For FREE Health and Term Insurance advice, book a FREE call with our insurance experts - ditto.sh/3uxw0s

HDFC Ergo Health Insurance is known for its innovative offerings, and today, Shashank dives into an important concept that can help you lock in your premiums and save on rising costs.
Now, let’s talk about multipay health insurance and how it can benefit you. Health insurance premiums increase every year due to medical inflation, rising hospitalization costs, and an increasing number of claims. But what if there was a way to lock in your premiums and avoid paying higher amounts every year?

That’s where multi-year health insurance comes in. Multipay allows you to fix your premium for up to 3 years, protecting you from price hikes while offering discounts from insurers. It provides cost savings, convenience, and stability, making it an excellent option for those planning for the long term.

We’ll also compare two of the most talked-about plans—HDFC Ergo Optima Secure vs. HDFC Ergo Super Secure—to see which one makes more sense for you. Both these plans offer no room rent restrictions, 60 days pre and post-hospitalization coverage, consumables coverage, and unlimited restoration benefits.

However, the key difference lies in their Secure Benefit feature. With Optima Secure, you get 2X your sum insured from day one, while Super Secure gives you 3X coverage immediately. This means a ₹10 lakh base sum insured grows to ₹20 lakh under Optima Secure and ₹30 lakh under Super Secure, with further increases through bonuses and restoration benefits.
Another crucial factor is the premium payment structure. Optima Secure offers flexible payment options—1-year, 2-year, or 3-year plans—allowing you to spread out your costs and get discounts. On the other hand, Super Secure requires a 3-year upfront payment, meaning you’ll have to pay for three years at once but won’t have to worry about yearly renewals.
If you’re comfortable with a long-term commitment and want maximum coverage from day one, Super Secure is a strong option. But if you prefer flexibility with payments while still enjoying strong coverage, Optima Secure might be the better pick.

So, which plan should you go for? If you want higher coverage right from day one and can afford a lump sum premium, Super Secure offers better value. But if you’re looking for a balanced option with flexible payment structures, Optima Secure is still one of the best health insurance plans available in 2025.

Watch our previous videos:
HDFC Ergo’s NEW RIDERS in the MARKET -    • HDFC ERGO Health Insurance *NEW RIDER...  
HDFC Life Click2Protect Super REVIEW -    • HDFC Life Click2Protect Super *DETAIL...  
Ultimate Care or Care Supreme? Comparison REVIEW -    • Is ULTIMATE CARE better than CARE SUP...  

Not sure which plan fits your needs best? Don’t take a chance with your health insurance. Book a free call with Ditto today, and let our IRDAI-certified advisors help you make the smartest choice. ditto.sh/3uxw0s

Connect with Us:
Follow us on Instagram: www.instagram.com/joinditto/
Follow us on LinkedIn: www.linkedin.com/company/ditto-insurance/posts/?fe…
Tweet us your questions: x.com/joinditto

Happy Insurance Hunting!