HDFC ERGO Optima Secure Details * 4X Cover with No Additional Cost * NEWLY LAUNCHED HEALTH INSURANCE
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- Опубліковано 21 жов 2024
- ✅ REVISED Changes in HDFC ERGO Optima Secure : • REVISED Changes in HDF...
HDFC ERGO Optima Secure was launched on 19th July 2021. The product has the Secure, Plus, Protect & Restore benefit built - in that combines seamlessly to offer customers upto 4 times their Sum Insured at no additional charges.
In this video, we will discuss HDFC ERGO Optima Secure features, eligibility , premiums , exclusions & waiting periods with the help of easy to understand examples.
To buy insurance policies, click here - hareepatti.com...
Do SUBSCRIBE to our UA-cam Channel for more such informative videos.
✅ UPDATED HDFC ERGO Optima Secure Details : • REVISED Changes in HDF...
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For any queries:
👩🏻🎤 WhatsApp/Call: 9650706699
💌 Mail us at: info@hareepatti.com
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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.
✅ REVISED Changes in HDFC ERGO Optima Secure : ua-cam.com/video/SXQkYwhZ7J8/v-deo.html
Now this is difference Between an Ordinary youtuber having some finance knowledge vs. a CFP, Professional Person. Thank you so much mam. Pray for your good health 🙏🙏
Thank you Sir :)
I am hdfcergo health insurance agent my question is when the customer says why he takes the policy from me only and the policy is very expensive what should be my answer so that the customer feels satisfied
ma'am hdfc aur tata aig dono me se kaunsi company behtar hai..
Hitesh jee , it depends on your requirements from your health insurance plan.
You can contact our team on WhatsApp / Call at 9650706699 or 9810458605.
Thanks
Ma'am how much does premium increase every year? And can premium increase in first 3 years of policy as per law? Please answer! It would be great help, thank you!
This is a great video with detailed explanation of all features. The one thing I would like to understand (for Optima Secure plan) is the hidden catch on room rent capping in one way or the other. They have mentioned that there's no capping on room rent but at the same time they have limited it to single AC room. What I apprehend is that it implies the lowest range single AC room and not any other AC room. Eg: room rent of single AC room is 2k while that of next range single AC room (AC Super, AC Deluxe etc.) is 5k. If you take up the AC Super room of 5k in case single AC room of 2k is not available, only proportionate claim would be applicable to the tune of 40%, rest 60% to be borne by oneself. Doesn't this make all the 2X or 3X or 4X coverage redundant?
Also, few consumables which they display in their brochures as covered items are excluded in their detailed worded policy document.
Thank you Sir, I am glad you liked the video.
Answering your query below:
Yes, it is single private AC room which includes deluxe category room as well, Suite and other higher category rooms are not allowed. So, the concept is a room which is single, higher category rooms are usually double rooms - for eg suite.
Consumables are covered in Secure plan.
@@GurleenKaurTikku I have confirmed with HDFC ergo...deluxe and premium single rooms are not eligible. This is why I have cancelled my policy as it was within free look period.
@@brianmouses28 how did u confirm.
@@brianmouses28 which one u took finally
@@brianmouses28 which policy to take then as per your suggestion ?
Hello Mam, which is the best health insurance policy for a 45 year old man with pre existing diseases like asthma and thyroid.
Hello jee, kindly share your details by filling up this form : hareepatti.com/contact-us/
Our team can help you & suggest the suitable plan.
Thanks.
Hi,
Please clear a doubt. Is this policy cover -> same illness same person ?
Yes, restore benefit is for same person and same illness too once a year
Plus benefit is one time? If plus benefit amount gets used fully in the claim..will it get refilled or added again??
what You say about Digit health insurance..?
explain please digit plans..
Yes, we are planning to post a video on DIGIT Plans soon !
STAY TUNED :)
I just want to know for maternity benifit in this policy?
25K aggregate deductible means exactly what
Is it applicable each time we visit the hospital, any no. Of times in a year?
Mam my mom DOB 15.10.1960. WHICH IS THE BEST. 15 LAC POLICY. OPTIMA SECURE OR OPTIMA RESTORE WHICH IS THE BEST. NO DISCOUNT I WANT.
Hello , Thanks for reaching out. Please get in touch with us on WhatsApp/Call at 9650706699
or you can fill up this form with basic details & our team can get in touch with you.
