ICICI Lombard Elevate VS HDFC ERGO Optima Secure | Health Insurance COMPARISON | Gurleen Kaur Tikku

ICICI Lombard Elevate is an unlimited health insurance plan that provides unlimited sum insured options and access to an infinite claim amount with the Infinite Care benefit.

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.

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
0:35 Incurred Claim Ratios
0:50 USP of HDFC Ergo Optima Secure
1:55 USP of ICICI Lombard Elevate
2:47 Eligibility Criteria
3:42 Bonus
4:40 Refill Benefit
5:32 Difference in Optima Secure & Elevate
7:11 Waiting Periods
7:45 Optional Riders
9:32 Premium Calculation
9:58 Conclusion
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#hdfcergo #icicilombard #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 19 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.

[GopalRoy-nnft]

claim ratio, rejection ratio, TPA process and what lopp holes these company do
even porting options should be covered

[devendranaidu]

Tx for valuable comparison . Its empowering a lot of insurance advisors as well to understand things correctly and communicate the same correctly to clients . God bless u for helping others grow their business indirectly, also for helping society to get correct insurance policies .

[PramodKumar-qxdd]

@Gurleen ji, you missed to mention that infinite care with ICICI can be utilized only once in whole policy term. Kindly correct if I am wrong.

[rajeshnair]

Waiting period can be reduced in elevate for PED and Specified illness from 3-1 and 2-1 respectively

[manu]

Ma'am HDFC ergo optima restore ko optima secure me port karana sahi rahega.thanku.

[InsuranceRp]

Mam as per our knowledge optima secure plan maximum entry age no limit

[anuprustagi]

Maternity cover ke liye which policy is best....pls refer

[hariharaa]

Voluntary co payment is available in elevate.

[JaiShreeRamIndustries]

Madam last main je jror bato kon si policy best hai

[avijitpaul]

Icici mein konsa addon most important hai

[rohitgarg-fr]

Maam what about the 90 days wilting on critical illness thats a very important point to be told here

[soumyadeepsaha]

Ma'am please make a video on the difference between health checkup rider and befit rider.

[personalgrowth]

Elevate me unlimited kis cheez ka hai without rider

[siddhardhdevanshragala]

Hello madam, Can you make a video with comparison of Care Supreme and Elevate pls

[yogeshkumarshukla]

Icici Bank se buy kar sakte hai health insurance?

[mayank]

Peritoneal dialysis only Niva Bupa co cover karti hai

[altafyallapur]

Mam please make video on Acko platinum health insurance exclusion by going policy wording

[SS]

Hi, I am interested in buying a health insurance, how can we get in touch ? I am only interested in talking to you. Sorry but your sales team lack clarity

[komaljain]

hdfc ergo optima restore policy me insured badha sakte hai or uska ncd khatam ho jayega kya?

[ranjodhsingh]

Mam jab bhi aap policy compare ja review karte hain to company ki policy wording ke bare mein bhi bat diya karo