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Sir,I currently have a Family floater Health insurance from HDFC Ergo with coverage of 15 lakhs.

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19 Oct, 2021 by  Babu A

Sir,I currently have a Family floater Health insurance from HDFC Ergo with coverage of 15 lakhs with auto restore of 10 lakhs extra (earlier Apollo Munich Optima ) . I am continuing this for the past 4 years. Should I continue or switch to another company ? My requirements good coverage of cities in Hyderabad , Bangalore. We are a family of 3 . Myself aged 38, wife 35 and kid 5. Thankfully, there have been no claims till now , since inception.

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Health Insurance

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19 Oct, 2021
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Hi Babu,

You may stick to the plan Optima Restore is a good plan, no need to get too adventureous. At time of renewal try to add protector rider. It will be helpful in the long run.


Rohit Dhingra

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21 Oct, 2021
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Like Rohit mentioned, you may stick with the Optima Restore plan since it's one of the top best health insurance plans available currently

While renewal either add the protector rider as Rohit mentioned or check and switch to Optima Secure plan which has few added advantages like double coverage, inbuilt secure benefit (non-payable items are also paid at the time of claim) and also has Ayush coverage unlike Optima Restore plan.

May I know the reason why you are thinking about switching? Do you find any disadvantages in the current plan or you found a better plan elsewhere?

Unless you see a concern, it's better to continue with the same plan and company. Additionally you may take a super top up plan it required.

Thank you

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