Policy review · HDFC Ergo
Optima Secure+
Doubled cover from day one. A bonus that never stops compounding. Restoration without limits. Here's what the fine print actually says.
Expert rating
4.41
★★★★☆
The verdict
Optima Secure+ takes an already strong plan and turns up the compounding: doubled cover from day one, a full 100% bonus every year with no ceiling, and restoration that refills without limit. For buyers who want their protection to grow aggressively over time — and can absorb a premium at the higher end — it is one of the most generous cover-growth designs on the market. Budget-first buyers may still prefer the standard Optima Secure or a lower entry point.
Where it wins
Bonus grows 100% a year with no cap — cover compounds fast.Standout
Unlimited restoration is built in, not an add-on.
Doubled cover from day one via the Secure Benefit.
No room rent cap, no co-pay, no disease sub-limits.
Consumables and modern treatments are covered.
Strong insurer record — 95% claim settlement, 15,000+ cashless hospitals.
Where it stings
Premium sits at the expensive end of the market.
Maternity and OPD are add-ons, not part of the base plan.
Cover starts at ₹10L — no lower entry point for tight budgets.
Waiting periods
No cover in this window except for accidents.
Named conditions such as cataract, hernia and joint replacements.
Reducible through an add-on for eligible conditions.
Claims snapshot
HDFC Ergo, latest IRDAI disclosure year — how the insurer behind the plan actually performs.
Approved by number of claims.
Claims paid vs premium collected.
How quickly claims are paid.
On overall claims — lower is better.
Key features
Your cover grows 100% every policy year with no upper limit — the headline upgrade over the standard Optima Secure, whose bonus stops at 100%.
The sum insured refills an unlimited number of times in a year for related and unrelated illnesses — no add-on needed, unlike the base plan.
Buy ₹10L and you are covered for ₹20L from day one; the sum insured is doubled at no extra cost.
Choose any room, pay nothing out of pocket up to the cover, and claim any covered illness in full.
On diagnosis of any of 9 listed major illnesses, cover is topped up by another 100% (optional rider).
The cost of 146 listed non-medical items — gloves, masks, PPE and the like — is paid, not deducted at discharge.
Riders & add-ons
Serious Illness Booster
100% additional cover on first diagnosis of one of 9 listed critical illnesses.
Parenthood (Maternity)
maternity expenses of ₹50K–₹2L after a 2-year waiting period.
Optima Well-being (OPD)
tele and in-clinic consultations, sample collection and wellness services.
Aggregate Deductible
opt for a deductible to lower the premium if you already hold another cover.
Hospital Cash
a fixed daily amount for each day of hospitalisation.
Personal Accident
a lump sum for accidental death or disability.
Discounts
5% off if the eldest member enters at age 35 or below.
up to 21% (first-time buyers) or 18% (renewals) when claims stay low.
6% or 8% off for buying a 2 or 3+ year policy upfront.
2.5% off if you already hold an active HDFC Ergo policy over ₹2,000.
Common exclusions
Admissions primarily for diagnostics or evaluation rather than treatment.
Diagnostic costs unrelated to the current diagnosis or treatment.
Admissions mainly for bed rest or observation, not active treatment.
Custodial or daily-activity care at home or in a facility.
Hospice and palliative services addressing non-medical needs.
Frequently asked questions
Plus adds a 100% yearly bonus with no cap (versus 50% up to 100%), unlimited restoration built in rather than as an add-on, sum insured starting at ₹10L, and policy terms up to 5 years.
Cover ranges from ₹10L up to ₹2Cr (₹10L / 15L / 20L / 25L / 50L / 1Cr / 2Cr), with policy terms of 1 to 5 years.
No. There is no room rent cap, no co-payment and no disease-wise sub-limit up to the sum insured.
A 30-day initial wait, 2 years for specific illnesses, and 3 years for pre-existing diseases (reducible via add-on).