HDFC ERGO General Insurance Company Limited, one of the leading general insurers in the country, has joined hands with HDFC Life, one of India’s leading life insurers, to offer Click2Protect Optima Secure. This is a comprehensive insurance plan providing holistic protection to customers.
Click2Protect Optima Secure combines the benefits of life and health insurance solutions under one roof, thereby offering un-complicated financial planning for customers. In this plan, the term life insurance component will protect customers against uncertainties of life with a minimum sum assured of Rs. 50,000. Under the health insurance component, customers can avail a sum insured ranging from Rs. 5 Lacs to Rs. 2 cr. This plan comes with ‘Individual’ and ‘Family Floater’ options. The health insurance will be serviced by HDFC ERGO and life insurance by HDFC Life.
Other key benefits of the plan:
- Life Insurance Protection: Covers up to 85 years of age; in the floaters policy, the eldest member of the family is covered.
- Secure benefit: Doubles your Base Health Cover instantly upon purchase without having the need to claim it.
- Plus Benefit: Offers additional coverage equivalent to 100 per cent of the Base Sum Insured in 2 years, irrespective of a claim.
- Protect Benefit: For the non-medical expenses like gloves, food charges and other consumables during hospitalisation.
- Automatic Restore Benefit: Restores 100 per cent of Base Health Sum Insured automatically on partial or complete utilisation of sum insured.
- Attractive Premium Discounts: 2.5 per cent loyalty discount for existing HDFC ERGO retail customers, Long Term Discount of 7.5 per cent and 10 per cent on 2 year and 3 year policies and 10 per cent family discount, if two or more family members are covered under the same ‘Individual’ policy.
- Pre & post hospitalisation medical expenses: Covers medical expenses for consultations, investigations and medicines incurred up to 60 days prior and up to 180 days post hospitalisation.
- Ambulance Expenses: Coverage up to Rs. 5 lacs for expenses incurred on utilising air ambulance services and indemnification at actual for expenses incurred on utilising road ambulance services
Enhancement Options:
Out of pocket expenses: Per day hospital cash benefit ranging from Rs. 500 to Rs. 10,000 for each continuous and completed 24 hours of hospitalisation.
Critical Illness (add-on): Provides comprehensive coverage by offering a ‘Lumpsum’ payout on diagnosis of any of the listed 51 critical Illnesses.
Speaking on the launch, Vibha Padalkar – MD & CEO, HDFC Life, said “Financial protection is the primary need of every individual with responsibilities. The recent pandemic has emphasised the criticality of life and health insurance products. Through Click2Protect Optima Secure we are offering our flagship products which will enable customers to get a one-stop solution for their insurance needs – both life and health.”
Speaking about the launch of the new product, Ritesh Kumar, MD & CEO, HDFC ERGO General Insurance Company, said, “Combined products are ultimate customer friendly solutions, where a customer can enjoy the benefits of two products under a single plan without any hassles. Click2Protect Optima Secure empowers our customers to opt for a single solution to address both their critical protection needs. With the launch of this plan, we have simplified and streamlined the process of buying health and life insurance and eliminating the hassle for our customers to buy and manage two different products. It eases the burden of financial planning on our customers and gets everything they require under one offering.”
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