HDFC ERGO General Insurance launches Optima Secure: Here are its review, features and more

livemint.com:

Health insurance is a financial arrangement that provides coverage for medical expenses and healthcare services. It is crucial to have health insurance as it offers financial protection against unexpected medical costs, ensuring that individuals can access necessary medical care without facing excessive financial burdens.

HDFC ERGO General Insurance announced the launch of Optima Secure, providing 4X coverage at no additional cost, thereby redefining the value you get from health insurance.

Here is the review of HDFC Ergo Optima Secure and its distinct features which cater to the needs of common people.

Age limit, coverage and policy options: You can buy this insurance policy until you're 65 years old. There's no age when the coverage stops. Families and individuals can choose coverage from ₹5 lakhs to ₹2 crore, with different options available. This policy can be issued for a period of 1,2 or even 3 years.

Secure Benefit: Secure benefit is a special feature of Optima Secure. When you get insurance, it automatically gives you twice the coverage you bought. You don't have to do anything extra or pay more. It's like getting double protection from the start, without any fuss.

Plus Benefit: Another good thing is the «Plus Benefit.» This helps your insurance coverage get bigger by 50% after 1 year and 100% after 2 years, even if you make a claim. This means you don't need to be concerned about getting a full bonus or a smaller one if you have to make a claim.

Restore Benefit: With this benefit, if you make a claim, either for a part or the whole amount, at any point in the year, your insurance coverage will be renewed back to its full amount without you having to pay extra.

Protect Benefit: Optima Secure's Protect Benefit