HDFC Ergo Optima Secure
HDFC Ergo · health insurance
“Why waste time say lot word, when few word do trick?”
A strong all-round family plan on paper: no room-rent cap, no co-pay and a Secure Benefit that doubles cover from day one. The 36-month pre-existing wait is standard.
- 8.5/10 overall score
- Pricing band: Rs 15k-34k
- Best for: metro-buyers
Key facts
- Score
- 8.5/10
- Pricing
- Rs 15k-34k
- Best for
- metro-buyers
Plan details from the policy wording
Product UIN HDFHLIP25041V062425. Checked on 2026-10-18. Fields marked “Not yet verified” were not in the documents we reviewed.
| Sum insured options | Rs 5L, 10L, 15L, 20L, 25L, 50L, 1Cr, 2Cr (Annexure C plan chart) |
|---|---|
| Entry age | Not yet verified |
| Room rent | At actuals; ICU at actuals |
| Co-payment | None in the plan chart. The wording says no co-payment applies when a Tier 2 policyholder is treated in Tier 1 |
| Pre-existing disease wait | 36 months (optional add-on can reduce it to 1 or 2 years) |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months |
| Restoration / reset | Automatic Restore of 100% of base sum insured |
| No-claim / cumulative bonus | No cumulative bonus. Secure Benefit adds 100% of base cover from day one; Plus Benefit adds 50% of base a year, up to 100% |
| Pre / post hospitalisation | 60 days before / 180 days after |
| Day care | Covered up to sum insured |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Aggregate deductible; PED wait modification |
Sources
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- No room-rent cap: room and ICU are paid at actuals, so no proportionate deduction
- Secure Benefit doubles the usable cover from the first day
- Long 180-day post-hospitalisation window
- No co-payment in the base plan
Cons
- Standard 36-month wait for pre-existing diseases unless you pay to shorten it
- Restore is once a year at 100% of base cover, not unlimited
- Entry age is not stated in the policy wording; confirm it on the proposal form
Our verdict
tldr.money editorial score: 8.5/10
A strong all-round family plan on paper: no room-rent cap, no co-pay and a Secure Benefit that doubles cover from day one. The 36-month pre-existing wait is standard.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | HDFC Ergo Optima Secure | HDFC Ergo Optima Secure+ | HDFC Ergo Optima Super Secure |
|---|---|---|---|
| Score | 8.5/10 | 8.7/10 | Not scored yet |
| Pricing | Rs 15k-34k | Rs 16k-36k | Quote-based (age, city and cover) |
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FAQ
Does HDFC Ergo Optima Secure have a room-rent limit?
At actuals; ICU at actuals. Source: HDFC ERGO my: Optima Secure policy wording (covers Optima Secure and Optima Super Secure), UIN HDFHLIP25041V062425.
What are the waiting periods in HDFC Ergo Optima Secure?
Initial: 30 days. Pre-existing diseases: 36 months (optional add-on can reduce it to 1 or 2 years). Specific illnesses: 24 months.
Is there a co-payment in HDFC Ergo Optima Secure?
None in the plan chart. The wording says no co-payment applies when a Tier 2 policyholder is treated in Tier 1
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