HDFC My Optima Secure Health Insurance

Introducing My : Optima Secure Health Insurance, which reshape the amount of benefits that you get from the health insurance by offering so many exciting features and benefits which provides an incredible 4 times more coverage, that too at no additional expense. Doesn’t it sounds like an ideal deal to seal? Well, the benefit clouds isn’t over yet. The insurance company also provides their customers with a big fat room of benefits such as no room rent capping, wider pre and post hospitalisation, unlimited day-care procedures and exciting discount options.

HDFC My Optima Health Insurance Coverage

1.  Choose Your Health Cover:- Select the sum insured according to your budget and needs, now choose the coverage that you prefer. For an example, let’s consider you have selected a sum insured of ₹10 lacs.

2. Secure Benefit:- 2 times Coverage is provided  from day 1. Your base cover gets doubled right after your purchase, without you actually claiming it. This benefit will rapidly increase your ₹10 lacs base cover to ₹20 lacs, that to at no extra cost.

3. Plus Benefit:- 100% hike in thr coverage on your very first renewal, here, your base cover increases by 50% after an year and 100% after the span of 2 years, making your choosen amount to be ₹15 lacs and ₹20 lacs respectively. Now your total cover becomes ₹30 lacs that is 3 times of your base cover.

4. Restore Benefit:- 100% restore coverage is also there which ensures that anytime you file a claim be it partial claim or total claim of ₹10 lacs base cover, all of it gets 100% restored for any further claims in the same year.

HDFC My Optima Health Insurance Benefits

1. Protect Benefits

A. Support Devices: The HDFC My Optima Health Insurance Company covers all the expenses towards the cervical collar, braces, belts and more.

B. Cost of Disposables: Choose to go cashless with in-built protection coverage for disposable items like buds, gloves, nebulization kits and other consumables during hospitalisation.

C. Cost of Kits: The insurance company covers the cost for the delivery kit, ortho kit and recovery kit.

D. Procedure Charges: The HDFC My Optima Health Insurance covers the costs towards gauze, cotton, crepe bandage, surgical tape and more items like these.

2. AGGREGATE DEDUCTIBLE DEMAND Aggregate deductible is the amount that the customer agrees to pay before he or she is willing to make a claim in a policy year. Get discount up to 50% every year by choosing to pay just a little bit.

2. Discount Options

A. 50% Discount: Get 50% flat discount on your base premium when you make up your mind to pay ₹1 lac just before making a claim in a policy year.

B. 40% Discount: Get 40% flat discount on your base premium when you opt to pay ₹50,000 before making a claim in a policy year.

C. 25% Discount: Get 25% flat discount on your base premium when you choose to pay ₹25,000 before making a claim in a policy year.

3. SO MUCH SAVINGS

3. Discounts available

A. Online Discount: Get 5% discount on the premium of the base premium if you choose to buy a health insurance policy via online mode.

B. Family Discount: Get 10% family discount if in your single policy plan 2 or more members are covered in an Optima Secure Policy that too on an individual sum secured basis.

C. Long Term Discount: If the premium is paid in advance for around 2 or 3 years of policy tenure, then you get a premium discount of 7.5% and 10% respectively.

D. Loyalty Discount: You are eligible to receive 2.5% premium discount on the base premium only if you have an active retail insurance policy with us whose amount goes above ₹2000.

4. So much Trust

A. Coverage: Get the option to choose between wide range of base covers ranging from ₹5 lacs to 2 crores.

B. Policy Options: An individual can buy an individual and the family floater options.

C. Tenure: Choose a policy tenure somewhere between 1, 2 and 3 years.

About HDFC My Optima Security

HDFC My Optima Secure Health Insurance Policy Plan is especially structured to help the policy holders in the times of some critical illnesses. They also offer some exciting and exclusive features and discounts which is the ultimate highlight of the policy plan.

Know How Optima Secure Benefits Boost Your Health Cover?

1. Secure Benefit

2 times extra coverage from Day 1

2. Plus Benefit

100% hike in the coverage after the span of 2 years.

