HDFC ERGO Optima Secure, Optima Restore, Koti Suraksha, the Medisure super top-up and Energy for diabetes — explained in plain words. We compare, buy with you and help at every claim, in Guwahati, Jorhat, Tinsukia and across Assam. (We also arrange HDFC ERGO car and bike insurance.)
Skip the Branch Visit
HDFC ERGO has branch offices in Guwahati, Jorhat and Tinsukia. We are an authorised insurance agency for HDFC ERGO, serving Guwahati, Dibrugarh, Jorhat, Tinsukia, Sivasagar, Shillong and Itanagar — so you don't need to visit the office at all. New policy, renewal, changes to your policy or a claim — we handle it for you on a phone call or WhatsApp.
About HDFC ERGO
A subsidiary of HDFC Bank, promoted with ERGO International (Munich Re Group). 16,000+ cashless hospitals and 12,200+ cashless garages across India.
Feature-rich health plans with automatic restoration of the sum insured and lifetime renewability. Its Optima Secure plan gives 2X cover from day one (up to 4X with its benefits) and no room rent capping.
Key Plans: Optima Restore, Optima Secure
Health Plans
The main HDFC ERGO health insurance plans, as described on HDFC ERGO's official website — we help you compare them with plans from other companies and pick the one that fits your family.
Sum insured ₹5 lakh to ₹2 crore. 2X cover from day one, up to 4X with its benefits, and no room rent capping.
100% of the base sum insured is restored after a claim, and a multiplier benefit adds 50% of the base sum insured every year (up to 100%), whatever the claims.
Base cover ₹10 lakh to ₹2 crore, individual or family floater — sold as a 3-year policy.
Sum insured up to ₹1 crore, with a Sum Insured Rebound that recharges the cover once it is used up.
Budget plan — base sum insured of ₹5 lakh or ₹7.5 lakh, with an optional Plus Benefit that doubles the base cover after 2 policy years.
Plan details from HDFC ERGO's official website (October 2026). Features, waiting periods and premiums change from time to time — we confirm the current details for your age and city before you buy.
Compare Optima
HDFC ERGO's main Optima plans side by side, from its official website ("As per policy" = not stated on the plan page — we confirm it for you):
| Optima Secure | Optima Restore | Optima Super Secure | Optima Lite | |
|---|---|---|---|---|
| Sum insured | ₹5 lakh – ₹2 crore | ₹5 lakh – ₹2 crore | ₹10 lakh – ₹2 crore (base) | ₹5 lakh or ₹7.5 lakh (base) |
| How cover grows | 2X from day 1; up to 4X with Plus & Restore | 100% restore after a claim; +50% a year multiplier (up to 100%) | — | Optional Plus Benefit doubles base cover after 2 years |
| Room rent | No capping | No sub-limit | As per policy | As per policy |
| Policy term | Up to 3 years | As per policy | 3 years only | As per policy |
| Good for | High cover from day one | Families wanting cover restored | A 3-year high cover | Budget buyers |
Super Top-Up
A super top-up adds a large extra cover above an aggregate deductible — you can buy it on its own or on top of any health policy.
From HDFC ERGO's official website (October 2026). Deductible and sum insured options vary — we show you the choices for your age.
For Your Family
Network
Networks differ by insurance company and change over time — check before a planned admission or repair.
Use the network search on HDFC ERGO's official website — choose your city or pin code.
Your policy or card has the helpline number for the latest list.
WhatsApp or call 70996 09955 — we check it for you and help with the admission or repair.
Also Motor
We also arrange HDFC ERGO motor insurance — 12,200+ cashless garages across India, including Guwahati.
Where We Serve
Compare First
We don't sell just one company. We compare HDFC ERGO with other insurance companies and recommend the plan that fits your age, city, hospitals and budget — and you pay only the insurance company's premium, no extra fees.
FAQ
Secure Benefit doubles the base cover from day one (2X), Plus Benefit adds up to 100% more after 2 years (3X), and Restore Benefit restores 100% of the base cover after a claim (4X).
Optima Secure doubles your cover from day one and can reach 4X, with no room rent capping. Optima Restore restores 100% of the base sum insured after a claim and adds 50% of the base every year (up to 100%) through its multiplier benefit.
A super top-up with an aggregate deductible: once the total of your claims in a year crosses the deductible, it pays the balance up to its sum insured. No medical test up to age 55 if you have no health issues; pre-existing diseases are covered after 36 months.
Yes — Energy, for people with diabetes (Type 1 and 2) and hypertension, covers hospitalisation due to these conditions from day 1, with a wellness programme and health coach.
Yes — senior citizen health insurance for people aged 60 and above, with cashless home health care, Sum Insured Rebound and 50% more cover after a claim-free year.
HDFC ERGO states 16,000+ cashless hospitals across India. We check whether your hospitals in Guwahati or your treatment city are in the network.
No — we are an insurance agent working with HDFC ERGO, not its branch office. We help you buy, renew, update and claim on your HDFC ERGO policy on call and WhatsApp, wherever you live — and if you ever need the branch for something, we tell you where to go.
In most cases, yes. Share the policy number — we check the renewal options and also compare them with other insurance companies before you decide.
No. We work with several insurance companies and compare plans for you — so you get the right cover, not just one company's product.
Use the network hospital search on HDFC ERGO's official website, or ask us — we check the current list for your plan and help with the cashless approval.
Keep Exploring
Call or WhatsApp our Guwahati team — free advice, no extra fees.
