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[Tanmeet Bhatia @InsureWithTan]

𝟓 𝐃𝐚𝐲𝐬, 𝟓 𝐌𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐏𝐥𝐚𝐧𝐬: 𝐓𝐡𝐞 𝐔𝐥𝐭𝐢𝐦𝐚𝐭𝐞 𝐒𝐡𝐨𝐰𝐝𝐨𝐰𝐧!

Day 1: We’re kicking off with HDFC ERGO. 🏁

𝐎𝐧 𝐃𝐚𝐲 𝟓, 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐥 𝐯𝐞𝐫𝐝𝐢𝐜𝐭 𝐝𝐫𝐨𝐩𝐬—𝐰𝐡𝐢𝐜𝐡 𝐩𝐥𝐚𝐧 𝐫𝐮𝐥𝐞𝐬 𝐭𝐡𝐞𝐦 𝐚𝐥𝐥? 𝐒𝐭𝐚𝐲 𝐭𝐮𝐧𝐞𝐝!

𝟓 𝐃𝐚𝐲𝐬 𝐭𝐨 𝐅𝐢𝐧𝐝 𝐘𝐨𝐮𝐫 𝐏𝐞𝐫𝐟𝐞𝐜𝐭 𝐌𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐂𝐨𝐯𝐞𝐫

Planning a baby? 𝐃𝐨𝐧'𝐭 𝐬𝐢𝐠𝐧 𝐚𝐧 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐩𝐨𝐥𝐢𝐜𝐲 𝐮𝐧𝐭𝐢𝐥 𝐲𝐨𝐮 𝐬𝐞𝐞 𝐨𝐮𝐫 𝐃𝐚𝐲 𝟓 𝐯𝐞𝐫𝐝𝐢𝐜𝐭.

"Maternity costs are skyrocketing. We’re spending 5 days finding the one plan that actually saves your wallet."

"5 days of reviews. 1 final winner. Your ultimate guide to stress-free parenthood financial planning."

@HDFCERGOGIC does not have standalone Maternity plan. Maternity plan comes with a rider along with your basic health insurance policy.

𝐒𝐮𝐦 𝐈𝐧𝐬𝐮𝐫𝐞𝐝 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 : ₹50,000 / ₹1,00,000 / ₹1,50,000 / ₹2,00,000

𝐄𝐋𝐈𝐆𝐈𝐁𝐈𝐋𝐈𝐓𝐘 𝐂𝐎𝐍𝐃𝐈𝐓𝐈𝐎𝐍𝐒
Base policy must have at least 1 Female Insured Person aged 18 years or above at the time of opting.

Coverage under this add-on is provided to all Insured Persons aged 18 years or above once in force.

Add-on can be opted only at inception or at renewal of Base Product.

Once opted out, can opt in again only at renewal, but all waiting periods apply afresh.

Sum Insured is policy-level (common for all insured persons), regardless of individual or floater basis.

𝐖𝐇𝐀𝐓 𝐈𝐒 𝐂𝐎𝐕𝐄𝐑𝐄𝐃 (𝟓 𝐒𝐮𝐛-𝐜𝐨𝐯𝐞𝐫𝐬)
𝐀. 𝐌𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬
Covers:

Hospitalization for delivery (Normal or C-section)

Medically recommended lawful termination of pregnancy only in life-threatening situation and under advice of Medical Practitioner

Lifetime limit per policy (not per year):

Max 2 Deliveries OR

Max 2 lawful terminations OR

Max 1 Delivery + 1 Termination

Note: Birth of >1 child in single delivery = 1 event.

𝐁. 𝐏𝐫𝐞-𝐍𝐚𝐭𝐚𝐥 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬
Covers only if Maternity Expenses claim is accepted:

Antenatal check-ups

Gynecological consultations

Sonograms

Vaccines for expecting mother

Diagnostic tests

Prescribed medications

Time limit: Within 180 days immediately prior to childbirth

𝐂. 𝐏𝐨𝐬𝐭-𝐍𝐚𝐭𝐚𝐥 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬

Covers only if Maternity Expenses claim is accepted:

Gynecological consultations

Medications & supplements

Postpartum complications

Physiotherapy

Time limit: Within 180 days immediately post childbirth

𝐃. 𝐈𝐧-𝐕𝐢𝐭𝐫𝐨 𝐅𝐞𝐫𝐭𝐢𝐥𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐈𝐕𝐅) 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬
𝐂𝐨𝐯𝐞𝐫𝐬:

Ovarian stimulation, egg retrieval, fertilization

Embryo transfer to uterus

Embryo Harvesting

Pre-implantation diagnostic tests (if prescribed)

𝐋𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐥𝐢𝐦𝐢𝐭:
Only First AND/OR Second IVF cycle in the lifetime of the Insured Person(s).