FORM LINK : hareepatti.com/contact-us/
Room capping is a major drawback (
Both the plans have different features, Optima secure has benefits of Optima restore + some additional benefits like - secure, plus, protect benefits.
@@GurleenKaurTikku OPTIMA SECURE ONE OF BEST FEATURES PLAN IN HTH INDS PRESENT NOW
Max Bupa reassure or HDFC ergo optima or HDFC ergo Secure?????
Does optima restore has room rent or room type capping. So many options. Confused so have not taken health insurance
Religare care plus seems to have best features
You are two nice and genuine lady. Thanks for helping me over the call.
Thank you so much , keep watching ! 😊
Hello mam please guide me hdfc ergo best hai claim settlement me ya star ki comprehensive plan sahi rahega matlab mam kaun si company best hai claim settlement me please reply mam
Dear Gurleen, if I am not wrong, you have skipped the premium increase rate per year in secure. How much percentage it is increasing and will it be profitable as compared to the optima restore rate hike which is at an age interval? Requesting for early response.
Percentage increase is approx 3-4%, almost same increase in both the plans
Ma'am Aditya Birla platinum enhance vs hdfc ergo optima secure which is best
Depends on various factors.
You can contact our team through Whatsapp at 9650706699
Thanks
Hello Ma'am, I may have missed it but could you please tell me if there is any limitations in rooms. I personally would buy this if there is no room capping and copay.
Please connect with us on WhatsApp/Call at 9650706699.
Our team may assist you with all your queries.
Thank you 😊
Ek din mam ka youtube channel asman chuyega 🙏🙏🙏🙏🌺🌺🤗🤗🤗
Thank you so much jee :) Keep Supporting !
I want to know whether optima secure policy cover features like mordern treatment and robotic surgery because I was unable to find it in the brochure and policy wording please can you tell me about it .
I want to buy it.
Sumit jee, yes, it is covered. I have official communication from HDFC ergo's team , I can share the same with you over email.
You can get in touch with our team at 9650706699 or info@hareepatti.com
Restore dialyais chaemo me apne clarify nai kiya...pl.explain after looking policy wordings
Hello Ma'm can you please make a video on Magma HDI onehealth health insurance policy?
Noted, we will make a video soon
Thanks :)
Very informative video and however i have some query in HDFC ERGO Optima Secure policy and please advise-
How much Life time same premium and
Room Rent cap and ICU Room and pre &
post hospitalization and road ambulance and organ donor and no claim bonus and every year free health check up and pre existing disease and co payment.
Thanks, I am glad you found it useful :)
Premium will increase every year as per age
Room rent & ICU room rent - Single private AC room, Deluxe/ semi deluxe except suite below 50 lacs sum assure and no capping for 50 lacs+ sum assured
Pre & Post hospitalisation - 60 / 180 days
Plus benefit in lieu of No claim bonus - 50% first year and 50% second year
PED - covered after 2 years
No co payment
Complimentary wellness health checkup every year
I am 65 years 10 months old . Can I be covered under hdfc optima secure? My wife is 61. I want to have a policy for myself and my wife.
Yes, you can buy. ✅ To buy the policy, you can connect with us on WhatsApp/Call at 9650706699.
Our team may assist you for the same.
Thanks
Modern treatment and robotic surgery Cover upto Sum Insured or sub limit applicable. Plz confirm
REVISED Changes in HDFC ERGO Optima Secure : ua-cam.com/video/SXQkYwhZ7J8/v-deo.html
Highly skilled lady
Thank you ! :)
Madam ji bhut hee vadia information tusi diti hai its help us a lot
Thanks jee :)
Thanks Madam! It's Very Informative! Still I have questions
1. I am already having HDFC Ergo standard policy of SA 3 Lakh, now I want to go with this policy. During porting to this policy from same company Whether my accrued benifits will remain intact including waiting period already covered for some slow growing special diseases.
Glad that you found our video informative 😊
Answering your question - Yes, accrued benefits will remain intact as it is an internal portability.
Thanks
Good info, but I think you missed out on one very importnat point regarding premiums we pay every year,
Optima Secure: premium increases every year of premium payment.
Optima Restore: premium increases after we cross a certain age bracket, eg; 25 - 35 age fixed premium amount year-on-year, 35 - 45 age higher premium fixed amount year-on-year
Ganesh jee, covered this point at @1:30 in the video, please check.
