So Much Coverage* Guaranteed^^
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50k Life CoverA new age term plan featureGet protected with a sum assured of Rs.50,000 which will be paid to the nominee in case of death during the policy term*
*This benefit is for Life Protect Option of HDFC Life Click 2 Protect Life for a chosen SA of Rs.50,000. To see other options and features of the plan, please refer the product brochure.
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Secure Benefit2X coverage from day 1More DetailsSecure Benefit is a first-of-its-kind benefit of Optima Secure that doubles the insurance cover you buy, instantly and automatically. This means that you get a 2X coverage from day 1, without having the need to activate or claim it, at no additional cost.
So, if Mr. Sharma were to buy an insurance cover of 10 lakhs, then upon paying the premium for just 10 lakhs, he gets double the coverage, making it 20 lakhs instantly.
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Plus Benefit100% increase in coverage after 2 yearsMore DetailsPlus Benefit is another first-of-its-kind benefit of Optima Secure. With this benefit, the base cover you choose for yourself automatically increases by 50% after 1 year, and 100% after 2 years, irrespective of any claims made. With this benefit, you do not have to worry about earning a full No Claim Bonus or a reduced bonus in case of a claim.
So, Mr. Sharma’s 10 lakhs worth of initial base cover becomes 15 lakhs after 1 year, and 20 lakhs after 2 years, irrespective of any claims.
Adding this to the 10 lakhs extra coverage he received with Secure Benefit, his total coverage becomes 30 lakhs.
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Protect BenefitZero deduction on non-medical expensesMore DetailsIn case of an unfortunate hospitalisation Protect Benefit of Optima Secure guarantees^^ payment of consumables which includes listed non-medical expenses. It’s built-in, and automatically available, at no extra charge.
In case of an unfortunate hospitalisation, the Protect Benefit of Optima Secure guarantees payment of all listed non-medical expenses. It’s built-in, and available automatically at no extra charge.
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Restore Benefit100% restore coverageMore DetailsWith the Restore Benefit of Optima Secure, if any claim, partial or total, is made any time during the year, then 100% of the base cover gets restored in the policy cover automatically, at no additional cost!
So, if Mr. Sharma gets hospitalised, and has a claim, Restore Benefit automatically restores 100% of that amount, maximum up to his base cover, which is 10 lakhs in this case, even for the same illness. This is to safeguard and prepare Mr. Sharma for any unforeseen circumstances in the future.
All the above benefits of Optima Secure work together to give 4X coverage than the chosen cover.
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Pre and Post Hospitalisation CoveredMore DetailsInstead of 30 and 90 days availed normally, Optima Secure covers medical expenses for 60 days pre and 180 days post hospitalisation.
These cover tests, medicines purchased and other medical expenses that Mr. Sharma has incurred related to the hospitalisation in the past 60 days of pre hospitalisation and will incur in the next 180 days after getting discharged.
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Home HealthcareThis policy covers treatment availed from comfort of homes, and as per everyone's convenience on cashless basis.
So, if Mr. Sharma is advised home treatment, which in normal course would have required hospitalisation, all his medical expenses including doctor visits, nursing charges, etc get covered by it.
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Daily Cash for Shared RoomWith 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.
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Preventive Health Check-UpYou will be provided preventive health check-up benefits post completion of every policy year, irrespective of claim status.
Mr. Sharma can choose any preventive health check-up of his choice up to a sub-limit as mentioned below for any insured person (including children).
More DetailsSum Insured (in INR) 5L 10L 15L 20L, 25L & 50L 100L & 200L Individual policy (per insured) 1,500 2,000 4,000 5,000 8,000 Floater policy (per policy) 2,500 5,000 8,000 10,000 15,000 -
E-OpinionGet an e-opinion on any of the listed 51 critical illnesses through our network provider, in India.
So, if Mr. Sharma chooses to take teleconsultations or online consultations for any of the listed diseases under this benefit , the expense incurred on the same gets covered by the policy.
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Ayush TreatmentOptima Secure covers in-patient hospitalisation expenses even for alternate treatment methods viz. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
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Hospitalisation ExpensesCovers 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.
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Domiciliary HospitalisationTreatment at home if advised by the treating medical practitioner and if the insured person is not in a condition to be transferred to a hospital or on account of non-availability of room in hospital.
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Organ Donor ExpensesCovers medical expenses incurred on harvesting the organ from the donor for organ transplantation wherein the insured person is the recipient.
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Emergency Air AmbulanceThe policy pays for air ambulance transportation services during your emergency needs.
To understand the 4X coverage at no additional cost let’s look at Mr. Sharma’s journey
How it WorksUIN: Click 2 Protect Optima Secure: 101Y122V01
Get So Much Coverage**4X coverage means base Sum Insured + Plus Benefit (after 2 Policy Years) + Secure Benefit + Automatic Restore Benefit. Under Plus Benefit, irrespective of claims means sum insured gets increased by 50% of base sum insured per year maximum up to 100%. A single claim in a Policy Year cannot exceed the sum of Base Sum Insured, Plus Benefit (if applicable) and Secure Benefit. Please refer the list of Non-Medical Expenses specified in the policy wording. Home health care available only on cashless basis in select cities only. Daily cash in case of hospitalization for more than 48 hours in a Network Hospital's shared accommodation. Preventive health check-ups at each renewal of the Policy. E-opinion available through the Network Provider only. For additional covers, additional premium will be charged. For in-depth details on terms and conditions applicable to add-ons, please refer to the prospectus and policy wording documents of the respective add-ons available under the download section on our website. 25% premium discount is applicable for Sum Insured up to INR 20 lakhs.
Guaranteed^^^^Get Guaranteed Secure, Plus, Protect and Restore Benefits. Up to 50% discount available by choosing option of Aggregate deductible of Rs. 1 lakh up to Base Sum Insured of equal to or less than 20 lakhs.
