A WORLD-CLASS

HEALTH INSURANCE
FOR YOU AND YOUR
FAMILY WITH

OPTIMA
SECURE
GLOBAL
Introduction
A better plan, crafted just for you.
Optima Secure's Global Health Insurance Plan stands apart,
offering comprehensive coverage that goes beyond the ordinary.
Where you can access our extensive network of top-tier
healthcare with specialists, and renowned medical facilities.

COVERAGE
SO MUCH

TRUST
CHOICE
MORE...
 2X

Secure Benefit
2X coverage from day 1
The first-of-its-kind benefit that
doubles the insurance cover you buy,
instantly and automatically.
 Plus Benefit
100% increase in
coverage after 2 years
Another first-of-its-kind benefit where your
base cover automatically increases by
50% after 1 year, and 100% after 2 years,
irrespective of any claims made.
 Restore Benefit
100% restore coverage

If any claim, partial or total, is made any

time during the year, then 100% of the base
cover gets restored automatically.
 Protect Benefit
Zero deduction on listed
non-medical expenses
In case of hospitalisation, this benefit
guarantees payment of consumables, which
include gloves, masks etc. At no extra charge.

All the above benefits of Optima Secure work together

to give 4X coverage* than the chosen cover.
Global Health Cover
Pays for emergency overseas
hospitalisation expenses.
Overseas Travel Secure
(Optional Cover)
Covers overseas travel and
accommodation expenses for an
accompanying person and return travel
expenses to India of the insured person.
Let’s see how Optima Secure Global
works in India
Mr. Sharma, a 35-year-old married businessman from Delhi buys an
Optima Secure Global policy of 1 Crore base cover for his family. He
pays a premium of INR 44,586 for it.

1. Secure Benefit 10
+10
Secure Benefit instantly makes his 1 Crore =20
Lakhs
base cover to 2 Crores, at no extra cost

2. Plus Benefit
When he renews the plan for 1 year, Plus 30L
25L
Benet increases his base cover of 1 Crore by 20L

50% and in 2nd year by 100%, making it 5L

5L

1.5 Crores and 2 Crores respectively. Plus

Benefit and Secure Benefit together take the After After
total coverage to 3 Crores 1 year 2 years

40
3. Restore Benefit lakhs

Any time Mr. Sharma claims partial or total

1 Crore base cover, it gets 100% restored,
making it 3 + 1 = 4 Crores

4. Protect Benefit non-medical

expenses

During hospitalisation, his non-medical Covered

expenses that add up to 10-20% of the total bill

amount also get covered by Protect Benefit

INR 44,586 /- premium is including tax and for a 2-member Family Floater policy with age 35 years and 30 years. Premium shown above is for
Tier 1 (Delhi, NCR, Mumbai, Thane, Mumbai Suburban and Navi Mumbai, Surat, Ahmedabad & Vadodara) which includes tax. For calculating
exact premium, please visit www.hdfcergo.com
Let’s see how Optima Secure Global
works overseas
Mr. Sharma, can use his Base Sum Insured + Plus Benefit for emergency
medical expenses abroad, starting within 45 days of the trip. There is a
separate INR 10,000 deductible for each overseas claim.
NOTE: Common Sum Insured for India & Overseas.

1. Plus Benefit
When he renews the plan for 1st year, Plus Benefit increases 2CR

his base cover of 1 Crore by 50% and in the 2nd year by 1CR

100%, making it 1.5 Crores and 2 Crores respectively. Plus 50%

100%

Benefit can take the total coverage to 2 Crores

1 year 2 years

2. Overseas Travel Secure (Optional Cover)

Covers travel and accommodation expenses for a
travel companion if the insured person is hospitalised
for at least 5 days outside India

Travel Expenses
For the travel companion, two-way expense
incurred on air tickets shall be provided
For the hospitalised insured person, air expenses
to transport to India shall be provided

Accommodation Expenses
For the travel companion, cost of overseas stay
up to INR 15,000 per day shall be paid maximum for
30 days in a policy year
 4x coverage after 2 years

4X
4X coverage
(Aggregate Deductible is not applicable for overseas claims)

With 1 Crore base cover eventually becoming 4 Crores,

Mr. Sharma gets 4X coverage* after 2 years.

