In these uncertain and testing times, the only thing that is certain to protect you and your family is the right health insurance policy. With so many prevailing ailments and the possibilities of unforeseen ones, a health policy with appropriate coverage has become an absolute need of the hour.
There is already a lot of buzz regarding the new HDFC ERGO my:Optima Secure policy, which seems to be well on its way to becoming the best health Insurance policy for your family. In the forthcoming sections of this blog we will examine some of its key features and the associated benefits.
HDFC ERGO has always been one of the pioneers of innovative health indemnity products. Backed by a strong and durable financial and technological platform, they have launched the my: Optima Secure policy to provide multifold benefits to the customers, including discounts for existing HDFC ERGO policyholders. The benefits offered under this policy can be bucketed under 4 salient features, as described in the next section.
This is a remarkably unique feature that instantly doubles your medical coverage once you have purchased the policy, with no additional costs to you. For example: if you purchased a health insurance policy for a sum insured of Rs. X your coverage/sum insured will become Rs. 2X from the date of purchase
Over and above the Secure benefit which kicks in during new policy purchase, the Plus benefit offers you an additional 50% increase on your cover on renewal after 1 year and 100% increase on renewals after 2 years, regardless of whatever claims that might have been made in the duration.
The above two were exceptional advantages, but there is more. In case you have made partial or full claim from your base sum insured, it simply gets restored! Yes, HDFC ERGO restores the entire base amount back in your kitty for subsequent claims during the policy year.
This is a truly outstanding feature. In most policies, non-medical expenses (sometimes referred to as peripherals or consumables) cannot be claimed. This is not the case with Optima Secure. Under the Protect benefit, there is no deduction in lieu of such listed non medical expenses as masks, food, gloves, etc.
Most of the expenses that you can envisage are duly covered under the Optima Secure policy, thus making it the best health Insurance policy for your family . This list includes:
This list is rather short and includes the following items which are not covered:
Intention
Buying this policy is extremely convenient and can be done at the comfort of your home with just a few clicks. You can start by visiting this link.
Conclusion
The Optima Secure Health Insurance Policy offers way more than most products available in the market. As described in the aforementioned sections, the coverage is extremely comprehensive and offers some benefits which are not available in other Insurance policies,. It also provides the facility of E Opinion for 50+ critical illnesses Apart from this, you also get a wide empanelled network of nearly13,000 hospitals offering cashless treatments All these features put together, is what the best health Insurance policy for your family should be like.
Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.
°^ subject to the condition that a single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and the Multiplier Benefit (if any ). If the Restored Sum Insured is not utilised in a Policy Year, it will expire. *4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. 2X doubles your coverage from day 1. Under Plus Benefit, irrespective of claims means Sum Insured gets increased by 50% of base Sum Insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For add-on covers, additional premium will be charged. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs. Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lac up to basic Sum Insured of equal to or less than 20 lacs. Available in select cities only in India.No room rent capping as eligibility is Single AC Private Room for SI less than 50 lacs and actual for SI 50 lacs and above.HDFC ERGO General Insurance Company Limited. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC LTD and ERGO International AG and used by HDFC ERGO General Insurance Company Limited under license. For more details on the risk factors, terms and conditions, please read the sales brochure/prospectus before concluding the sale. UIN:HDFHLIP21016V012122 Product Name Optima Secure. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. UID No.D2-100
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