Insurance Plan
Protecting your health and financial well-being are top priorities in today’s world. HDFC ERGO’s Optima Secure health insurance plan aims to address these concerns by offering comprehensive coverage for individuals and families. Let’s delve into the plan’s details to help you make an informed decision.
Benefits to Secure Your Health:
- Flexible Coverage: Choose your sum insured (financial protection amount) from ₹5 lakhs to ₹2 crores to match your needs and budget.
- Double Security: Enjoy instant doubling of your basecover upon purchase, providing extra financial support in case of a claim.
- Growing Protection: Get a 50% and 100% increase in your base cover after the 1st and 2nd renewals, respectively, for enhanced protection over time.
- Claim Restore Benefit: Get your base cover restored 100% after any claim (within India) to ensure you have adequate coverage throughout the year.
- Comprehensive Coverage: Receive coverage for pre-hospitalization expenses (60 days before) and post-hospitalization expenses (180 days after), offering a wider safety net.
- Additional Features: Depending on the chosen plan variant, you may benefit from features like cashlesshospitalization, daily cashallowance during hospitalization, and coverage for alternative treatments.
Who can Enroll?
The Optima Secure plan generally caters to individuals between 18 and 65 years old. However, it’s crucial to verify the exact eligibility criteria with HDFC ERGO or an authorized agent to ensure you meet the requirements.
Simplified Claim Process:
HDFC ERGO offers a streamlined claim process. You can initiate a claim by:
- Contacting the insurer through their toll-freenumber or website.
- Visiting a network hospital directly in case of cashless hospitalization.
Making an Informed Choice:
For a comprehensive understanding of the plan, including exclusions, claim settlement ratio, and other crucial aspects, it’s highly recommended to:
- Thoroughly review the product brochure.
- Consult with a financial advisor. They can help you assess your individual needs and determine if this plan aligns with your specific requirements and budget.
Remember: Choosing a health insurance plan is a significant financial decision. By carefully considering your needs, researching different options, and seeking professional guidance, you can secure your health financially with confidence.
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