Insurance Analyser Series-Episode 3 HDFC Ergo Optima Secure The Policy comes with a feature of increasing cover by 4x at no additional cost It also provides 2x cover from day 1! A thread🧵on the features of HDFC Ergo Optime Secure Lets go👇
1. No Room Rent Limit:- Optime secure plan does not come with any room rent limit for in-patient hospitalization or ICU admission. 🏥60 days before hospitalisation 🏥180 days post hospitalization is covered
2. Copay:- The policy does not have any co-pay. Entire bill will be picked up by the insurer
3. Hospital Coverage:- HDFC Ergo covers a wide range of 12,000 hospitals
4. Secure Benefit:- Secure Benefit doubles the insurance cover you buy, instantly and automatically. This means that you get 2X coverage from day 1. Secure Benefit instantly makes his 10 lakhs base cover to 20 lakhs, at no extra cost
5. Plus Benefit:- 100% increase in coverage after 2 years irrespective of the claims made
6. Restore Benefit:- With the Restore Benefit, 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! Unlimited no of restore riser can also be added.
7.Protect Benefit:- During hospitalisation, his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit Consumables get covered under this clause
8. No Maternity Benefits If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. HDFC Ergo Optima Secure does not cover it
9. Pre and Post Hospitalisation:- 60 and 180 days pre and post hospitalisation covered
10.Pre-Existing Diseases Waiting period can be for 3 years. No waiver of waiting period for any disease is allowed
11. AYUSH treatment:- Optima Secure covers in-patient hospitalisation expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
12. Preventive Health Check up For a 10L cover, On a individual policy test worth Rs 2000 are available In a floater policy test worth Rs 5000 are available
Premium:- For a 30year old 10L cover Optima Restore premium is Rs 15,134 Similar policies are available from other companies at Rs 11,000 Therefore the premium is on the higher side as always with HDFC Ergo.
Conclusion:- Optima Secure comes with some excellent features like 1. Secure Benefit 2. Plus Benefit 3. Restore Benefit 4. No room rent limit/No Copay However the premium is something one needs to consider before buying the policy.
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@NIKHILLJHA Now I was 26 years old.I don't have any pre existing illness.I want to buy health insurance please suggest me which one is better
@Sandeep82975664 Please dm
@NIKHILLJHA Does it allow porting from different policy?
@rudra_n_halder Yes
@NIKHILLJHA What is the Difference between Secure and Restore ? Is Secure better than Optima Restore ?
@mohan_kanni Yes it is
@NIKHILLJHA Can I port from HDFC ERGO BANDHAN BANK POLICY
@kaunkahtahai Have to chck
@NIKHILLJHA Please analyse Navi health insurance
@DEBABRA71131295 Will do
@NIKHILLJHA Does it make sense to port from care to this policy?
@LTermInvestor Very advisable
@NIKHILLJHA Hi nikhil, I want a review of my existing health insurance policy which is for my senior citizen mother.. dm?
@NIKHILLJHA Make one detailed review on Star Assure. Will be very helpful.
@avick_t Yes will do
@NIKHILLJHA What does waiting period of 3 years mean wrt pre existing diseases?
@Rahul19k5 Pre existing covered after 3 years