In today’s world, where medical expenses are rising at an unprecedented rate, securing a robust health insurance policy has become essential. Among the various health insurance options available, HDFC Ergo Health Insurance stands out for its comprehensive coverage and exceptional benefits.
This article delves into the crucial reasons why health insurance, particularly HDFC Ergo Health Insurance, is an indispensable part of protecting your health and finances.
HDFC ergo optima secure is extending coverage worldwide as well. Optima Secure is ranked 2nd in health insurance ratings based on product rating, claims track record, and premium affordability.
Benefits of Optima Secure:
The unique benefits of this product make Optima Secure one of the best health insurance products today, Let’s look into these features in detail.
- Secure benefit: Secure benefit instantly doubles your cover on purchase, this is one of its one-of-a-kind features.
- Plus benefit: This benefit rewards trust and loyalty by offering 50%increase for the first renewal and 100% for the second year.
- Restore Benefit: Optima Secure plan restores up to 100% of your base sum insured for subsequent claims, for any illness, or accidental hospitalization. This benefit comes in handy when you exhaust your existing sum insured due to one or several claims.
- Protect Benefit: The non-medical expenses end up burning a hole in our pocket. Optima Secure health plan has in-built coverage for listed non-payable items like gloves, masks, food charges, and other consumables during hospitalization. Usually, these disposable items are not covered by insurance policies or offered as an optional cover at an additional cost. However, with this plan, all your expenses for 68 listed non-medical items that are commonly used during hospitalization are covered at no extra premium.
- No Sub-limits: The Optima Secure plan is tailored for those who want to settle for nothing less than the most premium healthcare for their family. The plan qualifies you for any room category at any hospital. This feature assists the customer in reducing their out-of-pocket expenses and further gives freedom to select the hospitalization room of their choice.
Let’s understand how optima secure works with an example:
A person aged 35, a married businessman, opts for Optima Secure Policy of 10 lakhs base cover for his family. He pays a premium of Rs. 24,279 for it.
- Secure Benefit: Takes a policy for 10 lakhs, under this cover the base cover increases to 20 lakhs with no extra costs.
- Plus Benefit: When he renews his policy his 10 lakhs base cover will increase to 15 lakhs in the first year of renewal and 20 lakhs in the second year.
- Restore Benefit: Any time he claims partial or total ₹10 lakhs base cover, it gets 100% restored, making it ₹30 + ₹10= ₹40 lakhs. So, he does not have to limit his claims to ₹10 lakhs base cover or ₹20 lakss secure benefit, he will get an additional ₹10 lakss as a restore benefit to settle claims.
- Protect benefit: During hospitalization, his non-medical expenses that add up to 10-20% of the total bill amount also get covered by Protect Benefit.
These features make Optima secure a standout health insurance policy that caters to all the health care requirements of the family.
To help you make an informed decision, we have created a comparison table that outlines the key features and benefits of different health insurance plans available in the market. This comparison will help you understand how the HDFC ERGO Optima Secure Plan stands out among its competitors in terms of coverage, benefits, and overall value.
Comparison:
Note: The information provided in the table is based on our understanding and the analysis of the products.
Health insurance is not just a financial product but a necessity in today’s unpredictable world. HDFC Optima Secure Health Insurance offers robust coverage and numerous benefits, making it a smart choice for safeguarding your health and financial well-being. Investing in such a comprehensive plan ensures that you and your family are well-protected against unforeseen medical expenses, giving you the peace of mind you deserve.