SACHA ADVICE. ACHA ADVISOR.
back arrow Back

HDFC Ergo Optima Secure or HDFC Ergo Optima Restore

reply Share
07 Sep, 2022 by  Digi

Hi Team,



My parents are buying health insurance for them. I know it's to late they should've bought earlier.



Their age is 59 and 49. They are thinking of buying for 5L base policy and super top-up of 5L or 10L.



I searched for the plans and shortlisted two of them,


1) HDFC Ergo Optima Secure


2) HDFC Ergo Optima Restore



But I am really confused which one should I go for. If you could help it will be really helpful.

like like
0
Health Insurance

1 Answer

Post
08 Sep, 2022
connect with advisor

Hi


Both plan are good as they do not offer any cap or sub limit on any disease. Optima Secure is a new plan which offers additional benefits that Optima Restore does not like Hospitalisation @ Home, AYUSH, Cost of Consumables. It also offer Double the Sum Insured from Day 1. Optima Secure has a limit on Type of Room that one can opt for i.e. Upto Single Pvt AC Room, incase of Optima Restore there is no restriction on type of room.


Frankly it will be difficult for me to suggest a plan out of the two unless I am aware of past medical history, current health condition, city where they stay, what kind of premiums you are looking for etc.


It will be best if you could schedule a call with any of the advisors and have a 1-2-1 call.


Hope this was of help to you


Regards

Rohit Dhingra





like like
0
icon-comment 0 Comments
icon-reply Reply
connect with advisor

Tired of dealing with call centers!

Get a professional advisor for life!

LIFETIME FREE

Rs. 1799

or

Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to info@beshak.org now 🙂