HDFC ERGO Optima Secure VS Optima Secure which one is better?
Take it or say it, both of them are similar in appearance. There are many such situations when they get confused between the two, which is why it is important to understand the correct comparison.
HDFC ERGO Optima secure vs Restore of HDFC ERGO Optima secure vs Restore between two heads. Understand that both the plants belong to the same insurance company.
We are going to discuss the differences between these. Comment Features 7 basic differences and the difference in both the plants will be especially in the features. Let us now come to the differences between them, like Sikar. Benefits Value Benefits Protect Benefit Plus Benefit This plant provides coverage of medical expenses in India as well as global health tax it. You will also get the benefit of preventive health checkups and automatic restoration.
On the other hand, HDFC ERGO Optima Restore is a good medical coverage that takes care of the health of the individual and their family. It has a restoration benefit that covers sudden or planned medical expenses like hospitalization, ambulance services, DK treatment, domiciliary treatment, and extras. Apart from this, this policy also offers other benefits.
Like Multiplies Benefit Share Accommodation Preventive Health Checkups Now let’s talk about the common features in both the plants HDFC Optimus Sikar and HDFC Optima Restore Network Hospitals Both have more than 11300 network hospitals Claim settlement ratio in both is 97.5% Co-payment options in both Room rent is not available.
There is an option for other rooms in both plants. Pre-existing disease waiting is three years for both plants. Pre and post-hospitalization is 60 to 180 days.
The sum insured option in both the plants is Rs. 3 lakh to Rs. 1 crore in Restore and 5 lakh to 2 crore AYUSH treatment is not available in Sikar and in Sikar, you get coverage of AYUSH treatment. Talking about maternity cover, now coming to the basic difference, The first basic difference is that customer gets Sikar benefits in HDFC and Co Optima Sikar plans. In this health insurance plan, you get additional coverage up to 100% of the base amount.
In short, your coverage also starts immediately.
Maternity cover is available in both options. You will also get the option of giving it to both plants.
HDFC ERGO o Optima Restore Health Insurance Plan When you make the first claim, 100% of the basic sum is immediately restored.
In this plan, the restore benefit is activated when the basic sum is in short and multiplied. If the benefit is applicable in this plan, it can be availed in whole or in part. This benefit is available to all these short individuals.
Second 2X* during the inpatient benefit for the next claims in Benefits HDFC ERGO Optima Sikar 2X* Benefit Meaning Coverage DOUBLE THE INSURANCE COVERAGE IN THIS PLAN IS DOUBLE IMMEDIATELY IT MEANS THIS SHORT INDIVIDUAL GET 2X THE COVERAGE FROM DAY 1 WITHOUT ANY ACTION OR CLAIM REQUIREMENT AND WITHOUT ANY ADDITIONAL COST HDFC ERGO OPTIMA RESTORE The benefit is that your coverage doubles after two claim free years. For every claim-free year, you get a bonus of 50% of the basic sum in short but it is 100% so that the multiplier benefits in 2-year policies if you choose the policy duration.
If you purchase for 2 years then you get a 7.5% online discount and if you purchase for 3 years then you can get up to a 10% online discount.
There is an additional 7.5% discount offer in Optimum and Store on the premium. If the 2-year policy opts then the fifth daily cash for share accommodation is available in Optimum Secure at only Rs 800 daily cash and in Optima Restore at Rs 800 per day or thousand rupees.
Daily cash available for choosing shared accommodation 6 Ambulance Road HDFC ERGO Optima Sikar Ambulance cost on the road is up to Rs 2000 if insured and if otherwise insured then up to 5 Luck Optima Restore Ambulance cost on the road is up to Rs 2000 Same and Ambulance has the option of up to 2.5 lakh sum in short, Optimus Sikar has the option of 5 lacks, 10 lakh, 15 lacks, 20 lacks, 25 lakhs, 50 lacks, 1 crore, and 2 crores, while Optima Restore has the option of up to 3 lakh, 510 lacks, 20 lacks, 25 lakh, 50 lakh. If there are options for the same shot, then these were the basic differences and options of both the plants.
If you have now known, then also know that both these plants are specially designed for the different needs of different individuals so that their family remains financially protected.
You can make your plan as per your choice and needs.
