HDFC ERGO Optima Secure VS Optima Restore | Which one is Better ? 🤔 Health Insurance Comparison

✅ REVISED Changes in HDFC ERGO Optima Secure : • REVISED Changes in HDF...
In this video, we will compare 2 popular Health Insurance Plans offered by HDFC ERGO : HDFC ERGO Optima Secure & hDFC ERGO Optima Restore.
We will discuss the Differences as well as the Similarities in both the policies.
The focus is to make your decision making easier & choose the right Health Insurance for you & your family.
your family.
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Watch our Other videos :-
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health insurance , health insurance 2022 , best health insurance , HDFC ERGO Optima Restore , HDFC ERGO optima secure , optima secure vs optima restore , restore vs secure , comparison video, hdfc ergo health insurance , health insurance comparison, health insurance in India , health insurance agents , Optima restore features , Optima secure features , finance , financial planning , health insurance planning, hdfc ergo 2021 , optima secure detailed review , optima restore detailed review , financial freedom , health insurance eligibility , health insurance premiums , insurance tips , best health insurance, health insurance importance , gurleen kaur tikku , cfp , hareepatti
#HdfcErgo #optimasecure #optimarestore #hdfcoptimasecure #hdfcoptimarestore #OptimaRestoreVsOptimaSecure #comparison #HdfcergoOptimaSecuredetails #healthinsurance2022 #hdfcergo2022
#healthinsurance #healthinsurance2022 #gurleenkaurtikku #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

[@venkatabavirisetty4585]

Very informative. Just a sugession. While explaining, kindly display tabular wise features comparison on the screen itself for easy understanding for viewers.

[@GurleenKaurTikku]

Sure, Thanks for the feedback :)

[@ganeshvadcar8098]

Yes, I had same feedback, otherwise rest is good, very informative

[@tushnive]

exactly table daalo madam

[@nitinpawar2798]

Information is good but missed table for comparison

[@sahilgupta3468]

Thank you so much ! Informative !

[@midhun153]

Thank you for this video. Really appreciate it. 😊

[@GurleenKaurTikku]

Glad it was helpful!

[@lakshminarayanang2641]

Thank you so much for the detailed video. It was helpful in deciding the policy

[@GurleenKaurTikku]

I'm glad

[@ankitfirebolt]

Hi Gurleen, very nice video again! Should I consider HDFC Optima Secure small sum insured(like 20L) with a Super Top up plan, or take HDFC Optima Secure 50L? Which would be recommended?

[@GurleenKaurTikku]

Hi Ankit, missed seeing this comment earlier. We connected yesterday over call, shall be discussing with you. Thanks

[@indianbond777]

Extremely good channel, very good presentation. I like the way, you have spent time and provided answers to the comments / questions by others.

[@GurleenKaurTikku]

Thank you for watching & appreciating it :)

[@GurleenKaurTikku]

Thanks jee, I am glad you liked it 🙌

[@sudheenl2917]

Good to see extensive comparison. Thanks for the detailed comparison ij just few min

[@GurleenKaurTikku]

Glad, Thank you so much 😊 Keep Watching !

[@anuragverulkar5914]

Hi Gurleen, thanks for the content. This is what I was looking for. A quick question - have a HDFC ERGO policy - Optima Restore Family Floater for SI of 25 Lakhs. I had paid premium for 2 years and thus far eligible for full NCB as I have not put any claims. While I like Secure, I have the following questions - If I port from Restore to Secure what happens to the Wait Periods, NCB and the Wait period of Pre Existing Diseases. Does the counter starts again? What would you suggest?

[@GurleenKaurTikku]

Hello Anurag jee, Continuity benefits will be given for specific exclusion waiting period and pre existing waiting period. NCB will not be transferred in case of internal portability.

[@anuragverulkar5914]

@@GurleenKaurTikku thank you so much.. What would be your suggestion... Restore or secure 🙂

[@murlima71985]

Thanks for laying out the details of these two policy in a simple manner with lot of clarity, it was very helpful !

[@GurleenKaurTikku]

Glad, you found it helpful 😊

[@mushirrazaqureshi8381]

Commendable knowledge & explanation 👏Thank u mam once again 🙏

[@GurleenKaurTikku]

Thank you for your kinds words, this keeps me going :)

[@rjhaveri8bh]

Mental Health was covered in Optima Restore so I want to know in Optima Secure is it same cover or reduced to HDFC ERGO plan cover.

