HDFC Ergo Optima Secure is a health insurance policy offered by HDFC ERGO General Insurance Company Limited. A health insurance plan is essentially a hospitalization cover that promises to pay the costs incurred during hospitalization, as well as expenses incurred before and after a hospitalization. HDFC Ergo’s Optima Secure Plan provides exciting discount options and a host of benefits and features to meet all of your and your family’s healthcare needs.
This is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. The plan allows you to pay your premiums monthly and covers several costs including the cost of consumables as well as dental treatment. On the flip side, however, it is more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
HDFC ERGO General Insurance Company Limited is a joint venture between HDFC Ltd. and ERGO International AG. The company offers a wide range of general insurance products ranging from Motor, Health, Travel, Home, and Personal Accident in the retail space to Property, Marine, and Liability Insurance in the corporate space. It was founded in 2002 and is headquartered in Mumbai, Maharashtra. Mr. Ritesh Kumar is the company's CEO.
HDFC ERGO Optima Secure is a health insurance policy offered by HDFC ERGO General Insurance Company Limited.
HDFC ERGO Optima Secure is a comprehensive plan that provides coverage as well as a range of benefits designed to meet your medical needs financially. It offers some standout features like double the sum insured from your first day of coverage, coverage for the costs of consumables, dental coverage, etc. But it is a bit more expensive than the other products in the market. Also, based on our research, the insurer has received a lesser number of claim settlement complaints but a higher number of complaints during policy purchases.
Please note that the restrictions and terms specified in the above-mentioned benefits pertain to a sum insured of Rs. 10 lakhs.
Please note that the above financial limits are taken for a 30-year-old individual, opting for a sum insured of Rs. 10 Lakhs.
👉Waiting period
Some illnesses and diseases are not covered for a certain period after buying a health insurance policy. This time span is called the waiting period. The completion of this duration enables you to claim for these conditions. The various kinds of waiting periods include -
👉Exclusions:
The medical conditions that are not covered by the health insurance policy are called exclusions. They include:
HDFC ERGO General Insurance Company Limited, based in Mumbai, Maharashtra, is a collaborative effort between HDFC Ltd. and ERGO International AG. Established in 2002, the company provides a diverse range of general insurance products catering to both retail and corporate sectors. These include Motor, Health, Travel, Home and Personal Accident in the retail space to Property, Marine and Liability Insurance in the corporate space. The CEO of the company is Mr Ritesh Kumar.
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