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Optima Secure Global

One plan. Two worlds. Infinite protection. Experience the power of Optima Secure, now with global horizons.

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Why Optima Secure Global?

Optima Secure Global is HDFC ERGO's flagship international health insurance plan, designed for those who seek world-class medical treatment without boundaries. It combines the legendary benefits of Optima Secure with comprehensive global coverage.

Secure Benefit

Get 2X coverage from Day 1. Your base sum insured is instantly doubled at no extra cost.

Plus Benefit

Get a 100% increase in your base sum insured after 2 years, regardless of claims.

Restore Benefit

Automatic restoration of the sum insured for any number of claims in a year.

Protect Benefit

Covers non-medical expenses like gloves, masks, and nebulizers during hospitalization.

Two Ways to Go Global

Ideal for those who primary live in India but travel frequently. It provides:

  • Full coverage for planned and emergency treatments in India.
  • Coverage for Emergency medical treatments overseas.
  • Sum Insured options: ₹1 Crore and ₹2 Crores.

The ultimate plan for global citizens. It provides:

  • Full coverage for treatments in India.
  • Coverage for both Planned and Emergency medical treatments overseas.
  • Sum Insured options: ₹25 Lakh, ₹50 Lakh, ₹75 Lakh, ₹1 Crore, and ₹2 Crores.

Key Benefits Abroad

  • Worldwide Hospitalization: Comprehensive coverage for in-patient expenses globally.
  • AYUSH Treatment: Coverage for holistic treatments abroad.
  • Organ Donor Expenses: Coverage for transplant-related medical costs.
  • Emergency Air Ambulance: Critical transport support in life-threatening situations.

Waiting Periods

Category Waiting Period
Initial Waiting Period 30 Days (except accidents)
Specified Illnesses 24 Months
Pre-existing Diseases 36 Months

Plan Highlights

Sum Insured Up to ₹2 Crores
Policy Type Individual / Family
Network Hospitals 15,000+ (India)
Claim Settlement 99.9% (In-house)
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Important Note:

A per-claim deductible of ₹10,000 apply separately for treatments taken outside India.