HDFC ERGO Optima Secure VS Optima Restore | Which one is Better ? 🤔 Health Insurance Comparison

In this video, we will compare 2 popular Health Insurance Plans offered by HDFC ERGO : HDFC ERGO Optima Secure & hDFC ERGO Optima Restore.

We will discuss the Differences as well as the Similarities in both the policies.
The focus is to make your decision making easier & choose the right Health Insurance for you & your family.

your family.

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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[lakshminarayanang]

Thank you so much for the detailed video. It was helpful in deciding the policy

[venkatabavirisetty]

Very informative. Just a sugession. While explaining, kindly display tabular wise features comparison on the screen itself for easy understanding for viewers.

[sudheenl]

Good to see extensive comparison. Thanks for the detailed comparison ij just few min

[indianbond]

Extremely good channel, very good presentation. I like the way, you have spent time and provided answers to the comments / questions by others.

[midhun]

Thank you for this video. Really appreciate it. 😊

[ankitfirebolt]

Hi Gurleen, very nice video again! Should I consider HDFC Optima Secure small sum insured(like 20L) with a Super Top up plan, or take HDFC Optima Secure 50L? Which would be recommended?

[murlima]

Thanks for laying out the details of these two policy in a simple manner with lot of clarity, it was very helpful !

[mushirrazaqureshi]

Commendable knowledge & explanation 👏Thank u mam once again 🙏

[rjhaveribh]

Mental Health was covered in Optima Restore so I want to know in Optima Secure is it same cover or reduced to HDFC ERGO plan cover.

[anikeshpaul]

Mam aap bohot hi ache kam kar rahi hai. Thank you mam for this information.

[raghavbhardwaj]

Thankyou @gurleen !! It's nice that you have replied to almost every comment. My question is I want to take a policy for my Parents - Father 64, Mother 57, both are perfectly fine and don't have any illness so far. Which one would be a good option considering the age, Restore or Secure ?

[dr.balajisurvase]

Very informative and useful video thank you madam ji....

[kalubalu]

Hello Ma'am, i am having family floater health suraksha silver ergo plan @3L since 2016. CB @1.2L. Earlier i remember it was restore plan. In which SA was automatically triggered. But I come to know that it is not. Have they changed recently. I was not worried earlier because premium was @15k. However from this year premium shoot up by 10k since crossed 50. Since there is too high premium i thought SA should be at least more. Hope you understand. I want to stick to ergo looking to it's claim settlement. Hence please advise. Thanks

[cadheerajjaindelhi]

I have optima restore policy since last 8 years pls give me suggestion which policy should we choose optima restore or optima secure policy

[vbmarch]

Hello Gurleen, compliments on presenting a very clear and crisp comparison, great and to the point content. I have Manipal Cigna Pro-Health Plus and after evaluating other plans, I would like to port my policy to some other plan.Could you help elaborate if Optima Secure supports portability from other insurance plans? What are related considerations I should be evaluating?

[anuragverulkar]

Hi Gurleen, thanks for the content. This is what I was looking for. A quick question - have a HDFC ERGO policy - Optima Restore Family Floater for SI of 25 Lakhs. I had paid premium for 2 years and thus far eligible for full NCB as I have not put any claims. While I like Secure, I have the following questions - If I port from Restore to Secure what happens to the Wait Periods, NCB and the Wait period of Pre Existing Diseases. Does the counter starts again? What would you suggest?

[utpalsadhu]

Gurleen Ji thanks for the nice comparative video. My query: is there any condition in Optima Secure that "Any claim cannot exceed the Basic Sum Insured"? If it is true, then the 2X benefit will be useless for lower sum insured. Kindly enlightened.

[dksharma]

There is an option to add a + plus to your policy in the application form for hdfc optima secure. What does it mean? Will it affect my premium? Do let me know.
There are another two options of unlimited restore option, and unlimited restore ( add on)-- this is how it is written in the form. Can you please let me know about above two points for benefit of all.
Thanks

[santoshkhedekar]

Mam which one better secure or restore??

[amanmadaan]

Thanks for the detailed video..Sales person told us that in Secure..Room rent is available upto single AC premium. However in the video you told that Deluxe room is also available. Please confirm.