рджреЛрд╕реНрддреЛрдВ рдЕрдЧрд░ рдЖрдк рдПрдХ рдЕрдЪреНрдЫреА рд╣реЗрд▓реНрде рдЗрдВрд╕реНрдпреБрд░реЗрдиреНрд╕ рдЕрдкрдиреЗ рд▓рд┐рдП рдпрд╛ рдЕрдкрдиреЗ рдкрд░рд┐рд╡рд╛рд░ рдЬрдиреЛ рдХреЗ рд▓рд┐рдП рдвреВрдВрдв рд░рд╣реЗ рд╣реИрдВ рддреЛ рдпреЗ рдкреЛрд╕реНрдЯ рдЖрдкрдХреЛ рдЬрд░реВрд░ рджреЗрдЦрдирд╛ рдЪрд╛рд╣рд┐рдПред рдЗрд╕ рдкреЛрд╕реНрдЯ рдореЗрдВ рд╣рдо рднрд╛рд░рдд рдореЗрдВ рд╕рдмрд╕реЗ рдЕрдЪреНрдЫреА рд╣реЗрд▓реНрде рдкрд╛рд▓рд┐рд╕реА рдХреЗ рдмрд╛рд░реЗ рдореЗрдВ рд╕рд╛рд░реА рдЬрд╛рдирдХрд╛рд░реА рд╣реИред рдХрд┐рд╕реА рднреА рд╣реЗрд▓реНрде рдЗрдВрд╕реНрдпреБрд░реЗрдиреНрд╕ рдХреЛ рдЦрд░реАрджрдиреЗ рд╕реЗ рдкрд╣рд▓реЗ рдХрд┐рди рдмрд╛рддреЛрдВ рдкрд░ рдзрдпрд╛рди рджреЗрдирд╛ рдЪрд╛рд╣рд┐рдП рд╡реЛ рд╕рднреА рдЗрд╕ рдкреЛрд╕реНрдЯ рдореЗрдВ рдмрддрд╛рдпрд╛ рдЧрдпрд╛ рд╣реИред рдЖрдк рднреА рдЗрд╕ рдкреЛрд╕реНрдЯ рдХреЛ рдкреВрд░рд╛ рдкреЭреЗрдВ рдФрд░ рдЕрдкрдиреЗ рдкреИрд╕реЗ рд╕рд╣реА рдЬрдЧрд╣ рдЗрдиреНрд╡реЗрд╕реНрдЯ рдХрд░реЗрдВ рдЬрд┐рд╕рд╕реЗ рдЖрдк рдЕрдкрдирд╛ рдкреИрд╕реЗ рдФрд░ рд╕реЗрд╣рдд рджреЛрдиреЛрдВ рдмрдЪрд╛рдУред
рдПрдХ рдЕрдЪреНрдЫрд╛ рд╣реЗрд▓реНрде рдкреНрд▓рд╛рди рдЖрдк рдФрд░ рдЖрдк рдХреЗ рдкрд░рд┐рд╡рд╛рд░ рдкрд░ рдЖрдиреЗ рд╡рд╛рд▓реЗ рднрд╡рд┐рд╖реНрдп рдХреЗ рд╕рдВрдХрдЯ рд╕реЗ рдЖрдк рдХреЛ рд╕реБрд░рдХреНрд╖рд┐рдд рд░рдЦрддрд╛ рд╣реИред рдХреНрдпрд╛ рд╣реИ тАЬOptima Secure тАЭ рдФрд░ рдЗрд╕рдХрд╛ рдХреНрдпрд╛ рдХреНрдпрд╛ рдлрд╛рдпрджрд╛ рд╣реИ рдХреИрд╕реЗ рдЖрдкрдХреЛ рдФрд░ рдЖрдкрдХреЗ рдкрд░рд┐рд╡рд╛рд░ рдХреЛ рдХрд┐рд╕реА рднреА рд╕реЗрд╣рдд рд╕реЗ рд╕рдореНрдмрдВрдзрд┐рдд рдкрд░реЗрд╢рд╛рдирд┐рдпреЛрдВ рд╕реЗ рдмрдЪрд╛ рд╕рдХрддрд╛ рд╣реИ рд╕рд╛рдбреА рдбрд┐рдЯреЗрд▓реНрд╕ рд╣реИред
HDFC ERGO Optima Secure
Optima Secure is one of the best health Insurance plan in India. This is one of the best selling plan launched by HDFC ERGO. HDFC ERGO is one of the pioneer in health insurance sectore, HDFC ERGO has take over Apollo Munich in year 2020 and now IndiaтАЩs top selling Health Insurance Company.
