HDFC ERGO Optima Secure Premium Chart

Choosing the right health insurance plan often comes down to one critical question: what will it actually cost me? Understanding the answer isn’t always straightforward, but that’s where a clear breakdown of the premium can make all the difference.

Before buying the Optima Secure plan, it helps to understand how its premiums are structured. 

In this guide, we’ll walk you through the HDFC ERGO Optima Secure premium chart, explain how to read it, and show you how to calculate your actual premium with ease.

What the HDFC ERGO Premium Chart Shows?

The premium chart is part of the official prospectus and provides base premium rates across combinations of age, sum insured, and location tier. It reflects the starting price before discounts, loadings, or add-ons are applied.

Age-Wise Premiums

Premiums are structured across age bands. As you age, premiums increase because the probability of claims rises. This applies to both individual policies (based on your age) and family floaters (based on the eldest member’s age). 

Tier-Wise Premiums

Earlier, Optima Secure had 2 tiers, but now that the plans have been revamped, it has 6 tiers. 

• Tier 1: Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida.
• Tier 2: Mumbai, Mumbai Suburban, Thane, Navi Mumbai, Ahmedabad, Vadodara.
• Tier 3: Nashik, Rest of NCR, Amritsar, Ahmednagar, Mathura, Aligarh.
• Tier 4: Kolkata, Rest of Gujarat, Telangana, Agra, Ludhiana, Beed, Jalgaon, Indore, Gwalior.
• Tier 5: Rest of Maharashtra, Rest of Uttar Pradesh, Rest of Madhya Pradesh, Rest of Rajasthan, Rest of Haryana, Howrah, Hooghly, North 24 Parganas, South 24 Parganas.
• Tier 6: Rest of India.

For HDFC ERGO, your premium tier is determined by the residential city/pin code you provided at the time of purchase. So, someone in Delhi will pay a higher premium than someone in a tier 2 city for the same plan.

Sum Insured Wise Premiums

Optima Secure offers base sum insured options from ₹5 lakh to ₹2 crore. The higher the sum insured you choose, the higher the premium you’ll have to pay. However, because of built-in benefits such as Secure Benefit (extra coverage), Restore Benefit, or Plus Benefit, the effective coverage increases significantly without a proportional increase in premium.

Individual vs Family Floater Wise Premiums 

In an individual plan, each member gets a separate sum insured and pays a separate premium. Alternatively, a family floater provides one shared sum insured for all members, with the premium calculated based on the age of the eldest member. As per the prospectus, a floater plan can cover up to 4 adults and 6 children.

For more details, you can also check out our comprehensive guide on the HDFC ERGO health insurance premium chart.

How to Calculate HDFC ERGO Optima Secure Premium?

To estimate your premium manually: 

• Select your age band
• Identify your tier
• Choose the sum insured
• Select policy type as individual or floater

Then refer to the premium chart in the prospectus. For your reference, here’s what a snapshot of the HDFC ERGO Optima Secure premium chart looks like: 

Source: Official Prospectus of HDFC ERGO Optima Secure

HDFC ERGO Optima Secure Premium Chart PDF Download

• Visit the official HDFC ERGO website.
• Open the Optima Secure plan page. 
• Scroll down to the bottom, find the downloads section, and click on ‘Prospectus’.

• Download the prospectus and scroll to the premium tables section by searching for the “rate chart” keyword. 

How to Calculate Optima Secure Premiums Online?

• Visit the official HDFC ERGO Optima Secure page.

• Enter your family size, pin code, and mobile number.
• Select the sum insured. 
• View your premium. 

Factors That Affect HDFC ERGO Optima Secure Premium

Multiple factors, such as age, medical history, policy structure, and discounts, affect your health insurance premiums. For more details, you can refer to the attached infographic: 

Note: In the table, A stands for adult and C stands for child. We’ve considered healthy, non-smoking profiles of individuals living in Delhi (pin code: 110010) with a sum insured of ₹10 lakh. Moreover, these are illustrative base premiums, and the final premium may vary based on underwriting, discounts, and add-ons. 

If you’d like to explore similar cost insights for another plan, you can also find the HDFC ERGO Optima Super Secure premium chart on the insurer’s official website.

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Conclusion

While the HDFC ERGO Optima Secure premium chart gives you the base price, it’s only the starting point. Your actual premium can vary based on age, city tier, family structure, discounts, and underwriting, etc. The best way to get an accurate number is to use the online calculator or speak to an advisor before buying.