[@vedantachoudhary3480]

Mam kon si policy best hai

[@ashutoshpandey6252]

Thank you for wonderful information

[@GurleenKaurTikku]

Glad it was helpful!

[@cadheerajjaindelhi4667]

I have optima restore policy since last 8 years pls give me suggestion which policy should we choose optima restore or optima secure policy

[@kalubalu3702]

Hello Ma'am, i am having family floater health suraksha silver ergo plan @3L since 2016. CB @1.2L. Earlier i remember it was restore plan. In which SA was automatically triggered. But I come to know that it is not. Have they changed recently. I was not worried earlier because premium was @15k. However from this year premium shoot up by 10k since crossed 50. Since there is too high premium i thought SA should be at least more. Hope you understand. I want to stick to ergo looking to it's claim settlement. Hence please advise. Thanks

[@dr.balajisurvase3052]

Very informative and useful video thank you madam ji....

[@GurleenKaurTikku]

Most welcome 😊

[@pratikdedhia]

Ma'am one more confusion regarding the deductible, is the amount per policy year or per claim. If I opt for 25k deductible, so maximum I need to pay out of my pocket is 25k irrespective of the number of claims I make that year...?, or is it claim dependent..? like if i have made 3 claims that policy year, I need to shell out 75k.....?

[@GurleenKaurTikku]

So, this is annual aggregate deductible which means only once a year, it needs to be paid in case of claim.

[@vb22march]

Hello Gurleen, compliments on presenting a very clear and crisp comparison, great and to the point content. I have Manipal Cigna Pro-Health Plus and after evaluating other plans, I would like to port my policy to some other plan.Could you help elaborate if Optima Secure supports portability from other insurance plans? What are related considerations I should be evaluating?

[@GurleenKaurTikku]

Hello Vaibhav jee, I am glad you found the content useful 🙌 Yes, portability can be done. For your question on portability, you may consider the following video kzbin.info/www/bejne/moLHYahoYsSIfJo Please feel free to reach out to us at 9650706699 or [e-mail] for any assistance or queries. Thanks 😊

[@raghavbhardwaj23]

Thankyou @gurleen !! It's nice that you have replied to almost every comment. My question is I want to take a policy for my Parents - Father 64, Mother 57, both are perfectly fine and don't have any illness so far. Which one would be a good option considering the age, Restore or Secure ?

[@GurleenKaurTikku]

Secure is a better version of restore with almost same pricing. For any assistance, Please connect with us at 9650706699 or share your contact details at hareepatti.com/contact-us/

[@susmitpatra2077]

can I claim cashless at a same time from both company when my first sum assured amount exceed.i have two heath insurance policy that's why I am asking mam

[@GurleenKaurTikku]

The first company you claim from will have to claim settlement letter once its Sum assured is exhausted and then you can apply for cashless from other company.

[@anikeshpaul3211]

Mam aap bohot hi ache kam kar rahi hai. Thank you mam for this information.

[@GurleenKaurTikku]

Thank you Anikesh jee :)

[@maheshtennati]

Gurleen ji, there is no mention of Modern Treatments in Optima Secure, neither on their website nor in the policy wordings. Their call center is not sure of it and mail to them on this goes unanswered . can you please clarify. If someone having optima secure goes for these treatments , can the company not deny the claim saying it is not mentioned in the policy wordings? Thank you.

[@GurleenKaurTikku]

Mahesh jee, I agree on this that modern treatments are not mentioned in the policy wordings. We also got the clarity from HDFC ergo over email that modern treatments are covered upto sum assured. They will be shortly bringing out the revised copy of policy wordings.

[@Allclear415]

Exactly and customers care says that they are not included in Secure.

