HDFC ERGO Optima Secure 2023 Health Insurance Unbiased Review

[@ferooose992]

HDFC ergo health insurance policy is superb Superb settlement 🎉🎉🎉

[@Up4Updates]

Yea it iss

[@akashbhagat518]

Bro which no. Are you dialing from your left hand ?

[@laxmigoyal4719]

Hello sir i want to take health insurance policy for my parents. Father age is 60 years and mother age is 52 years and i am confused between two options star health assure and hdfc ergo optima secure. Please suggest me the best option. Thank you

[@beautyofnature5924]

At what time is suitable for phone call?

[@nukarajubatchala5117]

How much percentage discount can get NRIs & what's are documents required

[@rajatpaul3121]

Dental treatment or plastic surgery covered hai kya isme? Civered to likha hua hai

[@mitra150]

This 3x or 4x of basic sum …..if required do we get it for one time hospital admission .

[@caakashpal6714]

I have not done add on for Critical illness. Whether it's covered or not. Also i have just make payment and policy document is still not received and policy showing invalid.

[@keyurrughani3687]

Yes Ramsir, Please go through the Go-digit health insurance plans as it is lower in premium compare to other companies. Share your thoughts and review on it.

[@deepalibharankar8335]

Hi, in Optima secure plan, if secure benefit and plus benefits are fully utilised in future for example on 5th year, then on renewal does these 2 benefits gets added again? And does unutilised amount gets carried forward to next years?

[@keyurrughani3687]

yes it is added again as it is in built benefit and it is not carry forwarded, as this company is not working as care company

[@rrathi2010]

Hi, one query regarding aggregate deductible feature of Optima secure policy. If we go for 50k deductible option, and if there are 2 separate claims of 45k and 55k in same policy year then do i need to pay 95k (45+50) from my pocket and only 5k will be paid thru insurance? Thanks in advance

[@shubhamjain7454]

You will pay 45k in first claim & 5k in second claim. All else will be paid by the company.

[@pradeeppatel2049]

@@shubhamjain7454 how would at the time of second claim hdfc would know of first claim not paid?

[@shubhamjain7454]

@@pradeeppatel2049 The company wouldn't know until you tell so. But you will definitely tell this to HDFC because you would not want to pay money from your pocket.

[@pradeeppatel2049]

So we tell company is understood But when? First claim or second?

[@shubhamjain7454]

@@pradeeppatel2049 You should tell the company after 1st Claim. They will generate a settlement letter in which you are getting ZERO amount. At the time of second claim, you need not tell anything.

[@Tajindersinghjamshedpuria]

Hi which one should i buy Optima secure or Aditya Birla Active one??

[@Up4Updates]

If you are young go with 𝗔𝗗𝗜𝗧𝗬𝗔 Birla… but if you can afford HDFC go with that

[@Tajindersinghjamshedpuria]

​@@Up4Updatesthank you .. I have taken aditya birla active one max

[@mayankjhavats]

Bistupur se liya hai kya . Direct insurance company se

[@mayankjhavats]

I'm having both

[@mayankjhavats]

Niva bupa bhi hai... Navi ka bhi h

[@TheMonoranjan]

Please some one tell me whether we get discount on OPD bills with this insurance

[@Up4Updates]

Noo opd is not covered in this plan

[@TheMonoranjan]

@@Up4Updates Can you tell me any insurance which is bundled with OPD bill discount? If insurance plan does not have OPD bills covered how can we get our OPD bill reimbursed? We go to OPD more than actually getting admitted.

[@TheMonoranjan]

OPD me discount milta hein??

[@pradeeppatel2049]

You saying not to take unlimited restore.. you can tell price for it ? If less than 1% of premium then what's the issue taking?

[@Up4Updates]

It is just a mindset for you its less then 1% which will be of no use. If something is not useful one should not get it for free as well. If it would have been so useful then why company is giving it for so cheap …!!!! Extra amount equal to SI🥲

[@kuldeepnegi-xi2uw]

Bcoz, Company don't want to revise the existing plan with this belief that yes it has to be included within the plan with no additional cost, such as niva bupa do.

[@007citu]

Hi, very helpful video

[@haribanshkumar4110]

Should i buy online or offline policy?

