HDFC ERGO OPTIMA SECURE VS OPTIMA RESTORE | HDFC ERGO OPTIMA SECURE

[@Data.scientistt]

I have watched many videos but yours is detailed and to the point. You should also include exclusions what these policies don't cover.

[@gameofinsurance]

Hi thanks. As the exclusions in both polices are common therefore I did not include. Will make a separate video in that.

[@sushantmittal8075]

Really a nice comparison video. Looked like a corporate presentation. This is how comparison should be made, not just by stating everything in numbers. I would request for one more comparison: If one takes 5L secure, and 10L restore: how the net SI and premium would line up.

[@gameofinsurance]

Thanks you sir. Such comments give much needed motivation. Will try to compare both plans for the mentioned sum insured.

[@garimasingh2506]

@@gameofinsurance Hi Sir. I have 1year Optima Restore Policy of 10Lakhs which is going to expire soon. Can I go for the renewal of the same Optima Restore Policy ? or Shall I buy Optima Secure Policy after expiring Optima Restore ??

[@gameofinsurance]

@@garimasingh2506 see optima restore is also a good policy. Optima secure will give you additional coverage but that is costly too. Optima restore is decent policy and good thing about hdfc ergo is they don’t generally harass at the time of claim payment if claim is genuine. So just be at peace with your current policy.

[@garimasingh2506]

@@gameofinsurance Thanks for the valuable information Sir. But 1 thing I want to discuss, its shocking to see that the Premium of Optima Restore Renewal Policy is now Rs 14,120 for 1 year for 10 Lakh Policy. Whereas the Premium for Optima Secure New Fresh Policy of 10 Lakh for 1 year without Deductible is 14,700Rs and the premium with Deductible of 25k is 11,050Rs for same 10lakh policy. Optima Restore is not cheap anymore. Last year I have paid 12,800Rs for Optima Restore 1 year Policy that too without any Rider.

[@gameofinsurance]

@@garimasingh2506 may be they have not revised secure premium. Once they revise it. It will definitely be more than restore.

[@deepk82]

Kuch alag hai yeh video! Great job my friend! Subscribed and liked!

[@gameofinsurance]

Thanks you bro. I am not a regular you tuber but whenever I get some time I make video. Try to make it simple and comprehensive. Comments like your motivate me to upload more such videos. Thanks 🙏🏼

[@deepk82]

@@gameofinsurance appreciate your time and efforts.

[@kalubalu3702]

Hi, in HDFC optima secure whether they increase premium enormous or it's stable for the age slab? 5-6% would be ok. I am planning to shift from an existing health suraksha silver plan of 3L SA to optima secure with 5L SA.I am at 51. Existing premium shoot up direct from 15k to 25k with no restoration. Hence better to shift to the restoration plan of 5L instead of taking Top up to the existing plan. Premium will be nearly the same as if taken top up. However in secure restoration with lots of benefits. Please advise if any. Thanks!

[@gameofinsurance]

You can migrate to secure plan. Premium May be increasing due to change of age slabs. Moreover insurance companies also revise premium based on medical inflation and overall claim experience of particular policy. So nothing can be said with certainly except that the secure plan and overall HDFC ergo are good.

[@pankajsrivastava972]

Thank you sir … 😊 bahut easily aapne samjhaya

[@mohitmahajan3995]

Hi sir which company is best for health insurance star vs hdfc ergo

[@gameofinsurance]

Good question bro. You have asked about company not just policy. HDFC do less scrutiny during claims therefore creates less problems. Rest both are private companies and experience may vary for each individual. Star offer more choices in policy but claim payment attract more scrutiny. Hope it helps

[@duttagour1521]

Really, great detailed information.Above all I like your polite voice.wish u all the best.

[@gameofinsurance]

Thank you sir

[@nihaljoshi]

Hello, If any person get diagnosed with any disease like thyroid or diabetes after 1 year of policy issuance then what happens? Do we need to inform to company for it?

[@gameofinsurance]

Dear sir/mam. However it is not mandatory as per your policy terms and conditions but telling your insurance company is always better for hassle free claim experience.

[@sanjayjadhav3054]

Sir. Is diabetes covered in optima secure if not What will be waiting period. I am 29. Detected diabetes 2. Which policy you suggest.

[@gameofinsurance]

connect on @gameofinsurance Twitter.

[@macky965]

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

[@gameofinsurance]

Optima restore

[@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?

[@gameofinsurance]

No it is not carried forward.

[@deepalibharankar8335]

@@gameofinsurance Thank you sir, and on renewal it will start from new secure/plus benefits? and is buying policy online is good as it gives 5% discount each year?

[@saimanojchandramahanti4653]

Sir, 2A+1C (Adult age 32,29 & child 3 years) from VISAKHAPATNAM which one is best...HDFC optima restore or Young star silver?

