HDFC ERGO Optima Secure Details * 4X Cover with No Additional Cost * NEWLY LAUNCHED HEALTH INSURANCE

✅ REVISED Changes in HDFC ERGO Optima Secure : • REVISED Changes in HDF...
HDFC ERGO Optima Secure was launched on 19th July 2021. The product has the Secure, Plus, Protect & Restore benefit built - in that combines seamlessly to offer customers upto 4 times their Sum Insured at no additional charges.
In this video, we will discuss HDFC ERGO Optima Secure features, eligibility , premiums , exclusions & waiting periods with the help of easy to understand examples.
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✅ UPDATED HDFC ERGO Optima Secure Details : • REVISED Changes in HDF...
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For any queries:
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#HdfcErgo #healthinsurance #optimasecure #optimasecuredetails #hdfcoptimasecure #hdfcergo2021 #newhealthinsurance #hdfcergosecureoptima #optimasecurefeatures #gurleenkaurtikku #insuranceagent #hdfcergohealth #hareepatti
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@GurleenKaurTikku]

✅ REVISED Changes in HDFC ERGO Optima Secure : kzbin.info/www/bejne/iYm0nIytnb9qgJo

[@pritamdebnath703]

Now this is difference Between an Ordinary youtuber having some finance knowledge vs. a CFP, Professional Person. Thank you so much mam. Pray for your good health 🙏🙏

[@GurleenKaurTikku]

Thank you Sir :)

[@yashwantks9419]

This is a great video with detailed explanation of all features. The one thing I would like to understand (for Optima Secure plan) is the hidden catch on room rent capping in one way or the other. They have mentioned that there's no capping on room rent but at the same time they have limited it to single AC room. What I apprehend is that it implies the lowest range single AC room and not any other AC room. Eg: room rent of single AC room is 2k while that of next range single AC room (AC Super, AC Deluxe etc.) is 5k. If you take up the AC Super room of 5k in case single AC room of 2k is not available, only proportionate claim would be applicable to the tune of 40%, rest 60% to be borne by oneself. Doesn't this make all the 2X or 3X or 4X coverage redundant? Also, few consumables which they display in their brochures as covered items are excluded in their detailed worded policy document.

[@GurleenKaurTikku]

Thank you Sir, I am glad you liked the video. Answering your query below: Yes, it is single private AC room which includes deluxe category room as well, Suite and other higher category rooms are not allowed. So, the concept is a room which is single, higher category rooms are usually double rooms - for eg suite. Consumables are covered in Secure plan.

[@brianmouses28]

@@GurleenKaurTikku I have confirmed with HDFC ergo...deluxe and premium single rooms are not eligible. This is why I have cancelled my policy as it was within free look period.

[@tekmohit]

@@brianmouses28 how did u confirm.

[@tekmohit]

@@brianmouses28 which one u took finally

[@gsaras28]

@@brianmouses28 which policy to take then as per your suggestion ?

[@abhishekmarine9]

Room capping is a major drawback (

[@GurleenKaurTikku]

Both the plans have different features, Optima secure has benefits of Optima restore + some additional benefits like - secure, plus, protect benefits.

[@srinividya9868]

@@GurleenKaurTikku OPTIMA SECURE ONE OF BEST FEATURES PLAN IN HTH INDS PRESENT NOW

[@debajanisarma1673]

Max Bupa reassure or HDFC ergo optima or HDFC ergo Secure?????

[@Gastro_liverdoc]

Does optima restore has room rent or room type capping. So many options. Confused so have not taken health insurance

[@debajanisarma1673]

Religare care plus seems to have best features

[@Harshil_Rakesh_Jai_Mata_Di]

Nice video mam, make an video on comparison with max bhupa reassure & hdfc optima secure with features and premium difference.

[@GurleenKaurTikku]

Je,, will share shortly

[@Vishal-wr6cc]

Nicely Covered.. Thank u.. Please compare with Max bupa reassure..

[@GurleenKaurTikku]

Jee, will share shortly

[@SameerShah-jh9yc]

But Tata AIG health insurance company Medicare primer policy and Medicare policy only one company cover non medical expenses without any rider/add on

[@Piyushpp9993]

@@SameerShah-jh9yc Yes Also OPD is covered upto 5k in Tata AIG medicare

[@Vishal-wr6cc]

@@MySpace-i8k any perticular reason/experience do u have.. Please share..it will help me..

