HDFC ERGO OPTIMA SECURE VS OPTIMA RESTORE | HDFC ERGO OPTIMA SECURE

#optimasecure
#hdfcergo
This video is about detailed comparison of HDFC ergo optima secure and optima restore policy. Optima secure policy was launched in July 2021 by HDFC Ergo. This is a comprehensive health insurance policy available in both individual and family floater plans.

Time Stamps
00:00 HDFC optima restore vs secure comparison
02:17 Secure benefit of optima secure policy
03:31 Plus benefit of optima secure
03:58 Protect benefit optima secure
04:24 Restoration of Sum insured
04:53 Explaining these benefits by examples
10:10 How to get discounts in premium?
13:30 Premium Comparison

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[pankajsrivastava]

Thank you sir … 😊 bahut easily aapne samjhaya

[Data.scientistt]

I have watched many videos but yours is detailed and to the point.
You should also include exclusions what these policies don't cover.

[duttagour]

Really, great detailed information.Above all I like your polite voice.wish u all the best.

[rishabhkesarwaniphotography]

V nice video with clarity in explaining. Thanks

[ankankishor]

Thanks for sharing genuine information

[sharatmarar]

Very impressive and to-the point comparison. Thanks!

[deepk]

Kuch alag hai yeh video! Great job my friend! Subscribed and liked!

[sushantmittal]

Really a nice comparison video. Looked like a corporate presentation. This is how comparison should be made, not just by stating everything in numbers. I would request for one more comparison: If one takes 5L secure, and 10L restore: how the net SI and premium would line up.

[debapommitra]

Moder treatment optima secure Mai available hai?

[handsomeheart]

In restore there is no room capping, and one can choose any room . Also what is better restore or secure ...as in restore premium remains same for 5 years but in secure it increases every year

[chirzzzzzzz]

Firstly awesome video and to the point explaination. Secondly I am planning to buy a new mediclaim policy for me and my spouse both ageing 27 years. I have 3 options and confused. HDFC secure, star health comprehensive and Tata AIG Medicare. Kindly suggest the best in terms of claims and premium. Your suggestion will help in my decision. 🙂.

[hitesh]

You missed one detail in Optima secure. There is copayment for first claim per year in optima secure for 25k or 50k or 1 lac, more the amount lesser the policy premium which looks kind of compromise

[kalubalu]

Hi, in HDFC optima secure whether they increase premium enormous or it's stable for the age slab? 5-6% would be ok. I am planning to shift from an existing health suraksha silver plan of 3L SA to optima secure with 5L SA.I am at 51. Existing premium shoot up direct from 15k to 25k with no restoration. Hence better to shift to the restoration plan of 5L instead of taking Top up to the existing plan. Premium will be nearly the same as if taken top up. However in secure restoration with lots of benefits. Please advise if any. Thanks!

[ssmcombines]

Sir, Since 10 yrs Iam having HDFC Optima Restore family floater policy for 10L and this year I added a Super Top up plan for 20L. Should I retain this policy or migrate to Optima Super secure. Kindly advise.

[mohitmahajan]

Hi sir which company is best for health insurance star vs hdfc ergo

[nihaljoshi]

Hello, If any person get diagnosed with any disease like thyroid or diabetes after 1 year of policy issuance then what happens? Do we need to inform to company for it?

[Thamima]

Cristal clear comparison and explaining...👏

[handsomeheart]

Hi, Optima Restore premium is fixed for 5 years but Secure premium increases every year, in such cases what is better...as it is not covered in the above video.

[saimanojchandramahanti]

Sir, 2A+1C (Adult age 32, 29 & child 3 years) from VISAKHAPATNAM which one is best...HDFC optima restore or Young star silver?

[deepalibharankar]

Hi, in Optima secure plan, if secure benefit and plus benefits are fully utilised in future for example on 5th year, then on renewal does these 2 benefits gets added again? And does unutilised amount gets carried forward to next years?