By opting to pay the first INR 50,000/- of claim

made in India in a policy year, Mr. Sharma gets
27% discount a discount of 27% on his premium, bringing it
down to INR 32,548/-. Also, by availing this
discount, no such clause will apply outside India

With all of these, Mr. Sharma gets access to a

network of 13,000+ cashless healthcare providers**
So Much More Coverage

60 and 180 days pre and post

hospitalisation covered
Instead of 30 and 90 days availed normally, Optima Secure covers
medical expenses for 60 days pre and 180 days post hospitalisation

These cover tests, medicine purchases and other medical expenses

that Mr. Sharma has incurred during these aforementioned days

Home healthcare
This policy covers treatment availed from comfort of homes,
and as per everyone’s convenience on cashless basis
So, during Mr. Sharma’s home treatment, which in normal course
would have required hospitalisation, all his medical expenses
including doctor visits, nursing charges, etc. get covered by it

Daily cash for shared room

With this, daily cash of INR 800 per day up to a maximum of INR 4800
on hospitalisation is provided as out of pocket expenses when you
choose a shared accommodation in a network hospital, and the
hospitalisation period exceeds 48 hours

These include all the peripheral costs incurred by Mr. Sharma or his
caregiver on travelling, food, lodging and so on, which is incurred at
the time of claim
So Much More Coverage
Preventive health check-up
You will be provided preventive health check-up benefits post
completion of every policy year, irrespective of claim status
Mr. Sharma can choose tests of his choice up to a sub-limit as
mentioned below for any insured person (including children)
Individual policy 8,000
(per insured)
Floater policy 15,000
(per policy)

E-opinion
Get e-opinion on 51 critical illnesses through network provider in India
So, if Mr. Sharma chooses to take teleconsultations, or online
consultations for any of the listed diseases in the policy, the
expense incurred gets covered by the policy

Hospitalisation expenses
Covers medical expenses incurred at the time of hospitalisation that
include room rent at actuals, ICU expenses, nursing expenses,
surgeon’s fee, road ambulance charges and so on. It also covers all
day care treatments that require hospitalisation for less than 24 hours

AYUSH treatment
Optima Secure covers In-patient care treatment expenses even for
alternate treatment methods viz. Ayurveda, Yoga and Naturopathy,
Unani, Siddha and Homeopathy
So Much More Coverage
Domiciliary hospitalisation
Secures all medical expenses during Domiciliary
hospitalisation

Organ donor expenses

Get reimbursements for medical expenses incurred for organ
donor’s in-patient treatment for harvesting of the organ donated

Emergency air ambulance

The policy pays for air ambulance transportation services
during your emergency needs

Global Health Cover

(Emergency Treatments Only)
Coverage for below listed benefits for emergency medical
expenses diagnosed and incurred outside India
Hospitalisation Expense
Ayush Treatment
Organ Donor Expenses
Emergency Air Ambulance
Protect Benefit
Plus Benefit
E-opinion for Critical Illness
So Much Choice
Aggregate deductible
Value buy
A deductible is an amount you agree to pay at the time of claim
once in a policy year, post which our coverage kicks in. You can
choose from the below deductible options and enjoy up to 56%
discount on your premium

Deductible Amount (INR) Discounting Factor

25,000 14%
50,000 27%
1,00,000 36%
2,00,000 41%
3,00,000 50%
5,00,000 56%

Note: Preventive Health Check-up benefit will not be available

under the policy if Aggregate Deductible of INR 5 Lakhs is in force.
So Much Choice
So, if Mr. Sharma agrees to pay the first INR 50,000 on his claims
made within India in the policy year, he gets a discount of 27% on his
insurance premium. Which means, his premium of INR 44,586
reduces to just INR 32,548!

Easy Switch
Mr. Sharma also has the super power to waive his opted deductible
at renewal post completion of 5 years under this policy~~

Add-on covers
my:Health Critical Illness
Get comprehensive coverage for 51 critical illnesses with
sum insured options of INR 100,000 to INR 200,00,000 and in
multiples of INR 100,000

my:Health Hospital Cash Benefit (Add-on)

Get sum insured options of INR 500 / INR 1000/ INR 1500 /
INR 2,000 / INR 2,500 / INR 3000 / INR 5,000/ INR 7,500 / INR
10,000 to cover your out-of-pocket expenses

Unlimited Restore (Add-on)

Provides Unlimited Restorations in a policy year

lndividual Personal Accident Rider

Provides lump sum pay out in case of Accidental Death, Permanent
Total Disablement and Permanent Partial Disablement. Sum Insured
shall be 5 (five) times the Sum Insured of Base Plan up to a maximum
of INR 1 Crore
Discounts
Loyalty discount
With it, you will be eligible to get a discount of 2.5% on the
base premium if you have an active retail insurance policy with
premium above INR 2000

Family discount
Get discount of 10% if two or more family members are covered
under the same policy under the individual policy option

Long term discount

If the policy period is more than one year, you will be entitled to
receive a discount of 7.5% and 10% if the policy is purchased for
a 2-year and 3-year tenure respectively
So Much Choice
Wide coverage choice

Coverage
Coverage Choose between wide range of base coverage from INR
1 Crore to 2 Crores