[@Vishal-wr6cc]

@@MySpace-i8k Thanks Himanshu for sharing.. 🙏

[@ganeshvadcar8098]

Good info, but I think you missed out on one very importnat point regarding premiums we pay every year, Optima Secure: premium increases every year of premium payment. Optima Restore: premium increases after we cross a certain age bracket, eg; 25 - 35 age fixed premium amount year-on-year, 35 - 45 age higher premium fixed amount year-on-year

[@GurleenKaurTikku]

Ganesh jee, covered this point at @1:30 in the video, please check. Thanks

[@ganeshvadcar8098]

Okay got it

[@Mangeszh.Bhanage]

@@GurleenKaurTikku have you edit it again,coz I'm not seeing this point @1.30

[@bimlaverma8678]

I am hdfcergo health insurance agent my question is when the customer says why he takes the policy from me only and the policy is very expensive what should be my answer so that the customer feels satisfied

[@RAJENDRAKUMARVM]

You are the best 😎 binge watching your videos. I know you are doing this in busy schedule but if possible please consider English captions for South Indian followers . Thank you again

[@GurleenKaurTikku]

Hi, we try to mention as much information in the caption of our videos now. You can check our latest videos, the information is more in tabular forms. But , thanks for the wonderful feedback , we will definitely try to work on it. 😊

[@brianmouses28]

I have checked with HDFC customer care. They have confirmed that single ac does not include premium or deluxe ac single rooms. Just the basic single room ac is eligible. Be careful before porting or buying this policy.

[@brianmouses28]

From Hdfc ergo team "We would like to inform you that single AC private room does not have impact of deluxe category."

[@khushbookumari1721]

Plz make video on comparison between Max Bupa and HDFC ergo.

[@GurleenKaurTikku]

We have already made comparison videos between Max Bupa & HDFC Ergo Plans ON OUR CHANNEL. Video Link Reference : kzbin.info/www/bejne/iYLCeHulfqeggM0 Thanks

[@maneeshagaur6193]

Very well explained mam. I have already purchased this policy for myself and after watching your detailed explanation I am convinced that I have taken the right decision. Thank you. Keep up the good work and keep guiding us.. 👍

[@GurleenKaurTikku]

Arre wah, That's nice :)

[@aakarshjaiswal2272]

@@GurleenKaurTikku One quick question for you, please reply. I need to buy health insurance for my parents. Should I buy individual insurance or one insurance(family floater) for both of them ? Should I buy this insurance for them. There is no existing/ pre-existing disease. Thanks.

[@GurleenKaurTikku]

@@aakarshjaiswal2272 Please get in touch with us on WhatsApp/Call at 9650706699 & we can help you choose a suitable plan according to your requirements Thanks

[@John95452]

You are two nice and genuine lady. Thanks for helping me over the call.

[@GurleenKaurTikku]

Thank you so much , keep watching ! 😊

[@Nirvair9]

Madam ji bhut hee vadia information tusi diti hai its help us a lot

[@GurleenKaurTikku]

Thanks jee :)

[@nitinbchaudhary1846]

what You say about Digit health insurance..? explain please digit plans..

[@GurleenKaurTikku]

Yes, we are planning to post a video on DIGIT Plans soon ! STAY TUNED :)

[@ani20r]

Very clear and precise explanation. Keep up the good work madam ! God bless you !

[@GurleenKaurTikku]

Thank you jee, I am glad you found it useful :)

[@surjeetbhati8244]

Mam, mostly we see , they don't settle the claim and reject the claim. For on or orher reasons. IRdai should formulate policy in such a way thar, there should be no scope of rejection of claims

[@world_beyond_walls]

Great video. Nicely explained. Kudos to you & the team for the efforts. Q: What is the difference between HDFC ERGO Optima Restore and Optima Secure? Which is better?

[@GurleenKaurTikku]

Hi Navin jee, Thanks for the appreciation. The major difference is Secure benefit and Plus benefit are available in Optima secure only. Protect benefit is inbuilt in Optima secure whereas it is added as rider in restore plan. Sharing the detailed comparison video shortly.

[@bishalghosh1049]

Hello Ma'm can you please make a video on Magma HDI onehealth health insurance policy?

