Optima Secure, an indemnity-based health insurance policy by HDFC ERGO, has been launched

According to HDFC ERGO, the policy has "secure, plus, protect, and restore features," that unite to provide consumers with four times the total covered at little or no added charge, as well as protection for non-medical costs.

According to HDFC ERGO, the policy has "secure, plus, protect, and restore features," that unite to provide consumers with four times the total covered at little or no added charge, as well as protection for non-medical costs.

The introduction of Optima Secure, a new health indemnity insurance policy from HDFC ERGO Standard Insurance, proposes an innovative the value consumers may obtain from the healthcare plan.

According to HDFC ERGO, the policy has "secure, plus, protect, and restore features," that unite to provide consumers with four times the total covered at little or no added charge, as well as protection for non-medical costs.

The policy has four main aspects- 

  • Ensured profit: In this scenario, it quickly and accurately doubles the medical insurance when a policy is purchased.
  • Plus:   In this instance, even though there is a demand, it automatically increases the basic coverage by 50% after one year and to 100% after two years.
  • Restore facility: If you lose out the of covering amount, the insurance will reinstate up to 100 percent of your base reportage.
  • Protect benefit: It guarantees that consumables and non-medical costs are not deducted.

Commenting on the new policy, Ritesh Kumar, MD & CEO, HDFC ERGO General Insurance Company said, “Optima Secure will redefine the value customers can get from their health insurance plan. At HDFC ERGO, we will continue to innovate and bring breakthrough products, backed by leading edge technology, to the market across all our businesses. Our innovative products, state of the art technology and our financial strength mean that our customers can trust us to be there when they have a claim.”

Ravi Vishwanath, President – Accident & Health Business, HDFC ERGO General Insurance Company, said, “We listened to our customers and have developed a product that protects against rising healthcare costs, is simple to understand, and offers tremendous value. The Secure, Plus, Protect, and Restore benefits work together to give customers 4 times the coverage.”

“The product offers broad coverage from 5 Lacs to 2 Crore. With the value buy option, customers can get more than a 50% discount. They can access cashless services at nearly 10,000 hospitals across the country. In Optima Secure, there is a coverage level and premium level available that is right for every individual and family.”

 

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