Secure Benefit — 2X
Your base cover is doubled from day one — ₹10 lakh becomes ₹20 lakh at no extra cost.
HDFC ERGO Optima Secure — Plan Details, Benefits & How to Buy in Assam
HDFC ERGO Optima Secure doubles your cover from day one and can take it to 4 times through its Secure, Plus and Restore benefits — with no room rent capping and no co-payment. Here are the details from HDFC ERGO's official website, in plain words — and how we help you buy, port or claim in Guwahati and across Assam.
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At a Glance
HDFC ERGO Optima Secure at a Glance
HDFC ERGO · Comprehensive health insurance (individual or floater)
| Feature | Details |
|---|---|
| Sum insured | ₹5 lakh to ₹2 crore (base cover) |
| Policy term | Up to 3 years; instalments monthly, quarterly, half-yearly or yearly |
| Room rent | No room rent capping |
| Co-payment | None |
| Pre & post hospitalisation | 60 days before and 180 days after |
| Health check-up | Free preventive health check-up on renewal |
| Waiting periods | As per the policy wording — we confirm them for you before you buy |
From HDFC ERGO's official website (October 2026). Features and premiums change — we confirm the current details for your age and city before you buy.
Key Benefits
Key Benefits of HDFC ERGO Optima Secure
Plus Benefit — 3X
Base cover increases by 50% after 1 year and 100% after 2 years.
Restore Benefit — 4X
100% of the base cover is restored for later claims in the same year after a claim.
Protect Benefit
Zero deductions on listed non-medical expenses, no sub-limits, no disease-based capping.
Emergency Air Ambulance
Air ambulance cover for emergencies.
Unlimited Restore (Optional)
Instant addition of 100% of the base sum insured on use of the restore benefit.
Also included / available: unlimited day-care procedures; cost of consumables and disposables covered; support devices such as cervical collars and braces; aggregate deductible option for a lower premium.
Is It Right for You?
Who HDFC ERGO Optima Secure Suits — and What to Check
Our honest view, so you buy with open eyes:
Good for
- Families who want a large cover from day one
- People who want no room rent limit and no co-payment
- Anyone planning treatment in a big city where bills are higher
Check before you buy
- Waiting periods — we check the current policy wording for you
- The aggregate deductible option lowers the premium but you pay the first part of claims
- Long-term discount does not apply to instalment payments
Compare
Compare HDFC ERGO Optima Secure With Similar Plans
We never sell just one plan. We put HDFC ERGO Optima Secure side by side with plans like these and show you the difference for your family:
Buy, Port or Claim
Buy or Port to HDFC ERGO Optima Secure in Guwahati & Assam
No office visit — on a phone call or WhatsApp, for families in Guwahati, Dibrugarh, Jorhat, Tinsukia, Sivasagar, Shillong, Itanagar and anywhere in India.
- 1
Compare
We compare HDFC ERGO Optima Secure with other plans for your age, city and hospitals.
- 2
Buy or Port
We fill the proposal with you — or move your existing policy at renewal, with your waiting-period credit.
- 3
Claim Help
At claim time we help with cashless approval or reimbursement — in Assam or in Chennai, Hyderabad, Delhi, Mumbai or Bangalore.
FAQ
HDFC ERGO Optima Secure — Questions
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).
No — Optima Secure has no room rent capping, no sub-limits and no co-payments.
Base cover from ₹5 lakh up to ₹2 crore, for a term of up to 3 years.
60 days before and 180 days after hospitalisation.
Yes — monthly, quarterly, half-yearly or yearly.
Yes. We arrange HDFC ERGO Optima Secure on call or WhatsApp, compare it with other plans first, and help you at claim time — no extra fees.
Get a HDFC ERGO Optima Secure Quote
Call or WhatsApp us — we compare HDFC ERGO Optima Secure with other plans for your family, free.