[@GurleenKaurTikku]

Noted, we will make a video soon Thanks :)

[@rk..5409]

ICU Room cover??? Dental and eyes treatment cover??? 2 adult and 1 kid i will pay in optima restore is 18403 and same condition in optima secure i will 23259 too much high for middle class families.

[@hiteshtiwari1321]

ma'am hdfc aur tata aig dono me se kaunsi company behtar hai..

[@GurleenKaurTikku]

Hitesh jee , it depends on your requirements from your health insurance plan. You can contact our team on WhatsApp / Call at 9650706699 or 9810458605. Thanks

[@durgeshbabu5323]

Pls do make videos on hospital cash insurance One more pls make video on difference among optima secure ,resore and max bupa reassure.

[@GurleenKaurTikku]

Sure, will share shortly.

[@abhinavkumar8396]

Absolutely stunning explaination. loved it. 💕 Got everything so clear.

[@GurleenKaurTikku]

Thank you so much !!

[@shabbirrampurawala4947]

Ma'am how much does premium increase every year? And can premium increase in first 3 years of policy as per law? Please answer! It would be great help, thank you!

[@vasimahmadkhan4498]

I appreciate your efforts Ma'am. Please clarify/ advise: 1.) You didn't say about increase in premium every year as per the age of each person in family floater plan of Optima Secure. Will it not making this policy expensive? 2.) Please clarify more about the room category or room capping, as despite of several good features, room capping issue is the weak part of Optima secure. It may cause trouble to optima secure policy holders.

[@GurleenKaurTikku]

1. Premium will be increased every year in secure plan as per age. There are two types of policies in health insurance- one where premium is increased every year and other where premium increases on a 5 years slab. The proportionate increase in 5 year also is almost the same. 2. For policies below 50 lacs, there is single room which includes deluxe and semi deluxe. For policies above 50 lacs, there is no capping

[@vasimahmadkhan4498]

@@GurleenKaurTikku Thank you so much Ma'am! Best Wishes.

[@GurleenKaurTikku]

@@vasimahmadkhan4498 :)

[@raghavendrac2732]

Nice video….Please compare with max bupa reassure & suggest

[@GurleenKaurTikku]

Thanks jee, yes sharing video shortly.

[@ravirajansingh9939]

Madam good highlights but I was looking more in deep for coverage specifically not much limits, so is it possible to advise specially what all coverage for diseases are there and specifically what all are not covered???

[@GurleenKaurTikku]

Ravi jee, you can go through the policy wording or may get in touch with our team at 9650706699 / 9810458605. Thanks

[@lipsanaik4105]

Hello Mam, which is the best health insurance policy for a 45 year old man with pre existing diseases like asthma and thyroid.

[@GurleenKaurTikku]

Hello jee, kindly share your details by filling up this form : hareepatti.com/contact-us/ Our team can help you & suggest the suitable plan. Thanks.

[@shrawanagrawal2813]

Madam pregnancy per cover karta hai ki nahin HDFC

[@ersamrendra]

Once again great video. Nicely explained. Eagerly waiting for comparison between Max Bupa Reassure and HDFC ergo optima secure pls 🙏🙏

[@GurleenKaurTikku]

Thanks you Sir, Comparison Video coming out shortly :)

[@pallaviladkat123]

@@GurleenKaurTikku pls make it soon mam..I have to port my policy

[@GurleenKaurTikku]

@@pallaviladkat123 coming out this week only :)

[@GurleenKaurTikku]

@@pallaviladkat123 Comparison video is up on our youtube channel :)

[@pallaviladkat123]

@@GurleenKaurTikku m so overwhelmed by ur replies on every doubt..lots of love to you from Pune 💞

[@krutitrivedi8064]

Namaskar. Does this include COVID treatments?

[@GurleenKaurTikku]

Yes, it includes COVID hospitalisation

[@nareshkumarjain9035]

Good mam आप ने बहुत अच्छा समजाया प्लान को good

[@GurleenKaurTikku]

Thank you jee :)

[@RavindraPPunse]

madam, WHICH IS THE BEST plan from hdfc ergo for Sr. citizen Female....

[@GurleenKaurTikku]

Hello jee, please get in touch with our team on Whatsapp / Call at 9650706699. They can help you out. :)

[@bimlaverma8678]

Any video on hdfcergo ipa

[@biswajeetdey3052]

I just want to know for maternity benifit in this policy?