Thanks
Okay got it
@@GurleenKaurTikku have you edit it again,coz I'm not seeing this point @1.30
Namaskar. Does this include COVID treatments?
Yes, it includes COVID hospitalisation
Hi Ma'am, thank you for the great video. I have couple of questions
1. If I take annual deductible will the discount be applied for all the upcoming years or only for 1st year.
2. Are dental treatment covered in this policy.
3. Since the premium will be calculated every year, they might start increasing the premium steeply after 2-3 years to compensate the starting low premiums. Any thoughts on this?
4. Also which one will you prefer HDFC optima secure or TATA AIG Medicare premier.
Please please do answer this question, will help me a lot, i am really confused about it.
Hi Prathamesh,
Answering your queries below:
1. If I take annual deductible will the discount be applied for all the upcoming years or only for 1st year.
The discount will be applied every year.
2. Are dental treatment covered in this policy.
No, they are not. The dental treatment if arising out of accident will be covered in IPD process.
3. Since the premium will be calculated every year, they might start increasing the premium steeply after 2-3 years to compensate the starting low premiums. Any thoughts on this?
The premiums can be increased in any health insurance policy, but increasing steeply without any justification will not be there.
4. Also which one will you prefer HDFC optima secure or TATA AIG Medicare premier.
Between the two plans, HDFC secure will be preferred
@@GurleenKaurTikku thank you so much
Plz make video on comparison between Max Bupa and HDFC ergo.
We have already made comparison videos between Max Bupa & HDFC Ergo Plans ON OUR CHANNEL.
Video Link Reference : ua-cam.com/video/SQ_GHoIBmJk/v-deo.html
Thanks
Good morning ma'am
I am 22 year old .can I take this plane. this is good for me .please guide me I am confused because lot of plane is here. This plane is very good but OPD not cover .please suggest
Yes, will be paid.
Madam pregnancy per cover karta hai ki nahin HDFC
I have checked with HDFC customer care. They have confirmed that single ac does not include premium or deluxe ac single rooms. Just the basic single room ac is eligible. Be careful before porting or buying this policy.
From Hdfc ergo team
"We would like to inform you that single AC private room does not have impact of deluxe category."
You are the best 😎 binge watching your videos. I know you are doing this in busy schedule but if possible please consider English captions for South Indian followers . Thank you again
Hi, we try to mention as much information in the caption of our videos now. You can check our latest videos, the information is more in tabular forms.
But , thanks for the wonderful feedback , we will definitely try to work on it. 😊
Does it covers Covid19 related medical cost? if I buy this policy and after 1 year iam having a major health issue with Heart or Kidney, wil this policy covers that?
Yes, hospitalisation due to COVID 19 is covered.
yes, it will cover provided it is does not come under specific exclusion or permanent exclusions.
you can refer below video on exclusions.
ua-cam.com/video/A28UcDNVNj8/v-deo.html
Very clear and precise explanation.
Keep up the good work madam !
God bless you !
Thank you jee, I am glad you found it useful :)
If we switch policy from 1 company to other, our old policy Pre existing deases year can be count in new one?
Yes, the continuity and coverage will be carried forward
Plz compare with optima Restore. I purchased just before 15daya after watching ur last vdo of optima restore. Should I continue with my Existing policy or Go with optima secure. Plz give suggestions. 🙏🏻🙏🏻🙏🏻
Continue with optima restore. You can migrate at the time of renewal next year if you wish to.
Even i purchased optima restore 4 days back
@@GurleenKaurTikku okk thank u madam
@@Jiwonsharma Continue with optima restore. You can migrate at the time of renewal next year if you wish to.
Can we add another family member in an existing policy like new born?
Yes, you can !!
What about single private ac room? that is making me think whether i should go for it not
So, Single private AC room is also covered till deluxe category.
Thank you Mam for making such a detailed video for us. I wanted to confirm if the plus benefit will be there for every year till the time I continue this policy? Lets say I buy it today at 30 years of age and continue it for next 30 years (till my age is 60). The plus benefit will increase my cover every year then. If yes, than that means by cover will be very high by the time I get 60, right?
Yes, plus benefit will continue for lifetime with your policy
One of the best plans imo
Indeed !
Mam mujhe konsa lena he please
Thanks, Gurleen(Guru) for in detailed info.
