‘Optima Secure’ Health Policy -- HDFC ERGO General Insurance

Published on July 22, 2021
Current Context: The HDFC ERGO General Insurance launched ‘Optima Secure’ which is the health insurance policy.
‘Optima Secure’ Health Policy -- HDFC ERGO General Insurance
  • It has secure, plus, protect, and restore benefits included in it.
  • It offers customers up upto 4 times their sum insured with zero additional charges.
  • Under the ‘secure benefit’ feature, the insurance cover is doubled instantly and automatically on the purchase of a policy.
  • Under the ‘plus benefit’ feature, the base coverage is raised automatically by 50% after one year and to 100% after two years, even if there is a claim.
  • The ‘restore benefit’ feature, will help when you run out of coverage. Under this, the policy is restored to base coverage up to 100%.
  • The ‘protect benefit’ feature ensures zero deduction on consumables and listed non-medical expenses.
  • The ‘Optima Secure’ policy offers broad coverage from Rs 5 Lacs to Rs 2 Crore. Also, through the value buy option, the customer can opt for a discount of more than 50%.
  • Static Part: 
    • HQ of HDFC ERGO General Insurance: Mumbai
    • Chairperson of HDFC ERGO General Insurance: Ritesh Kumar


Q.1 Which insurance provider launched a health insurance plan called ‘Optima Secure’?
a. ICICI Prudential Life Insurance
b. Life Insurance Corporation of India
c. HDFC ERGO General Insurance
d. Bajaj Allianz General Insurance

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