рдкрд┐рдЫрд▓реЗ рджреЛ рд╡рд░реНрд╖реЛрдВ рд╕реЗ рдПрдХ рдЕрдЪреНрдЫреЗ рд╣реЗрд▓реНрде рдкреНрд▓рд╛рди рдХреА рдЬрд░реБрд░рдд рд╕рдмрдХреЛ рд╣реЛрдиреЗ рд▓рдЧреА рд╣реИ рдЬрд┐рд╕рдХрд╛ рд╕рдмрд╕реЗ рдмреЬрд╛ рдХрд╛рд░рдг CORONA рд╣реИ , рдЗрд╕ bimari рдХреА рд╡рдЬрд╣ рд╕реЗ рдХреАрдиреЛ рд▓реЛрдЧреЛрдВ рдиреЗ рдЕрдкрдиреЛрдВ рдХреЛ рдЦреЛрдпрд╛ рд╣реИред рдХреЛрд░реЛрдирд╛ рдХреЗ рд╡рдЬрд╣ рд╕реЗ рд▓реЛрдЧреЛрдВ рдХреЛ рдХрд╛рдлреА рдЖрд░реНрдерд┐рдХ рдмреЛрдЭ рдХреЗ рдЯреЗрд▓ рджрдмрд╛ рджрд┐рдпрд╛, рд▓реЛрдЧреЛрдВ рдиреЗ рддреЛ рдЕрдкрдиреЛрдВ рдХреЛ рдЦреЛрдпрд╛ рд╕реЛ рдЕрд▓рдЧ рдЖрд░реНрдерд┐рдХ рдкрд░реЗрд╢рд╛рдирд┐рдпреЛрдВ рдиреЗ рднреА рдХрд╛рдлреА рддрдмрд╛рд╣ рдХрд┐рдпрд╛ред рдЗрд╕ рддрд░рд╣ рдХреЗ рдкрд░реЗрд╢рд╛рдирд┐рдпреЛрдВ рдХреЗ рдмрдЪрдиреЗ рдХреЗ рд▓рд┐рдП рд╣рдо рд╕рднреА рдХреЗ рдкрд╛рд╕ рдПрдХ рдЕрдЪреНрдЫрд╛ рд╣реЗрд▓реНрде рдкреНрд▓рд╛рди рд╣реЛрдирд╛ рдЪрд╛рд╣рд┐рдП рдЬрд┐рд╕рдХреЗ рд▓рд┐рдП тАУ HDFC ERGO Optima Secure is the Best plan to choose.
Key Features of Optima Secure
- Base Sum Insured тАУ 5Lakhs/10Lakhs/15Lakhs/20Lakhs/25Lakhs/50Lakhs/100 Lakhs/200Lakhs
- Room Rent тАУ Sum insured Less than 50 Lakhs single AC Private Room. Sum Insured more than 50Lakhs All room types.
- Cover Completely on Selected Plans тАУ Hospitalization expenses, AYUSH Treatment, Home Healthcare, Organ Donar Expenses, Pre-Hospitalization 60 days, Post-Hospitalization 18- days.
- Secure Beenfits тАУ 100% of Sum Insured.
- Protect Benefit тАУ UPTO Sum Insured.
- Plus Benefit тАУ Irrespective of Claim status, increase of 50% of Base Sum Insured in a policy year and maximum up to 100%.
- Restore Benefits тАУ Upto 100% of Base Sum Insured for any illness any insured person.
- Emegency Ambulance тАУ Road Upto Sum Insured, Air Upto -Rs.5,00,000.
- Daily Cash for Chossing Shared Accomodation тАУ Rs.800 per day.
- Tax Saving тАУ Get Income Tax Benefits under section 80D of Income Tax Act
Benefits of HDFC ERGO Optima Secure
- Secure Benefit тАУ 2X coverage from Day 1. The base cover you opt for get double once you pay the premium automaticallly without any additional cost. No Hidden charges No extra charges. Means if you take a policy of base sum assure of Rs. 10 Lakhs you will get benefits of Rs.20 Lakhs from the first Day.
- Plus benefits тАУ 100% increase in coverage after 2 years. The base cover increase 50% after one year and 100% after the second year if the policy is running without lapse.
- Restore Benefits тАУ 100% restore coverage. If claim made 100% of the amount get restored in the policy itself.
- Protect Benefits тАУ Non-Medical Expenses. means 0 deduction on listed non-medical expenses, that means we cover and pay the list of Non-Medical expenses in the policy itself. Means Go cashless with in-built coverage for disposable items like gloves, masks, food charges and other consumables during hospitalization
- E-opininon for critical illeness тАУ HDFC ERGO will pay the extra expenses which incurred if you choose e-opinion for critical illness from the top doctors of network hospitals.
- No Geography based copayment тАУ No matter where you choose to get treated. We donтАЩt require copayment.
- Daily Cash тАУ HDFC ERGO will give daily cash of Rs 800 per day and maximum upto Rs 4800 if you choose shared room/accomodation for more than 48 hrs.
Waiting Period in Optima Secure
Every health insurance has some waiting period, hence HDFC ERGO also has 30 days waiting period from the 1 policy but no waiting period in an accidental emergency. Customers can use health insurance immediately after the issuance of a health policy and will be covered if he/she meets some accident. So accidental cases were covered immediately.
- 30 days waiting period for hospitalisation other than accidental injuries.
- 24 months waiting period on specific illness and surgical procedures.
- 36 months waiting periods on pre-existing diseases.
What are not covered?
- Abuse of intoxicant or hallucinogenic substances like drugs and alcohol.
- Pregnancy, dental treatement, external aids and appliances.
- Hospitalization due to war or an act of war or due to nuclear chemical or biological weapon and radiations of any kind.
- Congential external diseases, cosmetic surgery and weight control treatments.
Why To Choose HDFC ERGO?
- ~10,000 hospitals in network to give cashless treatment.
- 1.5 Crores Happy Customers.
- 1 Claim settled every Minute*.
- 97% Claim settlement Ratio.
- 7500 Crore Claim settled till now.
- 24X7 inhouse claim support.