Best Health Insurance 2022| HDFC ERGO Health Insurance Review| Optima RESTORE Vs Optima SECURE

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A detailed review and comparison of HDFC Ergo Optima Secure and Optima Restore health insurance plans. Plans are updated with the latest IRDA report which was launched in December 2021.
Optima Restore: This is one of the most selling insurance plans from HDFC ERGO.
Optima Secure: This is a recently launched health plan for families and has a very high sum insured and many additional features.
In this video, we compare Sum insured, Incurred claim ratio, in-patient hospitalization, pre-hospitalization, post-hospitalization, day-care procedures, road ambulance cover, air ambulance cover, etc.

[@bhargavamanish4621]

I have optima restore family floater plan for 5 lakh (BSI) and it is continue from 2014 (Apollo Munich), Now I want to migrate to optima Secure, please tell me what benefit will I get and premium difference.

[@profsumeetfaware5021]

Mujhe mere father and mother ke liye health insurance Lena hai age 57 55 hai konsi policy better rahegi or kitne ki rahegi

[@cutebabyavi14]

Hello ..I hv taken optima restore 6 yrs back through an agent. But now I want to pay premium by myself. I want to leave my agent . Plz guide me

[@suhyb]

Can you please give some idea about how much premium will increase every year according to age?

[@questionmark8647]

In optima restore it increases every 5 year

[@sunildesai3109]

Sir, hdfc health insurance cash less card देता है

[@macky965]

I am looking for me and my wife age 31 and 27 Which one is better optima or secure?

[@devendralakhera8979]

Sir optima secure better he

[@devendralakhera8979]

Me HDFC ergo health insurance me hi hu

[@niravmehta3854]

In optima secure plan is there some there's room capping in plan less than 50 lacs ,or u can take any room in case of hospitalization

[@akashdeep5932]

I purchased HDFC ergo optima How claim daily cash...

[@garimasingh2506]

How is the Deductible works ? Is it the amount we need to pay to HDFC Ergo at the time of buying a policy or we need to pay this amount directly to the hospital at the time of first claim. Like 25k Deductible pehle dena hai Policy Khreed te time ya Jab bhi agar admit hone ke baad admit hote he Hospital ko dena hai 25k amount as a deductible ?

[@ajaykumarsingh702]

Saal ka jo pehla claim bill banega hospital me se, uske 25k pay karna hai.

[@handsomeheart2000]

Optima Restore has no room rent capping, so if single AC rooms not avbl,one can upgrade to any higher room category and not pay extra, because with high room there is a high charge on everything. I wonder why all youtubers don't highlight this pro feature which is a negative in secure plan. No doubt secure is a good plan, but with room capping there are many costs that may rise if single AC rooms aren't avbl

[@tagamag]

Check the revised policy of Optima Secure. No capping and sublimits.

[@nationfirstnationfirst]

Sir, is Air ambulance cover removed from Optima Restore

[@muskanabidi5866]

Maine last year jan me li thi lete time unhone bola ki 10 saal tak itna hi amount pay karna pdega uske baad thoda increase hoga per is saal jab mein renew kar rhi hun to 4000 increase hokar aa rha hai maine puchha to boli ki ye corona ki wajah se increase ho gaya hai

[@sharifulhussain5257]

Abhi kiya kiya madam, policy ko renew kiya ya nehi.

[@muskanabidi5866]

@@sharifulhussain5257 nahi .. maine reliance me port karali

[@syedatif289]

@@muskanabidi5866 u should have taken again u port with hdfc

[@muskanabidi5866]

@@syedatif289 why

[@syedatif289]

@@muskanabidi5866 they don’t have that much cashless hospitals better u can go for hdfc ergo restore Or Icici health shield it’s will high but it’s gud I m also think to go with hdfc ergo

[@Thedsk8]

In optima restore there is no room rent caping

[@lifeafterlife8386]

कैंसर cover है या नही

[@LoanClub]

Optima restore giving unlimited restore rider at nominal expense of 0.50 % of sum assured. I am having 5 lac sum assured and 2.5 lac no claim bonus. Should I renew optima restore with unlimited restore rider or I go with optima secure with only 1 time restore benefit ??

