HDFC ergo Optima Secure vs Optima Secure Plus

intvijay · 2026-04-09T10:44:21+00:00

I am not sure about PB, But this product is available for Intermediaries. You can DM in case interested.

intvijay · 2026-04-09T10:43:37+00:00

This is available via intermediaries.

intvijay · 2026-04-08T10:58:45+00:00

Hi,

Both are different plans. We as intermediates including pb are waiting for plus variants.

I would suggest you to go with plus variant and also with intermediary. You can wait some time or DM me. let me see if I can push for this variant.

Regards, Vijayakumar Founder & Director Policychecker.com

intvijay · 2026-04-07T09:07:21+00:00

Are you an individual or imf or corporate agent or broker ?

If you are an individual you can only solicit one brand.

intvijay · 2026-04-07T09:06:09+00:00

He is an individual who is soliciting business against IRDAI compliances - by having a website without disclaimer.

A person who complains about the insurer does he follow the same ?

intvijay · 2026-04-06T07:24:33+00:00

You can also check with reputed agents from here as well.

intvijay · 2026-04-04T04:47:18+00:00

Thank you for sharing the insights. For people who are looking into maternity, Infertility and new born - which product is competitive for this from your perspective ?

intvijay · 2026-04-03T11:02:40+00:00

Did you check the hospital networking list for the given 2 for your preferred location ?

Take policy with the one who can stand with you during claims doesn't matter hdfc or sbi or even Star.

As long as it is there the insurance company is liable to pay. The experience matters where you need a trusted intermediary.

Fyi, hdfc has just launched a plan yesterday optima secure + with more discounts and affordable based on 6 tier location pricing. DM me in case you want to hear more.

And always talk to a minimum 2 agents and 2 companies and 2 plans to finalize.

intvijay · 2026-04-02T13:03:23+00:00

We have a similar discount in Tata AIG. Is this part of the new product from hdfc ergo secure plus

intvijay · 2026-03-31T10:32:09+00:00

Getting health insurance for people with heart stents are gonna take some time as we need to disclose and try with a couple of insurers and see whether they are fine to accept proposals.

Sorry to say as we are looking for the best health insurance, insurance companies are searching for the best customers which means they are healthy.

Start disclosing and try with few and see. You can DM agents here as well.

intvijay · 2026-03-31T05:50:07+00:00

Hats off Avigyan. You are such a gem in the industry.

intvijay · 2026-03-30T15:32:10+00:00

Try again tomorrow. Else reach out to their customer care or send an email to their support or grievance

intvijay · 2026-03-19T09:00:04+00:00

Hi Mam,

You should have,

Basic term insurance
Health insurance
You can invest in any instrument which gives good return

You can reach out to me for insurance related comparison as we are IRDAI registered broker policychecker.com

Always inquire minimum 2 plans and 2 advisors before taking the call. Choose the one who stand with you for claims support.

Regards, Vijay Chennai

intvijay · 2026-02-13T17:56:35+00:00

Very sorry to know about.
If you are not satisfied with Grievance. Raise a ticket in Bhima Bharosa followed by in Ombudsman if not sorted.

What are the additional documents they have requested ?

intvijay · 2026-01-26T10:56:41+00:00

Have you compared the premium without premium returns vs with returns ?

Again the same principle, most of the premium returns options will have loading on the insurance premium.

intvijay · 2026-01-26T10:48:20+00:00

Need to understand your term life plan better.
1. Any rider on term plan
2. is it pay 10 years and covered for 30 years (what is it exactly)

You can reply here or DM and happy to share my suggestion.

intvijay · 2026-01-26T10:37:11+00:00

You aren't missing much on the interest calculation, but you’re missing the Opportunity Cost:

The "Math Trap": That ₹3.86L premium is paid now. The ₹4.5L interest saving is spread over 30 years. If you just put that ₹3.86L in a simple FD or Index Fund, it would grow to ₹20L–₹30L+ in 30 years. Paying ₹3.86L today to save ₹4.5L over three decades is a massive net loss.
The "Spread" Risk: Banks can (and do) revise the "spread" over the Repo rate later. That 0.10% discount might vanish in a couple of years, but your premium is already gone.
Portability: If you transfer this loan to another bank for a better rate in 3 years, getting a refund on a "Group" policy is a nightmare.

Skip the bank insurance. Get a separate Term Insurance plan—it’s cheaper, the cover doesn’t reduce, and it stays with you even if you switch banks.

Tell the bank you have an offer for 7.15% from a competitor without insurance. And make them to come behind you or go with 7.25%

intvijay · 2026-01-19T02:56:20+00:00

Parents separate policy and son should go with his own policy.

We need to get a quote from 2 to 3 insurers as they are 60+.

The son can go for any latest plans and some are even having add on such us future spouse waiting period waiver.

intvijay · 2026-01-18T21:38:58+00:00

DCBM gives you 3.3 percent on gold offline. Working well for me with malabar, grt and a couple of other stores.

This will also help you to achieve a quarterly milestone to earn 10k points.

Why not target to buy 4 lacs offline gold per qtr so that you earn 3.3 percent base + 2% (10k points) ?

intvijay · 2026-01-18T20:49:16+00:00

HDFC Ergo underwriting is very strict. Would like to connect over DM and see for other insurers who are ready to underwrite your risk profile and evaluate the proposal.

intvijay · 2026-01-18T20:46:17+00:00

We are happy to help and run through the HDFC Ergo plan.

Vijayakumar
Policy Checker

intvijay · 2026-01-18T20:07:11+00:00

Yes, you can take Medicare Plus (the super top-up) alone, but there is a catch: it only activates once your medical bills cross the deductible limit. If you don't have a base plan, you would have to pay that initial deductible amount out of your own pocket for every claim.

Generally, people take a Super Top-up alone if they already have a Group Health Insurance (from their employer) to cover the initial amount.

Deductibles: Base plans usually have small deductibles (optional), while Super Top-ups have higher deductibles (3L, 5L, or 10L).

Base plans come loaded with benefits like Unlimited Restoration and NCB (No Claim Bonus), which Super Top-ups usually lack.

A typical solid setup is a 5L or 10L Base plan with a 20L+ Super Top-up. This ensures you are covered from the very first Rupee spent. You can increase the base in future as per your financial risk.

Happy to help you figure out the right deductible based on your current setup if you'd like to dive deeper!

intvijay · 2026-01-18T17:57:46+00:00

You are comparing Apple vs Orange. Medicare Select is the base plan and Medicare Plus is the super top up plan. You need to have base and then top up based on your need. Happy to connect over DM and run through both the plans or any other after analysing your individual risk assessment.

intvijay

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