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Renewal - HDFC Ergo - my Health Suraksha vs Optima Secure

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19 Dec, 2023 by  Mahendra Wagh

Hi, we have the following individual plans for myself (30 years) and my bother and sister (both 27 years) -

  • Base - 10 Lakhs (my Health Suraksha)
  • Top Up - 10 Lakhs

The base plan is now up for renewal. I wonder if switching to Optima Secure is better as it seems to have a greater sum insured.


  1. Is it better to replace both the base and top-up policies above with an Optima Secure plan (10 Lakhs taken individually)?
  2. For my brother and sister, the waiting period for pre-existing conditions is now over in the current base plan. Will a fresh waiting period apply if we switch to Optima Secure?


Request you to please guide. Thank you.


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13 Jan, 2024

Hello Mahendra, answering your questions below -

1) Both ways would work. You can either continue with your top-up policy and migrate only your base policy or you can go ahead with a single base policy with higher sum insured.

2) It won't. If you successfully migrate to a new policy, you won't need to serve the waiting periods once again in the new policy.

Thanks!

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24 Jan, 2024
Mahendra Wagh

This was helpful. Thanks a lot, Aayush.

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