HDFC ERGO Optima Secure VS ICICI Lombard Health AdvantEdge | COMPARISON *Hindi* | Gurleen Kaur Tikku

HDFC Ergo Health Optima Restore Insurance Plan is a Comprehensive Online Health Insurance Plan that provides comprehensive cover for the entire family.
And, ICICI Lombard's Health AdvantEdge is a holistic plan designed to cater to your healthcare needs at all stages.
In this video, we have compared 2 popular health plans available in the market : HDFC ERGO Optima Secure & ICICI Lombard Health AdvantEdge. We have compared the features, eligibility criteria , premiums of HDFC ERGO Optima Secure & ICICI Lombard Health AdvantEdge.
WATCH OUR VIDEO FOR MORE DETAILS :)
✅ To buy insurance policies, click here - hareepatti.com/contact-us/
✅ ICICI Lombard Health AdvantEDGE Details 2022 * latest* - • ICICI Lombard Health A...
✅ UPDATED HDFC ERGO Optima Secure Details : • REVISED Changes in HDF...
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#hdfcergo #icicilombard #gurleenkaurtikku
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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 17 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

[@johnny_bravo9990]

Why don't you speak in English, I'm watching from Chennai and didn't understand much but still watched the entire video

[@gauravdhakate1625]

hi, I have a doubt, if I port a policy do waiting period for pre existing disease/ surgery still applies? my previous policy I held for 5 years.

[@user-jl9gk2gs6h]

Hi madam you give very nice comparison and analysis but one request, it just a feedback, if you can kindly take regular pause and go slow it will give a more clear understanding of the video. I am from the training fraternity, so just giving a feedback, I really appreciate your videos

[@abhisheksharma-pr3tz]

Madam 5 years se star mein policy thi then previous year hdfc ergo mein port kari lekin is year uski premium increase ho gayi hai kya icici lombard mein port kara lu plz guide me

[@vineet9275]

Hi Mam. Maire Icici Lombard mai 20lakh ki health shield policy hai. 14 October ko renewal ki date hai . Mai such rha hoon ki Niva Bupa mai port kra loon . Kiya maira decision thik hai. Please Reply 🙏

[@nikunjkelatkar3282]

Which health insurance is better one where Every year premium increase hoga or second one where Every 5 year slab me isme diff ky hoga as compared to premium

[@jeetbania4452]

If liver transplant is done in any case will the person not received the total cost benefit of the whole operation.

[@HemantSharma-tz5gb]

Hi mam, mene icici healtadvantedge policy liya hai with critical illness rider but mai consfuse hu with this rider wording app isko simplified word mai explain kr dijiye please agr mai rider use kr leta hu and lumpsume le leta hu then in future mai kisi or bimari ya same bimari se hospitilized hota hu to mera jo base SI hai uska mai use kr paunga ki nhi ya mera claim reject hoga and ye rider work kese krta hai Thanks

[@kothapallipavan]

Hello mam my right is blind by birth. Do i eligible to take health insurance ? please answer to my query. Thanks

[@mrpatel8348]

I have hdfc ergo suraksha silver plan Sum assured 3 lakh continue with 3 yrs now I have renewal Priemum 13030 . Can i continue or not continue?

[@gauravtomar2972]

मैडम मुझे डिक्स की प्रॉब्लम है तो मुझे कौन सा प्लान लेना चाहिए

[@piyushvyas9446]

What about "Anywhere cashless" options

[@parvejsolkar123]

Icici me aap premium alag zone ke hisab se de sakte hai, aapko ye chiz policy lete time bolni padegi, aapka obviously thida premium badega...i stay in zone 2 but paying premium as zone 1...so i can avoid any co-pay

[@cutiecouplecheekybubble]

My baby is 18month and I buy icci Lombard Can I avail benefits from day 1 or is there some waiting period

[@bhaskarnaugain5762]

Hi I can’t find coverage for modern advance treatment like immunotherapy and oral chemotherapy in optima secure policy wordings . Is it covered ? Also does optima secure plan covers robotic surgeries ? Can you please confirm

[@GurleenKaurTikku]

Yes, Modern treatments and robotic surgeries are covered.

[@ErKartik91]

Is Critical illness benefit included in Optima Secure ?

