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What are the features of HDFC Ergo Optima secure
- Secure Benefit 2X coverage from day 1.
- Pluse Benefit 100% increase in coverage after 2 years.
- Restore Benefit 100% restore coverage.
- Protect Benefit zero deduction on non-medical expenses.
Infographic - Increase in lifestyle disceases at certain age bands and medical cost. Buy early to manage Waiting period
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Gif showing life cycle and insurance needs at each milestone
calculate cover basis avaialble information / ask for input
Individual plan covers only 1 person whereas in a family floater plan you can cover Yourself + Spouse + Parents + Children
Benefits : One policy for family / cost benefit of buying one policy instead of multiple individual policies
Pointers to be considered when buying a health insurance policy
Claim settlement ratio is the ratio of claims paid out of the total number of claims received by an insurance company during a financial year. It is one of the most reliable factors that indicate if an insurance company handles the claims of the customers well or not.
Exclusions are the conditions for which the insurance company does not provide coverage. Some exclusions are permenant and some have a waiting period. When buying you should read the exclusions carefully
Room rent capping is the limit of hospital room cost that is borne by the insurance company. This capping can either be a whole figure that states how much room rent expenses are paid by the insurer or as a specific percentage of the sum assured.
This product covered sum insured less than 50L up to single AC private room and sum insured 50L & above all room type coverd.
These are the hospitals at which you can avail cashless health insurance service in case you get treatment which is subject to the terms and conditions associated with the policy. It is critical for cashless claims. HDFC ERGO has 12000+ network hospitals Click here for full list.
The portion of the medical expense that a policyholder needs to pay when he receives medical services. Co-payment is fixed amount or percentage which is preset for various treatment and services.
In this policy the applicant is getting 0% Co Paymnet. In case of multiple policies co payment option helps reduce premium.
Yes you can cover Ayurveda, Yoga, Unani, Siddha and Homoeopathy. This can be claimed as reimbursement and on 24 hr hospitalization
Yes, available at every renewal
Plus Benefit is another first-of-its-kind benefit of Optima Secure. With this benefit, the base cover you choose for yourself automatically increases by 50% after 1 year, and 100% after 2 years, irrespective of any claims made. With this benefit, you do not have to worry about earning a full no claim bonus or a reduced bonus in case of a claim.
Restoration benefit is a benefit wherein the insurance company restores the original sum insured after it gets fully exhausted for the treatment of the illnesses.
With the Restore Benefit of Optima Secure, if any claim, partial or total, is made any time during the year, then 100% of the base cover gets restored in the policy cover automatically, at no additional cost!
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Intital: 30 days
Specific diseaseas: 2 years
PED: 3 years
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Coverage for New born : NA