Hdfc ergo optima secure brochure

Due to the large range of alternatives and perks offered by companies, purchasing health insurance becomes a tedious and time-consuming process. But in this post we will evaluate optima secure vs optima restore on different parameters and understand the difference between optima restore and optima secure. Table of Contents • • • • • • • • • • • HDFC Optima Secure Vs Optima Restore – Detailed Comparison HDFC Optima Secure Vs Optima Restore ( BestInvestIndia.com) Feature HDFC Ergo Optima Restore HDFC Ergo MYOptima Secure Minimum Age at Entry 91 days 91 days Maximum Age at entry 65 years 65 years ( 25 years for dependent child) Sum Assured Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac,1 crore, 2 crore Room Rent Actual SA less than 50 lakh- Single AC Private room , SA ABOVE 50 lakh – any room Sub limit No sub-limit on room rent No sub-limit on room rent Renewability Life-long life long Pre hospirtalization 60 days prior 60 days prior Post Hospitalization 180 days after hospitalization 180 days after hospitalization Waiting Period 30 days initial waiting period 30 days initial waiting period Pre- existing cover 3 years 3 years Day care procedures Up to sum assured Up to sum assured Domiciliary treatment Up to sum assured Up to sum assured Ambulance up to 2000 up to sum Assured Air ambulance up to 2.5 lac ( applicable for basic sum assure ABOVE 5 lac)) up to 5 lac Organ donor Medical and surgical Expenses of the organ donor...

HDFC ERGO General Insurance today announced the launch of Optima Secure, a new indemnity health insurance product that seeks to redefine the value customers can get from their insurance plan. Optima Secure has Secure, Plus, Protect, and Restore benefits built-in that combine seamlessly to offer customers up to four times their sum insured at no additional charge while guaranteeing coverage for listed non-medical expenses, HDFC ERGO said in a statement. HDFC ERGO said Optima Secure policy offers four distinct features: • Secure Benefit: It doubles the insurance cover instantly and automatically on purchase of the policy • Plus benefit: It increases the base coverage automatically by 50 percent after 1 year and to 100 per cent after 2 years, even if there is a claim • Restore Benefit: If you run out of coverage, the policy will restore your base coverage up-to 100 per cent. • Protect benefit: It ensures Zero deduction on consumables and listed non-medical expenses Optima Secure policy also offers customers discounts of up to 50 per cent, should they choose to pay a small amount from their own pocket in the event of a claim. Max Life’s digital push yields results; end-to-end customer engagement online garner robust sales Commenting on the new policy, Ritesh Kumar, MD & CEO, Ravi Vishwanath, President – Accident & Health Business, HDFC ERGO General Insurance Company, said, “We listened to our customers and have developed a product that protects against rising healthcare costs,...

I am planning to cover my parents (56 & 49) with a health insurance plan (I know am bit late). I had few queries. • Should I go for HDFC Ergo Optima Restore vs HDFC Ergo Optima Secure? • Should I include myself in the Family Floater plan - am 24? Or should I get one individually for myself. • What is the recommended amount of family floater coverage I should take - 5L or 10L? (I know it is different for different family - but generally asking) Will appreciate any responses regarding my situation for taking medical/health insurance. Or more advice regarding it. Hi, Answering your queries below 1.HDFC secure is a better version of restore with higher coverage and higher benefits except room rent restriction (single private AC room) for below 50 lacs policies 2. Recommended to buy a separate plan for yourself 3. Minimum 10 lacs sum assured is recommended. Thanks Gurleen Kaur Tikku Hareepatti Hello, Beshak community has already compared it in the following article - https://www.beshak.org/insurance/health-insurance/articles/hdfc-optima-secure-product-review/ This should give you clarity. After 25 you need to have your independent policy so for one year you can be part of it and if you are willing to spend and also get tax benefit separately then let parents cover be separated. Generally when you take it for parents make sure you consider their health status and pre existing ailment. If you are in a metro city then atleast opt for minimum 15-20 lacs cover so the relevant waitin...

