HDFC ERGO General Insurance, India’s leading non-life insurance company in the private sector, announced the launch of Optima Secure, a new health indemnity health insurance product that seeks to redefine the value customers can get from their insurance plan.

The product has the Secure, Plus, Protect, and Restore benefits built-in that combine seamlessly to offer customers up to 4 times their sum insured at no additional charge while guaranteeing coverage for listed non-medical expenses.

The policy offers 4 distinct features:

  • Secure Benefit – doubles the insurance cover instantly and automatically on purchase of the policy
  • Plus benefit – increases the base coverage automatically by 50% after 1 year and to 100% after 2 years, even if there is a claim
  • Restore Benefit – if you run out of coverage, the policy will restore your base coverage up-to 100%
  • Protect benefit – ensures Zero deduction on consumables and listed non-medical expenses

The product also offers customers discounts of up to 50%, should they choose to pay a small amount from their own pocket in the event of a claim.

Speaking about the launch of the new product, Mr. Ritesh Kumar, MD & CEO, HDFC ERGO General Insurance Company said, “Optima Secure will redefine the value customers can get from their health insurance plan.   At HDFC ERGO, we will continue to innovate and bring breakthrough products, backed by leading edge technology, to the market across all our businesses.  Our innovative products, state of the art technology and our financial strength mean that our customers can trust us to be there when they have a claim.”

 Mr. Ravi Vishwanath, President – Accident & Health Business, HDFC ERGO General Insurance Company, said, “We listened to our customers and have developed a product that protects against rising healthcare costs, is simple to understand, and offers tremendous value. The Secure, Plus, Protect, and Restore benefits work together to give customers 4 times the coverage. The product offers broad coverage from 5 Lacs to 2 Crore. With the value buy option, customers can get more than a 50% discount. They can access cashless services at nearly 10,000 hospitals across the country. In Optima Secure, there is a coverage level and premium level available that is right for every individual and family.”

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