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Optima Secure-Our Best Health Insurance Plan

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Health insurance is a shield that protects you and your family from any medical emergencies. Medical inflation is sky rocketing and to avail quality health care facility you need to be prepared that it might dig a hole in your pocket if you don’t have a health insurance plan with you. Meaningful learning we can take away from the pandemic is that you can never be fully prepared for an emergency.

How to choose the right Health Insurance policy? 

There are a plethora of health insurance policies available in the market. For a first time buyer, all the policies might seem the same, but there are some parameters that you need to take into consideration before buying the best health insurance policy. There should be a wide range of sum insured available so that you can select the sum insured amount based on your requirement. Usually, health insurance policies cover both pre and post hospitalisation expenses longer the duration to avail this benefit better it is for you. Hence, try and find the health insurance with maximum pre and post hospitalisation days covered under the policy. Also, at the time of hospitalisation, you don’t read the fine print of your insurance plan and get admitted to any available room. But at the time of bill settlement, you realise you have to pay out from your pocket because the room you choose wasn’t covered under the health insurance plan. Second, you realise that non-medical expenses aren’t covered as well. Now, both of these situations can be avoided if your health insurance plan covers them both. Medical advancements enable you to get treatment at home, and it would be great if your medical policy would cover unlimited daycare procedures. You can find our best health insurance plan by researching online about Optima Secure.

What makes Optima Secure our best Health Insurance?

HDFC ERGO’s Optima Secure is a unique product loaded from one of India’s most trusted brand. With nearly 10,000 network hospitals you can avail the best in class health care facilities from anywhere. Optima Secure offers the best in class health insurance plan with a multitude of benefits and hassle-free claim settlements. And the best part is you get a 4X cover at no additional cost which ensures that you get a sufficient health cover to beat the medical inflation. Lets understand how the 4X cover works:

1. Secure Benefit

Secure benefit provides additional coverage amount up to 100% of the Base Sum Insured immediately upon purchase at no extra cost to the customer. The additional coverage can be used up for any number of admissible claims.

2. Plus Benefit

Plus benefit increases your coverage by double in two years irrespective of the number of claims made in the preceding policy years.

3. Automatic Restore Benefit

Recharges up to 100% of your Base Sum Insured for subsequent claims in a policy year for whichever illnesses or any insured person under the family floater plan.

There is also an additional benefit called Protect benefit which covers cashless transactions with built-in coverage for items like PPE kits, gloves, masks, food charges and other consumables during hospitalisation. Now this is a deal to steal.

Other benefits:

1. Pre-Hospitalisation and Post-Hospitalisation Expenses

   Hospitalisation expenses are covered by most health insurance plans, but Optima Secure also covers expenses incurred prior to hospitalisation such as medical tests, medicines and injections or the use of air ambulance or road ambulance in case of an emergency, etc. Post Hospitalisation expenditure on follow-up doctor visits, medication, etc. is also covered. Pre-hospitalisation expenses up to 60 days prior to hospitalisation and post hospitalisation expenses up to 180 days after discharge are covered under the policy.

2. No room rent capping

   At the time of hospitalisation you don’t need to worry about the room category you are eligible to stay with Optima Secure as there is no room rent capping. Meaning you can avail best health care facilities as per your comfort with any tension.

3. Cashless Hospitalisation expenses

   You can go completely cashless at any one of Optima Secure’s network hospitals. This is an especially helpful feature when a sudden illness or unexpected injury occurs. All hospitalisation expenses from doctor/surgeons fee, medication, operation theatre charges, ICU charges, nurses’ expenses, etc. are covered under the Optima Secure.

4. Home Health Care

   If you get treated at home or have a home ICU set up to monitor your or your loved ones, such treatments costs are also covered.

5. Ayush Treatment

   Alternative therapy in the form of Ayurveda, Yoga and Naturopathy, Unani, Sidha and Homeopathy is also covered under Optima Secure’s policy.

6. E-opinion for Critical Illness

   For select critical expenses, e-consultations sought from medical experts at one of Optima’s network hospitals falls under the ambit of the health insurance plan.

7. Preventive Health Check-Ups

Preventive health check-ups are offered at the end of every policy year, regardless of claims.

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

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