HDFC Ergo health insurance company had recently launched HDFC Ergo Optima secure policy. Optima Secure provides multiple benefits like 2X cover from day 1 and 50% increase in sum insured from 2nd year and again 50% increase in 3rd year too. Optima Secure also provide restore benefit on partial or complete use of sum assured from second claim onwards. Table of Contents • • • • • • • • HDFC Optima Secure Policy -Important Features HDFC Optima Secure -SECURE Benefit Optima secure plan provides you double insurance cover from day 1. This also means you do not need to activate the double insurance cover. For instance if you buy 10 lakh then instantly you get 20 lakh rupees coverage at no additional cost. In other words you are covered for double sum insured. HDFC Optima Secure -Plus Benefit Under plus benefit the sum insured is automatically increases by 50% after 1 year and to 100% after 2 years irrespective of any claim made. For instance,Mr.Sharma bought 10 lac cover He instantly get covered for Rs 20 lac from day 1 itself. In the second year his SA will be increased by 5 lac. So his cover amount will be 25 lac from second year. In the third year his SA will be again increased by 5 lac. So his cover amount will be 30 lac from the third year. HDFC Optima Secure -Restore Benefit Sum insured is restored on partial or total claim in any policy year ( applicable from second claim onwards) HDFC Optima Secure -Protect Benefit HDFC Optima secure also provides guaranteed covers non m...

By selecting this option you agree to pay the initial claim amount that you have selected _deductible_ in the entire year. For example, you have taken a 5 Lac cover with 25K aggregate deductible and you make your first claim of say, 1 Lac. You’ll have to bear only 25K (selected aggregate deductible amount) and rest of the amount will be paid by us. Now in the same year if you make any another claim, there will be no aggregate deductible applied on the claim payment. Optima Secure ke “So much benefits" • Secure benefit 2X coverage from day 1. The base cover you opt for gets doubled instantly upon purchase, wihtout having the need to claim it. • Plus benefit 100% increase in coverage after 2 years. The base cover increases by 50% after 1 year and 100% after 2 years, irrespective of any claims. • Restore benefit 100% restore coverage. If a claim is made, 100% of that amount gets restored in the policy automatically, max up to base cover. • Protect benefit Non-medical expenses. Zero deductions on listed non-medical expenses to maximise your claim during hospitalisation. So much coverage at no additional cost • You choose sum insured of Rs 10 Lacs • Secure Benefit instantly makes 10 lacs base cover to 20 lacs, at no extra cost (10 lacs + 10 lacs) • Plus benefit adds 100% sum insured on two continuous renewals making the total coverage to 30 Lacs (10 lacs + 10 lacs + 10 lacs) • Restore Benefit, with this benefit you get 100% base covered restored. When you make a claim of partia...

The outbreak of the pandemic along with the rising incidence of lifestyle-related illness has not only highlighted the importance of having health insurance but also having sufficient cover (amount). Additionally, a health policy should not only cover hospitalisation expenses but also offer other benefits including OPD, daily cash benefit in case of hospitalisation, restoration of sum insured (SI) in case of claim and no claim bonus (NCB). HDFC Ergo has recently introduced one such product, Optima Secure. Here is a review of the product features. What’s on offer The SI under the Optima Secure policy starts from ₹5 lakh and goes up to ₹2 crore. It provides all basic covers like other health policies such as hospitalisation expenses including day care treatment expenses, AYUSH treatment, home healthcare (domiciliary hospitalisation), organ donor expenses, pre and post hospitalisation expenses, and cumulative bonus benefit. The policy also covers the cost of preventive health check-up on each continuous renewal of the policy. The highlight of Optima Secure is that it offers a cover of more than the base SI (cover amount) to all policyholders. The ‘Secure’ benefit of the plan offers additional coverage amount equivalent to 100 per cent of the SI.It also offers a ‘Plus’ benefit, where on policy renewal, the policyholder receives 50 per cent of the base SI, irrespective of the number of claims made. It also provides Cumulative Bonus benefit, where the base SI increases by 10 per...