[@youarindamtube]

Mr. Mahesh, Per irdai circular they have to support at least following 12 modern treatment methods. Take a look: www.irdai.gov.in/admincms/cms/whatsNew_Layout.aspx?page=PageNo3916&flag=1

[@handsomeheart2000]

Hello Gurleenji, I have Optima Restore family floater 10Lakh policy for two adults and one 9 yr old kid, the premium is about 35k (which jumped from 22K after new IRDAI rules. My question is should I stay in the same policy , and is a top up worth it (because that will cost more), or should I port to Optima Secure. I am highly confused...what can you suggest, please guide. Thanks

[@GurleenKaurTikku]

Amit jee, you may continue to internal port to secure because it offers 2X coverage and AYUSH are covered , but please keep in mind 2 things 1. NCB will not be carried forward to secure 2. There is single private AC room in secure for less than 50 lacs policies

[@dksharma1092]

There is an option to add a + plus to your policy in the application form for hdfc optima secure. What does it mean? Will it affect my premium? Do let me know. There are another two options of unlimited restore option ,and unlimited restore ( add on)-- this is how it is written in the form. Can you please let me know about above two points for benefit of all. Thanks

[@vinayakkale6347]

Thanks Gurleen.

[@mohitgupta167]

Excellent analysis

[@GurleenKaurTikku]

Thank you so much !

[@santoshkhedekar2871]

Mam which one better secure or restore??

[@somanchakraborty8735]

Mam Navi ki health insurance lena sehi rehega?

[@utpalsadhu4123]

Gurleen Ji thanks for the nice comparative video. My query: is there any condition in Optima Secure that "Any claim cannot exceed the Basic Sum Insured"? If it is true, then the 2X benefit will be useless for lower sum insured. Kindly enlightened.

[@GurleenKaurTikku]

Utpal jee, This condition is applicable when using restore benefit. You can very well claim 2X and 3X as per secure and plus benefit.

[@harshkabra]

Hello maam, I am undecided between restore and secure. You mentioned that 10l of base cover under secure is comparable to 20l cover under restore. However, in case of porting what is the value which will be ported for a policy of 10l maintained under secure say after 3 years when plus benefits are also accrued. Will it be 30l or 10l. Very confused and this looks very technical.

[@GurleenKaurTikku]

Base cover is 10 lacs , so for portability 10 lacs will be considered.

[@shahsnaseem6979]

Nicely described .

[@subrataadhikary3929]

Please let me know the premium (family floater)for the age of 65 years & 60 years.

[@gouseteluguvlogs741]

Among both could you suggest the best for 2+1??

[@GurleenKaurTikku]

It depends on various other factors too. Please get in touch with us on WhatsApp/Call at 9650706699 or you can fill up this form with your basic details and our team can contact you directly. FORM LINK : hareepatti.com/contact-us/ Thanks

[@amanmadaan4888]

Thanks for the detailed video..Sales person told us that in Secure..Room rent is available upto single AC premium. However in the video you told that Deluxe room is also available. Please confirm.

[@GurleenKaurTikku]

Aman jee, yes definition of single private room includes deluxe and semi deluxe room as well. Suite will not be covered.

[@ameturemotoroids8976]

Thanks for this, I had a doubt the sales person told me I can use my corporate policy to claim that 25000 and then lower my premium amount in optima secure so is it feasible? I'm 26 yrs old no disease fit n fine but the premium he told for me for secure is around 9800 INR which is a bit high what do you think?

[@GurleenKaurTikku]

Yes, deductible option is a good way to reduce the premium. The premium is fine with the kind of features the product is offering.

[@vishakvasudevan4115]

Hi Did u take the policy and did u get any reduction ??

[@rahulsaha2659]

Can we reimburse the 25k paid by us using our corporate policy?

[@jigneshshah9079]

Overall your video is so much useful thanks ..

[@GurleenKaurTikku]

Glad to hear that, keep watching !

[@pratikdedhia]

Whether the deductible amount remain constant throughout the lifetime or will that also increase with premium....?

[@GurleenKaurTikku]

It will remain constant

[@rjhaveri8bh]

Plus benefit once my coverage is increased I will have to pay higher premium later on based on the new cover. Will i pay premium as per old cover still forever

[@GurleenKaurTikku]

The premium is charged on base sum assured only. You don't have to pay for the plus benefit, it is part of the policy benefits.

[@supportteam9717]

Please advice if an existing Optima restore which is due for renewal can be renewed under optima secured without loosing the existing multiplier benefit in the policy

[@GurleenKaurTikku]

You can check with HDFC ergo customer care team on this.

