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HDFC Ergo Health Insurance optima restore vs Optima secure
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27 Jan, 2023
by Sameer Kumar
Confused between HDFC optima restore vs Optima Secure. I understand Secure will be costly with premium increasing every year while restore increases with age band. Is that so ? Or anything else? Hdfc promoting secure widely and recently removed the room restriction also is my understanding.
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11 Mar, 2023
Hellfire
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Sameer jee, the cost for HDFC ergo restore and secure is almost the same.
Whereas the secure offers higher coverage that is 2X against 1X in restore. This is true that premiums in secure increases every year with age vs it increases as per age slabs of 5 years,however the percentage increase is almost the same.
We did comparison till age 65 and found out that premiums are almost same.
So, one can easily choose secure against restore.
I hope you got what you were looking for.