HDFC Ergo Optima Secure Must-look Features & Claims Settlement Ratio

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Insured Member(s)

You

Age of eldest member

26-30

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Insuring You
Eldest Member Age: 26-30
Sum Insured: ₹ 5L

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Sum Insured

₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L

Priced Fairly

HDFC Ergo Optima Secure

Product features66/100
Price48/100
Claims experience91/100

1 Finance Score:69/100

1 Finance Rank

Must-Look Features

Room RentAs per Actuals
No Claim Bonus (NCB)Max up to 100% of the base SI irrespective of claims
Recharge of SI (RSI)Up to 100% reset/restore of SI for any illness in subsequent claims
Pre-Existing Diseases (PED)Covered after 3 years
Co-payment (Co-Pay)No Co-pay
Health and WellnessAnnual health check up for all insured members

Claims Experience

Claim Settlement Ratio (CSR) - Number94.42%
Claim Settlement Ratio (CSR) -Amount84.82%
Incurred Claim Ratio (ICR)81% signifies high customer satisfaction based on premiums & claims
Ageing of Claim99.78%
Network Hospitals16000

Standard Features

Pre-hospitalisation60 days
Post-hospitalisation180 days
Daycare treatmentsCovered up to SI
Ambulance coverRoad: Up to Sum Insured Air: Up to ₹500,000
Domiciliary hospitalisationCovered up to SI
Organ donor coverCovered up to SI
Second opinion-
Daily allowance
800 per day (max up to 4,800)
AYUSH treatmentCovered up to SI
Modern treatment methods-

SI:Sum Insured

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About HDFC Ergo

HDFC ERGO, a collaboration between HDFC Ltd and ERGO International AG (Munich Re Group's main insurance arm), offers a range of insurance products. It's a 51:49 partnership, covering health, auto, travel, home, personal accident, and cyber insurance in the retail sector.

About HDFC Ergo

FOUNDED IN2002
CEORitesh Kumar
HEADQUARTERSMumbai, India
AUM₹22,214.33 Cr
GROSS WRITTEN PREMIUMS (GWP)₹18,801.07 Cr
COMBINED RATIO
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
112.14%