Thank you :)
Very well explained mam. I have already purchased this policy for myself and after watching your detailed explanation I am convinced that I have taken the right decision. Thank you. Keep up the good work and keep guiding us.. 👍
Arre wah, That's nice :)
@@GurleenKaurTikku
One quick question for you, please reply.
I need to buy health insurance for my parents. Should I buy individual insurance or one insurance(family floater) for both of them ?
Should I buy this insurance for them. There is no existing/ pre-existing disease.
Thanks.
@@aakarshjaiswal2272 Please get in touch with us on WhatsApp/Call at 9650706699 & we can help you choose a suitable plan according to your requirements
Thanks
Ma'am which one is better HDFC optima secure or Aditya Birla diamond plan?
Please reply
Mohan jee, it depends on your requirement. Both are completely different products.
@@GurleenKaurTikku
Ma'am please guide me...
I want to take family floter - I, my wife and son age (35,37 and 10). SI 10 lac so which will be best with low premium.
@@mohantripathi8161 Please get in touch with us on WhatsApp/Call at 9650706699 .
or You can fill up this form & our team can connect with you directly.
FOR,M LINK : hareepatti.com/contact-us/
Thanks
@@mohantripathi8161 which plan you buy?
In case if I missed one premium what is the next option ? Will I be able to continue same insurance or not?
There is a grace period of 30 days to renew your policy as per IRDAI, after that you will have to go for fresh policy
Nicely Covered.. Thank u.. Please compare with Max bupa reassure..
Jee, will share shortly
But Tata AIG health insurance company Medicare primer policy and Medicare policy only one company cover non medical expenses without any rider/add on
@@SameerShah-jh9yc Yes Also OPD is covered upto 5k in Tata AIG medicare
@@MySpace-i8k any perticular reason/experience do u have.. Please share..it will help me..
@@MySpace-i8k Thanks Himanshu for sharing.. 🙏
Mam peritoneal dialysis cover in this policy or not
Hi ma'am if I choose aggregate deductable for 25k and if my first claim was 1 lac then i have to pay 25k on my claim settlement and rest 75k will be paid by insurance company. Then same or next year again 2nd claim if same 1lac senior the this amount 100% paid by insurance company or i have to pay 25 k again that's the confusion?
It is annual aggregate deductible, so deductible will e applied only once in a year.
2nd claim will be paid in full by the insurance company
Very Welled Explained have cleared after watching video, so much efforts 👌 to make n explain, Thanks a lot.
Glad to hear that, Thank you !
Can we chosee aggregate deductible and go for cashless claim ? Or if one has chosen aggregate deductible it always has to be reimbursement claim only ?
It can be cashless as well as reimbursement both.
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!
It is 2-5% increase every year in HDFC secure every year
hdfc ergo officials are telling that continuity benefit will not be given to people who want to shift from hdfcergo optima retore to hdfcergo optima secure, due to which i had to buy a new optima secure policy without getting any continuity benefit of optima restore which i had since last 1 year. what is the correct information regarding continuity benefit of shifting from restore to secure.
thanks
Sajay jee, Internal migration from one plan to another is allowed by company recently , however the process for the same is yet to be floated.
Good mam आप ने बहुत अच्छा समजाया प्लान को good
Thank you jee :)
Hello dear
Can i buy it for my younger bro who is 27 yrs and have diabetes type1 and kidney problem
Plz guide
It is difficult to get policy for him
Maam does this policy cover modern treatments? The policy wordings doesnt say anything.
We have made a video on the latest changes in the plan. Please check these 2 videos. LINK : ua-cam.com/video/B7Bi8qjNcLY/v-deo.html
and ua-cam.com/video/SXQkYwhZ7J8/v-deo.html
If you still have any queries, connect with us on WhatsApp/Call at 9650706699.
Our team can assist you.
Thank you & keep watching !
Madam good highlights but I was looking more in deep for coverage specifically not much limits, so is it possible to advise specially what all coverage for diseases are there and specifically what all are not covered???
Ravi jee, you can go through the policy wording or may get in touch with our team at 9650706699 / 9810458605.
Thanks
madam, WHICH IS THE BEST plan from hdfc ergo for Sr. citizen Female....
Hello jee, please get in touch with our team on Whatsapp / Call at 9650706699. They can help you out. :)
Nice video mam, make an video on comparison with max bhupa reassure & hdfc optima secure with features and premium difference.
Je,, will share shortly
Hi Mam, Very nice information. I wanna know that ibs(irritable bowel syndrome) is cover in health insurance.