[@banojakumarmishra6713]

Very nice lessons 👍👍

[@GurleenKaurTikku]

Thank you so much jee ✅

[@tathagata35]

So beautifully explained

[@GurleenKaurTikku]

Thanks a lot 😊

[@rahul_spawar]

icici representatives claim that they have 99% claim settlement ratio, Why so?

[@niteshvadher9467]

Very nice thank you

[@GurleenKaurTikku]

Thank you jee 😊

[@neerajgupta9202]

Premium increasing slab in ICICI Lombard is 25-35age same premium then 36 to 45 same and thereafter 5-5 year premium slab and Non- consumable rider is additional in ICICI LOMBARD coat Rs. 448 only not much expensive 68 items covered under it and also ambulance charges is covered upto 5000rs. Per event

[@Thirsty_fox99]

what is it for HDFc and which one is better ??

[@NIRVEEK3]

Can you please help us put between star comprehensive vs health advantedge apex plus comparisons with accurate data.

[@GurleenKaurTikku]

sure, thank you for the video suggestion. We will try to bring up a video soon !

[@randomstuffsofdayandnight]

Ma’am aapke video me bohat sare add ate h. BTW very informative video.

[@GurleenKaurTikku]

Thank you jee, also ad KZbin automatically add kardete hai !

[@bychandramasarma8711]

Ma'am, is there any maternity health insurance plan with waiting period of 6-8 months? If no. of premiums is required more, then also please suggest.

[@GurleenKaurTikku]

Minimum 9 months waiting period is there

[@bychandramasarma8711]

@@GurleenKaurTikku okay...pls suggest Ma'am plan for 9months waiting period

[@movie4dilip]

Good comparison

[@rajugopale4651]

Nice explanation.

[@GurleenKaurTikku]

Glad it was helpful, Thank you 😊

[@use-q5b]

Family sheild pe video banao please

[@divyeshmakwana3578]

Good Videos... I have been a subscriber since 9000, I want to know which Indian health insurance plan is best for overseas while studying abroad ? & How will Travel Insurance & Health insurance are different ? Thanks.

[@GurleenKaurTikku]

There are specific travel insurance plans avaialble for students- you can check out. Health insurance will only be restricted to India

[@biswajitkalita6702]

Thank u

[@dipen0527]

I demanded the comparison . Thank u maam

[@GurleenKaurTikku]

Thanks for the video suggestion 😊 Keep Watching !

[@manaskumarpanigrahi4826]

For Icici lombard, I want to take it for my parents having ages 61 & 56 respectively. I want sum assured for 10L... I much premium will be for 1 year??

[@paramtomar9775]

Around 25-30k

[@rishabhsolanki8033]

Much productive vedio

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@pujanjain4608]

Premium will increase by approx how much % ? Also is it viable to move to secure from restore?

[@GurleenKaurTikku]

Depends on the age, however it will increase by approx 3-5%

[@vd9615]

@@GurleenKaurTikku please one vid on kotak, there is no single review available on KZbin

[@salmanansari7886]

Mam please make a detailed video on niva bhupa vs Hdfc Ergo which will be better ..?

[@GurleenKaurTikku]

Hi, we have already made a few comparisons video on the same. Please check these links : kzbin.info/www/bejne/iYLCeHulfqeggM0 kzbin.info/www/bejne/oJKphoKwbLagp5I Thank you

[@jeeturokz]

Mam 50 lakh cover in HDFC ergo will allow us to use deluxe rooms?? Pls guide

[@GurleenKaurTikku]

Yes, you can opt for any room

[@prasantaadak5576]

please tell me which copany health insurance is best right now on all basic situation

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options. Keep watching !

[@Aabara_ka_dabara]

I want to buy policy for my parents , with ped. I'm confused between Hdfc ergo or icic lombard. Which one should i go for?

[@pranabprince3935]

ICICI Lombard is best

[@saurabhsoni2342]

Hello mam I m confused between tata medicare and hdfc optima secure I can't decide witch one is best for me Pls help me My age is 31 years and my wife age 29 years

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you in choosing a suitable plan.

[@amardeepsingh1176]

is Optima Secure HDFC good for parents ,my father is senior citizen and mother is not yet ..If i want to take for both together should i take family floater or individual .Any other company suggestions for Parents considering their age factor?