[@meetsavkare]

Sir my health insurance has lapsed,could not pay premium due to lack of money, hdfc cc toldme to buy new policy, my 5 year old policy got lapsed, so should i go fo new policy, what are the rules regarding lapse of policy plz explain,thank for the video ❤

[@Up4Updates]

Contact me directly @8850272062

[@Papa_ji_786]

Sir could you tell me your monlthy premium and age and your sum assured

[@meetsavkare]

@Papa_ji_786 premium 22894/- yearly,age 40 ,wife 30, cover 10 lakhs optima restore

[@benlyngdoh601]

Hi, are you sure there is no room rent capping for suites in Optima secure plan?

[@Up4Updates]

Yes

[@benlyngdoh601]

Thanks

[@vibhor691]

Bhai ek baat batao ye insurance claim krne me problem to ni ayegi na?

[@homeremediesforpsoriasis6257]

Your left hand is requiring a good health insurance...

[@ghanshyamyadav1981]

😂😂😂

[@palashpage29]

😂

[@God-is-love-]

😂😂😢🎉😂😂😂

[@mohdrizwanullahkhan1511]

The repetitive circular motion of his hand

[@aparnar643]

Hi my father diagnosed with tumor since one month and done with the surgey. Does hdfc ergo offers claim for admissions and chemotherapy??

[@Up4Updates]

Yess if you already have hdfc insurance

[@AR-82]

Diabetes 6-7 saal purani hai. Kitne ki loading lagegi HDFC ergo optima Secure mein ? Policy directly company se lu ya policy bazaar se ya agent se ? Kis se lena best hota hai.

[@AnilPrajapati-fz5ti]

don't go for HDFC then bohot mehnga padega aapko

[@harishussain1465]

Optima secure covered robotics surgery ?

[@Up4Updates]

Yes upto sum insured

[@mohankumarm9430]

Is it not include secure benefit and ncb? Then what is the use of secure benefit?

[@shivkrishnapandey1018]

​@@Up4Updatesmodern treatment is nowhere mentioned in policy document

[@deepika658]

​@@mohankumarm9430Secure benefits is also your Sum insured only, they have mentioned upto Sum insured not Upto basic sum insured, that means your Sum insured is included your secure benefit+ no claim bonus also

[@PrasunHalder]

Does hdfc ergo covers Lasik Surgery ?

[@Up4Updates]

In general it does not covers…. But if you have some conditions then with proper prescription by meeting t&c of plan it covers👍

[@gs8589]

why are you drawing 8 with your left hand? Is it some kind of hidden sign to the viewers?

[@nationfirstnationfirst]

Kya waiting period dubara se start hota h policy port krwane pe

[@thanos1395]

Sir Optima Secure me Critical Illiness add on nhi karwaya hai. To kya wo 51 Critical disease me se koi disease hone par cover nhi hoga ?

[@Up4Updates]

Hoga....

[@devmandi4096]

Loot liya

[@jyotirmaybiswas2839]

Hello dear...I have this policy from last year and next renewal on September '23. Shall I continue or not?

[@Up4Updates]

Its a good policy….if you can afford high premiums in future then continue or else get my personal insurance advice 😊👍

[@gajananpatil1766]

Konsa policy betear rahega

[@AjayUbale-x1b]

Thanks 🙏

[@sapss3923]

If i purchase HDFC Ergo, immediately cashless will apply ? What is the waiting period for new plans

[@Up4Updates]

There is 0 waiting period to get cashless treatment but there are some waiting period for some treatment that need to be considered

[@Pandeykidney2023]

Bhiya meri kidney transplant huyi hai to mere liye kon sa hoga

[@komalsaree-bittu5]

Optima secur plan me agar critical paitaint hai too waiting priyad kya hoga, or 10 lakh me singal admi ka kitna hospital kharch dega one time me. Plz reply

[@Up4Updates]

For critical patients no company will give insurance

[@bubunlai2666]

Dengue malaria cover or not

[@Up4Updates]

Yes covered after 30 days

[@vm4992]

Bro maine suna hai agar 5Lakh coverage ki policy hai lekin agar room 10000 wala leliya toh sirf 50% he claim hoga total hospital bill kaa ? Bade bade youtubers sab bol rhe hai kya optima secure me bhi esa hota hai?