Yes, covered
If I choose aggregate deductible of 1 Lakh and with the premium saved take another policy of lower base sum assured. Can this 1 Lakh which we paid can be claimed later with the second policy?
Absolutely stunning explaination. loved it. 💕 Got everything so clear.
Thank you so much !!
Similar to other policies, this also has a tax benefit of 80(D) Right?
Yes
Brilliant video mam .... hats off to u for ur indeapth research
Thank you so much ! Keep Watching :)
Any video on hdfcergo ipa
can a person seek hospitalisation anywhere in coutry or only in their own city
The coverage is all over India
Mam, mostly we see , they don't settle the claim and reject the claim. For on or orher reasons. IRdai should formulate policy in such a way thar, there should be no scope of rejection of claims
Can this deductible amount be paid from my Office Insurance policy of small amount ? and claim the discount :)
Yes, deductible can be paid from anywhere - from your own or any other company's policy.
That way , you will get discount on premium.
I don't see an option to buy "Optima Secure" for individual. Can you please clear this?
Hi Pavan, I can see on HDFC ergo home page the option to buy policy, there you can select for individual / family Floater plan.
Is there a sublimit on any illness?
No sub limits
Family floater me agar 1 yr me sabke claim aane par deductable 1 bar Dena hoga ya 4 bar. Aur ye Fix hoga ya inflation par badhega.
once a year for the first claim only
Perfect information ma'am. Can any one buy this hdfc ergo plan , with only one kidney by birth, with no any other illness.
Thank you so much, we need more medical information to guide you for the same. You can connect with us on WhatsApp at 9650706699.
Our team may assist you 😊
Very nice advice 👍
Glad it was helpful!
please tell how the cumulative bonus works in this policy?As per policy wording with each claim free year CB will be applied/increased at 10%.
Adarsh jee, There is no cumulative bonus in this plan.
How top up plan work on policy
Kya top up lena chahiye
Pre medical check compulsory for this policy?
Hi thanks for the detailed video. Want to understand one thing. Currently I stay in Tier 1 city where I am working, but my permanent address is in Tier 2 city. There is around 15% difference in premium in both cities. If I opt for permanent address, will create any issues in processing of claims or undergoing medical tests etc in tier 1 city?
Rohit jee, it is ideal to have a policy based on your place of residence to avoid hassles at the time of claims etc
@@GurleenKaurTikku which types of hassles at the time of claims, as you already said in the video that there is no copayment in this case.
@@dm9060 I have the same question, @Gurleen Kaur Tikku , please answer...
@@GurleenKaurTikku Please answer
Nicely explained 👌 one question I already have company provided health insurance cover so shld I take private policy now and renew it every year or should I take after I retire at the age of 55... how much would be premium difference???
Santosh jee , it is advisable to buy stand alone Health insurance at early age as
It will be easier to get policy if no co morbidities are present
The premium is lower
You get continuity benefits and you have fully covered insurance at the age of 55
The employer cove May not be enough
The premium is charged as per age then premium will be ascertained, at that time only
Madam one more doubt is premedical required if we buy policy? One agent said it’s not required. But I am doubtful what he says.
We want to go for 3 yr plan to avail 10 % discount on premium
Yes, pre-policy medical checkup is not required, policy will be issued as per the application form filled and medical disclosures done
No room rent caping above 50 laks only , before 50 laks no suit room given
👍
Hello mam, does this policy cover any pre existing diseases.
Yes, disclosed Pre existing diseases are covered after 3 years.
Depends on what the PED is.
@@GurleenKaurTikku hello mam can you make a video on list of all the pre existing diseases.
Hello.. Can you project premium for renewal after 65 years considering policy is issued at age of 65 years? Just want to understand premium range for age band 66-75 years considering that this policy can be renewed for life long if entry age is before 65 years.
Hi Siddharth jee, the premium is currently available for 66 and 67 years, the calculation will depend upon your location and sum assured.
You may get in touch with us at 9650706699/9810458605
Ma'am if I'm taking deductible option of rupees 25000 I wants to know this amount will be deducted in every claim or once in a year ?
Once a year
How to get maternity delivery expenses insured with optima restore policy.
Not covered in Optima restore and no option to cover as well
क्या मेडिक्लेम पालिसी hone par हॉस्पिटल महंगे बिल बनाते हैं ?
