Optima Secure+ review
The most reliable claims desk in health insurance, on a plan whose cover grows every single year.
HDFC ERGO Optima Secure+ scores 4.6/5 in our assessment. HDFC ERGO settles 97.61% of claims and draws 8.87 complaints per 10,000 claims. Cover runs ₹10 L – ₹2 Cr. Illustrative premiums start at ₹13,459 a year.
View policy document on HDFC ERGO's website ↗
- Our score
- 4.6 / 5
- Claim settlement ratio
- 97.61%
- Complaints per 10,000 claims
- 8.87
- Cover available
- ₹10 L – ₹2 Cr
- Entry age
- 18 yrs and above — no maximum entry age
- Term
- 1–5 years
- Room rent limit
- No limit — any room category
- Pre-existing disease wait
- 3 years
What Optima Secure+ covers
- In-patient hospitalisation in any room category
- Pre-hospitalisation expenses for 60 days before admission
- Post-hospitalisation expenses for 180 days after discharge
- Daycare procedures
- Home healthcare and domiciliary treatment
- Organ donor expenses
- AYUSH treatment up to the full sum insured
- Consumables and non-payable items
Key features
- Secure Benefit doubles your cover from day one — buy ₹10 lakh, hold ₹20 lakh
- Infinite Benefit adds 100% of the base cover every year with no upper limit and regardless of claims
- Consumables — gloves, masks, syringes, PPE — are covered, which typically saves ₹5,000–15,000 a hospitalisation
- Pre-hospitalisation for 60 days and post-hospitalisation for 180 days
- Home healthcare, daycare, organ donor and AYUSH treatment all included
- Riders available for serious illness, chronic care (ABCD), maternity (Parenthood) and limitless cover
Riders and add-ons
- Serious Illness Booster
- Limitless
- Parenthood (maternity)
- ABCD Chronic Care
- PED Waiting Period Modification
What Optima Secure+ does not cover
- Pre-existing conditions for the first 3 years (reducible to 1 or 2 years with an add-on)
- A named list of illnesses for the first 2 years — cataract, hernia, joint replacement and others
- Maternity and newborn expenses unless you add the Parenthood rider
- Routine dental and vision care
- Cosmetic procedures and weight-management treatment
- Any claim in the first 30 days except accidents
What does Optima Secure+ cost?
₹15 lakh sum insured, Delhi · annual premium incl. GST and mandatory add-ons. SBI General is quoted at ₹50 lakh, its minimum base cover.
| Profile | Annual premium |
|---|---|
| Individual, 25 | ₹13,459 |
| Couple — 31 & 32 | ₹21,128 |
| Family of 3 — 35, 34 & 5 | ₹26,017 |
| Senior couple — 62 & 63 | ₹75,608 |
What we like
- 97.61% settlement ratio — the highest of any major health insurer
- 8.87 complaints per 10,000 claims, against 42.67 for Care Health
- 16,000+ cashless hospitals, the widest network here
- Cover compounds every year through Infinite Benefit, so a ₹10 lakh policy is worth far more by year five
- Consumables are in the base plan rather than a paid add-on
What we don't
- The most expensive of the five for a young individual buyer
- The 3-year pre-existing disease wait is standard, not market-leading
- The senior couple premium of ₹75,608 is steep
- Ambulance cover is limited compared with SBI General
Our verdict
This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
Every score resolves to how we score plans — plan features 45%, insurer strength 45%, premium 10%.
Frequently asked questions
Is HDFC ERGO Optima Secure+ a good plan?
We score it 4.6 out of 5. This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
What is the claim settlement ratio of HDFC ERGO?
97.61%, as a three-year average for FY 2024–26 from IRDAI disclosures. HDFC ERGO receives 8.87 complaints per 10,000 claims.
How much cover can I take under Optima Secure+?
₹10 L – ₹2 Cr. Entry age is 18 yrs and above — no maximum entry age.
What does Optima Secure+ not cover?
The main exclusions are: Pre-existing conditions for the first 3 years (reducible to 1 or 2 years with an add-on); A named list of illnesses for the first 2 years — cataract, hernia, joint replacement and others; Maternity and newborn expenses unless you add the Parenthood rider; Routine dental and vision care; Cosmetic procedures and weight-management treatment; Any claim in the first 30 days except accidents.
Sources
- HDFC ERGO — my:Optima Secure prospectus (UIN HDFHLIP26058V082526) — the authoritative source for this record; names 'Optima Secure +' as a plan and defines Infinite Benefit — Clause 4.17 Infinite Benefit (note c); Section 1 Eligibility; Section 2.1 plan illustration table
- HDFC ERGO — Optima Secure+ brochure
- HDFC ERGO — Optima Secure+ product page
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.