HDFC ERGO Optima Secure Global Plan
Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclusive HDFC ERGO Optima Secure Global Insurance Plan.
HDFC ERGO Optima Secure Global plan is known for its vital and extended coverage within or outside India, it covers you without any boundaries. It’s a subordinate of the HDFC ERGO Optima Secure health plan that comes with two variants- Optima Secure Global and Optima Secure Global Plus. We’ll be discussing the first variant of this plan type, ie, HDFC ERGO Optima Secure Global Health insurance for both a family floater and an individual basis.
The plan offers an ample sum insured of INR 1 Crore to 2 Crores that provides coverage for hospitalisation expenses, pre and post-hospitalisation, organ donor expenses, AYUSH treatment, emergency ambulance, air ambulance, e-opinion for listed 51 critical illnesses, and much more. This is just the beginning of the plan benefits! It offers you all the mentioned coverage benefits and medical expenses that are incurred within India or outside India without additional or separate charges. Given that, the treatment cost incurred shall not exceed the base sum insured of your policy (unless it’s the Plus variant) related to your treatment in India and overseas.
Also, there is an availability of aggregate deductible if the treatment takes place in India, but not overseas/at a global level.
Being a policyholder, you are entitled to buy different add-on covers based on your requirements that will allow you to further complement far-reaching coverage benefits. The available add-on covers under this plan are as follows:
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My:Health Critical Illness (Add On)
Get exclusive coverage for listed 51 critical illnesses with a sum insured of INR 10 Lakhs to up to INR 2 Crores (in multiples of INR 1 Lakh).
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My:Health Hospital Cash Benefit (Add On)
Get an additional sum insured benefit of INR 500 to up to INR 10,000 that will cover your budget hospital expenses.
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Individual Personal Accident Rider
The plan provides you with the benefit of a lump sum payout in case of accidental death, permanent partial disability, and permanent total disability. The amount of payout can go up to a sum insured value multiplied by 5 times up to a maximum of INR 1 crore.
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Unlimited Restore (Add-on)
The plan offers unlimited restoration benefits during the active policy year (supposedly, the base sum insured cover increases by 50% on every renewal).
Apart from this, there is an extra add-on cover named Overseas Travel Secure that is available as an optional cover with this Global plan. This optional cover ensures the insured individual’s travel expenses, along with the accommodation expenses of an accompanying person (if any), in case the policyholder has to travel overseas for treatment. If the policyholder chooses an aggregate deductible option, there will be the benefit of a discount ranging from INR 25,000 to INR 5 Lakhs (available in India only).
Last but not the least. Here’s something wonderful that will create a jaw-dropping expression on your face!
The HDFC ERGO Optima Secure Global Health Insurance plan comes with a 4-level sum insured restoration benefit that goes like this:
So Much Coverage
Health Cover SI
Suppose you select a sum insured of INR 1 Crore, the base SI will cover your medical expenses as it’s issued to you.
Secure Benefit
As soon as you have access to the policy, it’ll be doubled to INR 2 Crores for extending the coverage benefits of your policy, without paying any extra cost. But, this benefit is only available in India not overseas.
Plus Benefit
The value of the sum insured is increased by 100% which is specified as; on the first renewal of the policy after completing 1 policy year, the SI increases by 50%, and on the second renewal of the policy after 2 policy years, the SI increases by 100%.
Restoration Benefit
On raising a claim during any policy year over the base sum insured of INR 1 crore, the SI will be restored automatically for making any subsequent claim during the same tenure.
Note:- The policyholder needs to pay INR 10,000 as a deductible for every claim made outside India, i.e. a claim raised against overseas treatment, except e-opinion for critical illnesses.
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