HDFC ERGO Optima Secure VS Star Health Assure Plan | WHICH ONE IS BETTER ? 🤔 | Gurleen Kaur Tikku

HDFC ERGO Optima Secure is a comprehensive medical policy that comes with a variety of unique benefits, such as Secure benefit, Protect benefit and Plus benefit.

It provides coverage for medical expenses incurred within India and comes with an optional global health cover.

whereas Star Health Assure Plan covers hospitalisation expenses incurred for any illness, accident, or injury.

In this video , we will compare both the plan on the basis of features, waiting periods , exclusions as well as premiums.

WATCH THE VIDEO FOR MORE DETAILS :)

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⇨ TIME STAMPS
0:00 Introduction
0:55 Claim Settlement Ratio & Incurred Claim Ratio
1:20 Features Comparison
1:52 USP of HDFC ERGO Optima Secure
3:26 Bonus in Health Insurance
4:01 Features Comparison
4:20 Refill Benefit
5:02 Emergency Road Ambulance
5:21 Complimentary Wellness Test
6:34 Co-Payment
6:56 Deductible Option Comparison
7:56 Maternity Benefits
8:32 Optional Riders in HDFC ERGO Optima Secure
9:31 Waiting Periods & Exclusions
10:08 Premium Calculation
10:21 Conclusion
10:43 Bloopers
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#hdfcergo #starhealthinsurance #gurleenkaurtikku

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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 18 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.

[charun]

Wow...I really appreciate...I left comment this afternoon only and here we are with another comparison...so quick you are thanks!

[saleem]

Ma’am
There’s a small correction required in your presentation 1) in Star health if you are taking the policy before 61, then there’s no co payment of 10% even on renewal
2) in Star health if you enter before the age of 61, and your sum assured 2 cr it will not reduce even on renewal.
For new policy after 61 years maximum sum assured is available upto 50 lakh’s.
3) In Star health there’s no rides but all are included in the policy, in hdfc we have to take as a rider.
4) if you see the Primium Star health is value for money
5) in Star health cash less Hospitals are more

[poornimaasija]

Hi, Modern treatments are covered in both but Star Health assure mentions only 12 treatments, does that mean it doesn't cover all modern treatments? Does HDFC cover more than those 12 or the same treatments?

[deyavijit]

In case of OPD cover, which policy is good???
I have family health optima for past 5 years....

[vinodjanmejai]

OPD is now available in Optima Secure plan of HDFC ERGO.

[anuragoval]

Does Optima Secure plan cover biologics? Which comes under advanced treatment for autoimmune diseases??

[shyamnarayanshukla]

Mam I have recurring pancreatitis issue which policy I should take?

[ballampallikishore]

Can we include new born 3 months old in HDFC optima secure policy and if son age is 31 and mother age is 47 then can we include mother in the family floater plan in star health or HDFC ergo policy

[pradeeppatel]

Copay not applicable at any age if policy is taken before 61. Can you please correct the video?

[SK-rrbg]

Kon si policy and kon si co. thik hogi

[ismailjabiulla]

Madam Phonepe mein monthly payment is best solution for health insurance plan

[AmritSingh-bqsb]

Mam is any 16 days new born baby coverage available in STAR ASSURE??? Actually tusi pehla eh v dsya c.

[pradippanja]

Hdfc optima secure mein 3 saal ka premium ekth dene ke baad preexisting disease ke 3 saal (36 months) kam ho sakte hai

[ravindrakumartripathi]

Optima secure me non payable item cover hai
Assure me nhi btai aap

[noorbhatia]

Mam i am a heart patient i have cover of 5 lakhs icici pru health policy my policy 5 year old now my age is 51 now i can switch to this policy or not

[hardikraja]

Is there any sub limit in star assured policy?

[AnilSingh-hgpz]

Hi i have on policy of adity birla Active sure for 10 lac with no claim bonus for last 4 yrs. I plan to increase my some ensured upto 50 lac. Can u suggest any plan

Regard
Anil singh

[SocialMudde]

📌 Really Good comparison 👌👌👍👍 Wow,
But aapse Star ki entry age me screen par mistake hui hai, jahan 91 days likha hai.. wahan 18 years likhna tha shayad.
& One more important thing..jo aapne last me Rec. ka clip add kiya hai..wo sabse achchha laga..usko maine 2 baar dekha.🎉🎉👏👏👏👏👏👏🌹🌹🌹🌹🌹

[vijaybhosale]

मॅडम आप बहुत अच्छा समजते हे धन्यवाद, एचडीएफसी आरगो or केअर हेल्थ इन्शुरन्स कोनसा अच्छा है

[Iam_Rajesh]

In Star, Assure Policy Co-Payment is applicable only if your Entry age is 61 or More not Renewal time. @gurleen Mam