[@amirshaikhqatar2079]

Very informative video and however i have some query in HDFC ERGO Optima Secure policy and please advise- How much Life time same premium and Room Rent cap and ICU Room and pre & post hospitalization and road ambulance and organ donor and no claim bonus and every year free health check up and pre existing disease and co payment.

[@GurleenKaurTikku]

Thanks, I am glad you found it useful :) Premium will increase every year as per age Room rent & ICU room rent - Single private AC room, Deluxe/ semi deluxe except suite below 50 lacs sum assure and no capping for 50 lacs+ sum assured Pre & Post hospitalisation - 60 / 180 days Plus benefit in lieu of No claim bonus - 50% first year and 50% second year PED - covered after 2 years No co payment Complimentary wellness health checkup every year

[@rdivakar6576]

25K aggregate deductible means exactly what Is it applicable each time we visit the hospital, any no. Of times in a year?

[@pavanlakote]

I don't see an option to buy "Optima Secure" for individual. Can you please clear this?

[@GurleenKaurTikku]

Hi Pavan, I can see on HDFC ergo home page the option to buy policy, there you can select for individual / family Floater plan.

[@UrbanRender]

Restore dialyais chaemo me apne clarify nai kiya...pl.explain after looking policy wordings

[@pallaviladkat123]

Max Bupa assure vs HDFC ergo optima secure video please

[@GurleenKaurTikku]

Jee, will be out this Thursday.

[@ajaykumar-banker]

I am 65 years 10 months old . Can I be covered under hdfc optima secure? My wife is 61. I want to have a policy for myself and my wife.

[@GurleenKaurTikku]

Yes, you can buy. ✅ To buy the policy, you can connect with us on WhatsApp/Call at 9650706699. Our team may assist you for the same. Thanks

[@fredrickpaul8455]

In video you explained about pre policy medical checkup but the HDFC executives are saying that they do not conduct pre policy medical checkup. Please give Your views on that.

[@GurleenKaurTikku]

PPMC - Pre policy medical checkup depends on the age and medical history.

[@navinkotangle5283]

Madam HDFC ERGO Energy plan for B.P and hypertension ky upar ek video banay please

[@GurleenKaurTikku]

Hello jee, we have already made a detailed video on HDFC ERGO Energy. Please check the link : kzbin.info/www/bejne/jWqwfJuXlqx3r9E

[@navinkotangle5283]

@@GurleenKaurTikku ok

[@prathameshjadhav7008]

Hi Ma'am, thank you for the great video. I have couple of questions 1. If I take annual deductible will the discount be applied for all the upcoming years or only for 1st year. 2. Are dental treatment covered in this policy. 3. Since the premium will be calculated every year, they might start increasing the premium steeply after 2-3 years to compensate the starting low premiums. Any thoughts on this? 4. Also which one will you prefer HDFC optima secure or TATA AIG Medicare premier. Please please do answer this question, will help me a lot, i am really confused about it.

[@GurleenKaurTikku]

Hi Prathamesh, Answering your queries below: 1. If I take annual deductible will the discount be applied for all the upcoming years or only for 1st year. The discount will be applied every year. 2. Are dental treatment covered in this policy. No, they are not. The dental treatment if arising out of accident will be covered in IPD process. 3. Since the premium will be calculated every year, they might start increasing the premium steeply after 2-3 years to compensate the starting low premiums. Any thoughts on this? The premiums can be increased in any health insurance policy, but increasing steeply without any justification will not be there. 4. Also which one will you prefer HDFC optima secure or TATA AIG Medicare premier. Between the two plans, HDFC secure will be preferred

[@prathameshjadhav7008]

@@GurleenKaurTikku thank you so much

[@subhrenduchakraborty9440]

Actually this is 3x benefit not 4x. Because 4x will be only when there is claim. Not automatically. And the pricing is not that cheap. 5 lakhs Secure plan price is more than 10 lakhs Restore plan. So twice cover given at no extra cost... Well that is not the case actually

[@eshangupta8918]

Ma'am Aditya Birla platinum enhance vs hdfc ergo optima secure which is best

[@GurleenKaurTikku]

Depends on various factors. You can contact our team through Whatsapp at 9650706699 Thanks

[@pujamirza5671]

Mam my mom DOB 15.10.1960. WHICH IS THE BEST. 15 LAC POLICY. OPTIMA SECURE OR OPTIMA RESTORE WHICH IS THE BEST. NO DISCOUNT I WANT.