This actually varies from hospital to hospital, I can't comment on this.
Hello mam, Optima super secure definitely seems too good a plan to be true. But again, it's 10L premium can be comparable to 20L base cover of other companies. So it's double the price can say.
And if hdfc somehow plans to stop this plan, and migrate us to 10L base cover another plan without 2x/3x benefit whole value is lost. My dad being 61, as he gets more older his health may detoriate and providers might not be up for upgrading the plans. Because irdai only guarantees base cover when plan is migrated etc. How much is the certainty that I will get lifelong renewability in this offering?
Or it's rather recommended to buy from other insurance providers for higher base cover? What do you think from your experience?
Hello Amol jee, the plan can't be stopped in between by the insurer.
If there are any changes , they will be informed well in advance to you before next policy renewal and if you don't agree to those, you can port or change the plan
This is applicable for all insurance plans.
@@GurleenKaurTikku thanks for the quick response.
So that's my only concern, if some fine day morning HDFC ERGO feels 3x benefit is too much optima super secure and makes it 1x. Plan totally loses its value.
If then I want to port/change plan only base will be carried.
If a newer plan am moving to, with just 1x benefit like Optima Restore, and I want to increase base cover then, HDFC ERGO might not agree (as dad will be more aged then, and might have new pre-existing diseases). Only a 10L base cover will be carried.
Is my concern even valid? What do you suggest? Or do you think it's the flagship plan of HDFC ERGO, and I should just trust them and move ahead?
In video you explained about pre policy medical checkup but the HDFC executives are saying that they do not conduct pre policy medical checkup.
Please give Your views on that.
PPMC - Pre policy medical checkup depends on the age and medical history.
I have a question...icu bed or ventilation rooms are available in this policy of 5lac policy
Yes ,available
Hi mam your videos are very helpful. Is there any caping on icu rent?
Does hdfc optima secure covers all day care treatments. Because nothing is mentioned about that in the pdf provided on the hdfc ergo website.
Yes, all day care treatments are covered
Is porting in facility available for this policy? The website is showing only the option for buying a new policy.What about the other policy holders who want to switch?
Yes, Portability is allowed. Currently they are doing offline portability, you cant do through website.
Maam in optimal secure, is there aggregate deductible?. I mean if I insure 5 lacs, then is there any money I have to pay out of pocket of the claim. Is aggregate deductible included in this plan.
If you choose annual aggregate deductible , then you will have to pay the deductible amount from your own pocket.
Hello mam,
I understand your video really well. All the points are well elucidated. You need some background knowledge to ensure this video makes sense.
I just have one query
I am currently on restore and i will be moving to secure from may 17 2022.
Will my multiplier benefit of the restore plan be carry forwarded? I have a 5 L multiplier benefit.
My policy is for 5 lakh. So will it work like this
First year
5 L (base sum)+ 5L ( secure benefit)+ 5L ( multiplier benefit) which is 15 lakh. And ofcourse rider protect and restore benefit from second claim onward capped to sum insured.
Year 2
5L +5L +5L +2.5L which is 17.5 Lakh. Now my question is the total bonus value is 5+2.5 which is 7.5 which is higher than base sum..so will it be allowed? Since 5 L is the erstwhile bonus from restore.
Year 3
5L +5L+5L + 5L which is 20L
And fourth in year onwards it will stay 20L if i don't upgrade my base sum. Since max bonus value is reached capped to 5L.
So i started with 5L base sum and @ the end of 3 years its 20L because of the previous policy bonus benefit.
Also what happens if i use my multiplier bonus 5l saved from restore policy. Once it's exhausted only plus benefit will exist since i m on my new plan now
Will this plan cover surgeries as soon as we take it or we have to wait ?
There are certain wating periods, mentioned in the brochure.
Hi ma'am saw ur videos they r good for knowledge ma'am can u help which is best policy to take 7lakh to 8 lakh cashless
Thank you so much for the appreciation.
Sure , Please get in touch with us on WhatsApp / Call at 9650706699 .
Mera pas optima secure 5 lakh ka he...3 yr tenure ka liya hu...kya mai 1 yr ke baad base assured badha sakata hu...or second is..muje optime super secure plan chaiye usme port ho sakata hu ?
OPD benefits not available?
What does it means.
OPD is out patient department which is mainly for doctor consultations and small procedures where admission and discharge is not required in a hospital.
they are not covered in this plan.