Policy Options
Family Floater - A maximum of 4 adults and a maximum of 6 children
can be included in a single policy having a common sum insured
Individual policy - A maximum of 6 adults and a maximum of
6 children can be included in a single policy having separate sum
insured individually

Tenure
You can select policy tenure from 1 to 3 years according to
your convenience

Premium payment in instalments

Options for payment of premium on an instalment basis i.e. monthly,
quarterly, half yearly
Note: Adults can be a combination of self, spouse, parents and parents-in-law.
So Much Trust
Quick turnaround time
Offers quick turnaround time, reducing pre-authorisation hurdles

Quick claim payment

Get quick claim settlements, to honour every genuine claim

Network of hospitals and healthcare providers

13,000+ network hospitals and healthcare service providers in India**

Customer service
24x7 call centre servicing in 10 languages

Family of millions
Family of 1.55 Cr+ happy customers@
Illustration for Sum Insured Utilization Overseas
Available Benefit Limit
Number Claim Automatic Admissible Utilization
of Claim amount Base Sum Secure claim amount of Sum Insured
Plus Benefit Restore
Insured Benefit
Benefit

1,09,90,000 Base + Plus

1st claim 1,10,00,000 1,00,00,000 50,00,000 NA NA (minus 10000 Benefit
deductible)

39,90,000
2nd claim 40,00,000 - 40,10,000 NA NA (minus 10000 Plus Benefit
deductible)

Illustration for Sum Insured Utilization in India

Available Benefit Limit
Number Claim Automatic Admissible Utilization
of Claim amount Base Sum Secure claim amount of Sum Insured
Plus Benefit Restore
Insured Benefit
Benefit

1st claim 60,00,000

60,00,000 1,00,00,000 50,00,000 1,00,00,000 0 Base
Base (partial)

Base(balance)+Plus
2nd claim 2,80,00,000 40,00,000 50,00,000 1,00,00,000 60,00,000 2,50,00,000 +Secure+Automatic
Restore (partial)

3rd claim 60,00,000 - - - 40,00,000 40,00,000 Automatic Restore

(partial)
Illustration for Unlimited Restore (Add-on)
Available Benefit Limit
Number of
Admissible
Claim Automatic Unlimited Claim Utilization
Base Sum Plus Secure claim
Restore Restore Add amount of Sum Insured
Insured Benefit Benefit amount
Benefit on Benefit

Base Sum
1st claim 5,00,000 2,50,000 5,00,000 0 0 10,00,000 10,00,000 Insured +Plus +
Secure (Partial)
Secure (balance)
- - 2,50,000 5,00,000 0 5,50,000 5,50,000 + Automatic
2nd claim Restore Benefit
(partial)
Automatic Restore
- - - 2,00,000 5,00,000 7,00,000 5,00,000 Benefit (balance)
3rd claim + Unlimited
Restore

4th claim - - - - 5,00,000 7,50,000 5,00,000 Unlimited Restore

5th claim - - - - 5,00,000 5,00,000 5,00,000 Unlimited Restore

Notes:
1. A single claim in a Policy Year in India cannot exceed the sum of Base Sum Insured, Plus Benefit (if remaining),
Secure Benefit (if remaining)
2. Claims are incurred in the 2nd policy year.
3. All claims occur in a single policy year.
Schedule of benefits (all limits are in INR)
Plans/Features Optima Secure Global
Base Sum Insured 1 Crore / 2 Crores
Hospitalisation Expenses
(covers room rent at actuals)
AYUSH Treatment Up to Sum Insured
Organ Donor Expenses
Protect Benefit
Emergency Ambulance Road: Up to Sum Insured | Air: Up to INR 5 lakhs
Plus Benefit Irrespective of claim status, increase of 50% of Base
Sum Insured in a policy year, maximum up to 100%
E Opinion for Critical Illness Global
Global Health Cover (with per Covers emergency treatments
claim deductible of 10k)
Pre-Hospitalisation 60 days (India only)
Post-Hospitalisation 180 days (India only)
Home Healthcare
Up to Sum Insured (India only)
Domiciliary Hospitalisation
Secure Benefit 100% of Base Sum Insured (India only)
Automatic Restore Benefit Up to 100% of Base Sum Insured for any illness any
insured person (India only)
Preventive Health Check-up Individual policy: INR 8,000 per insured | Floater
policy: INR 15,000 per policy (India only)
Daily Cash for Shared Room INR 800 per day max up to INR 4,800 (India only)