[@GurleenKaurTikku]

Hello , Thanks for reaching out. Please get in touch with us on WhatsApp/Call at 9650706699 or you can fill up this form with basic details & our team can get in touch with you. FORM LINK : hareepatti.com/contact-us/

[@sandeepjhunjhunwala3028]

Very Welled Explained have cleared after watching video, so much efforts 👌 to make n explain, Thanks a lot.

[@GurleenKaurTikku]

Glad to hear that, Thank you !

[@shubhamsarin9630]

Brilliant video mam .... hats off to u for ur indeapth research

[@GurleenKaurTikku]

Thank you so much ! Keep Watching :)

[@brijeshsingh07]

Very informative video, but now I got confused between hdfc ergo optima vs Max bupa reassure policy for individual.

[@GurleenKaurTikku]

Hello jee, please get in touch with our team on WhatsApp/Call at 9650706699. Our team can help you choose the best option. Or you can simply fill up this form & our team will contact you directly : hareepatti.com/contact-us/ Thanks

[@aadildarvesh9982]

What if single AC room is not available in particular hospital?

[@GurleenKaurTikku]

HDFC Ergo secure , sum assured less than 50 lacs, you can go for any room except suite category - sIngle, deluxe etc. This clarification came later on from HDFC ergo

[@sr-yx7zf]

@@GurleenKaurTikku Madam 24 Houspitalization or 48 hours ?

[@davidburner4624]

Hi, Please clear a doubt. Is this policy cover -> same illness same person ?

[@GurleenKaurTikku]

Yes, restore benefit is for same person and same illness too once a year

[@poordadsrichgirl6739]

Mam can you compare this plan with Aditya birla Active Health Platinum Enhance plan

[@GurleenKaurTikku]

Thanks for the suggestion. We will make a comparison video soon. We have also made a separate video on Aditya Birla Active Health Platinum Enhanced : kzbin.info/www/bejne/oJunZIlseLuGm80 Thanks

[@AbhinavMalhotra]

health policies not usefel in india as no OPD covers are provided..People have huge everyday expenses in seeing doctors privately, diagnostic tests and medicines.

[@KanchhaNoScretRecipes]

Ek din mam ka youtube channel asman chuyega 🙏🙏🙏🙏🌺🌺🤗🤗🤗

[@GurleenKaurTikku]

Thank you so much jee :) Keep Supporting !

[@sumitgupta4523]

I want to know whether optima secure policy cover features like mordern treatment and robotic surgery because I was unable to find it in the brochure and policy wording please can you tell me about it .

[@sumitgupta4523]

I want to buy it.

[@GurleenKaurTikku]

Sumit jee, yes, it is covered. I have official communication from HDFC ergo's team , I can share the same with you over email. You can get in touch with our team at 9650706699 or [e-mail]

[@sreemoyeechatterjee4284]

Easy and simple description. Thanks

[@GurleenKaurTikku]

Thanks a lot :)

[@mushirrazaqureshi8381]

Thank you mam once again I m thinking to port in,however can u make video on Max Bupa restore plan. So we can compare with the same.

[@GurleenKaurTikku]

Please check the detailed videos on HDFC Ergo optima restore- kzbin.info/www/bejne/faK5eGZ-mbKdhpY Max Bupa Reassure - kzbin.info/www/bejne/g3ncna2qbseFbrs

[@sanjayjagtap4679]

hdfc ergo officials are telling that continuity benefit will not be given to people who want to shift from hdfcergo optima retore to hdfcergo optima secure, due to which i had to buy a new optima secure policy without getting any continuity benefit of optima restore which i had since last 1 year. what is the correct information regarding continuity benefit of shifting from restore to secure. thanks

[@GurleenKaurTikku]

Sajay jee, Internal migration from one plan to another is allowed by company recently , however the process for the same is yet to be floated.

[@rickysehgal3638]

Hello mam please guide me hdfc ergo best hai claim settlement me ya star ki comprehensive plan sahi rahega matlab mam kaun si company best hai claim settlement me please reply mam

[@VinodPatil-gf6iw]

Thanks Madam! It's Very Informative! Still I have questions 1. I am already having HDFC Ergo standard policy of SA 3 Lakh, now I want to go with this policy. During porting to this policy from same company Whether my accrued benifits will remain intact including waiting period already covered for some slow growing special diseases.

