Help required in selecting between HDFC Optima Restore and HDFC Optima Secure
HDFC Optima Secure and HDFC Optima Restore both look quite promising with few drawbacks in both. So need help in selecting between the two or also suggest if there are any better reliable options available.
Some of the major differences seem to be :
- Ambulance charges are paid at actuals in Optima Secure which is not the case in Optima Restore.
- Ayush cover is available in Optima Secure which is not available in Optima Restore.
- Premiums seem to be increasing in Optima Secure every year which is a major draw back. Is it the same case with other insurers or other policies as well?
- Is it advisable to go with HDFC Optima Restore and may be a Befit cover under ICICI Lombard? Would that be more cost effective?
Experts- Please guide with selecting between the two mediclaim policies or suggest any other better options available.