HDFC ERGO's Optima Secure Plan Goes Global: 5 Things to Know About Optimal Coverage Offered

Posted on: Mar 15, 2024 | 3 mins | Written by: HDFC ERGO Team

HDFC ERGO's Optima Secure Plan Goes Global: 5 Things to Know About Optimal Coverage Offered

5 Things to know about Optima Secure Plan

HDFC ERGO’s Optima Secure plan has been bringing a smile to people’s faces by helping them in their most critical hour. This health insurance plan prioritises healthcare to ensure one gets the right treatment from the best hands without thinking about the mounting medical bills. Optima Secure is one of the most trusted and innovative plan that promises 4X coverage at no additional cost. To date, we have touched the lives of 1.5 happy customers with our impressive record of settling one claim per minute. Optima Secure comes with various benefits like cashless hospitalisation, a network of 1200+ hospitals across the country, restore benefits, no-claim bonus and much more. However, all these benefits with our flagship product have been restricted within the country.

Ever wondered how will you stay covered for your medical expenses while travelling abroad for work, leisure or business? Thinking that health problems might not crop up overseas or a toothache might wait till you reach your homeland is like taking too much of a chance. Medical expenses in a foreign land can drain your savings and at times leave you in debt too, having a global health insurance can save the day during such times. This is where Optima Secure steps in to extend its support overseas. We bring to you Global Plans under my: Optima Secure for you and your family. These plans provide comprehensive health coverage within India as well as coverage for emergency and/or planned treatments overseas (as per plan opted). Our global plans provide comprehensive and broader coverage along with additional benefits beyond what standard health insurance plans offer, like access to a vast network of top-tier healthcare providers, specialists and state-of-the-art medical facilities.

Here are five key aspects of HDFC ERGO's Optima Secure Global Plan, highlighting its benefits and features for enhanced healthcare coverage.

1. Extending Worldwide Coverage

The Optima Secure Global Plan stands out for its global coverage feature, providing access to quality healthcare services worldwide. Whether you are travelling abroad for business, leisure, or medical treatment, you can have peace of mind knowing that you are covered for medical emergencies, hospitalization, and other healthcare expenses overseas. This feature is especially valuable for frequent travellers and expatriates who require comprehensive health insurance coverage beyond India's borders.

2. Offering Comprehensive Coverage Benefits

The Optima Secure Global Plan offers a wide range of coverage benefits to address various healthcare needs and scenarios. From in-patient hospitalization and daycare procedures to pre- and post-hospitalization expenses with a vast network of hospitals and service providers, ambulance services, and organ donor expenses, the plan provides comprehensive coverage for medical treatments and related expenses. Additionally, you can avail of coverage for alternative treatments, such as Ayurveda, Homeopathy, and Unani, ensuring holistic healthcare support.

3. Cashless Treatment Network

HDFC ERGO's Optima Secure Global Plan provides access to an extensive network of hospitals and healthcare providers globally, facilitating cashless treatment for policyholders. Whether in India or abroad, you can avail of cashless medical services at network hospitals, eliminating the need for upfront payments and reimbursement hassles. This network includes reputed hospitals and healthcare facilities worldwide, ensuring quality care and seamless claims processing for one and all.

4. Additional Value-added Benefits

In addition to its core coverage benefits, the Optima Secure Global Plan offers several value-added features to enhance your experience and well-being. These include wellness initiatives, such as health check-ups, preventive screenings, and wellness discounts, aimed at promoting proactive healthcare management and disease prevention. Furthermore, you can access teleconsultation services, second medical opinion consultations, and health coaching programs, to make informed healthcare decisions and lead healthier lives.

5. Flexibility and Customization

HDFC ERGO understands that every individual's healthcare needs are unique, which is why the Optima Secure Global Plan offers flexibility and customization options. One can choose from various coverage levels, deductible options, and add-on benefits to tailor the plan to their specific requirements and budgetary considerations. Whether seeking basic coverage for essential medical expenses or comprehensive protection with enhanced benefits, you can customize your plan to suit your needs and preferences.

Conclusion

HDFC ERGO's Optima Secure Plan represents a significant advancement in health insurance offerings, providing policyholders with global coverage and comprehensive protection for their healthcare needs. With features such as global coverage, comprehensive benefits, a cashless treatment network, value-added services, and flexibility of customization, the plan offers unmatched peace of mind and financial security to policyholders, whether at home or abroad. If you are seeking reliable and innovative health insurance solutions, the Optima Secure Plan from HDFC ERGO is undoubtedly worth considering.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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