[@shashanksinghania979]

What happens if I purchased deductible policy, It is every year paid by me, I need to pay 25000 per year in case of claim continue 2-3 years??? Like i Claim in 2nd year, first 25000 given by me than, if claim again next year than 25000 again paid by me or it is paid by company???

[@GurleenKaurTikku]

In case you choose deductible option, in case of claim - First 25000 in a year is to be paid by you. This will be applicable every year.

[@abhisheksinha7]

Very important and informative. Appreciate it. Just one query. What if agreegate deductible is not chosen at the time of buying policy . So in addition to premium discount , what is the amount company will not pay or deduct ? As this is no co pay policy and almost are paid by company so what will we lose if dont opt for agreegate dedcutible

[@GurleenKaurTikku]

Abhishek jee, Aggregate deductible is just a choice to reduce premiums. If it is not opted for, no issues, there is no co pay of any sorts.

[@abhisheksinha7]

@@GurleenKaurTikku Then in that case company will have the liberty of cutting some non medical costs at the time of discharge and We end up paying those non med expenses incase agreegate deductible not chosen? Or agreegate deductable has nothing to do with mandatory cuts they will do anyways whether we take agreegate deductible or not take it?

[@ShivamKumar-zk9xe]

hello ma'am, a query about aggregate deductible feature in secure. what if i opt for 50k deductible and my first hospitalization claim is less then 50k, for example 30k , so will it add up and i have to pay 20k in next claim or its like 1st claim should be 50k or more,

[@GurleenKaurTikku]

The insurance cover will kick in once the deductible is used, it can be a single claim of 50k or partial claim of 20K or 30 K

[@ShivamKumar-zk9xe]

@@GurleenKaurTikku thanks so much ma'am, i was really confused about this , also can you please clear confusion that, it needs to be used up only 50k(if i choose 50k deductible) once only in the initial and not each year ??

[@ranjeetraj1514]

Thank You Ma'am for compression of both the polices . I have one query regarding aggregate deductable that will amount equal to aggregate deductable be paid by me in all admissible claim in every claimable year as it is mentioned in wording. Once again thank you for this valuable video.👍🏻

[@GurleenKaurTikku]

Annual aggregate deductible means once a year it will be applicable. First 25000 if deductible opted is 25000, will have to be borne by the policyholder and rest by the insurance company.

[@sohamchhaya2633]

@@GurleenKaurTikku let's say if had first claim this year and then what would happen to the second claim which happens in 3-4 years? Do we need to pay 25k every time when we claim?

[@SR01995]

@@sohamchhaya2633 i think yes.

[@vishvanathzunjare2775]

👍 Nice information

[@GurleenKaurTikku]

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

[@kanwal989]

Crystal clear explanation Gurleen ji

[@GurleenKaurTikku]

Thank you so much jee, Keep watching !

[@utube4kunal]

Hi Ma'am, You talked about premium getting revised for slab of 5yrs for RESTORE whereas premium will be recalculated every year for SECURE. Does this mean premium will be fixed for RESTORE for next 5 years..? Also if you could illustrate using some examples, that would be really helpful. Thanks !

[@GurleenKaurTikku]

Hi Satya jee, Premiums in Restore is as per 5 years slabs.For example- if you are 42 year of age, you will be paying premium for age 41-45 slab and will be changed at 46 years for you. In secure, it is increased every year, in the above example at age 42, there will be different premium and at age 43 , there will be little higher premium( estimated increase will be upto 10%) Hope, this clarifies :)

[@atulborkute4386]

​@@GurleenKaurTikku mam after 65 age... Can we continue in optima secure plan

[@ushar5265]

Excellent video

[@GurleenKaurTikku]

Thank you so much !

[@dhirajkapoor15]

Nice information, but would like small request you to please use mic while making the video for better voice quality. Thank you

[@GurleenKaurTikku]

Noted, Thanks for the feedback :)

[@sahilchamp]

God job buddy!

[@GurleenKaurTikku]

Thanks :)

[@tuhinsockey]

Hello, does it have Domiciliary expenses of OPD?

[@GurleenKaurTikku]

Domiciliary hospitalisation is covered, OPD expenses are not covered.

