Independent Health Insurance Comparison Blog Not affiliated with any insurer
Highest Claim
HDFC Ergo

Optima Secure

Industry-leading coverage with highest claim settlement

4.6/5 Rating
Starting From
₹9,800
per year
₹5L–1Cr
Sum Insured
13,000+
Network Hospitals
18–65yrs
Entry Age
2 yrs
Waiting Period

About This Plan

HDFC Ergo Optima Secure is a premium health insurance plan backed by HDFC Group, offering one of the highest claim settlement ratios in the industry at 95.2%. It features no room rent capping, 180-day post-hospitalization, and comprehensive coverage.

Key Highlights

No room rent limit
95.2% claim settlement
180-day post-hospitalization
13,000+ hospitals
Restore benefit
Annual health checkup
AYUSH & mental health covered

Coverage Details

Room RentNo room rent limit
ICU ChargesNo limit
Pre-Hospitalization60 days
Post-Hospitalization180 days
Day Care ProceduresCovered
Maternity BenefitNot Covered
Newborn CoverNot Covered
Organ TransplantCovered
AYUSH TreatmentCovered
Mental IllnessCovered
Domiciliary HospitalizationCovered
Restore BenefitYes
Annual Health CheckupYes
Ambulance CoverUp to ₹2,500
No Claim BonusUp to 100% NCB
Co-PaymentNone
Pre-Existing Disease Wait4 years
Specific Disease Wait2 years

Pros

  • Highest claim settlement ratio
  • No room rent limit
  • Long post-hospitalization period
  • Strong HDFC brand backing
  • Comprehensive coverage

Cons

  • Higher premium
  • No maternity cover
  • 4-year pre-existing wait

Who Should Buy This Plan?

Ideal for: Individuals wanting premium coverage with best-in-class claim settlement