HDFC Ergo Optima Super Secure
HDFC Ergo · health insurance
“Why waste time say lot word, when few word do trick?”
The bigger-cover version of Optima Secure: the same wording with a 200% Secure Benefit and a Rs 10 lakh minimum sum insured. Pick it if you want very high usable cover without buying a separate super top-up.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: high-cover-buyers, families
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- high-cover-buyers, families
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 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 200% of base cover; 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
- Secure Benefit adds 200% of base cover, so a 10L policy starts with 30L of usable cover
- No room-rent cap: room and ICU at actuals
- 180-day post-hospitalisation window
Cons
- Minimum sum insured is Rs 10 lakh, so the entry price is higher than Optima Secure
- 36-month pre-existing disease wait unless you buy the modification
- Entry age is not stated in the policy wording; confirm it on the proposal form
Our verdict
tldr.money editorial score: Not scored yet
The bigger-cover version of Optima Secure: the same wording with a 200% Secure Benefit and a Rs 10 lakh minimum sum insured. Pick it if you want very high usable cover without buying a separate super top-up.
This is our editorial assessment, not a customer rating, and we do not publish testimonials.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 Super Secure | HDFC Ergo Optima Secure+ | HDFC Ergo Optima Secure |
|---|---|---|---|
| Score | Not scored yet | 8.7/10 | 8.5/10 |
| Pricing | Quote-based (age, city and cover) | Rs 16k-36k | Rs 15k-34k |
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FAQ
Does HDFC Ergo Optima Super 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 Super 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 Super 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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