[@patnam3714]

If I choose hdfc ergo restore or hdfc ergo secure, will the premium to be paid inccreases yearly or same premium amount(premimum paid on buying) to be paid life long ?

[@GurleenKaurTikku]

In HDFC ergo secure , it is increased every year. In HDFC ergo restore, it is increased on 5 years slab.

[@patnam3714]

@@GurleenKaurTikku In max bupa reAssure ??

[@GurleenKaurTikku]

@@patnam3714 5 years slabs.

[@boyfromneptune]

Hi Gurleen, thanks for the content. This is what I was looking for. A quick question -I have an HDFC ERGO policy - My Health Suraksha with a SI of 50lacs and is due for renewal this month. My HDFC agent has given me the option to move to OPTIMA Secure at no additional cost.I would like to understand if it is a bright idea to move to the new plan since I have not filed any claim since policy inception. Can you please throw some light on - My Health Suraksha and how is it not better than OPTIMA Secure.

[@GurleenKaurTikku]

Hi, So , HDFC secure will offer some additional benefits like 1. 2X coverage from day 1 and plus benefit which is 1X which will be added to the policy after 2 years, this benefit is not available in suraksha 2. Payable of non payable / consumable items which is not there in HDFC suraksha Cost will not be same as suraksha plan, it will be higher

[@boyfromneptune]

@@GurleenKaurTikku - Thanks a bunch for your prompt reply. I m curious about my NCB discount and CB amount ?? Will they be internally to the new product ? TIA

[@piyushjain192]

Max bupa reassure vs Optima/secure... Which is better?

[@GurleenKaurTikku]

Hello jee, we have already made a comparison video on this topic. Please check the link : kzbin.info/www/bejne/iYLCeHulfqeggM0 Thanks

[@piyushjain192]

@@GurleenKaurTikku yes..I saw..but basis service, CSR, CIR, which one would you suggest..

[@roshanjoshi6605]

Hdfc eargo is far better then max bupa

[@dyadav09842]

Pan india hospitalization have inbuilt coverage in optima secure ?

[@GurleenKaurTikku]

For any queries regarding Health Insurance, connect with us on WhatsApp/Call at 9650706699 Our team can assist you !

[@PraphullataMore]

Pls advise if it’s advisable to buy optima secure online OR directly from company. TIA

[@GurleenKaurTikku]

You can buy from company or a reliable insurance agent

[@TechnicalSwaraj395]

Nice explained 👌🏻👌🏻👌🏻👌🏻👍👍👍

[@GurleenKaurTikku]

Thanks jee :)

[@Cocos_Swag]

Mam one doubt....how to add rider for consumable and non payble items in my optima restore policy....becoz while renewing rider adding option is not showing...

[@GurleenKaurTikku]

The rider is protector rider, please contact their customer support for assistance

[@ElangoMathivananAce]

Hi, very good presentation. Are these plans cover maternity after some years?

[@GurleenKaurTikku]

No, we have specific maternity plans to choose from. Also, Thank you for liking our content.

[@navrangpaints6936]

Mam I have purchased optima restore on May 2021 of 1000000 family floater, please tell me should I switch to optima secure next year my age is 48 now or should I remain on optima restore I am confused , please advise me. Thanks

[@GurleenKaurTikku]

You can take a call next year , please note NCB if any are not carried forward in case of internal portability.

[@sandeep6933]

@@GurleenKaurTikku hello madam, I have optima restore family floater policy since June 2019(husband, wife, son, daughter). Now before 3 rd renewal HDFC is asking if I want to shift to optima secure. They told me all old facilities will be kept and new one will be added..is it a good shift. pls guide.

[@ashjn90]

I want to take policy for my dad age 63, which company is best and how much coverage should I choose

[@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

[@chetansonar84]

If I have optima restore and would like to go for optima Secure, will I get the same portability benefits? Also do I have to undergo with Underwriting form fillup process? As I am moving with the same insurance company.

[@GurleenKaurTikku]

Yes, you can internally migrate from one plan to another in the same company/ The underwriting process will be done as per new plan, you can email to their customer care and they shall assist in the same.

[@samindraseal3358]

One of the best comparison video. Just a small query in Optima secure for 5 lakh policy there is a room rent capping but no capping in Optima Restore. Isn’t it a negative point??