[@GurleenKaurTikku]

The maximum entry age is 65 years in HDFC optima secure. You can take family floater , opt for a higher coverage. For specific plans and discussion as per your needs, you may reach out to us at 9650706699

[@aniruddhapramanick5110]

Claim protector is inbuilt in ICICI Lombard Health advantage. Kindly check. Even in your compassion video with health shield you mentioned that. Info changed in this one.

[@vikasdhiman3397]

she is right... it's a rider now in 2022 plan. earlier it was inbuilt in 2021 plan

[@Praveenkumar-8889]

Madam please do a vedio regarding care classic vs care plus health insurance

[@GurleenKaurTikku]

Thanks for the video suggestion. We will definitely try to work on this & post a video soon 😊

[@shrutikul]

I am 40yrs old diabetic patient. Right now i am a HDFC Ergo Optima Secure User. I have finished 1yr of waiting period 2 more yrs are left. Should I shift my optima secure plan to HDFC Energy plan? Or should I renew my optima secure policy only? Also is ICICI Advantedge Apex plan better?

[@GurleenKaurTikku]

Depends on your requirement, if you want early coverage then you can shift to energy else continue with the same plan

[@shirintalwar2033]

Which is a better policy Optima Secure or Optima super secure since it’s the updated version - need your input 🙏🏻

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699.

[@nishantsinghania_27]

Can you please make a video differentiating tata medicare premier v/s icici Lombard advantage edge health insurance

[@GurleenKaurTikku]

Yes, sure We will bring a comparison soon!

[@nishantsinghania_27]

@@GurleenKaurTikku ok mam.actually my current plan is due for renewal at the end of may..so was eager to opt a plan among these two..A quick video will surely help me & many more..thank you!

[@shubhamsachan6419]

Please compare hdfc optima secure, optima restore, navi health insurance plans for an individual as well family floater

[@GurleenKaurTikku]

Sure, will make more such comparison videos in the coming weeks. Thank you 😊

[@rahuldevchauhann]

Mam mujhe v lena hai sbse bst konsa hai

[@archanabhatkamat3719]

Ohh thank you

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@somritmallick2843]

Mam, my father is 54 mother 50(has PED BP) which is the best health insurance for me- hdfc or reliance?

[@GurleenKaurTikku]

HDFC Ergo & Niva Bupa Reassure has great features. For any queries, connect with us on WhatsApp/Call at 9650706699. Our team will be happy to assist you. Thank you

[@somritmallick2843]

@@GurleenKaurTikku but mam niva bupa has bad reputation in cashless claim..many suggested not to buy niva bupa as they has the worst customer support services

[@GurleenKaurTikku]

@@somritmallick2843 If you are honest with your insurance regarding the medical history, no one can reject the claim. If you buy the policy through our company, you don't need to approach the Niva Bupa Company customer service at all. Our team will help in all the claim assistance , you just have to fill the form carefully & with full honesty. Thank you

[@AjitKumar-fl7du]

Hi Ma'am, Thanx for providing useful content. I have one query- I am having HDFC ERGO Optima Restore family Policy( Member's age- 37, 30, 5 ,1) and sum insured is 15L and policy renewal is pending next month. To renew it of next two year amount is ~63K. Is it worth to continue with Restore or should I shift to Secure with same insured amount or less~10L kindly suggest. Pls do Guide me which one is good to have Secure or Restore. If I port to Secure, whether all the existing No-restriction will remain same as my Restore policy is 5 Years old.

[@GurleenKaurTikku]

Ajit jee, you can consider shifting to restore. It is advisable not to decrease the sum assured, also please check with company for continuity of No claim bonus before migration and take your call accordingly

[@AjitKumar-fl7du]

@@GurleenKaurTikku Hey Ma'am, Restore policy I am holding as of now, planning to move to HDFC Secure policy.

[@haryanagaming8028]

Hello Madam, its a humble request to you for make a detailed comparison video on VIDAL HEALTH INSURANCE and Probus health insurance company. All the very best for your good hard work 👍

[@GurleenKaurTikku]

Thank you for the video suggestion ! Keep Watching 😊

[@haryanagaming8028]

Please keep making very informative videos 😊

[@ankeshmaheshwari5076]

Hahaha

[@rabindrasarangi8426]

Mam I am newly married which is better insurance company for me and my wife ( HDFC ERGO OPTIMA SECURE / ICICI LOMBARD HEALTH ADVANTAGE PLAN ) ??