[@GurleenKaurTikku]

Glad that you found our video informative 😊 Answering your question - Yes, accrued benefits will remain intact as it is an internal portability. Thanks

[@UDAANSALESACADEMY]

Extra Premium Nahi Hai ? ? ? Really ? Optima Restore + Top Up Will Cover Much more than 4X

[@shivamnigam8309]

Dear Ma'am, First off all thanks for making this video so exhaustive yet simple to understand. Appreciate all your hard work you put into making this video. Now coming to my query/question.. If I want to get my spouse added to the policy at a later time will this be possible? if yes then after how much time after purchasing the insurance? Will be at renewal date only or at any date. Thanks in Advance!

[@GurleenKaurTikku]

Hello Shivam, Thanks , I am glad that you found the video useful. Yes, possible at the time of renewal.There is no waiting period as such, you can add at the first renewal as well.

[@veeranarayana]

No room rent caping above 50 laks only , before 50 laks no suit room given

[@GurleenKaurTikku]

👍

[@baadalsalam3894]

Premium for 32 yrs old ( individual)

[@adityanandakumar7795]

Hi Gurleen Ma'am. Absolutely loved your video! This is very helpful. Could you please clarify a few points about the plan? 1. Will the restore benefit apply for multiple claims in a policy year? (Eg- 3-4 claims made in a single policy year? 2. If the base sum + secure benefit + plus benefit amount has been exhausted in a single policy year, will the restore benefit replinish all these benefits again in the same policy year? 3. Once exhausted, does the plus benefit amount get restored immediately from the next claim or do we again have to wait for 2-3 years for the plus benefit to be restored? Thank you so much 🙏🏻

[@GurleenKaurTikku]

Hi Aditya, Thanks for watching the video and appreciating :) Please find below answers to your queries: 1. Will the restore benefit apply for multiple claims in a policy year? (Eg- 3-4 claims made in a single policy year? Maximum Limit for restore benefit is equal to base sum assured. It can be used for single or multiple claims 2. If the base sum + secure benefit + plus benefit amount has been exhausted in a single policy year, will the restore benefit replinish all these benefits again in the same policy year? If all the above said benefits are exhausted, only restore can be claimed for rest of the year. Next year, all the covers are refreshed again. 3. Once exhausted, does the plus benefit amount get restored immediately from the next claim or do we again have to wait for 2-3 years for the plus benefit to be restored? Plus Benefit doubles your coverage in two years, irrespective of claims . Once it gets doubled, it remains double throughout. Hope this clarifies :) Please feel free to get back in case ofd further queries.

[@travelguru.official]

Plz compare with optima Restore. I purchased just before 15daya after watching ur last vdo of optima restore. Should I continue with my Existing policy or Go with optima secure. Plz give suggestions. 🙏🏻🙏🏻🙏🏻

[@GurleenKaurTikku]

Continue with optima restore. You can migrate at the time of renewal next year if you wish to.

[@Jiwonsharma]

Even i purchased optima restore 4 days back

[@travelguru.official]

@@GurleenKaurTikku okk thank u madam

[@GurleenKaurTikku]

@@Jiwonsharma Continue with optima restore. You can migrate at the time of renewal next year if you wish to.

[@rahulshah3300]

Perfect information ma'am. Can any one buy this hdfc ergo plan , with only one kidney by birth, with no any other illness.

[@GurleenKaurTikku]

Thank you so much, we need more medical information to guide you for the same. You can connect with us on WhatsApp at 9650706699. Our team may assist you 😊

[@RajeshKumar-mt8il]

Thanks Mam for giving all vital informations regarding this policy. Only one question left now--- What about Modern treatments Nothing has been written in their prospectus. What does it mean--- Covered or not. Will be thankfull if u pl clear this doubt.

[@GurleenKaurTikku]

Modern treatments are covered in the policy

[@tavneetsingh2655]

What about single private ac room? that is making me think whether i should go for it not

[@GurleenKaurTikku]

So, Single private AC room is also covered till deluxe category.

[@surjeetbhati8244]

Mam, Why this insurance company r not covering dental and opd cover. This company should cover all this things.

