A health insurance plan is one of the most popular general insurance plans as it offers protection against different types of diseases, illnesses, ailments, and health risks. To keep its customers safe and secure both financially and physically, HDFC ERGO has come up with a number of health insurance plans. Among them, the most popular ones are HDFC ERGO Optima Restore and HDFC ERGO Optima Secure. Both the plans have individual and family floater variants. Along with the benefits and facilities of a standard comprehensive health insurance plan, both these plans are designed with some special benefits that have made them immensely popular among customers to cater to the varied needs of different individuals. To know more about these plans, have a look at the following mentions.
What is HDFC ERGO Optima Restore?
This plan offers all the benefits of standard health insurance plans, such as hospitalization, expenses, pre and post-hospitalization expenses, day-care procedures, emergency road ambulance, modern treatments, organ donor expenses, lifetime renewals, and many more. HDFC ERGO has recently launched one benefit added to this plan, Optime Restore. This Optional Benefit will provide instant addition of 100% of the Basic Sum Insured on complete or partial utilization of the Restore benefit or Unlimited Restore benefit (as applicable) during the Policy Year. One can also do a 50% increase in the basic Sum insured for every claim-free year, subject to a maximum of 100% under the 2X Multiplier Benefit. One can also avail of preventive health check-ups up to Rs. 10,000 with Optima Restore at the time of renewals.
Brief Details about HDFC ERGO Optima Secure
Along with the basic benefits, this plan offers some unique advantages as well. The Optima secure plan is tailored to reimburse the cost of air ambulance transport up to Rs. 5 lakhs. One can avail of e-Opinion for 51 Critical Illnesses through a network provider in India under the Optima Secure plan. The plan covers treatment costs up to the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga, and Naturopathy. All COVID-19 expenses are covered under the Optima Secure plan. There is a No Cost Installment feature available to one-year policyholders. It can also be availed by debit and credit card holders.
Comparison Between HDFC ERGO Optima Restore and HDFC ERGO Optima Secure
The following table gives a comparative idea of these two plans.
| Parameters | HDFC ERGO Optima Restore | HDFC ERGO Optima Secure |
| Basic difference | This health insurance plan provides 100% restoration of the Basic Sum Insured instantly after the first claim. Restore Benefit triggers on complete or partial utilization of Basic Sum Insured and Multiplier Benefit (if applicable) and will be available to all insured persons for subsequent claims under in-patient benefit during the policy year. | As the name suggests, under the Optima Secure plan, the company provides the customer with a secure benefit. This health insurance plan offers additional coverage up to 100% of the base sum Insured immediately upon purchase at no extra charge. This additional amount can be utilized for any number of admissible claims. |
| 2X Multiplier Benefit | This benefit doubles the coverage post 2 claim-free years. Get 50% of the Basic Sum Insured as a bonus for every claim-free year, subject to a maximum of 100%. In the case of 2-year policies, the application of Multiplier Benefit shall be post-completion of each policy year. | It doubles the insurance coverage one buys, instantly and automatically. This means that the insured person gets 2X coverage from day 1, without having the need to activate or claim it, at no additional cost. |
| Age at entry | Maximum Age: The maximum entry age is 65 years. There is no maximum cover ceasing age. Minimum Age: The minimum entry age is 91 days. Children between 91 days and 5 years can be insured provided either parent is being insured under this Policy. | Minimum Age – The minimum entry age for a dependent child (who is, natural or legally adopted) is 91 days and the maximum entry age is 25 years. Maximum Age – The maximum entry age is 65 years. There is no maximum cover ceasing age in this policy. |
| Discounts |
premium if one has an active retail insurance policy with a premium above INR 2000. |
|
Daily Cash for Choosing Shared Accommodation | Rs. 800 per day (Maximum 4,800) Rs. 1,000 per day (Maximum Rs. 6,000) | Rs. 800 per day (Maximum Rs. 4,800) |
| Emergency ambulance | Road: Up to Rs. 2000 Air: Up to Rs. 2.5 lakhs (Available for the basic sum insured above Rs. 5 lakhs) | Road: Up to Sum Insured Air: Up to Rs. 500,000 |
| Basic sum insured | Rs. 3 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, and Rs. 50 lakhs | Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, Rs. 100 lakhs, and Rs. 200 lakhs |
Which One is Better?
Both plans are designed to cater to the needs of the individuals so that the customers can keep their families financially protected. Additionally, the optional benefits and add-ons have made the plans stronger. However, though both the plans are health insurance plans and have been crafted keeping in mind the same purpose, but inherently they are not identical, rather way different from each other. While the HDFC ERGO Optima Secure has presented 4X Multiplier and Home Healthcare Benefits on the other side, the HDFC ERGO Optima Restore has Stay Active Benefits. Both plans are potent and strong enough to serve the needs of the individuals on the basis of their requirements. One needs to choose any of these plans, only keeping in kind the necessities of him/her. Therefore, it would be an injustice to identify one plan as the best because it would be decided by the customer which one will satisfy his/her needs.