3. Automatic Restore Benefit

100% restoration coverage is available.

4. Protect Benefit

Zero deductions are made on the non medical expenses.

5. No sub-limits

No room rent capping, No disease based capping and absolutely No co payment is there.

So Much Coverage Offered by my:Optima Secure Health Insurance

1. Hospitalisation (Including COVID-19)

     HDFC My Optima Health Insurance Policy Plan covers all the hospitalisation expenses which will arise from illnesses and injuries seamlessly. Most importantly, the Optima Secure Plan includes treatment expense for Covid-19 as well.

2. Pre And Post Hospitalisation

Instead of 30 and 90 days availed normally, get more 60 and 180 days of pre and post hospitalisation medical expenses covered too.

3. All Day Care Treatments

Medical advancements helps in wrapping up important and critical surgeries and treatments in less than 24 hours, and now guess what? The HDFC My Optima Health Insurance Company covers this as well for their customers.

4. Preventive Health Check-Up At No Cost

Prevention is considered to be better than the cure and that is the reason why the HDFC My Optima Health Insurance Policy Plan offers a free health check-up on renewing your health insurance policy with the company.

5. Emergency Air Ambulance

Optima Secure Plan is designed to reimburse the cost of air ambulance facility of upto ₹5 lacs too.

6. Road Ambulance

Optima Secure Policy Plan covers road ambulance cost of upto the sum insured.

7. Daily Hospital Cash

Get cash of ₹800 on a daily basis up to a maximum of ₹4800 on hospitalisation, as out of pocket expenses under the Optima Secure Policy Plan.

8. E Opinion For 51 Illnesses
Avail e-Opinion for 51 Critical Illnesses through a network provider in India under the Optima Secure Policy Plan.

9. Home Healthcare

The insurance company will pay for all the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on a cashless grounds.

10. Organ Donor Expenses    

HDFC My Optima Health Insurance Policy Plan covers all the medical expenses for harvesting a major organ from the donor’s body where the policy holder is the recipient.

11. Alternative Treatments

The insurance company covers the treatment costs of upto the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy

12. Lifelong Renewability

Optima Secure Policy Plan has your back always and forever. Their health insurance policy provides protection for all your medical expenses for a lifetime on break free renewals.

How to Make a Claim for your HDFC Optima Secure Health Insurance Policy

Health Insurance Cashless Claims Of the Optima Secure Policy Plan gets approved within 60 minutes.

Fill the pre-auth form for cashless approval

1. Intimation

Fill up the pre-auth form at any of the network hospital for cashless approval.

2. Approval/Rejection

Once the hospital intimates the insurance providers, the team will send you the status update.

3. Hospitalisation

Hospitalisation can be done depending upon the pre-auth approval.

4. Claim Settlement

At the time of discharge, the HDFC My Optima Health Insurance Policy settles the claim directly with hospital.

Reimbursement Claim

The HDFC My Optima Health Insurance Company settles the reimbursement claims within the span of 6 hours.

1. Hospitalisation

The policy owner needs to pay the bills initially and preserve the original invoices for the future.

2. Register A Claim

Post hospital discharge send the insurance company all your invoices and treatment documents.

3. Verification

The insurance company will verify your claim related invoices and treatment documents.

4. Claim Settlement

Once the verification process os completed, the company will share the approved claim amount back to your bank account.

FAQs

Q1. What is meant by the secure benefit of my Optima Secure?

Ans – The word secure is very resembling to being safe and tension free. Under the Optima Secure Policy Plan, the insurance company will provide you with the secure benefit. This health insurance plan offers an additional protection of up to 100% of the base sum insured right after the purchase, at no extra charge. This additional amount can be utilised for any of admissible claims. Now isn’t this truly a benefit that can keep you secure.

