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Non-life insurance company HDFC ERGO General Insurance announced the launch of Optima Secure, a new health indemnity health insurance product that seeks to redefine the value customers can get from their insurance plan.

The product has the Secure, plus, Protect, and Restore benefits built-in that offer customers up to 4 times their sum insured at no additional charge while guaranteeing coverage for listed non-medical expenses.

The policy offers four distinct features and many additional features

• Secure Benefit – doubles the insurance cover instantly and automatically on purchase of the policy;
• Plus benefit – increases the base coverage automatically by 50% after 1 year and to 100% after 2 years, even if there is a claim;
• Restore Benefit – if you run out of coverage, the policy will restore your base coverage up-to 100% and
• Protect benefit – ensures Zero deduction on consumables and listed non-medical expenses.
• 60 and 180 days pre and post hospitalisation covered -These cover tests, medicine purchases and other medical expenses that patient has incurred during these aforementioned days.
• Home healthcare -This policy covers treatment availed from comfort of homes, and as per everyone’s convenience on cashless basis.
• Daily cash for shared room -With this, daily cash of INR 800 per day up to a maximum of INR 4800 on hospitalisation is provided as out of pocket expenses when you choose a shared accommodation in a network hospital, and the hospitalisation period exceeds 48 hours.
• Preventive health check-up -You will be provided preventive health check-up benefits post completion of every policy year, irrespective of claim status

• E-opinion -Get e-opinion on 51 critical illnesses through network provider in India
• Hospitalisation expenses – Covers medical expenses incurred at the time of hospitalisation that include room rent, ICU expenses, nursing expenses, surgeon’s fee, road ambulance charges and so on. It also covers all day care treatments that require hospitalisation for less than 24 hours
• AYUSH treatment -This plan covers in-patient hospitalisation expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
• Emergency air ambulance -The policy pays for air ambulance transportation services during your emergency needs.
• Organ donor expenses -Get reimbursements for medical expenses incurred for organ donor’s in-patient treatment for harvesting of the organ donated.
• Domiciliary hospitalisation Secures all medical expenses during Domiciliary hospitalisation.

ADD-ON cover (Optional)

my:Health Critical Illness (Add-on) -Optima Secure does comprehensive coverage for 51 critical illnesses with sum insured options of INR 100,000 to INR 200,00,000 and in multiples of INR 100,000.

my:Health Hospital Cash Benefit (Add-on) – Get sum insured options of INR 500/ INR 1000/ INR 1500 / INR 2000/ INR 2500 / INR 3000 / INR 5000/ INR 7500/ INR 10,000 to cover your out-of-pocket expenses.

Ritesh Kumar, MD & CEO, HDFC ERGO General Insurance Company said, “Optima Secure will redefine the value customers can get from their health insurance plan. At HDFC ERGO, we will continue to innovate and bring breakthrough products, backed by leading edge technology, to the market across all our businesses. Our innovative products, state of the art technology and our financial strength mean that our customers can trust us to be there when they have a claim.”

Ravi Vishwanath, President – Accident & Health Business, HDFC ERGO General Insurance Company, said, “We listened to our customers and have developed a product that protects against rising healthcare costs, is simple to understand, and offers tremendous value. The Secure, Plus, Protect, and Restore benefits work together to give customers 4 times the coverage. The product offers broad coverage from 5 Lacs to 2 Crore. With the value buy option, customers can get more than a 50% discount. They can access cashless services at nearly 10,000 hospitals across the country. In Optima Secure, there is a coverage level and premium level available that is right for every individual and family.”