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Migration of HDFC ergo health suraksha policy
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03 Apr, 2023
by vishnu ts
I have hdfc ergo health suraksha 5lakh plan. Next june will be renew. Do i have to migrate to optima secure /restore from this plan or keep this plan. If i change what diffrence in my premium will be or any other better plan in hdfc ergo
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04 Apr, 2023
Hi,
What are the ages of all the insured members and the location. Optima Secure is obviously a better product when compared to Suraksha but like Pankaj said the premiums increases every year because the premium calculation is not based on age slabs but on individual ages. If the premium difference is not huge and if you are okay with it, I'd suggest to switch to Optima Secure.
Thank you
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Unless you are comfortable with yearly premium increase do not move to HDFC Optima secure, the plan get be expensive as you age.
Suraksha has the best of everything, it is a comprehensive & a well-positioned plan for half a decade now. Also, premium increases are mainly on account of age adjusted increase historically & sometimes owing to medical inflation.
I would suggest you upgrade the plan from 5 - 10 lacs & continue with suraksha if you prefer the same claim experience that HDFC offers with predictable premium hikes.