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:
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).
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.
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.
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 specifies 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.
Eligibility criteria for HDFC ERGO Optima Secure Global plan
The below-mentioned specifications such as sum insured, age limit, policy tenure, etc are the eligibility criteria for buying this policy:-
Entry Age
For Child: 91 Days - 25 Years
Adult Entry Age
For Adults: 18 - 65 Years
Sum Insured
INR 1 Crore - 2 Crores
Plan Type
Individual/Family
Policy Term
1 - 3 Year/s
Initial Waiting Period
30 Days
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more information about the plan in the brochure:
Benefits of HDFC ERGO Optima Secure Global Insurance
Read here the notable benefits under the HDFC ERGO Optima Secure Global Health Insurance for family or an individual:
Protect Benefit
In a situation of hospitalisation, there will be no deductions on non-medical expenses (adding up to 10 - 20% of the incurred medical bills) that are listed in the policy schedule such as gloves, masks, and much more without adding any extra charges.
Aggregate Deductible Available
There are options to choose your deductible amount to avail of a discount of up to 56% on the premiums. The value of aggregate deductible discounts is as follows:-
Deductible Amount (in INR)
Discount (%)
25,000
14%
50,000
27%
1,00,000
36%
2,00,000
41%
3,00,000
50%
5,00,000
56%
*If the policyholder has opted for a deductible of INR 5 Lakhs, then only they will get the preventive health check-up coverage. The aggregate deductible option is valid only within India. This can be waived off after completing 5 years of the policy period.
Supported savings
The policyholder gets additional benefits of savings in the form of discounts, the specifications of which are listed below:
Online discount- Get a 5% discount on online policy buying from the company’s official website
Family discount- Get a 10% discount on premiums if you add 2 or more members under one policy cover.
Long-term discount- If you pay your 2-year policy premiums in advance, you get a 7.5% discount. On paying 3-year policy premiums in advance, avail a 10% discount on it.
Loyalty discount- If you’re a loyal customer of HDFC ERGO General Insurance under which you’re paying a premium of up to INR 2,000 or more, you get a 2.5% discount on the premiums of this policy.
Tax Benefit
You can avail of a tax exemption benefit under the HDFC ERGO’s Optima Secure Global health plan under Section 80D of the Income Tax Act, 1961.
Choose your Optima Secure Global Health Insurance
Here are the specifications under HDFC ERGO Optima Secure Global Health Insurance, choose your plan wisely:
In-patient & Out-patient Coverage
Room Rent
Applicable
ICU Charges
Applicable
Pre-Hospitalization
Applicable
Post-Hospitalization
Applicable
Domiciliary Hospitalization
Applicable
Daycare Treatment
Applicable
OPD Charges
NA
Coverage Terms
COVID-19 Treatment
NA
Cataract
NA
No Claim Bonus
NA
Automatic Restoration
Applicable
Daily Hospital Cash
Applicable
Organ Donor
Applicable
Maternity Cover
NA
New Born Baby Cover
NA
Alternative Treatments
AYUSH Treatment
Applicable
IVF Treatment
NA
Modern Treatment
NA
Emergency Coverage
Ambulance
Applicable
Air Ambulance
Applicable
Compassionate Travel
Applicable
Global Coverage
Applicable
Wellness Programmes
E-Consultation
Applicable
Health Check-Up
Applicable
Second Medical Opinion
NA
Vaccination
NA
Limitations
Co-payment
NA
Sub-limits
NA
What is Room Rent?
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, the room rent is covered up to SI.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, ICU charges are covered up to SI.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan covers medical expenses incurred during pre-hospitalisation for up to 60 days.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan covers medical expenses incurred during post-hospitalisation up to 180 days.
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, domiciliary hospitalisation is covered up to SI.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, daycare treatments are covered.
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
NA
What is COVID-19 Treatment?
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan does not cover COVID-19 treatment.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan does not cover cataract treatment expenses
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Available
What is Automatic Restoration?
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Unlimited auto restoration is available under the HDFC ERGO Optima Secure Global Health Plan for up to 100% of the base SI on every claim made.
What is Daily Hospital Cash?
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
With a hospitalisation of more than 48 hours, the insured gets INR 800 per day and upto INR 4800 in total for shared room accommodation.
What is an Organ Donor Cover?
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under the HDFC ERGO Optima Secure Global Health Plan, organ donor’s expenses are covered for harvesting the organ and related in-patient hospitalisation.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Covered Under HDFC ERGO Optima Secure Global Health Plan up to SI.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not available under HDFC ERGO Optima Secure Global Health Plan.
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Covered up to SI.
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Air Ambulance is covered under HDFC ERGO Optima Secure Global Health Plan up to INR 5 Lakhs.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, compassionate travel is covered for one accompanying person, accommodation of the same is also applicable.