[@GurleenKaurTikku]

Surjeet jee, it is not part of their coverage scope, there are few companies which are providing OPD cover.

[@SwapnilPatil-pr7qe]

Can this deductible amount be paid from my Office Insurance policy of small amount ? and claim the discount :)

[@GurleenKaurTikku]

Yes, deductible can be paid from anywhere - from your own or any other company's policy. That way , you will get discount on premium.

[@VivekKumar-yj8kh]

Plus benefit is one time? If plus benefit amount gets used fully in the claim..will it get refilled or added again??

[@MonikaSingh-w3u]

Acha to explain krte h but koi msg pr query kro to ans nhi dete h mam

[@HarshPatel-xx2hc]

Hi Gurleen Ma'am. Absolutely loved your video! This is very helpful. Could you please clarify a few points about the plan? 1. What would be renewal premium rate for this policy ? Thank you so much 🙏🙏

[@GurleenKaurTikku]

The renewal rate is as per age and family size.

[@fredrickpaul8455]

​@@GurleenKaurTikku In which policy OPD benefits are available?

[@kalpeshvaidya7294]

Madam ji, 1. If policy is issued in zone 3 rural, is there any challenge for claim settlement in zone 1? Any extra payment for PAN India. 2. Is 4x feature applied for 5lac coverage as well?

[@GurleenKaurTikku]

There are only two zones - zone 1 and zone 2. If policy is bought in Zone 2, you can claim anywhere in India without any co payment. Yes, 4X feature applicable on 5 lacs SI as well.

[@sona1315]

My oriental health insurance around 10 years old, can i opt for MNP optima secure? myself from kolkata

[@GurleenKaurTikku]

Sanjib jee, yes you can buy optima secure.

[@sreemoyeechatterjee4284]

Yes, you can. I am an employee of hdfc ergo company.

[@sona1315]

@@sreemoyeechatterjee4284 Thanks

[@sona1315]

@@GurleenKaurTikku Thanks

[@GurleenKaurTikku]

@@sona1315 :)

[@RajKumarSingh-ll2fr]

How top up plan work on policy Kya top up lena chahiye

[@sanjaysaini581]

Very nice advice 👍

[@GurleenKaurTikku]

Glad it was helpful!

[@drmvbhagat]

Is there a sublimit on any illness?

[@GurleenKaurTikku]

No sub limits

[@mayank6101]

Mam peritoneal dialysis cover in this policy or not

[@sumandey7600]

Dear Gurleen, if I am not wrong, you have skipped the premium increase rate per year in secure. How much percentage it is increasing and will it be profitable as compared to the optima restore rate hike which is at an age interval? Requesting for early response.

[@GurleenKaurTikku]

Percentage increase is approx 3-4%, almost same increase in both the plans

[@sanjayarora3480]

Thanku for explain this policy, You explain very nice 👍 of this policy , Thanks again 🙏

[@GurleenKaurTikku]

Glad you found it useful :) Keep watching !

[@prashantsampat1885]

You are a blessing

[@91rahuldesai]

Hello mam, I understand your video really well. All the points are well elucidated. You need some background knowledge to ensure this video makes sense. I just have one query I am currently on restore and i will be moving to secure from may 17 2022. Will my multiplier benefit of the restore plan be carry forwarded? I have a 5 L multiplier benefit. My policy is for 5 lakh. So will it work like this First year 5 L (base sum)+ 5L ( secure benefit)+ 5L ( multiplier benefit) which is 15 lakh. And ofcourse rider protect and restore benefit from second claim onward capped to sum insured. Year 2 5L +5L +5L +2.5L which is 17.5 Lakh. Now my question is the total bonus value is 5+2.5 which is 7.5 which is higher than base sum..so will it be allowed? Since 5 L is the erstwhile bonus from restore. Year 3 5L +5L+5L + 5L which is 20L And fourth in year onwards it will stay 20L if i don't upgrade my base sum. Since max bonus value is reached capped to 5L. So i started with 5L base sum and @ the end of 3 years its 20L because of the previous policy bonus benefit. Also what happens if i use my multiplier bonus 5l saved from restore policy. Once it's exhausted only plus benefit will exist since i m on my new plan now

[@PraphullataMore]

What’s the age bracket to calculate premium I.e 40-45-50-55-60 yrs if we want to buy policy for 1 individual only. How it is calculated?