[@GurleenKaurTikku]

HDFC Ergo Optima Secure is a great option but we would suggest you to share more basic information with us like age, location , medical history. You can contact us on WhatsApp/Call at 9650706699 Our team will be happy to assist you. Thank you

[@rabindrasarangi8426]

My age 31 my wife age 26, location State.Odisha city.Bhubaneswar and no medical history

[@schatrg]

Please make a video on SBI Arogya Supreme health policy.

[@GurleenKaurTikku]

Hi, this is already available on our channel. Please check this link : kzbin.info/www/bejne/pYrEnZKPhL57jqM Thank You 😊

[@schatrg]

@@GurleenKaurTikku thank you ma'am. Much appreciated. 👍

[@mahikpawar7413]

Mam muze BP ka Problem he, muze konsa Plan lena Chahiye.

[@GurleenKaurTikku]

Please check this video : kzbin.info/www/bejne/q6CVmYuhaJiWrZo Thank you

[@shivamsrivastava2447]

What is upto harvesting in organ donor transplant?

[@GurleenKaurTikku]

Organ donor transplant has several stages & most of the health insurance policies cover upto the Harvesting Stage. Thank you

[@shivamsrivastava2447]

@@GurleenKaurTikkuThanks for your response... what is meant by harvesting stage?

[@banojakumarmishra6713]

Jay Sita Ram guru cjku

[@vivekdhondi427]

Madam wat about Optima restore

[@GurleenKaurTikku]

We have a few videos available on our channel for Optima Restore as well. For more details, you can check this video as well . LINK : kzbin.info/www/bejne/aHXbfKmVbNZ6lc0si=b-GyhjcYogocrR8J Thank you & keep watching !

[@kailaspisal]

Madam optima secure me secure benefit ke bare me bataya nahi aapane

[@RohitGargGameZone]

Nai byatege bcz paid h i was a fan of channel then suddenly seen their favor towed niva bhupa now lombard

[@GurleenKaurTikku]

Yes, secure benefit will cover 2X from day one in HDFC secure. Detailed videos on these plans are also available on our channel, you may refer the same.

[@GurleenKaurTikku]

@@RohitGargGameZone This is an informational video comparing two plans for the benefit of all.

[@amolsapkale2453]

Best plan for senior citizens video ?

[@GurleenKaurTikku]

You can check this video : kzbin.info/www/bejne/eWqxk2evZr9rrbMsi=59gh6rvrnNHTa30t For any queries, we are available on WhatsApp/Call at 9650706699. Our team can assist you !

[@amolsapkale2453]

@@GurleenKaurTikku Madam I have already watched this video. But it's one year old video. Can u make new video on this topic ?

[@saravananr1678]

Any plans where in I pay a constant premium for life time??

[@pritamdebnath703]

There is no Health Insurance where premium will be same for whole life time. If same then initial premium will be high.

[@keyurrughani3687]

Mam, What is the waiting period for maternity expense

[@GurleenKaurTikku]

2 years in ICICI Lombard advantedge

[@riteshgupta4434]

Madam apne konse company ka insurance lia hai

[@GurleenKaurTikku]

Niva Bupa Health companion - Family Floater

[@NikhilPatel-bq7ck]

​@GurleenKaurTikku You have been making the videos but never discussed the customary clause, how insurance companies are taking advantage of it to reject or partially approve claims. People have lot of faith on your channel don't you think they really deserve to be aware of the biggest loopholes that companies are been taking advantages of.

[@GurleenKaurTikku]

Hello jee, really appreciate your feedback but yes, we have a similar video on our channel where we have discussed about these clauses. Please check this link : kzbin.info/www/bejne/sGWriHWOpZmNi6ssi=zvgvgwWvUT_-H4zM Also, we always request our viewers & customers to always read the policy document before buying any policy.

[@mrkunal594]

Modern treatments???

[@GurleenKaurTikku]

Covered in both the companies upto SI, these are advanced surgeries

[@mrkunal594]

@@GurleenKaurTikku mam icici k policy wording me mujhe modern treatments ka clause nhi dikha kahi bhi!!

[@varunkumar9806]

As you are saying optima secure has room rent limitations for below 50L cover but as I discussed today with HDFC ergo agent he is saying even if you take optima 5L cover there is no limit, you can choose any room,all covered. Plz help me by verifying is he lying..