[@kashinadhch4587]

Go with optima restore

[@rishabhkesarwaniphotography]

V nice video with clarity in explaining. Thanks

[@sharatmarar]

Very impressive and to-the point comparison. Thanks!

[@gameofinsurance]

Glad you liked it!

[@debapommitra2017]

Moder treatment optima secure Mai available hai?

[@hitesh155]

You missed one detail in Optima secure. There is copayment for first claim per year in optima secure for 25k or 50k or 1 lac, more the amount lesser the policy premium which looks kind of compromise

[@gameofinsurance]

That is called deductible. You can chose the deductible amount and higher the deductible lesser will be premium. As this is an optional cover and not a good term that’s y I did not include. This should not be opted as 80% of claims are up to 1 lakh. Now suppose you chose 25k deductible. You have to pay 25k of 1 lakh claim. Which is too much. Therefore these deductible should not be opted.

[@shahaatif9497]

Sir should i go with hdfc restore or any other company's health insurance...according to you which is best

[@gameofinsurance]

Hdfc secure is best not restore. If jii want to buy from hdfc only. Star comprehensive is better than hdfc secure. With opd and maternity cover. If you require that.

[@shahaatif9497]

@@gameofinsurance sir thanks for ur reply Last thing i want to know how to buy optima secure plan should i visit their branch

[@priyathomas997]

@@gameofinsurance can u compare star comprehensive and optima secure

[@handsomeheart2000]

In restore there is no room capping, and one can choose any room . Also what is better restore or secure ...as in restore premium remains same for 5 years but in secure it increases every year

[@gameofinsurance]

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[@Thamima04]

Cristal clear comparison and explaining...👏

[@gameofinsurance]

Thank you. My Twitter address for any query twitter.com/gameofinsurance

[@3577lalu]

Brother please make a vedio if we shift from re-store to secure after one year how it will be beneficial and any loss.?

[@gameofinsurance]

You can switch there is no loss except you have to pay additional premium. Waiting periods are same and one year restore policy will be counted for secure waiting periods. I hope you got the point.

[@3577lalu]

@@gameofinsurance Thanks Bro; in some deceases have waiting period of 1 to 3 year. if we shift after one year during renewal (re-store to secure) how the waiting period calculation. if No claim is done in first year, waiting period calculation will start from first year policy (re-store) date of purchase or that one year will laps if policy change from re-store to Secure.?

[@gameofinsurance]

@@3577lalu if you have restore policy for 1 year and then you switch to secure. after three years all the declared pre existing diseases will be covered. that one year doesnt lapse but counted in total 3 years.

[@ankankishor]

Thanks for sharing genuine information

[@ravishankar-bc4jg]

Sir am very confused to select Health Insurance for me between Star Health and HDFC Secure. Had seen lots of negative comments about star Health claim settlement but not in HDFC. Could you please advise which policy I should choose??

[@gameofinsurance]

Hi sorry for delayed reply. You can go for hdfc policy.

[@ravishankar-bc4jg]

@@gameofinsurance any specific reason

[@ravishankar-bc4jg]

@@gameofinsurance Thanks. Can you help me understand. For 36 year 05 lac SI optima secure . How much is yearly increments in premium during every renewal.

[@gameofinsurance]

@@ravishankar-bc4jg bro it’s difficult. Even if I explain it can’t be certain hike will be that way only. each year insurance companies also revise premium based on their claims outgo. Just check their premium sheet

[@gameofinsurance]

@@ravishankar-bc4jg I have no preferences and no financial interest. You asked I replied. I can’t explain much here. Will delete these messages.

[@ssmcombines]

Sir, Since 10 yrs Iam having HDFC Optima Restore family floater policy for 10L and this year I added a Super Top up plan for 20L. Should I retain this policy or migrate to Optima Super secure. Kindly advise.

[@debapommitra2017]

Retain the policy.. because there is a clause of irda if you stay in a policy for 8 year the policy company will not be able to terminate your claim

[@shivsharma6511]

Sir claim Krne k baad premium percentage increase hota hai ? And normally Ketna percentage increase hota hai premium thank yo

[@gameofinsurance]

No claim k bad premium increase hoga aisa policy me kahin nai h

[@yshah84]

R u sure there is room rent capping in Optima Restore? As per Policy I can opt for Suite also as there is no capping? Pls. Confirm

[@gameofinsurance]

Pls check policy document. No where it is mentioned.

[@kothapallipavan]

I am using Optima restore recently i went for cashless claim their is not room rent capping@@gameofinsurance @yshah84

[@handsomeheart2000]

Hi, Optima Restore premium is fixed for 5 years but Secure premium increases every year, in such cases what is better...as it is not covered in the above video.

