OPTIMA SECURE

Optima Secure Health Insurance: Key Benefits Explained

Optima Secure is a health insurance plan by HDFC ERGO that offers robust protection with unique features designed to maximize coverage for policyholders. This plan provides comprehensive health benefits while being tailored to offer financial ease and security. Below are the main advantages of choosing Optima Secure:

1. High Coverage with the ‘Secure’ Benefit

• One of the standout features of Optima Secure is its four-fold coverage enhancement. This plan provides a base sum insured that can be increased through the ‘Secure’ benefit, automatically doubling the sum insured at no additional cost.
• For example, if you have a base sum insured of INR 5 lakh, it will instantly be doubled to INR 10 lakh under this benefit.

2. ‘Plus’ Benefit – Boost Your Coverage in the First Year

• Optima Secure further increases the base sum insured by up to 100% in the first policy year with no additional premium. This provides substantial additional coverage, especially valuable in cases of high-value treatments and prolonged medical care.
• This benefit can be especially helpful in managing unexpected medical expenses in the early stages of the policy.

3. ‘Secure, Plus, and Restore’ Features for Extensive Coverage

• Besides doubling the base sum insured, Optima Secure also offers ‘Restore’ benefits, automatically restoring the sum insured if it gets exhausted during a policy year.
• This is particularly advantageous for families or individuals who might face multiple hospitalizations within a single year, as the plan essentially replenishes the sum insured, ensuring continuous protection.

4. Affordable Premiums with Value-Added Benefits

• Optima Secure is designed to be affordable while providing extensive coverage, making it accessible to a wide range of people.
• Additionally, the plan offers valuable services like cashless hospitalization, which minimizes out-of-pocket expenses and provides convenience during hospital admissions at network hospitals.

5. Pre- and Post-Hospitalization Coverage

• Optima Secure offers pre- and post-hospitalization benefits, covering medical expenses before and after a hospital stay.
• With 60 days of pre-hospitalization and 180 days of post-hospitalization coverage, this plan is comprehensive in helping policyholders manage medical expenses related to prolonged treatments or recovery.

6. No Room Rent Capping and Coverage for Modern Treatments

• Optima Secure does not impose any capping on room rent, meaning policyholders can choose their room type without worry.
• It also covers modern and advanced treatments like robotic surgeries, organ donor expenses, and AYUSH treatments (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy), expanding its scope to accommodate diverse healthcare needs.

7. Lifelong Renewability and Tax Benefits

• This plan offers lifetime renewability, ensuring that policyholders can stay covered as long as they need.
• It also comes with tax benefits under Section 80D of the Income Tax Act, providing policyholders with tax savings on premiums paid for themselves and their dependents.

8. Personalized Health Assistance and Wellness Rewards

• Optima Secure promotes wellness by offering health assistance services, teleconsultations, and wellness rewards. Policyholders can accumulate reward points through healthy habits or by using the plan’s wellness services, which can later be redeemed for discounts on renewals or health services.

9. Emergency Worldwide Coverage

• This plan provides worldwide emergency coverage, which can be a lifesaver if medical help is needed while traveling abroad. 
  
  

Conclusion

Optima Secure is a unique health insurance plan that goes beyond conventional coverage limits with its doubling, restore, and no-capping features. With its extensive network, flexible coverage options, and comprehensive support for advanced and alternative treatments, it is designed for individuals and families looking for thorough protection at an affordable rate. Optima Secure not only promises health protection but also encourages wellness and preventive care, making it a robust choice in health insurance.