HDFC Ergo Optima Secure
Introduction to HDFC Ergo Optima Secure
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 slightly 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.
Pros & Cons: HDFC Ergo Optima Secure
No restrictions on the type of hospital room you choose- Doubles the cover amount from day 1
- Monthly premium payment mode available
- Covers in-patient dental treatment due to disease or injury
- Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
- Received fewer complaints on claim settlement compared to other insurers
Slightly costlier than other products in the market- Received higher number of complaints during policy purchase compared to other insurers
- Our study observed their responses on Twitter to be relatively slower than other insurers
Specific Exclusions: HDFC Ergo Optima Secure
About HDFC Ergo General Insurance Company Limited
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.
Detailed Product Specs: HDFC Ergo Optima Secure