[@GurleenKaurTikku]

Samindra jee, yes, in Optima Secure, there is single private AC room which covers room upto deluxe category. This is the disadvantage.

[@samindraseal3358]

@@GurleenKaurTikku I just spoke with HDFC ergo call centre and they said in Optima Restore its also covered upto single private ac room which is not mentioned in the policy

[@sowmiyavelmurugan8979]

Hi mam, i have a doubt. If i take secure policy for 10 lac base SI. I will have 2x i.e 20lac for claim. And after 2 years it will change to 30 lac as plus benefit. From 30 lac if in make a claim of 10 lac, balance will be 20 lac. What will be my eligibility amount on 4th year after renewal. Will that be again 30 lac? SI + secure + plus = 30 lac on each renewal?

[@GurleenKaurTikku]

Yes, it will remain 30 lacs after 3rd year and every year 30 lacs will be replenished.

[@ratnimtyagi4042]

mam, I am single with diabetes and I want to take policy along with my brother. please advise whether we are allowed to take one policy jointly as two individuals and which policy is better for me.

[@GurleenKaurTikku]

Hi, please feel free to get in touch with us on WhatsApp/Call at 9650706699. Our team can definitely can assist you in buying a suitable policy according to your requirements. Thanks

[@santhana_krishnan]

Ma'am , what's the difference between HDFC my health suraksha and optima secure plans?

[@GurleenKaurTikku]

Will make a video soon. Keep Watching !

[@GurleenKaurTikku]

Both are different plans Health Suraksha is an old plan , Health secure is a new plan with lot of new features like 2x coverage from day 1 , protector rider in built .

[@santhana_krishnan]

@@GurleenKaurTikku Thanks a lot Ma'am..

[@deeptanwar3183]

Blooper kafi funny tha mam

[@nitinghadge2227]

Is there any Change in Premium amount Of directly buy from Company or from Private advicer or Agent?

[@GurleenKaurTikku]

Nitin jee, there is a direct online discount of usually 5% if bought directly from company

[@samirpanja11]

Optima restore se optima secure me kaise switch kore?

[@GurleenKaurTikku]

Please call customer care, they will assist you.

[@nimitgoswami1]

I have 2 priories 1. Individual room ( no need of suits) 2. Coverage of consumables I want family floater of 5 lakhs With 100% restoration. Guide me which one should I go for

[@GurleenKaurTikku]

Out of these two,go for HDFC ergo Optima secure

[@santanugeology1605]

Hello maam , wanted to ask you a thing. Ma'am initially can I take optima restore and later can I upgrade to optima secure plan ??

[@GurleenKaurTikku]

Yes, it can be done.

[@pratikdedhia]

Thank you ma'am for the information. My parents (above 50) already have a medium coverage health plan (some other company) and they are planning on continuing it. I am planning to buy a little high coverage plan for them taking 30 years and inflation into account. Is it allowed to buy Optima secure with deductible option and pay the first 25k or 50k for that policy year with my parents current health plan?

[@GurleenKaurTikku]

Yes Pratik, you can do that.

[@RK-hv2dh]

I would rather recommend a super top up plan instead of switching to new plan

[@rajeshdole3410]

Hi Gurleen ji, Could you please compare optima secure & Navi plan .

[@GurleenKaurTikku]

Sure, thanks for the suggestion.

[@amritasingh1824]

Mam can you help me to choose batter helth plan..I live in Kolkata .my age 30yrs wife 28yrs n 1 son 5yrs...I want 5lacs sum assured ..which is batter for me n how much I have to pay premium for it...

[@GurleenKaurTikku]

Hello jee, please share your health insurance queries by filling up this form : hareepatti.com/contact-us/ One of our team member can get in touch with you & suggest the suitable plan. Thanks :)

[@BimanKakati]

Suppose I took Optima Secure of 5L sum insured then will I be getting the Plus benefit for lifetime or the max capping is upto the Sum insured?

[@GurleenKaurTikku]

Plus benefit will be equal to 100% of base sum assured and will be continued for lifetime

[@rahulsaha2659]

Hi mam, Can we reimburse the 25k paid by us using our corporate policy? A seperate bill will be provided for that?