[@GurleenKaurTikku]

Premium is as per age every year, age slabs are not there is secure plan.

[@anwaraliansari4916]

Highly skilled lady

[@GurleenKaurTikku]

Thank you ! :)

[@masd2819]

Modern treatment and robotic surgery Cover upto Sum Insured or sub limit applicable. Plz confirm

[@GurleenKaurTikku]

REVISED Changes in HDFC ERGO Optima Secure : kzbin.info/www/bejne/iYm0nIytnb9qgJo

[@technotemper]

Hello Ma'am, I may have missed it but could you please tell me if there is any limitations in rooms. I personally would buy this if there is no room capping and copay.

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team may assist you with all your queries. Thank you 😊

[@kidsfirstactions1484]

Thanks, Gurleen(Guru) for in detailed info.

[@GurleenKaurTikku]

Thank you :)

[@adarshmunshi]

please tell how the cumulative bonus works in this policy?As per policy wording with each claim free year CB will be applied/increased at 10%.

[@GurleenKaurTikku]

Adarsh jee, There is no cumulative bonus in this plan.

[@Amit24ku]

Critical inless kya hota hai

[@garag9743]

Madam please compare Optima secure and care

[@GurleenKaurTikku]

Sure, Thanks for the feedback :)

[@mohantripathi8161]

Ma'am which one is better HDFC optima secure or Aditya Birla diamond plan? Please reply

[@GurleenKaurTikku]

Mohan jee, it depends on your requirement. Both are completely different products.

[@mohantripathi8161]

@@GurleenKaurTikku Ma'am please guide me... I want to take family floter - I, my wife and son age (35,37 and 10). SI 10 lac so which will be best with low premium.

[@GurleenKaurTikku]

​@@mohantripathi8161 Please get in touch with us on WhatsApp/Call at 9650706699 . or You can fill up this form & our team can connect with you directly. FOR,M LINK : hareepatti.com/contact-us/ Thanks

[@paras123rk]

@@mohantripathi8161 which plan you buy?

[@devendrajayalwal3398]

Don not focus on 4X Coverage, that's a marketing gimmick. Compare the Premium with other companies. For eg Tier 1 city Mumbai I did a comparison for my family Family Floater 4 Members 15 Lacs Sum assured. HDFC ERGO - 78,819.00 & TATA AIG -55,355.00 you may say that we have 4X coverage in HDFC. But if you take 50L Sum assured in TATA AIG 72,437.00 Premium.

[@brijgoenka6905]

Tata mein reasonable and customary clause hai uska kya? Hdfc me its aint there... Tata wale full claim denge hi nahi most of the time under this clause

[@dr.sushilkumarojha7386]

Nice explanation covers all most every part with pinpoint parts like deductable drawback-- my few questions please answer if possible 1- Room rent capping with individual policy of 5Lac? 2- please share list of 63 non consumables items which are covered by optima secure. 3- Any specific capping for post or pre hospitalization expences? 4- Can I switch optima secure to restore or other policies or switch to family floater plan in next year. THANKS

[@GurleenKaurTikku]

Thanks Dr.Sushil :) Sharing answers to your questions: 1. Single room that includes deluxe and semi deluxe rooms as well. 2.It is available in secure policy wording on page 28 as annexure B ( not able to attach here, you can send us an email at [e-mail], will attach) 3. No capping, covered upto sum assured. 4. Yes, you can internally port from secure to restore and change from individual to family floater

[@dr.sushilkumarojha7386]

@Gurleen Kaur Tikku Thanks for answering my questions & I am sending a mail also. I am very happy for your quick reply.

[@GurleenKaurTikku]

@@dr.sushilkumarojha7386 SURE :)

[@2009nickme]

Similar to other policies, this also has a tax benefit of 80(D) Right?

[@GurleenKaurTikku]

Yes

[@shashankp21]

OPD benefits not available? What does it means.

[@GurleenKaurTikku]

OPD is out patient department which is mainly for doctor consultations and small procedures where admission and discharge is not required in a hospital. they are not covered in this plan.

[@oro911]

Pre medical check compulsory for this policy?

[@Akhilesh.Shukla]

क्या मेडिक्लेम पालिसी hone par हॉस्पिटल महंगे बिल बनाते हैं ?

[@GurleenKaurTikku]

This actually varies from hospital to hospital, I can't comment on this.