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Help required in selecting between HDFC Optima Restore and HDFC Optima Secure

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15 Apr, 2022 by  Aditya B

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.


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15 Apr, 2022
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Hey product review already available do read once


https://www.beshak.org/insurance/health-insurance/articles/hdfc-optima-secure-product-review/

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Hi Aditya,



Selecting a good plan depends on several factors amongst them is your healthcare needs & the core benefits that the policy offers that are best suited to your family unit.


It'll be helpful if you can share more details about the medical history and demographics of the individuals you're trying to cover.


A free call is readily available as a option for you to exercise with a advisor. Give it a go, so that you are completely in confidence before making a decision on going ahead with a plan.

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15 Apr, 2022
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Dear Aditya,


For an advisor to suggest a plan that works best he/she will need to understand what is your need, past medical history, what benefits are best for you and then arrive at a conclusion.


Try out the Beshak's Tru Match Report for Health Insurance.... The report will summarise most suitable plan options for you.

In terms of difference highlighted try and understand below


1) Ambulance Cover: What is more to you cost incurred towards hospitalisation or cost incurred towards transporting the patient to the hospital?


2) Ayush Cover: How often are you likely to take AYUSH treatment? How many AYUSH hospitals are covered under cashless facility?


3) Premium Increase: Premium increase will happen some plans have it annually other do as per age bracket. In most plans it is seen that premiums change every 3-4 yrs. Premium increase is a phenomenon just like inflation u can't escape it.


4) Will pass the question as I have not understood the same "HDFC Optima Restore and may be a Befit cover under ICICI Lombard??"

Regards

Rohit Dhingra

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18 Apr, 2022
Aditya B
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19 Apr, 2022
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