Introduction to HDFC Ergo Optima Secure

HDFC Ergo Optima Secure is a health insurance policy offered by HDFC ERGO General Insurance Company Limited. A health insurance plan is essentially a hospitalization cover that promises to pay the costs incurred during hospitalization, as well as expenses incurred before and after a hospitalization. HDFC Ergo’s Optima Secure Plan provides exciting discount options and a host of benefits and features to meet all of your and your family’s healthcare needs.

Verdict: HDFC Ergo Optima Secure

This is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. It allows you to pay your premiums monthly and covers several costs including the cost of consumables as well as dental treatment. On the flip side, however, this plan is slightly more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.

Pros & Cons: HDFC Ergo Optima Secure

  • arrow No restrictions on the type of hospital room you choose
  • arrow Doubles the cover amount from day 1
  • arrow Monthly premium payment mode available
  • arrow Covers in-patient dental treatment due to disease or injury
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Slightly costlier than other products in the market
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: HDFC Ergo Optima Secure

01 Injury or illness due to terrorism, war, civil war, nuclear, chemical, biological attack or weapons
02 Treatment related to intentional self inflicted Injury or attempted suicide by any means
03 Injury or illness due to participation or involvement in naval, military or air force operation
04 Treatment for sleep-related disorder
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About HDFC Ergo General Insurance Company Limited

HDFC Ergo General Insurance Company Limited logo

HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd. and ERGO International AG. The company offers a wide range of general insurance products ranging from Motor, Health, Travel, Home, and Personal Accident in the retail space to Property, Marine, and Liability Insurance in the corporate space. It was founded in 2002 and is headquartered in Mumbai, Maharashtra. Mr. Ritesh Kumar is the company's CEO.

Founded in
2002
JV Partners
HDFC and Ergo International AG
Turnover (GWP)
2862.84 Crores
Number of Policies
86,42,969
Number of Claims
38,91,395

Detailed Product Specs: HDFC Ergo Optima Secure

Claims Experience advisor
Customer Service advisor
Product Benefits advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
69.87%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.08%
Claims Incurred Ratio
82.40%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
92.10%
No. of Cashless Hospitals
13,000+
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