𝐄. 𝐄𝐦𝐛𝐫𝐲𝐨 𝐅𝐫𝐞𝐞𝐳𝐢𝐧𝐠 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬
𝐂𝐨𝐯𝐞𝐫𝐬:
Only storage expenses for embryo freezing
Lifetime limit:
Max payout under this cover shall never exceed the Sum Insured in lifetime of add-on.

𝟒. 𝐖𝐇𝐀𝐓 𝐈𝐒 𝐍𝐎𝐓 𝐂𝐎𝐕𝐄𝐑𝐄𝐃 (𝐄𝐱𝐩𝐥𝐢𝐜𝐢𝐭 𝐄𝐱𝐜𝐥𝐮𝐬𝐢𝐨𝐧𝐬)

𝑭𝒓𝒐𝒎 𝑴𝒂𝒕𝒆𝒓𝒏𝒊𝒕𝒚 𝑬𝒙𝒑𝒆𝒏𝒔𝒆𝒔:
Ectopic Pregnancy (can be claimed under Base Policy)

Donor eggs, donor sperm, surrogate arrangements

Voluntary termination of pregnancy

Cosmetics and post-pregnancy aesthetics procedures

𝐅𝐫𝐨𝐦 𝐏𝐫𝐞/𝐏𝐨𝐬𝐭 𝐍𝐚𝐭𝐚𝐥:
Any expenses on new-born baby (excluded from Post-Natal)

Cosmetics and post-pregnancy aesthetics

𝐅𝐫𝐨𝐦 𝐈𝐕𝐅:
Donor eggs, donor sperm, surrogate arrangements

IVF without medical recommendation or outside approved medical facility

𝐀𝐧𝐲 𝐜𝐨-𝐩𝐚𝐲, 𝐝𝐞𝐝𝐮𝐜𝐭𝐢𝐛𝐥𝐞, 𝐨𝐫 𝐬𝐮𝐛-𝐥𝐢𝐦𝐢𝐭𝐬 𝐟𝐫𝐨𝐦 𝐁𝐚𝐬𝐞 𝐏𝐨𝐥𝐢𝐜𝐲 𝐝𝐨 𝐍𝐎𝐓 𝐚𝐩𝐩𝐥𝐲 𝐭𝐨 𝐭𝐡𝐢𝐬 𝐚𝐝𝐝-𝐨𝐧 (𝐞𝐱𝐩𝐥𝐢𝐜𝐢𝐭𝐥𝐲 𝐬𝐭𝐚𝐭𝐞𝐝).

#irdai #mediclaim #healthinsurance #maternity #insurance #planning #coverage

[Tanmeet Bhatia @InsureWithTan]

Day 2: @Niva_Bupa Maternity plan.

𝐌𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐩𝐞𝐫𝐢𝐨𝐝? 𝐉𝐮𝐬𝐭 𝟗 𝐦𝐨𝐧𝐭𝐡𝐬.

𝟏. 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐭𝐡𝐞 "𝐌-𝐢𝐫𝐚𝐜𝐥𝐞" 𝐁𝐞𝐧𝐞𝐟𝐢𝐭?

The "M-iracle" benefit is a comprehensive coverage that addresses the various financial aspects of starting or expanding a family. It includes coverage for:

Pregnancy & Childbirth: Covers both normal and C-section deliveries.

Assisted Reproduction: Includes expenses for IVF (In Vitro Fertilization), GIFT, ZIFT, and ICSI procedures.

Adoption: Covers the legal and medical expenses related to adopting a child.

Surrogacy: Provides coverage for surrogacy arrangements.

This is designed to cover the birth of your child, whether natural, assisted, or via surrogacy.