[@Up4Updates]

Nhiiii

[@Catlove2580]

Post disease declaration like sugar BP kar sakte hai ya nahii?

[@Ashusharma0018]

Kar sak ta ha

[@rajarshi1231]

Hi. Main apne aur apne wife ke liye ek 1 CR ka health insurance le Raha hu. Mere paas pehle se hi corporate insurance hai. But ye insurance apne future ko secure karne ke liye le raha hu. Confused between hdfc ergo optima super secure and niva bupa reassure 2.0 . Aapke hisaab se kaun sa better hai?

[@aliptasom7734]

Hi Sir - which one you chose and why? Niva Bupa mentions no copay but not in policy wording doc your thoughts?

[@AR-82]

Choose ergo.

[@akshayshetye8718]

1cr.. bhai ambani ho kya

[@navneetsankhla6745]

I have injured my hand and some doctor are saying for surgery and some are not advising surgery, so what if i wanted to do surgery and i dont have any medic-claim and what if i do medic-claim now and in some months i go for surgery ,which health insurance you would recommend ? Please help me

[@Up4Updates]

No insurance will cover this pre planned surgery

[@kuldeepnegi-xi2uw]

​ Why, If the processor has prescribed and surgery has happened under day care then why it has not been covered? It must be

[@chandrashekhardabhade1123]

Sir Will there loading on premium when we do claim

[@Up4Updates]

No loading for claim in near future

[@Shivamdrolia-i4h]

I want to buy health insurance policy, i have doubt as which one to buy for my family, 1. Icici health advantage or hdfc ergo optima secure. ?

[@108harinaam]

Did you find any? As i am also looking and confused

[@AlexSamIssac]

Go for HDFC optima secure for hustle free settlements. But premium will be expensive than its competitors

[@motivationalmantras6084]

Bhai ma 5 lakh tak kon si policy lu, age 30, only require for me.

[@Up4Updates]

You can call me directly

[@RohanKumar-m1m]

Is opd covered in optima secure?

[@Up4Updates]

No it is not covered separately if planning to take policy online then get my free No cost personal advice

[@rajaniarora375]

​@@Up4Updateswhat is your no?

[@arthurshelby3593]

Hdfc increases premium 1% every year, why did you not disclose it?

[@Up4Updates]

It is not true HDFC increases premium higher then that…. there are lot of factor which leads to increase in premium other then you have mentioned

[@arthurshelby3593]

@@Up4Updates This I am talking about the inflation hike in the premiums. One of their agents told me instead of increasing the premiums all at once, they increase 1% each year.

[@thakur4145]

My premium was reduced from last year since I didn't use any claim during last year

[@karthicksubramanian1836]

Don't go for HDFC ergo as they promote the same 10L plan of other companies as 5L plan and give instant x2 benefits. Also, because of this strategy, the restoration amount and no claim bonus are reduced by half.

[@ramrajupeddinti7224]

Who told about this, have you experienced in HDFC ERGO, don't tell without Knowing anything.

[@karthicksubramanian8984]

@@ramrajupeddinti7224 just go and compare the star health comprehensive plan for individual. Better you go and study the numbers first.

[@nationfirstnationfirst]

May be, but claim settlement is very fast without any unnecessary investigation

[@debustechguide8605]

That's not a reason for not buying. Claim settlement kitna hai e matter karta hai naki 2/3 k kam zada lage policy mein ya 5 l ko 10 l kar ke beche ya kam bonus de koi fark nehi padta

[@JaiHanuman9936]

​@@debustechguide8605claim milna jaruri h..faltu ka investigation acha nhi lagta h..

[@sagarjangam5339]

which is better care supreme or hdfc optima

[@Up4Updates]

Depends on your requirements and health condition. Also you can directly take my personal advice

[@srinividya9868]

Care supreme is better here. Just mere of some xtra amount you will get 600% bonus.

[@mahenderkumar1984]

Care has a new launched plan is good care supreme with 600x no claim bonus but star also launched a new plan health assure with all consumables are cover without any extra charge

[@JaiHanuman9936]

​@@mahenderkumar19846000% bonus de do..kya fark parta h..jab claim dene mai itna problem h

[@shivajirao9580]

The claim process is very bad. No response from the call centre if you call them they will say they need 15 days to claim. I have submitted for reimbursement it's already 25 days over. Now also they will say they need another 15 days. Don't promote care health insurance.

