1. Home
2. Blogs

How do the Secure Benefit and Protect Benefit offered by Optima Secure work?

• 
• 
• 
• 0
• 0

The Optima Secure health insurance plan offers many unique features to its customers. These are benefits integrated into the mediclaim policy at the time of purchase regardless of the base sum insured you opt for. Such benefits provide you extra value for the same amount of premium charged by the insurance company. These value-add features are what distinguish a good health plan from a great one and customers should pay attention to the add-on benefits offered by a health insurance provider as part of a part of a particular policy or scheme.

Optima Secure offers 4 such unique bonus features as part of its health insurance plan. Their features are the Secure benefit, the Protect benefit, Plus benefit and Automatic Restore benefit. The Secure and Protect benefits offered by Optima Secure are unique to their health insurance plans and provide immense value to the customer regardless of the premium and coverage under the plan.

What is the Secure Benefit?

As the name suggests, the secure benefit is additional cover to your choice of mediclaim cover at the time of purchase. It offers up to 100% of the base sum insured immediately upon the purchase at no extra charge to the customer. The additional amount can be used against any number of admissible claims for that policy year. For instance, if you purchase a health insurance plan with a health cover of INR 5 lakhs, at the time of purchase, that amount is doubled and reflects under your policy as a sum total of INR 10 lakhs worth of coverage for all expenses covered under the policy. The secure benefit is a great value add offered to all first time customers of the Optima Secure health insurance plan.

 

What is the Protect Benefit?

The Protect Benefit is a timely addition to the Optima Secure plan to include the expenses of disposable medical consumables that have increased during hospitalisation during Covid-19. Items such as PPE suits, gloves, masks, sanitizers etc. Through Optima Secure 68 listed non-medical items commonly used during hospitalisation are covered at no extra premium. This not only reduces the financial load of paying for such items but also minimizes the hassle of keeping account of disposable items and their usage in your medical bills.

For example, if a family member has to be admitted in the hospital for a small medical procedure like the removal of kidney stones apart from the cost of hospitalisation, the surgeon’s fees and tests that need to be done before and after, there is raft of other charges applicable such as the cost of sanitising the room and surgical equipment, the use of PPE suits, masks, gloves, etc. All of these expenses borne by the hospital are charged at actuals to the patient. In case the patient has a family member or friend staying overnight, the cost of disposable medical gear utilised by them is also added to the cost. All of this expenditure is covered by Optima Secure under its Protect Benefit feature.

Conclusion

The above benefits are built-in to the Optima Secure health plan regardless of the coverage you choose or the premium you pay. At no extra cost, the plan gives you a Secure Benefit and a Protect Benefit. These benefits aim to ease your mind and allow you to focus on your health and medical treatment in case of hospitalisation or any illness.

Disclaimer:The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

---

• 
• 
• 
•