Know About The HDFC Optima Secure Health Insurance Plan

HDFC ERGO Optima Secure is HDFC Ergo General Insurance's newest product in the category. Individual and family floater versions of the plan are available. Your basic coverage is automatically increased by 50% after one year and 100% after two years, regardless of claims submitted under the plan. Another essential aspect of the plan is the Restoration Benefit, which guarantees that if you file a claim throughout the year, 100 percent of your basic coverage is restored immediately and at no additional cost. 

Consumables like gloves and masks are also covered under the plan's built-in Protection Benefit. Two optional add-ons for customizing the plan are My Health Critical Illness Cover and My Health Hospital Cash Benefits Cover. Loyalty incentives, family discounts, and long-term savings are all available with this HDFC ERGO health insurance plan. The amount promised under the scheme ranges from Rs. 5 lakh to Rs. 2 crores. Continue reading to learn more about HDFC Optima Secure Health Insurance Plan.

HDFC Optima Secure Health Insurance Plan Features

All people and their families are now required to get health insurance. The bulk of us, however, are uninformed of the policy's core elements. We should select a health insurance plan after reviewing all of the features and coverage. If you pick a plan that does not match your needs, you will be charged extra. The HDFC Optima Secure Health Insurance Plan has the following features:

• Sum Assured 

3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, and 50 lakh are some of the sum insured options available. If the cover is depleted within the policy year, it guarantees free automatic restoration of the base sum insured.

• Renewable Energy 

This health can be renewed indefinitely.

• Cashless Service 

It offers cashless services to over 10,000 medical professionals and 4500 network hospitals in over 800 locations, allowing the insured to avoid paying any money out of pocket in the case of hospitalization or surgery.

• Plan For Everyone 

This plan is open to everyone, both individuals and families.

• Pre-Policy Review 

Requires 46 years of age and a sum insured of at least $15 lakh.

• Tax Rebates - Waiting Periods

There is a tax deduction benefit when paying income tax on the monthly wage due to the premium paid under section 80 D of the Income Tax Act.

• Settlement of Claims
  

There is a 98 percent claim settlement rate when it comes to competent document representation.

• Free Trial Period

Any individual is given a 15-day window to study the health plan's terms and conditions.

HDFC Optima Secure Health Insurance Plan Benefits

The advantages of the HDFC Optima Secure Health Insurance Plan are as follows:

• Daycare Therapy
  

The Plan covers all day-care therapies rather than needing a minimum of 24 hours of hospitalization. The Policy Documents as well as the company's website provide a list of various therapies, such as radiation, chemotherapy, cataract surgery, dialysis, and so on.

• Claim Benefits for Free
  

This is an excellent benefit that might make a policyholder extremely happy. You'll be eligible for a 50% bonus for each year you go without submitting a claim. This bonus is available for the next year's insurance, up to 100% of the sum insured.

• Benefits Restored
  

If you have spent or depleted your amount covered in a policy year, you can receive the restore benefit, which adds 100 percent of the sum insured immediately.

Take Away

Medical emergencies can happen at any time, putting you in a financial bind. Furthermore, you must have adequate health coverage for your family to protect the pleasure and well-being of your loved ones. Individual health insurance plans cover policyholders against a wide range of diseases and illnesses, as well as unexpected hospitalization. It might be difficult to choose the ideal method for oneself, so establish a list of considerations to assist you to understand.

Also read - When Is It Appropriate To Buy A Health Insurance Policy?