insurance products consisting of Health, Motor, Home, Agriculture, Travel, Credit, Cyber and Personal Accident in the retail space together with Property, Marine, Engineering, Marine Cargo, Group Health and Liability Insurance in the business space. HDFC ERGO likewise provides a series of products for rural India, including Gramin Suraksha, Parivaar Suraksha, Crop, Weather and Cattle insurance coverage. Additionally, ingenious insurance items like Mosquito Disease Protection Policy, [email protected], Dynamic Flight Delay, Sportify, Drone Insurance, Title Insurance and Solar Energy Shortfall Insurance to name a few; have also set milestones in the method insurance coverage can adjust to and deal with the consumer’s requirements.

Over the last few years, HDFC ERGO has continuously striven to not just align itself to the progressing market requirements, but instead be a pioneer in terms of its offerings. From being mobile-first to a digital-first Company and now moving towards an AI-first Company; HDFC ERGO has actually been a leader in executing technology to use consumers the best-in-class service experience. Having its ears to the ground has further assisted the Company create a stream of extremely targeted new products in addition to ai-based & digital tools like the Digital Insurance Assistant (DIA) chat bot, WhatsApp chat bot, e-mail bot age and the execution of the Intelligent Damage detection Estimation and Assessment Solution (IDEAS) module for motor claims. HDFC ERGO’s sales process is totally digital with ~ 93% of retail policies provided digitally and the self-help tech platform has actually empowered clients to avail 58% of the services essentially in a self-help mode on a 24×7 basis. Be it distinct insurance products, incorporated customer support models, top-in-class claim process or a host of highly ingenious options, the Company has been able to thrill its customers at every milestone and every touch-point to ensure consumers are serviced in real time, 24×7.

With a broad circulation network and a 24×7 assistance group, the Company has been using seamless customer service and innovative products to its consumers. Please visit to to find out more on HDFC ERGO and the services and items offered by the Company.