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Top 6 Reasons to Buy Optima Secure This Diwali

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As Diwali approaches, we celebrate the festival of lights by investing in our homes, relationships, and personal well-being. However, beyond the festivities, it’s crucial to prioritize something even more valuable—our health. Recently, there has been a concerning rise in lifestyle and non-communicable diseases among Indians. The younger generation, in particular, is increasingly susceptible to cardiovascular diseases. Often referred to as “The Diabetes Capital of the World,” India also faces a growing burden of various cancers that surpass global averages. Additionally, viral infections and seasonal flu are becoming more common, reflecting our collective weaker immune systems and lifestyle choices.

Several factors contribute to this health crisis, including a sedentary lifestyle, a high-carb, high-fat diet, lack of sleep, and stress. Moreover, the rising cost of healthcare adds to people's anxiety, as even routine hospitalizations and diagnostics can significantly strain finances.

In today’s world, having reliable health insurance is essential. It covers medical expenses during emergencies or planned hospitalizations for you and your family. If you haven’t yet got the right health insurance plan for your family, this Diwali is a great time to do so. To make your decision easier, we’re here to help. Consider investing in HDFC ERGO’s Optima Secure plan this Diwali. This plan offers 4X coverage at no extra cost. If you’re still unsure whether this is a worthwhile investment, here are six additional reasons to consider it:

1. Comprehensive Coverage:

Don't compromise on your health coverage. Optima Secure offers extensive protection for hospitalization, daycare treatments, pre- and post-hospitalization expenses, diagnostics, and outpatient department services, along with additional options that ensure robust coverage for a worry-free future. With rising healthcare costs, having a health plan that addresses both minor and major medical expenses is essential. Optima Secure covers most major illnesses and provides access to nearly 13000+ cashless hospitals across India, ensuring you receive the best medical care whenever you need it.

2. Secure Bonus:

One of the standout features of Optima Secure is the Secure Bonus, which increases your sum insured by 50% each year if you don’t make a claim. This increase can reach a maximum of 100% if you go two consecutive years without a claim. This means your coverage grows even if you don’t file a claim, ensuring that you are better prepared for the future.

3. Secure Benefit:

With the Secure Benefit, your base coverage automatically doubles to 2x from day one at no additional premium. This makes it a cost-effective option for those seeking value for money.

In HDFC Ergo's Optima Secure plan, your base cover increases from ₹10 lakhs to ₹20 lakhs immediately upon purchase, without needing to file a claim. This doubled coverage can be utilized in a single claim or spread across multiple claims within the policy year.

If you choose a family health insurance plan, the Secure Benefit will apply on a floater basis for all insured members covered under the policy.

4. Wellness and Preventive Health Benefits:

Optima Secure encourages policyholders to prioritize their health through wellness benefits like discounts on health check-ups and lifestyle programs, promoting a healthier you beyond just coverage.

5. Tax Benefits:

The premiums paid towards Optima Secure are eligible for tax deductions under Section 80D of the Income Tax Act. It’s a great way to save money while investing in your health.

6. Peace of Mind:

Festivals are about enjoying moments with family and loved ones. Optima Secure gives you the peace of mind to fully immerse in the festive spirit, knowing that your health is safeguarded against any unforeseen medical emergencies.

This Diwali, light up your life with the protection of Optima Secure — an investment in health that ensures your future stays bright and secure!

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

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