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Under HDFC ERGO Optima Secure Global Health Plan, global treatment is covered for hospitalisation related to an emergency.
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
HDFC ERGO Optima Secure Global Health Plan provides e-consultation for the 51 listed critical illnesses.
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
On every policy year completion, the policyholder gets preventive health check-up benefits. The policyholder has a choice to opt for the tests that they are required to go through with a sub-limit. For individual policies, they can avail of the test worth INR 8,000 (per insured) and for family floater INR 15,000 (per policy).
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not available
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable.
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
No geography-based co-payment is the feature of this plan which allows the policyholder to get treatment wherever they want.
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under HDFC ERGO Optima Secure Global Health Plan
Not Applicable
What’s not covered (Exclusions) under HDFC ERGO Optima Secure Global Plan?
The HDFC ERGO Optima Secure Global family/individual insurance policy is a wholesome plan for all but comes with standard exclusions. Read here what’s not covered under the plan:
Hazardous sports/adventure activities that include life-threatening risks
Breach of law
Alcoholism, drug or substance abuse
Unproven treatments, sterility and infertility
Maternity expenses
Congenital external diseases, defects or anomalies
War of any kind
Excluded service providers, etc.
How to claim HDFC ERGO Optima Secure Global Policy?
The policyholders can raise a claim against their HDFC ERGO Optima Secure and get either a cashless claim settlement or reimbursement claim. Here are the steps to claim your Optima Secure Global health policy:
Steps for cashless claim settlement
If you go for hospitalisation at a networking hospital of the insurer, you need not pay anything and you can receive the treatment on a cashless claim settlement basis by following the below-mentioned steps:
Step 1
Reach out to the networking hospital of the insurer that must be listed in your policy document.
Step 2
You need to inform your insurer 3 days before getting hospitalised if you have a planned case of hospitalisation. However, in case of emergency hospitalisation, you must inform your insurer within 24 hours from the time you’re being hospitalised.
Step 3
Take your e-health card along with you when going to get hospitalised. Collect the pre-authorisation claim form from the desk of TPA. Fill out the form diligently and submit it at your network hospital’s TPA’s desk; attach the valid ID proof and e-health card at this time
Step 4
The final step is the verification of your claim, where the company will verify and match all the submitted files during hospitalisation. Later, the hospital and the insurance company will settle the claim between both. You do not need to pay anything on your own here.
Steps for reimbursement claim
If you have to take hospitalisation benefits in a non-networking hospital that’s not mentioned in your policy documents, you need to follow these steps:
Step 1
Inform your insurer about getting hospitalised within 24 hours of hospitalisation to a non-networking hospital if it was not planned. If you’ve planned for hospitalisation, you need to inform the insurer about the same at least 3 days before hospitalisation.
Step 2
Collect the pre-authorisation form from the hospital’s TPA desk and fill it out carefully. Later, submit it with the ID proof and e-health card of the HDFC ERGO health insurance.
Step 3
Pay off your account first against all the hospital and treatment expenses. After getting discharged from the hospital, you need to keep all the compulsory medical bills and hospitalisation receipts handy with you as it’ll further help you get your expenses reimbursed.
Step 4
Now submit all of the compulsorily needed documents, claim forms, medical bills, and other details that are required by the insurer.
Step 5
Then the insurance company will review your claim request and upon verification, they will reimburse all the medical expenses as specified in the policy documents. Below are the important documents that you need to submit during raising a reimbursement claim.
Documents to be submitted for reimbursement claim
E-health card
Photo ID proof/photograph
Residential proof
Hospital discharge summary, all the medical bills and other original receipts that have proof of expenses, drugs/
medicinal/pharmacy bills
Doctor's prescription with the recommendation of hospitalisation, diagnostics, test reports, medicine prescriptions etc
Copy of the FIR, if applicable (in case of an accident)
Emergency ambulance receipt, if applicable
Others, as asked to be submitted by the insurer.
HDFC ERGO Health Insurance Network Hospital List
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.
‘Ab yaha tak aaye ho, toh kuch achcha hi socha hoga!’
If you want health insurance for yourself and your family that covers all under one roof at a global level, you need to check out the HDFC ERGO Optima Secure Global Plan. It provides a far-reaching coverage benefit and an additional overseas cover to the policyholder, all within the proposed sum insured.
