Restore Benefit in Health Insurance: Optima Secure

Posted on: Dec 3, 2024 | 3 mins | Written by: HDFC ERGO Team

Restore Benefit in Health Insurance: Optima Secure

HDFC ERGO Optima Secure Plan

Looking for a health insurance plan that would serve your whole family's needs? The Optima Secure from HDFC ERGO can be just one of those. Imagine doubling your coverage right from the first day. That’s what the Optima Secure plan offers you. This health insurance plan has been designed to bring a sense of peace of mind by securing your loved ones against any eventuality. One of the standout features of the Optima secure plan for your entire family is the 100% restore benefit. Imagine you have used up all your coverage during a policy year due to some major hospitalisation, and then comes the unexpected use of it again. The plan will automatically reinstate your full sum insured with no additional cost. It's just like a backup plan within your health insurance that makes sure you are always covered.

Nowadays having reliable family health insurance is not an option but a necessity. The Optima Secure plan is one of the ways to help you provide security, and ensure you're ready for any health challenge that may come your way.

100% restoration benefit of HDFC ERGO Optima Secure Plan

Here are some of the benefits of 100% restoration:

1. Peace of Mind

In case of a claim, the 100% restore benefit restores your base coverage fully. Now, let us assume that there is a health insurance plan that covers up to ₹10 lakhs in a year. If you have claimed for ₹5 lakhs, the plan will automatically reinstate your coverage to ₹10 lakhs. You are hence, always protected, irrespective of the number of times you have to claim in a policy year.

2. Comprehensive Coverage

Restores your coverage upon reaching the maximum for the year so that, in the case of a medical emergency, you will not use up all your coverage. If any one of your family members has several health problems in a year, then the restore benefit ensures that you will not have to pay any more for additional expenses during the remaining time of the year than your basic coverage.

3. Savings

Plus, you can save even further on out-of-pocket costs by looking at a 100% restore benefit. This policy insures you against non-medical-related expenses, including braces, disposables, procedure charges, and much more, thus offering enhanced protection to your finances.

How is the 100% restoration feature beneficial for family insurance?

While buying health insurance for you and your family, one of the major features that one should check is the 100% restore benefit. This feature restores your entire base sum insured if it is exhausted during any policy year, as offered in HDFC ERGO Optima Secure. Let's consider what this benefit could mean with Optima secure plan for your entire family:

1. Peace of Mind when You Have Multiple Claims

Suppose you have undergone a medical emergency and the bills have consumed almost all of your insurance coverage. You might think that if another health issue crops up, you will have to pay out of pocket. With the 100% restore benefit, you don't need to worry; it restores the base sum insured so that in case another health issue comes along, you are still fully protected.

2. Cost-Effective Protection

You may wonder if this restore benefit increases your premium. Surprisingly, this doesn't add a huge cost. The benefit provides significant financial protection without a massive increase in your premium. In essence, you get more value from your health insurance, particularly while you are covering more than one member of your family.

3. Perfect for family health insurance

A family floater health insurance policy is one under which multiple members are covered in a single policy. So, the sum insured gets consumed rapidly if more than one family member has to be treated. For example, if one person needs surgery and another gets unexpectedly hospitalised, then the bills add up. But with the 100% restore benefit, once the original sum insured is exhausted, it's restored for future claims. This makes the Optima Secure plan ideal for your entire family.

4. No Waiting for Renewal

One of the special advantages associated with a 100% restore benefit is that you don't need to wait for your policy renewal for your coverage to be restored. Restoration happens within the same policy year and ensures that one is not left vulnerable in case another medical emergency occurs.

5. Affordable Solution to Large Family

For larger families, this 100% restoration benefit makes it very affordable to ensure that all family members can still be covered during the year. Instead of increasing the sum insured, which may increase your premium, the restore benefit allows you peace of mind in knowing that your coverage is restored, managing the cost but still protecting adequately.

6. Added Value with the Optima Secure Plan

When you buy the Optima Secure for your whole family, you aren't buying just any ordinary health insurance. You are buying a plan that realises your need for continuous protection. The 100% restore benefit, among many other features like pre- and post-hospitalisation cover, makes this plan comprehensive for your family. It's designed to be there when you need it most, without any gaps in coverage.

7. Ideal for serious health conditions

In cases where there is someone in your family who has a serious or chronic health condition, medical expenses can be continuous and heavy. The sum insured will, therefore, be rapidly drained. To save you from such a situation, the 100% restore benefit ensures that after a big claim, you have full coverage for future needs. This feature secures the point that there will be family health insurance to back you up in difficult times.

8. Covering the Unexpected

Life is full of uncertainties, and health-related emergencies might lurk at any time. The 100 per cent restore benefit works as a backup. You could have utilised your sum insured in one claim; still, this feature has got you prepared for what's next. It simply makes sure that no matter how many times you use it, you always have family health insurance remaining strong and dependable.

Conclusion

In conclusion, if you’re looking for a reliable and comprehensive family health insurance plan, the Optima Secure plan by HDFC ERGO is worth considering. With its standout feature, the 100% restore benefit, you can rest easy knowing that your coverage is replenished after each claim. This means you’re always fully protected, no matter what medical expenses come your way. It’s designed to safeguard your entire family, providing peace of mind and financial security. Don’t miss out on this excellent opportunity to enhance your health insurance and ensure that your family is well taken care of.

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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