[@srinividya9868]

Dear don't say like that MGR OR ADVISOR NOT SAYING COMPLETE INFORMATION.

[@Yakridu_Anna]

Title shows Co. is foolng you. Misleading 👎

[@questionmark8647]

Premium every year increase hota hai kya

[@Up4Updates]

Yesss....

[@questionmark8647]

@@Up4Updates kitne se

[@yogesh1a5]

HDFC ERGO optima secure is the worst policy, they have denied my Accidental claim, only on ground that why didn't you get operated on the same day of Accident, but the doctor advised it to be after a month to come down edema.

[@MohanSingh-wt8jk]

Mene insurance karaya apdet nahi huya he pesa vi gaya

[@Up4Updates]

What happened let me know in detail

[@youtubeking2686]

No cap on room rent sub limit matlab koi bhi premium room le sakte hai kya without coopt

[@Up4Updates]

Yess

[@paperdragon48]

​@@Up4Updates I think 1 percent of sum insured

[@MohanSingh-wt8jk]

😢😢😢😢😢 pesa vi gaya

[@badtrip947]

Suit room is pronounced as SWEET room 😅

[@Up4Updates]

🤣🤣🤣

[@blockjind]

Those can't afford buy its on no cost emi

[@brijgoenka6905]

Bhai policy wordings padh ke video banaya karo.... Saaf words me likha hai tht restoration benefit amount ll be activated after partial or full use of base SI irrespective of plus and secure benefit usage... So 1st year its 3x 2nd yr 3.5x nd 3rd year 4x....stop misguiding ppl

[@Up4Updates]

Mere bhai its 2x first year if SI gets exhausted partial/ full you can utilise 1x restoration more but upto SI . misleading part is 3x cannot be used in one claim its 2x then 1x separately ( restoration then to upon T&C) may be there might be mistake in video but this one is correct.

[@brijgoenka6905]

@@Up4Updates bhai restoration benefit always kicks in for the 2nd claim and nvr fr the 1st claim... Its a standard thing across brands...nd hdfc ergo nvr said 3x for a single claim.... But total coverage of 3x and 4x...reassure 2 ke video me bhi u hv gven wrong and misleading info bout recharge benefit... Us video me bhi maine kya galat bola hai comment kiya hai... Aise public ko misguide karige toh kaise chalega

[@kuldeepnegi-xi2uw]

Clarity - Restoration benifit never works for the same hospitalization and will restore for the next hospitalization if any within the policy year.

[@pradipmulgir2332]

Very bad insurer company, try to claim then you will know

[@rameshbhopale8691]

Settlement ratio is Bogus

[@Up4Updates]

Yes😅😅

[@IAmHitya]

Optima Secure is a type of insurance that has better benefits than Optima Restore. Surprisingly, the cost of Optima Secure is less than Optima Restore. This is a bit like when you said that Care company is not completely honest because they make new plans seem better by making them cheaper, even though they have more things included compared to the old plans. Now, it seems HDFC is also doing something similar. They are making their new insurance plans cheaper, even if they have more good things, just like Care. Why aren't you showing the truth about HDFC Ergo? Why do you always say good things about it?

[@Up4Updates]

Thank you for taking effort to right this….. i can understand you your view but let me clear. HDFC is not at all cheap if you see clearly then you will get to know that the premium you are seeing is with deductible 25k /50k if you want to remove this deductible then premium is more then OPTIMA restore. Also my intension is always to give unbiased opinion also i am not at all affiliate to any particular insurer✌️

[@vaibhavpatil3471]

Bro Optima Secure premium is showing less than Optima restore because the secure plan amount is with 25k deductibles by default on Policybazaar. If you select deductible as zero then higher premium will be shown.

[@dineshbhosle3596]

Bad sarvice HDFC gorup policy ekvitas Bank Pune

[@sawanbebarta2704]

Insurance wala ek baat bol ke bech dete hen insurance or bad me hum kaha bole the esa to kuch nhi likha hai bolte hen

[@Up4Updates]

Isliye toh ye sub bata raha hu🤭🤭

[@prakharagrawal32]

Clickbait

[@Up4Updates]

In what sense????