HDFC Ergo General Insurance is a joint venture between HDFC Ltd., one of India’s leading housing finance institutions, and ERGO International AG, the primary insurance entity of the Munich Re Group in Germany. Established in 2002, the company offers a broad range of insurance products including health, motor, travel, home, and cyber insurance, along with tailored solutions for businesses and enterprises. HDFC Ergo is known for its strong digital presence and efficient claims service and remains a trusted name in the Indian insurance space.
HDFC Ergo Optima Secure gives you 3X coverage in just 2 years.
Here’s how:
1. You get 2X coverage from day one
–> A 10L policy instantly becomes 20L. No activation needed.
2. Plus benefit adds another 100% over 2 years
–> 50% after first renewal
–> Another 50% after second renewal
–> Your 10L becomes 30L
3. Zero restrictions on room category
–> Choose any hospital room you want
–> No hidden costs or partial payments
4. All daycare procedures covered
–> Even treatments under 24 hours
–> No questions asked
5. Covers consumables too
–> Syringes, gloves, masks included
–> Reduces out-of-pocket expenses
But there’s a catch:
– Higher premiums than basic plans
– 36-month waiting period for pre-existing conditions
– No maternity coverage
Is it worth it?
Consider this: HDFC Ergo settled 97.94% of claims in FY24, with 13,000+ network hospitals.
Want to understand if this plan suits your family’s needs?
Feel free to book a call with us at www.algatesinsurance.in
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