[@GurleenKaurTikku]

Varun jee, yes room rent restriction has been waived off after 21st oct 2022

[@sunny2809]

There is no limit on room rent but there is limit on room category. For SI less than 50L, we can avail upto Single AC private room . This means suite and above are excluded in this HDFC ergo policy

[@GurleenKaurTikku]

@@sunny2809 This has been changed after 21st Oct 2022 , pls refer the video below kzbin.info/www/bejne/iYm0nIytnb9qgJo

[@sunny2809]

@@GurleenKaurTikku Thanks a lot for clarification and prompt response 👏

[@sunny2809]

@@GurleenKaurTikku Mam, is this update valid only on new policies or even for Portability cases?

[@ashutoshpandey6252]

5 lakh hdfc optima secure with 3x benifit become 15 lakh premium 32000k ICICI Lombard Advantage 24000K premium For 10 lakh S. I Which is good for me for 5 member age 39 y 36 y 11y 9y 4y

[@GurleenKaurTikku]

Hello jee, For any queries , connect with us on WhatsApp/Call at 9650706699. Our team can assist you with premiums and a few more suitable options ! Thank you & keep watching !

[@omprakashsingh3280]

मैडम जी में पालिसी पोर्ट करता हु तो मुझे क्या लोस्स होगा. प्लीज हेल्प me

[@GurleenKaurTikku]

You can port the policy if it meets your requirements. Please check this link : kzbin.info/www/bejne/e2rbd2Nqra13q80

[@Ashwinsoni300]

Hy mem

[@ajayhansdak4354]

Claim hota hi nahi hai

[@ananyaganguly1924]

Kisme??

[@varshamahour9540]

Icici lombard is best 👌

[@GurleenKaurTikku]

😊😊

[@vaibhavmunde24]

Best konti hai

[@GurleenKaurTikku]

It depends on your medical history & requirements. If you want any assistance, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you !

[@Iamitchaudhari]

Optima 2x 4x benefits I think you forget this and non consumable item also covered .. lack of knowledge.😊

[@ManojKumar-zu7zx]

HDFC secure ka ,10lac and and ICICI ka 20lac ka insurance ne compare me ICICI ka sasta hai. HDFC bahut costly hai

[@GurleenKaurTikku]

Ji, but we would only request to buy a plan that meets your requirements. Do the right due diligence before buying the plan. For any assistance in buying the policy or choosing a suitable one, connect with us on WhatsApp/Call at 9650706699.

[@divyanshkulshrestha8511]

Medam, Mai apne father ki HDFC ERGO OPTIMA RESTORE family floter policy main hun 5 saal ho gaye koi bhi claim nhi liya hain. Now i am in tha age of 26 Ab mai apni individual policy ko niva bupa m port krwana chahta hu .... Kya aisa krna sahi rahega..???

[@GurleenKaurTikku]

Jee, apne liye separate policy lena better rahega

[@ajayhansdak4354]

Claim ratio bahut hi kharab hai

[@prasantaadak5576]

suggest me

[@nitishpandey7777]

ICICI LOMBARD 🔥🔥💯

[@GurleenKaurTikku]

👍

[@pradeepborgohain4858]

*kkkk

[@sanya.dancerock]

Pls do a video on good health insurances for maids and drivers for approx 1-2 lakh cover. (Apart from govt Yojna) Mainly- less premium, easy claim, less tech process

[@GurleenKaurTikku]

Sure, we will try to bring a video soon !

[@sureshaircel3754]

Optima Secure policy with the following new features which will be effective from 21st October 2022 under UIN - HDFHLIP23123V022223 allotted by the Insurance Regulatory Development Authority of India, IRDAI. No room rent capping - The feature on no room rent capping will assist customer in reducing their out-of-pocket expenses and further give freedom to customer to select the hospitalisation room of their choice. Pro rata cancellation - With this feature you will pay for the exact number of days you were covered under the policy even if you choose to cancel the policy mid-year. Earlier you could cancel your policy on short scale basis. Deductible buy-back - Allows you to reduce or waive the applicable deductible once in the lifetime of the policy and after completion of five continuous policy year within this policy (with deductible option).

[@Indiamaisabchorhai]

Don't buy both 😂 live life 100years back

[@pradeepborgohain4858]

*kkkkk