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What is HDFC Ergo Optima Secure Plan?
The HDFC ERGO Optima Secure Plan provides financial protection and reduces all medical expenses. It saves you from all future financial losses arising due to Disease & Accident. It offers a lot of benefits with huge coverage. This plan provides coverage starting from 5Lakh to 2 Crore sum insured. The Optima Secure Plan offers several benefits such as Lifelong renewal, In-patient treatment, Pre & Post Hospitalization, Restore benefit, Domiciliary treatment, Day care treatment, Road Ambulance, Air Ambulance, etc. rather than this Optima Secure Plan provides a lot of unique benefits which make the Plan different from others Plan such as Secure benefit (4X coverage), Super Secure benefit (5X coverage), Plus benefit, Home care treatment, Consumable benefit, Robotic surgery, Modern treatment, etc. The Optima Secure Plan focuses on the requirement of customers & their families. At present the company also covers COVID-19 after 15 days of policy purchase. You will get Tax benefit u/s 80D. There is a Free look period of 15 days to go through your policy and change your decision for a better understanding, let's take a closer look at this plan.
HDFC Ergo Optima Secure Plan Review
Eligibility Criteria of HDFC Ergo Optima Secure Plan
There are some eligibility criteria in the HDFC Ergo optima secure plan. Check the details as mentioned below:
Entry age | 91 days to 65 years |
Family size | Covered up to 6 members |
Plan type | Individual/Family floater |
Plan variant | Optima secure, optima super secure plan |
Tenure | 1 Year, 2 Year & 3 Year |
Cashless
hospitalization | All over India |
Base sum insured | 5L, 10L, 15L, 20L, 25L, 50L, 1Cr & 2Cr |
Details of HDFC Ergo Optima Secure Plan
Features | Optima Secure Plan |
In-patient treatment | Covered up to sum insured |
Room rent | Actual |
ICU charges | Actual |
Pre-hospitalization | 60 days |
Post-hospitalization | 180 days |
Day care treatment | All daycare treatments covered |
Organ donor | Covered up to the sum insured |
Domiciliary hospitalization | Covered up to the sum insured |
Home care treatment | Covered up to the sum insured |
Restoration | 100% of the sum insured, multiple times |
Plus benefit | 50% of the sum insured maximum up to
100%, It will never reduce |
Secure benefit | Covered up to 100% |
Super secure benefit | Covered up to 200% |
Consumable benefit | Covered up to the sum insured |
Robotic surgery | Covered up to the sum insured |
Modern treatment | Covered up to the sum insured |
Road ambulance | Actual amount covered |
Air ambulance | Covered up to 5lakh |
Health check-up | Available |
Share accommodation | Up to 15lakh sum insured - INR 800/Day up to INR 4800. Above 15lakh sum insured - INR 1000/Day up to INR 6000. |
Ayush treatment | Covered up to the sum insured |
Bariatric surgery | Covered up to the sum insured |
Second e-opinion | Once in a policy year |
Tax benefit u/s 80D | Up to INR 75000 |
HDFC Ergo Optima Secure Plan Premium Calculation
The health insurance premium is an amount you need to pay to the insurer to keep your health insurance active. In return, the insurer is liable to pay for hospital bills and healthcare expenses which are incurred by you in case of a medical emergency. The health insurance premium depends on factors like age, location & family size. Let’s look at some examples of health insurance premiums as mentioned below:
Family Size | Sum Insured | Premium* |
Individual | 500000 | 10384/- |
Self, spouse | 500000 | 15004/- |
Self, spouse & 1 child | 500000 | 18402/- |
Self, spouse & 2 child | 500000 | 21801/- |
Senior citizens | 500000 | 33382/- |
Unique Features of Hdfc
Ergo Optima Secure Plan
Features of HDFC ERGO Optima Secure Plan
HDFC Ergo Optima Secure Plan V/S Optima Restore Plan
In HDFC Ergo Optima secure & Optima restore plan both products are comparatively reasonable and both plans have individual and family floater plan variants along with the features and benefits. As both plans are designed by HDFC Ergo health insurance with some special features but almost all benefits are the same such as In-patient hospitalization, pre & post-hospitalization, day care treatment, organ donor, Restore benefits, and many more. But there are some features difference in between both plans which make optima secure better than from optima restore plan. Let's take a look at all the differences as mentioned below:
Features | Optima Secure Plan | Optima Restore Plan |
Road ambulance | Cover up to the sum
insured | Cover up to INR 2000/hospitalization |
Air ambulance | Cover up to 5 lakh | Cover up to INR 2.5 lakh |
Ayush treatment | Cover up to the sum
insured | Not covered |
Home care treatment | Cover up to the sum
insured | Not covered |
Consumable items | Cover up to the sum
insured | Optional |
Plus benefit | 50% of the base sum
insured every year maximum up to 100% and it never reduces, whether you take a
claim or not. | 50% of the base sum
insured every year maximum up to 100% and it reduces when you take a claim |
Secure benefit | 100% extra coverage
from day 1 | Not covered |
Super secure benefit | 200% extra coverage
from day 1 if you paid the premium for 3 years. | Not covered |
Discounts Under HDFC
Ergo Optima Secure Plan
Add On Covers of Optima Secure Plan
Renewal Process of
Optima Secure Plan
How to File a Claim
Under Optima Secure Plan
2. Reimbursement
Exclusions of HDFC ERGO
Optima Secure Plan
One-year policy holders are eligible for the feature. Cardholders with debit or credit cards can also take advantage of it.
With the Optima Secure plan, you can choose an AC single room. For treatment/surgery at any hospital, you can choose an AC single room. When you are hospitalized at a network hospital, you can use this facility cashless. Additionally, there is no disease capping. Your sum insured can be used for the treatment of any disease. We want you to undergo quality treatment without worrying about room rent during hospitalization.
It's natural to expect a reward after 3 years of association. Optima Secure won't disappoint you; as a loyal customer, you are entitled to a loyalty discount. You will receive a discount of 2.5% if you have an active retail insurance policy with a premium over rupees 2,000 with us. A 2.5% loyalty discount on Optima Secure premiums is available to existing HDFC ERGO retail policyholders (2 Wheeler, motor, travel, home, health, cyber security insurance). This benefit won't be affected by your claim history.
The use of ortho kits, gloves, masks, et hospitalization is very common during these pandemic times. In a hospitalization bill, these items are considered to be non-medical expenses. However, disposable items are not covered by most health insurance policies. The Optima Secure plan lets you pay for 68 non-medical items commonly used during a hospital stay at no additional cost.
For subsequent claims, for any illness, or for any insured person, the Optima Secure Health Insurance plan restores up to 100% of your base sum insured. The base sum insured is the amount you chose when purchasing the policy. You will benefit from this if you exhaust your existing sum insured for any claim or number of claims. In the first year after purchasing an Optima Secure Health Insurance plan with health cover of 5, 000, 000, and, you file a claim for 8, 000, 000. Your base sum insured will cover five lacs of hospital bills, while your secure benefit will cover the remaining three lacs. After a subsequent claim in the same policy year, you will be entitled to automatically restore benefits up to your base sum insured. After the 1st year, after you expend the Base Sum Insured, Plus Benefits (after the 1st year), and Secure Benefits (in this order), the automatic restore benefit kicks in. There is no carryover of unused automatic restore benefits to the next policy year.