[@ironfitnessnetwork8048]

You should go with optima secure because in optima secure your coverage is doubled from day 1

[@milanmandal9340]

HDFC ergo health insurence company didnot issue health card even after a laps of six month laps, from the date of issu only a certificate, at the date of starting ,the insurence,which is use less, the authority is speakty not

[@00ii95]

मेने 2017 मै अपोलो munj से अपनी famly पॉलिसी ली थी optima restore. 5 लाख तब yearly लगभग 23000 गई थी. उसके बाद इस कंपनी को HDFC ने take over कर लिया उसके बाद 25000 फिर अभी 2022 मै 26900 प्रीमियम दिया और अब 42000 का का बता रहे है मेरी उम्र 51 हो गई है क्या इतना ही प्रीमियम जाएगा. जबकि अभी तक कोई claim नहीं लिया हैं. इसमें मैं, मेरी वाइफ, मेरा बेटा जो अभी 23 साल और बेटी 14 की है. अगर आप के पास कोई और advice हो तो भी बतायें

[@affanmetal]

icici health shield 360

[@affanmetal]

icici health shield 360

[@ranabandyopadhyay7546]

Nice video. Very useful.

[@sunitakadam3956]

Age limit kitni hai I am 76 Mai le sakti hu ya nahi

[@rishabhkesarwaniphotography]

Super clear explanation... thanks

[@FINHUB]

Thanks :). Please subscribe

[@LoanClub]

Please reply earliest. My renewal date is very near now. .

[@mnb9184]

HDFC OPTIMA SECURE FOR 2 YEAR 2 ADULT + 1 CHILD ( age 53 ,43 years + age- 21y 11 mont) Premium chart for year 2023-2024. Kindly you know to me.

[@shivwadhera8646]

Premium is too high compression to other companies with same benefit

[@muskanabidi5866]

Right

[@Yashvlog007]

Iam from Bajaj Allianz Want to invest and grow your money & generate second income contact me.

[@shakunthalashetty9519]

Which insurance company pl

[@Yashvlog007]

@@shakunthalashetty9519 Bajaj Allianz

[@udaykaple6800]

Hdfc ergo no control over officers they mentally harrased me from 8yrs.they had given (Dhamki)to my son ithicless persons aware from this company I have worst experience

[@sourav8632]

I can share one thing. Dont go for HDFC ERGO.I am bwing cheated ,they took my money but they are not refunding it.P.s=I was told that for somw technical glitch my application was rejected.Its been one month that i am about to get the refund. No scope of attaching ,which could have sufficed my review. Dont go for HDFC ERGO,the channel is already paid

[@prinushoby]

Hdfc ergo is a worst policy. They only want money

[@udaykaple6800]

Hdfc ergo👎👎👎👎👎

[@jitendrakumar-pt8iv]

DONT buy hdfc buy policy and when u claim they will reject your claims and no body will here u after buy policy my claim rejected and reason mentioned below:- read and think before u buy "The actual damage is not commensurate with the loss details notified to the Company. We wish to bring to your notice that the following observations are made by Surveyor in pursuant to the survey conducted on the insured vehicle. 1. The damage to the vehicle, which according to you, was caused during the accident does not match the loss details as reported in the claim form that you signed and submitted to the Company. 2. The actual damage to the vehicle prima facie appears to be older in time than the date of the accident as claimed by you. 3. The actual damage to the vehicle prima facie appears to be caused by multiple incidents rather than a single accident as claimed by you. We would like to inform you that the observations made by the Surveyor have led us to conclude that the statements made by you in the Claim Form tantamount to misrepresentation of material fact and is in violation of the declaration made by you at the time of submitting the claim form. The declaration is re-produced below for your ready reference: “I/ We the above named do hereby to the best of my/our knowledge and belief warrant the truth of the forgoing statement in every respect and I / we agree if I /we have made or in any further declaration the company may require in respect of the said accident shall make any false or fraudulent statement or suppression or any suppression concealment, the policy shall be void and all rights to recover thereunder in respect of past or future accidents shall be forfeited.”

[@ajaykumarsingh702]

Destroy them in the court. File a case against them.