Example: You have purchased an Optima Secure Health Insurance Policy Plan with a health cover or sum insured of ₹5 lacs. In this case, your sum insured rapidly gets doubled up to serve you a total health cover of ₹10 lacs instead of a basic ₹5 lacs health cover for which you have paid some premiums. This additional amount can be utilised for any number of the different admissible claims which means that you can now make claims up to ₹10 lacs instead of ₹5 lacs.

Q2. If I am hospitalised, can I choose the for AC Single room in the hospital?

Ans – Yes, you can choose the AC single room with Optima Secure Policy Plan. The insurance company will let you choose AC single room for undergoing treatment or surgery at any hospital. You can avail this facility on a cashless basis if you are hospitalised at any of the mentioned network hospital. There is also no disease capping  present either. The policy owner can undergo treatment for any disease and make use of your sum insured. You need not worry about room rent at the time of hospitalisation as we want you to undergo quality treatment without any worry.

Q3. What is the meaning of aggregate deductible? How does it work?

Ans – Aggregate deductible is the amount that the customer agrees to pay before he or she is willing to make a claim in a policy year. Get discount up to 50% every year by choosing to pay just a little bit.

Discount Options

A. 50% Discount: Get 50% flat discount on your base premium when you make up your mind to pay ₹1 lac just before making a claim in a policy year.


B. 40% Discount: Get 40% flat discount on your base premium when you opt to pay ₹50,000 before making a claim in a policy year.


C. 25% Discount: Get 25% flat discount on your base premium when you choose to pay ₹25,000 before making a claim in a policy year.  

Q4. I have a car insurance with HDFC Optima Secure Health Insurance Policy Plan for the past 3 years. Am I eligible for any discount?

Ans – 3 years is a long term association, and it is but natural to expect a reward. Optima Secure will not disappoint you on the matter. As you are a loyal customer, hence, you are surely eligible for a loyalty discount. You will be eligible to get chance to avail a discount of 2.5% on the base premium if you have an active retail insurance policy with premium above ₹ 2,000 with us. This clearly means if you are an existing retail policy owner (2 Wheeler, motor, travel, home, health, Cyber security insurance) with HDFC Optima Secure, then you will be eligible for a 2.5% loyalty discount on Optima Secure premium. The best part of the plan is that your claim history won’t be impacted because of this benefit.

Q5. What is protect benefit with my:Optima Secure?

Ans – In the times of pandemic, ortho kits, gloves, masks and more, were very widely used items during hospitalization. These are considered to be the disposable items and included as the non medical expenses of the hospitalization bill and so, under most health insurance policies, these disposable items are not covered. But,  with the Optima Secure Policy Plan, you can easily pay for 68 listed non medical items which are most commonly used during a hospitalisation at zero extra premium charges.

Q6. If I met with an accident just 10 days after purchasing the health insurance, am I eligible to claim under the Optima Secure Health Insurance?

 Ans – Absolutely. There is no waiting period for claims due to accidents. Under any health insurance policy, there is a huge clause of a waiting period. This means you are eligible to make a claim only after completing a certain time period as mentioned in the policy documents. But, with the Optima Secure Health Policy Plan, individuals are not required to wait to claim as there is a waiting period of 30 days before making a claim but not for the accidental claims, 24 months waiting period on specific and listed illnesses & surgical procedures and 36 months waiting period on pre-existing diseases. This means that the accidental claims are available immediately after the policy purchase.

Q7. My wife delivered a baby who is 6 months old now, Can I include the child under my Optima Secure Health Insurance Policy Plan?

Ans – Yes, an individual can include his or her children under the health insurance policy plan that you’ve choosen. In fact, the policy owner can include their child post 90 days of birth up to 25 years of age. It’s a good thing to add the child to the policy at an early age.

Q8.What is meant by the automatic restore benefit?

Ans – Optima Secure Health Insurance Policy Plan restores up to 100% of your base sum insured for any of your claims, in case of any illness, or injury to the policy owner. Your base sum insured is the actual sum insured that you have selected at time of purchasing the policy. This amount comes to rescue when you fall out of claims and all your saved amount is exhausted.

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