[@GurleenKaurTikku]

If you are paying 25k by cash , a separate receipt will be there and that can be used along with the bill to reimburse

[@manishkr4899]

At last which option should be selected for new users. Still this is confusing

[@GurleenKaurTikku]

Manish jee, It all depends on your requirements from the plan. Feel free to contact us on WhatsApp/Call at 9650706699 and we can help you out choose the suitable plan. Thanks

[@ROHITKUMAR-nl4dt]

if any treatment cost is less than 25 thousand like dental problem, then how much i have to pay in deductible option.

[@GurleenKaurTikku]

If treatment cost is less than 25000 and you have opted for deductible of 25000, then it has to be paid by you. Dental treatments are not covered until and unless it is due to accident

[@rajubhagwat3532]

Hello mam. If I choose deductable option of 25000 then would it be same for any amount of hospital bill? I mean for hospital bill of 1lac or 10 lac then will it be fix of 25000 irrespective of any amount of bill?

[@GurleenKaurTikku]

Yes, 25000 will be fixed and after bill exceeds 25000 in a year then you can claim from your policy.

[@RaviSingh-hd7is]

MAM YOUR EXPLANATIONS ARE EXCELLENT BUT YOU NARRATE SUBJECTS IN A BULLET SPEED. THIS IS THE MAJOR PROBLEM WITH YOU KINDLY SLOW YOUR SPEED SO THAT WE CAN UNDERSTAND IT

[@GurleenKaurTikku]

Ravi jee, feedback taken. You can reduce the playback speed to 0.75x and watch. Thanks

[@SsrMms]

Mam I ' m from wesbengal zone 2. What's the premium of 5 lac optima secure. Family size 36 , 34, 7

[@GurleenKaurTikku]

Please get in touch with our team on Whatsapp/call for health insurance queries at 9650706699. or you can fill up this form :hareepatti.com/contact-us/

[@ankitmittal6426]

is there any specific reason why there are no middle man who sells HDFC ergo policies.... Is it good or bad for buyer

[@GurleenKaurTikku]

You will find lot of insurance agents for HDFC ergo health insurance.In case of any assistance, you can get in touch with our team at 9650706699

[@gagansachdeva8231]

Hello Mam, I have family floater HDFC optima restore policy which included my mother and brother, now brother become of 26 age and I have to take two different policy separate for mother and separate for brother, So my question is whether the NCB and all other benefits will be continue in separate policy or will it be counted as fresh policy ?

[@GurleenKaurTikku]

Hello Gagan jee, NCB is also transferred in such cases on proportionate basis. Policy will get all the continuity benefits and will not be considered as a fresh policy.

[@ronitgoswami1494]

Mam you said there is no copayment if we go for treatment in zone 1 hospitals, but in hdfc ergo website if you go to buy the plan it says 20% copayment has to be made if treatment done in zone 1 cities if I do not pay all India premium. Please clarify. Thank you.

[@GurleenKaurTikku]

The co payment is only in HDFC suraksha plan

[@ravneetsinghkalraa3842]

Hi gurleen ji 1. Is dental treatments and surgery are covered in restore and secure policy ? If no then is there any rider available for dental treatment ? 2. Is global cover is included in restore and secure ? If no , then is there any rider for the same ? 3. Can we port hdfc optima restore to optima secure internally ? Will we get prious years multiplier benefit after porting ?

[@GurleenKaurTikku]

Ravneet jee, Answering your questions below: 1. No,not covered and there are no riders also to cover 2. No, not covered and no rider for global coverage. 3.yes, you can port from OR to OS. Multiplier benefit may not be transferred but you get continuity benefits.

[@aadildarvesh9982]

Very informative. I have a few doubts: 1. If I take a Optima secure plan of 5lac base cover for first year, can I increase the plan to 10 lac base cover for next year? 2. If I take deductible of 25000, do I have to pay this deductable at hospital or to HDFC? Do we have to pay deductable each time we do any claim or just once in a year? 3. Can we pay monthly premium? Thanks

[@GurleenKaurTikku]

Please find below the answers tp your queries. 1. If I take Optima secure plan of 5lac base cover for first year, can I increase the plan to 10 lac base cover for next year? Yes, you can subject to medical underwriting. 2. If I take deductible of 25000, do I have to pay this deductible at hospital or to HDFC? Do we have to pay deductable each time we do any claim or just once in a year? To the hospital and has to be paid once a year. 3. Can we pay monthly premium? yes, there is an option to convert your premium into EMIs.