[@gameofinsurance]

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[@DataAnalyticsPro21]

I have restore from 5+ years but agent is there. If I opt for secure for multiple years, pay online and have 2000+ premium. Will I get combined discount for all 3 categories?

[@gameofinsurance]

I won’t suggest removing agent just for the sake of saving few bucks. Agent helps at the time of claim. If you are not satisfied with agent only then think of removing.

[@DataAnalyticsPro21]

@@gameofinsurance let's say my agent knows nothing and I had to file for claim online by myself last time. So, if I remove agent in this case. Will I get 5% benefit?

[@gameofinsurance]

@@DataAnalyticsPro21 you should get. However policy wording is little confusing here: “Subsequent renewal of same policy will continue to enjoy 5% discount provided the policy remains without the involvement of any other insurance agent or insurance intermediary” Either they will not give you option to remove the agent while renewal or they will offer you 5% discount. This is what can be inferred from above term.

[@DataAnalyticsPro21]

@@gameofinsurance very difficult or impossible to switch agents. You just get stuck with them for life, unless you change companies

[@ashutoshsingh7191]

Excellent comparison.. well done

[@manishpundir28]

Wow! What a comparison 👍

[@jayantmj5576]

Best video on this topic 👏 👌

[@gameofinsurance]

Thanks 🙏🏼

[@sandeepsaluja1791]

Robatic surgery is covered in optima Secure or not

[@gameofinsurance]

They have not cleared it. No where in policy document robotic surgery or modern treatment coverage find mention. If we go by policy terms it is not covered as it is not mentioned. Still if you have policy or planning to buy just ask them upfront. By the way you can yourself check the detailed document. www.hdfcergo.com/docs/default-source/downloads/prospectus/health/my-optima-secure-prospectus.pdf

[@chirzzzzzzz]

Firstly awesome video and to the point explaination. Secondly I am planning to buy a new mediclaim policy for me and my spouse both ageing 27 years. I have 3 options and confused. HDFC secure, star health comprehensive and Tata AIG Medicare. Kindly suggest the best in terms of claims and premium. Your suggestion will help in my decision. 🙂.

[@gameofinsurance]

Thanks 🙏🏼 Best in terms of claim payment: HDFC Can say much about Tata AIG Best in terms of coverage; star comprehensive

[@jayaramchanda6113]

Good explanation,thank you

[@AnantoGhosh]

Optima restore does not have any room rent restrictions, only optima secure has the single ac room rent restriction restrictions. And in optima restore you can get protect rider which covers non medical expenses, 50% increase if claim was below 50,000 is allowed and inflation is taken into account.

[@gameofinsurance]

Same has been Discussed in the video. Pls check policy document of both polices. All the information are correct.

[@gameofinsurance]

Optima restore has room rent limit- that is maximum single pvt ac room. While in secure you are paid actual expenses if you opt 50 lakh or above sum insured. That is even the deluxe room rent is payable.

[@AnantoGhosh]

@@gameofinsurance I have read the policy brochure and wordings and confirmed with the agent.

[@handsomeheart2000]

Hi Ananto...I too felt the same, there is no room rent capping in restore. Btw I have a restore family floater, due for renewal, what should I opt for...as secure has many benefits , but it has room capping and there is a premium hike every year and in restore there is no room capping and no premium hike..but many other major features of secure are missing. Very confused , can you guide please

[@debapommitra2017]

2022 maybe in November the room rent cap was removed from secure but you can opt upto super deluxe. The major difference after 3 years is 10L.if you have opted protect rider with restore then both are 95%same. Modern treatments are included in restore where in secure brochure nothing mentioned about modern treatments

[@narayshh]

Can I shift from restore to secure

[@gameofinsurance]

Yes. On renewal you can talk to customer care hdfc ergo.

[@pratikraval9241]

Super video

[@Suprbhat]

I am 23 but as i am ageing....my premium will increase ? Case 1: If i renew it continue without break Case 2: if i renew with break ....i means let say after 10 years i go with some other company or same company policy.... After again come to same policy which i used in initial 10 years

[@gameofinsurance]

Premium will increase with age in all health insurance policies. It is not sometimes possible to switch between policies. That depends on acceptance of insurance company. As your age increases insurance companies often deny you health insurance cover.

[@91rahuldesai]

At 6:24 - you have mentioned the secure benefit gives 20L as max payout in one year but it should be actually (10+10+5) which is 25 L. You are correct from then onwards. This is a slight error which you made during narration. Your data is correct. Please let me know if i am wrong or have not understood you. As far as my knowledge goes i think you made a mistake while speaking. Otherwise there is no difference in first and second year Max payout for secure category.

[@gameofinsurance]

Will check. Thanks 🙏🏼

[@perfectjudematt]

All what I want

[@udaykaple6800]

Aware from hdfc ergo officers and company👎👎👎

[@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).