Didn’t get that or need any further information on the same plan? Worry not! You can connect with the Masters of Health Insurance at PolicyX.com. You don’t need to search for us here and there. Give us a call at 1800 4200 269 or connect with us via email at helpdesk@policyx.com
Explore other HDFC ERGO Health Plans
HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Unique Features
Maternity complications
SI options from 3L - 1 Cr
Free preventive health checkup
My:health Women Suraksha (Pros)
AYUSH Benefit
Alternative Treatment
Organ Donor Benefit
Domiciliary Hospitalization
Pre and Post Hospitalization
My:health Women Suraksha (Cons)
Adventure Sports Injuries
No Sexsually Transmitted diseases
No Cosmetic Surgery
Alcoholism issues not covered
No Self Inflicted Injuries
My:health Women Suraksha (Other Benefits)
Parent and Child care Cover
Child Care Benefit
Vaccination
Air Ambulance
Health Coach
My:health Women Suraksha (Eligibility Criteria)
Entry Age - 18 years
Max Entry Age - Lifetime Entry
SI - 1 L to 1 Cr
Waiting Period - 30 Days
Comprehensive
HDFC Ergo Personal Accident Insurance
Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.
Unique Features
Worldwide Coverage
Tax Benefits
Lifelong Renewability
Personal Accident Insurance (Pros)
No medical check-ups
Family cover available
Accidental Death
Permanent Total Disability
Broken Bone Coverage
Personal Accident Insurance (Cons)
Pre-existing injuries not covered
Suicide not covered
Adventure sport injuries not covered
Claims related to mental illness
Individuals working with explosives
Personal Accident Insurance (Other Benefits)
Hospital Cash Cover
Coverage For Burns
Long term discounts
24/7 coverage
High Sum Insured
Personal Accident Insurance (Eligibility Criteria)
Entry Age - 18 years
Max Entry Age - 65 years
SI - 2.5 to 15 L
Waiting Period - 30 Days
HDFC ERGO Optima Secure Global Plan: FAQ's
1. How can I claim my HDFC ERGO Optima Secure Global family plan?
You can claim your policy online from the official website of HDFC ERGO General Insurance and then select the required policy, and follow the steps as mentioned on their official website. You can also claim the policy by reaching out to customer care of PolicyX.
2. Is this policy suitable for my family?
Yes. This policy is suitable for either an individual or a family.
3. How many members can be covered under HDFC ERGO Optima Secure Global policy for families?
HDFC ERGO Optima Secure health insurance plan can cover 6 adults and 6 children under a single family policy.
4. Who can buy this health insurance plan?
This policy can be bought for children aged from 91 days to 25 years and an adult aged from 18 years to 65 years.
5. Which type of global health cover is applicable under the HDFC ERGO Optima Secure Global plan?
The HDFC ERGO Optima Secure with global coverage covers hospitalisation expenses, organ donor expenses, AYUSH treatment, emergency air ambulance, e-opinion for critical illnesses, etc even outside India.
6. Can I buy add-on covers with HDFC ERGO Optima Secure Global insurance plan?
Yes, you can buy add-on covers for critical illness, unlimited restoration, individual personal accidents, hospital cash benefits, and more.
7. Will there be a separate sum insured treatment within India under this global plan?
No, there won’t be separate charges or limits for global coverage. The whole value of the sum insured will be common for treatments opted within India or globally.
8. Can I avail of a cashless claim settlement facility beyond India?
All the claims (up to the sum insured) made against the treatment accessed outside India shall be entertained on a reimbursement claim basis. The cashless claim facility will depend on your additional coverage benefits under the Plus variant.
I was looking for the best health insurance policy. PolicyX came up and eased up my whole task. They suggested HDFC ERGO Optima Secure, it is the best decision ever.
Sunidhi Makkar
Mumbai
April 8, 2024
PolicyX was a great resource when I was shopping for health insurance. Got to know a few insights about the company I hold a policy with, HDFC ERGO.
Harsh Wardhan
Madurai
April 8, 2024
I would extend my gratefulness to the PolicyX team who helped me get the best health insurance policy from HDFC ERGO.
Nipun Walia
Pune
April 8, 2024
Buying HDFC ERGO Health Insurance with the help of PolicyX was the best purchase of my life. Thank you so much team for helping me out.
Prema Singhania
Madurai
April 8, 2024
I am so glad that I got my first Health Insurance policy with the help of PolicyX. I am secure now after getting the HDFC ERGO Health Insurance Plan.
Padma Ray
Bhopal
March 15, 2024
Always wanted to buy a health insurance for myself with my first salary. PolicyX helped me choose the HDFC ERGO My:Health Women Suraksha, specifically made for heathcare needs of women.
Ryan Mukherjee
Coimbatore
March 14, 2024
HDFC ERGO Critical Illness Health Insurance Policy is the best choice of my life. I would like to thank PolicyX and the team for their support.
Nitish Sinha
Allahabad
March 14, 2024
I had a kidney problem, so I chose to buy an HDFC ERGO Critical Illness policy with the help of PolicyX. After completing the waiting period, now I am completely eligible to claim for my medica...
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
