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Last updated on: September 19, 2025
The HDFC ERGO Optima Restore Plan and Optima Secure Plan are both popular health insurance options, but they cater to slightly different needs. The Optima Restore Plan is best known for its unique ‘restore benefit,’ which automatically reinstates the sum insured if it gets exhausted during the policy year, ensuring uninterrupted coverage. It covers hospitalization, pre-and-post-hospitalization expenses, and offers no-claim bonuses. In contrast, the Optima Secure Plan adds a significant ‘Secure Benefit,’ instantly increasing your sum insured by 100% from day one at no extra cost. Additionally, it provides broader coverage, including OPD expenses, and more flexible features. Optima Restore is suitable for those needing a robust, replenishing cover, while Optima Secure is ideal for those seeking higher coverage and value-added benefits. Both are strong choices; your selection depends on desired coverage enhancements and budget.
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Health insurance is not a mere financial cover, but a financial security to you and your family. HDFC ERGO is a top Indian health insurance company that provides two flagships policies that are commonly opposed by the purchasers: HDFC ERGO Optima Restore Plan and HDFC ERGO Optima Secure Plan. The decision between the two may be a bewildering exercise since the two have good features but cater to dissimilar insurance requirements. In this article, important specifics are described, their benefits and features are contrasted, and the real-life considerations of 2025 are mentioned.
Health insurance is therefore a necessity and not a luxury due to the soaring medical expenses across the Indian cities and towns. Some of the best selling family health insurance policies in India are HDFC ERGO optima restore and optima secure. It is the question of many individuals that which of the two will provide the best future protection, flexibility, and value of money. The guide will provide answers to these questions by comparing their sum insured, benefits and specials they offer and how well they fit different age groups and family types.
The Optima Restore Plan is an intelligent health insurance plan that targets primarily individual and family members seeking affordable financing of healthcare. Its greatest USP is that the sum insured automatically returns after it gets depleted within a single policy year at no additional cost. This is because you will not have to worry whether numerous claims occurred to your family during a term of office.
The Optima Secure Plan is very innovative that multiplies your insurance. It has a safe feature that boosts your sum insured automatically by up to 100 per cent within the first day and also includes both restore and no claim bonus. This plan will be targeted at individuals who anticipate greater expenses when it comes to healthcare or those who wish to be highly covered on the very first day.
In the case of large families, particularly when both parents and dependent children are covered, Optima Secure Plan tends to fit better in the case, as it has a greater coverage and sum insured will increase immediately.
Optima Restore Plan will automatically reimburse the sum insured in the case that it is exhausted during a policy year. As an illustration, in case you have a 10 lakh sum insured and spend it on a single or more hospitalisations, you replenish another 10 lakh at no expense.
The benefit of Optima Secure Plan, which is termed as secure, adds up 100 percent of the sum insured right at the beginning. So on purchasing 10 lakh policy coverage is 20 lakh after the 1 st day. Claim next year and you have doubled up sum insured again and you have the restore benefit, too. This comes in handy during massive medical emergencies.
The higher sum insured plans are gaining popularity as medical inflation is averaging 13 percent per year with more than 60 percent of urban Indian families opting in 2025. Optima Secure is comfortable to this rising demand.
| Performance | Optima Restore | Optima Secure |
|---|---|---|
| Entry Age | 91 days to 65 years | 91 days to No max |
| Renewal | Lifelong | Lifelong |
| Sum Insured | 3L - 50L | 5L - 2 Cr |
| Restore Benefit | Yes (100 percent once/year) | Yes (100 percent every time) |
| Secure/Double | No | Yes (Since the beginning) |
| No Claim Bonus | Up to 100 percent | Up to 100 percent |
| Pre/Post Hosp. | 60/180 days | 60/180 days |
| Cashless Network | 14,000 plus hospitals | 14,000 plus hospitals |
Optima Restore should be applied in case of:
Such advantages are reduced premiums, easy claims, and cover sufficient to cover most daily hospitalisation requirements.
Optima Secure is ideal for:
It provides serenity in terms of large hospital bills, uncommon cures and healthcare inflation in the future.
Yes, the two plans include more than 500 day care procedures and majority of modern day treatments such as robotic surgery, oral chemotherapy, and other sophisticated care as IRDAI has listed by 2025. The sub-limits and scope, however, tend to be larger in Optima Secure.
The two policies also have waiting periods on pre existing diseases usually 24-48 months. Some of the diseases such as maternity benefits, dental services or even cosmetic services are not included unless they are explicitly included as riders.
Yes, parents and newborn children can be covered in the two policies. With Optima Secure, it is possible to add a larger family with larger sum insured limits whereas optima restore is the best when your coverage requirements are small.
Professional opinions: Most insurance advisors by 2025 suggest that you should review your health sum insured every five years because the medical inflation is rising fast, particularly in the case of the person in the private employment or the one with parents who depend on him or her.
| Size of Family | Optima Restore 5L | Optima Secure 5L | Optima Secure 10L |
|---|---|---|---|
| 1 Adult | [?]6,500 | [?]7,900 | [?]11,200 |
| 2 Adults | [?]11,800 | [?]14,200 | [?]19,000 |
| 2A plus 2C | [?]17,500 | [?]22,800 | [?]30,300 |
Source: Industry averages, 2025. The cost of premiums is going to differ depending on age and city.
No, the two plans adhere to the IRDAI coverage of pre-existing diseases, and they have a period of 2-4 years of waiting.
Optima Secure allows more add-ons, including:
Optima Restore has fewer add-ons compared to Optima Secure.
Both the plans have a good rating in claims settlement ratio and customer service on the review websites. Optima Secure will receive higher scores (approximately 4.6 out of 5 in 2025) on innovative features, whereas Optima Restore will be rated on affordability and easy claims (approximately 4.3 out of 5).
Arguably the most suitable policy that a majority of the population can afford is Optima Restore since it is simple and cheap. Optima Secure is the best plan because it guarantees maximum protection, higher payouts, and advanced benefits, mainly in the cities or joint families.
Q. What is the best plan system with senior citizens in a family?
A. The reason why Optima Secure is better is that it has a higher sum insured and more modern treatment is included.
Q. Is it possible to upgrade Optimize Restore to Optima Secure in the future?
A. Yes but you will have to do new underwriting at higher sums insured and benefits.
Q. What is the number of claims that I can make annually?
A. As per policy terms and sum insured, unlimited.
Q. Do preventive checkups on an annual basis?
A. Both plans are now offering an annual health check to any of the insured over 18 in 2025.
Q. Can I pay premiums monthly?
A. The two policies enable the payment in monthly or quarterly payments in digital formats.
Q. What are the cashless claims documents?
A. Cashless authorisation normally requires policyholder ID, hospital records and prescriptions of the doctor.
Q. Is it more expensive to reimburse the insured sum?
A. No, both plans allow automatic and free restoration.
Q. Are premiums increased following a claim?
A. No HDFC ERGO does not hike your premium after a claim except when it is through standard industry-led alterations.
Q. What if my claim is rejected?
A. The decision can be appealed or the ombudsman of HDFC ERGO can resolve the dispute.
Q. Do you have pregnancy or maternity benefits?
A. As an add on rider, with the Optima Secure since 2025.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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