Notes:
1) A per Claim Deductible of INR 10,000 will apply separately for each and every claim incurred and
made overseas (except E-Opinion for Critical Illness)
2) Our maximum liability in a policy year for overseas claim shall be restricted to base Sum Insured
and Plus benefit (if available)
3) Geography for the above listed benefits is worldwide unless explicitly stated otherwise in the table
4) Preventive Health Check-up benefit will not be available under the policy if Aggregate Deductible
of INR 5 Lakhs is in force
Optional covers/Add-ons
Plans/Features Optima Secure Global
Aggregate Deductible INR 25,000 /50,000 /1 lakh /2 lakhs /3lakhs /5 lakhs
(India only)
Overseas Travel Secure Covered (Outside India only)
my:Health Critical Illness INR 1lakh to INR 2 crores (in multiples of Lakhs)
my:Health Hospital Cash Benefit INR 500 to INR 10,000 per day; maximum up to
30 days (India only)
Unlimited Restore Unlimited restorations up to 100% of Base
Sum Insured (India only)
Individual Personal Provides lump sum payout in case of accidental
Accident (Rider) death, permanent total disablement and permanent
partial disablement. Sum insured shall be 5
times the sum insured of base plan up to a
maximum of INR 1 crore
So Much More
Tax savings
Get income tax benefits under section 80D of the
Income Tax Act°

Lifelong renewal
Renew your insurance cover for life

Cashless transactions
Get treatment on a cashless basis across 13,000+ network
hospitals and healthcare service providers in India**

No geography-based co-payment
With this, get treated in any city across India without any
co-payment, and irrespective of where you bought the
policy from

No claim-based loading
No loading of renewal premium just because you
claimed it or fell ill after taking the policy
Terms of renewal
Life-long renewal - Get access to life-long renewal regardless of your health status or
previous claims made under your policy, except on grounds of fraud or
misrepresentation by the insured person

Waiting period - The waiting periods mentioned in the policy wording will get reduced
by 1 year on every continuous renewal of your policy

Renewal premium - These are subject to change with prior approval from IRDAI. Any
change in benefits or premium (other than due to change in age) will be done with the
approval of the Insurance Regulatory and Development Authority and will be intimated
at least 3 months in advance

Withdrawal of policy - In the likelihood of this policy being withdrawn in future,

intimation will be sent to insured person about the same 3 months prior to expiry of the
policy. Insured person will have the option to migrate to similar indemnity health
insurance policy available at the time of renewal with all the accrued continuity benefits,
waiver of waiting period etc; provided the policy has been maintained without a break
as per portability/migration guidelines issued by IRDAI

Migration - Any insured person in the policy has the option to migrate to similar
indemnity health insurance policy available at the time of renewal subject to
underwriting with all the accrued continuity benefits, waiver of waiting period etc;
provided the policy has been maintained without a break as per portability/migration
guidelines issued by IRDAI

Portability - This plan offers you easy portability. So, if you are insured under
another insurer's health insurance policy you can transfer to HDFC ERGO General
Insurance Company Limited with all your accrued benefits at the time of renewal
subject to underwriting guidelines, after due allowances for waiting periods and enjoy
so much coverage
Standard exclusions and
waiting periods
Standard exclusions
Investigation and evaluation purposes | Obesity control | Cosmetic surgery | Hazardous
sports | Breach of Law | Alcoholism, drug or substance abuse | Unproven treatments |
Sterility and infertility | Maternity

Waiting periods
30 days initial waiting period | 24 months waiting period on specific illnesses & surgical
procedures | 36 months waiting period on pre-existing diseases

For complete list please refer the policy wordings.

Section 41 of Insurance Act 1938 (Prohibition of Rebates):

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to

any person to take or renew or continue an insurance in respect of any kind of risk
relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of premium shown on the policy, nor shall any person taking out
or renewing or continuing a policy accept any rebate, except such rebate as may be
allowed in accordance with the prospectus or tables of the insurers

2. Any person making default in complying with the provision of this section shall be
punishable with fine which may extend to Ten Lakh Rupees
 For more details, log on to www.hdfcergo.com or call us on 022 6242 6242
Terms & Conditions Apply. ~~This is a one-time option which can only be availed if the eldest member is less than 50 years at the time of purchasing this Policy (with aggregate deductible)
and is less than 61 years at the time of availing this option, subject to underwriting. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic
Restore Benefit (India only). Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy
Year overseas cannot exceed the sum of Base Sum Insured and Plus Benefit (if applicable). Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care
available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-up
is available post completion of each Policy Year. E-opinion available through the Network Provider only. For additional covers, additional premium will be charged. For in-depth details on terms
and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. **Data
as on 29th February 2024. @Data as on 31st March, 2023. °Subject to change in tax laws. HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117.
Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. For more details on the risk factors, terms and
conditions, please read the policy document before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under
license. UIN: my: Optima Secure - HDFHLIP24092V032324 | my: health Critical Illness - HDFHLIA22141V032122 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021 | Unlimited
Restore (Add On) HDFHLIA22188V012122. IPA Rider - APOPAIP19004V011920. UID: 14791