[@aadildarvesh9982]

@@GurleenKaurTikku thank you mam for your reply

[@bejalp9503]

How is optima super secure? There isn't much discussion about this scheme unlike optima secure and optima restore. Am I missing out on anything?

[@GurleenKaurTikku]

Optima super secure is 3 years plan of Optima secure and gives 3X coverage from day 1 instead of 2X

[@mahboob4313]

Which is better for 10 lack sum assured?

[@GurleenKaurTikku]

Depends on the features you are looking for. If you want 2X coverage, then secure else restore is equally good plan

[@vishalsharmaize]

I'm having HDFC ergo optima restore insurance since 2017 now they increased premium so shall I buy new insurance from another company at cheaper rate or i shall continue this only??

[@GurleenKaurTikku]

Premium increase may happen in any company due to various factors like Health inflation / Underwriting losses. It is advisable to choose company on the basis of features

[@snehasingh9200]

60+ yr pr any co payment hai ?

[@AdityaSingh-qk4qe]

Can I claim more than the base claim of 10 lakhs in secure even if I have 2x? Also, apart froom the room rent (capping in secure) all other things look good in secure - that's a minus point

[@GurleenKaurTikku]

Yes, you can claim upto 2x sum assured in a single claim from day 1 and after 2x is exhausted , another 1x restore can be claimed. Plus benefit will also be added after 2 years which is equal to base sum assured

[@AdityaSingh-qk4qe]

@@GurleenKaurTikku Hi Gurleen, thanks a lot for the reply, another thing I wanted to ask, if I take a policy such as optima restore for 20 lakhs - and then a super top up from max bupa of say 10 lakhs deductible and amount of 90 lakhs, I can just use the super top up of max bupa after deductible amount is completed and easily get cashless claim from max bupa, is that true? Hdfc has a very good hospital network for cashless claims and it's incurred claim ratio is also way better about 70%, so can you tell me if it's possible? Unfortunately, hdfc ergo doesn't offer a high sum insured super top up plan - upwards of 20 lakhs

[@magicsuccess3735]

Optima restore to converted Optima secure ..what will be changed ...premium , benifits give me a info about secure ...

[@GurleenKaurTikku]

This video has all the details

[@mdpandey9629]

सही है धन्यवाद

[@GurleenKaurTikku]

Thank you jee !

[@vijayendralolla]

my father age is 65 years and one month. in this case, can we opt ?

[@GurleenKaurTikku]

Please contact with us on 9650706699 or 9810458605. or you can fill up this form & our team can connect with you directly . FORM LINK : hareepatti.com/contact-us/

[@nandkishorjha8358]

One generic query... if I renew for 2/3 years... will I be able to claim 80D.. next year on half of the premium amount?

[@GurleenKaurTikku]

Yes, you can claim equally within 2 / 3 years

[@arunavb]

Very nice. I want to know if I live in Guwahati and going to Chennai for treatment will I have to pay

[@GurleenKaurTikku]

There is no copayment for treatment anywhere in India.

[@sreyasg1565]

Hi mam Optima secure ma , they are saying single room with ac But most hospitals ma delux single room aur super deluxe single room available hote ha , naam bhi alag alag hota ha hospital to hospital So we can choose anything or only single room with ac basic hi allowed ha ?

[@yshah84]

No Capping you can take suite room also

[@stuartlittle8652]

Restore offers inflation shield. Is this offered with the Secure plan as well?

[@GurleenKaurTikku]

So, Restore has protector rider which offers inflation shield as well whereas secure has protect benefit which covers non payable items only

[@stuartlittle8652]

@@GurleenKaurTikku no increment in cover due to inflation then?

[@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 ?

[@GurleenKaurTikku]

So, the deductible amount is the initial claim amount at the time of hospitalisation that you will have to bear.

[@shuvamguha1585]

Would these plans settle claims arising as a result of the insurance holder being a smoker and that’s declared at the time of buying the policy?

[@GurleenKaurTikku]

If its disclosed, then claims will not be an issue