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Introduction

my: Optima Secure

Global Plus Health
Insurance Plan
provides a comprehensive and broader
coverage along with additional benefits that
go beyond what standard health insurance
plans offer. Get access to a wide network of
top-tier healthcare providers, specialists and
renowned medical facilities.

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Secure Benefit
Doubles your base sum insured
instantly upon purchase

2X
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Plus Benefit
Further doubles your base sum
insured post two years
irrespective of claims

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Protect Benefit
Pays claims till the last
penny. Covers listed
non-medical expenses

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Global
Health Cover
Pays for emergency and
planned overseas
hospitalisation expenses

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Overseas Travel
Secure (Optional)
Cover overseas travel and
accommodation expenses for an
accompanying person and
overseas travel expenses of the
insured person

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Features

Hospitalisation expenses:
Covers medical expenses for both in-patient and day care
hospitalisation.

AYUSH treatment:
Covers In-patient care treatment expenses incurred on alternate
lines of treatment for Ayurveda, Yoga and Naturopathy, Unani,
Siddha and Homeopathy

Home healthcare:
Treatment (requiring hospitalisation) availed at home on a cashless
basis, if prescribed by the treating medical practitioner

Domiciliary hospitalisation:
Treatment at home if advised by the doctor and only if the insured
person is not in a condition to be transferred to a hospital or on
account of non-availability of room in hospital

Pre and post hospitalisation:

Covers medical expenses
incurred 60 days immediately
before hospitalisation
and 180 days post discharge

Organ donor expenses:

Covers medical expenses
incurred on harvesting the
organ from the donor

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 Emergency air ambulance:
Covers expenses incurred on air ambulance services for
transporting the insured person in case of an emergency

Protect benefit:
Pays listed non-medical expenses like consumables, gloves, masks
and so on.

Plus benefit:
Increase in 50% of base sum insured every policy year, maximum
up to 100%, irrespective of claims

Secure benefit:
2X
Additional coverage equivalent to 100% of the base sum insured
available for claims from day 1

Automatic restore benefit:

Restoration of 100% of base sum insured automatically on partial or
complete utilization of sum insured

Daily cash for shared accommodation:

Per day pay-out for choosing shared accommodation in a network
hospital, for hospitalisations exceeding 48 hours

E-opinion for critical illness:

E-opinion for any of the listed 51 critical illnesses through our
network provider globally

Preventive health check-up:

Helps you keep track of your health status by availing a preventive
health check-up post completion of every policy year, irrespective
of claims

Global Health Cover (Emergency and Planned

Treatments):
This cover extends below listed benefits for both planned and
emergency medical expenses incurred outside India: 8
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™ Hospitalisation Expenses ™ AYUSH Treatment ™ Pre-Hospitalisation cover

™ Post-Hospitalisation cover ™ Organ Donor Expenses ™ Emergency Air Ambulance
™ Protect Benefit ™ Plus Benefit ™ E-Opinion for Critical Illness

Overseas travel secure (Optional cover):

Covers overseas travel and accommodation expenses for an
accompanying person and overseas travel expenses of the insured
person

Aggregate deductible (Optional cover):

Amount which you agree to pay at the time of claim, once in a
policy year, post which coverage kicks in. Enjoy a discount on your
premium by opting in

my:Health Critical Illness (Add-on):

Provides lump sum benefit and comprehensive coverage for 51
critical illnesses.

my:Health Hospital Cash Benefit (Add-on):

Daily cash that pays for 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

Optima Wellbeing (Add on):

Covers expenses for various outpatient benefits.

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 Let us understand how this plan
works with an example

Mr. Sharma, a 35-year-old married businessman from Delhi

buys an Optima Secure Global Plus policy of 1 Cr base
cover for his family. He pays premium of INR 2,16,934 for it.

Mr. Sharma can utilize 4x coverage a total of his Base Sum

Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit
+ Automatic Restore Benefit for all the claims incurred and
made in India.*

Note : Common Sum Insured for India and Overseas.

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Plan Chart

Plans/Features Optima Secure Global Plus

Base Sum Insured INR 1 Crore/INR 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
Irrespective of claim status, increase of 50% of Base
Plus Benefit
Sum Insured in a policy year, maximum up to 100%
E Opinion for Critical Illness Global
Global Health Cover Covers emergency and planned treatments
(with per claim deductible of INR 10,000)

Pre-Hospitalisation 60 days
Post-Hospitalisation 180 days
Home Healthcare
Up to Sum Insured (India only)
Domiciliary Hospitalisation
Secure Benefit 100% of Base Sum Insured (India only)
Up to 100% of base sum insured for any illness any insured
Automatic Restore Benefit
person (India only)
Individual policy: INR 8,000 per insured | Floater policy: INR
Preventive Health Check-up
15,000 per policy (India only)
Daily Cash for Shared Room INR 800 per day maximum up to INR 4,800 (India only)
Optional covers / Add-ons
Aggregate Deductible INR 25,000/50,000/1 lakh/2 lakhs/3 lakhs/5 lakhs (India only)

Overseas Travel Secure Covered (Outside India only)

my:Health Critical Illness INR 1 lakh to 2 crores (in multiples of Lakhs)

my:Health Hospital Cash Benefit INR 500 to 10,000 per day; maximum up to 30 days (India only)
Unlimited Restore Unlimited restorations up to 100% of Base Sum Insured (India only)
lndividual Personal Sum insured is 5 (five) times the sum insured of base plan up to
Accident Rider a maximum of INR 1 Crore
Optima Wellbeing (Add on) Covers expenses for various outpatient benefits.

Notes: 1. Our maximum liability in a policy year for overseas claims shall be restricted to base sum insured and plus benefit (if available)
2. Geography for the above listed benefits is worldwide unless explicitly stated otherwise in the table
3. Preventive Health Check-up benefit will not be available under the policy if Aggregate Deductible of INR 5 Lakhs is in force.
11 4. A Per Claim Deductible of INR 10,000 will apply separately for each and every claim incurred and made overseas (except Section E Opinion for Critical Illness)
So Much Choice

Easy Switch
Mr. Sharma also has the super power to waive his opted
deductible at renewal post completion of 5 years under
this policy~~
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 2,000.

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

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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.

Wide coverage choice

Coverage
Choose between a 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.

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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 healthcare providers

16,000+ network hospitals and healthcare service
providers in India**

Customer service
24x7 call centre servicing in 10 languages

Family of millions
Family of 1.6 Cr+ happy customers@

Tax savings
Get income tax benefits under
section 80D of the Income Tax Act°

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So Much More

Lifelong renewal
Renew your insurance cover for life.

Cashless transactions
Get treatment on a cashless basis across 16,000+ 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.

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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.

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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.

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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.

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 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 (4x coverage is only available for claims made in India).
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 to 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-ups at each renewal of the Policy. 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 30th June 2024. @Data as on 31st March, 2024 (includes members of the group). °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 sales brochure / prospectus before concluding the sale. UIN: my: Optima Secure - HDFHLIP25011V042425 | my: health Critical Illness -
HDFHLIA22141V032122 | my:Health Hospital Cash Benefit (Add-on) - HDFHLIA21271V022021 | Unlimited Restore (Add On) HDFHLIA22188V012122 |
IPA Rider – APOPAIP19004V011920 | Optima Wellbeing (Add-on) -HDFHLIA24099V012324. UID: 15695.