𝐂𝐫𝐮𝐜𝐢𝐚𝐥 𝐍𝐨𝐭𝐞: 𝐘𝐨𝐮 𝐦𝐮𝐬𝐭 𝐛𝐞 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 𝐮𝐧𝐝𝐞𝐫 𝐭𝐡𝐞 𝐩𝐨𝐥𝐢𝐜𝐲 𝐟𝐨𝐫 𝐭𝐡𝐢𝐬 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐩𝐞𝐫𝐢𝐨𝐝 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐦𝐚𝐤𝐞 𝐚 𝐜𝐥𝐚𝐢𝐦. 𝐅𝐨𝐫 𝐞𝐱𝐚𝐦𝐩𝐥𝐞, 𝐢𝐟 𝐲𝐨𝐮 𝐜𝐡𝐨𝐨𝐬𝐞 𝐭𝐡𝐞 𝐏𝐥𝐚𝐭𝐢𝐧𝐮𝐦+ 𝐯𝐚𝐫𝐢𝐚𝐧𝐭, 𝐲𝐨𝐮 𝐦𝐮𝐬𝐭 𝐰𝐚𝐢𝐭 𝟗 𝐦𝐨𝐧𝐭𝐡𝐬 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐩𝐨𝐥𝐢𝐜𝐲'𝐬 𝐬𝐭𝐚𝐫𝐭 𝐝𝐚𝐭𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐜𝐥𝐚𝐢𝐦𝐢𝐧𝐠.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐒𝐩𝐞𝐜𝐢𝐟𝐢𝐜𝐚𝐥𝐥𝐲 𝐂𝐨𝐯𝐞𝐫𝐞𝐝?
The coverage is quite broad and designed for a range of family-planning scenarios. The official policy wording specifies coverage for:

Antenatal & Postnatal Care: Check-ups, consultations, sonograms, blood tests, and necessary vaccines for the expecting mother.

Delivery: Hospitalization expenses for normal or cesarean section delivery.

Assisted Reproduction: Expenses for IVF, GIFT, ZIFT, and ICSI.

Termination of Pregnancy: Medical termination of pregnancy is covered.

Infertility Treatment: Covers the cost of treatment for infertility.

Adoption: Charges for legally adopting a child, including tests conducted on the child post-adoption.

Surrogacy: Delivery-related expenses for a surrogate mother.

New Born Baby: The newborn is covered from day one. This includes expenses for defined vaccinations like BCG, OPV, DPT, Hepatitis-B, etc., for the first year.

𝐓𝐡𝐞 𝐍𝐢𝐯𝐚 𝐁𝐮𝐩𝐚 𝐀𝐬𝐩𝐢𝐫𝐞 𝐩𝐥𝐚𝐧'𝐬 𝐌-𝐢𝐫𝐚𝐜𝐥𝐞 𝐛𝐞𝐧𝐞𝐟𝐢𝐭 𝐢𝐬 𝐚 𝐩𝐨𝐰𝐞𝐫𝐟𝐮𝐥 𝐭𝐨𝐨𝐥 𝐟𝐨𝐫 𝐟𝐚𝐦𝐢𝐥𝐲 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠. 𝐓𝐡𝐞 𝐤𝐞𝐲 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐩𝐨𝐢𝐧𝐭 𝐢𝐬 𝐜𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐯𝐚𝐫𝐢𝐚𝐧𝐭. 𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐚 𝐜𝐡𝐢𝐥𝐝 𝐰𝐢𝐭𝐡𝐢𝐧 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝐲𝐞𝐚𝐫, 𝐭𝐡𝐞 𝐏𝐥𝐚𝐭𝐢𝐧𝐮𝐦+ 𝐨𝐫 𝐓𝐢𝐭𝐚𝐧𝐢𝐮𝐦+ 𝐯𝐚𝐫𝐢𝐚𝐧𝐭𝐬 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞𝐢𝐫 𝟗-𝐦𝐨𝐧𝐭𝐡 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 𝐩𝐞𝐫𝐢𝐨𝐝 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐬𝐮𝐢𝐭𝐚𝐛𝐥𝐞, 𝐞𝐯𝐞𝐧 𝐢𝐟 𝐭𝐡𝐞𝐲 𝐜𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐚 𝐡𝐢𝐠𝐡𝐞𝐫 𝐩𝐫𝐞𝐦𝐢𝐮𝐦. 𝐈𝐟 𝐲𝐨𝐮𝐫 𝐭𝐢𝐦𝐞𝐥𝐢𝐧𝐞 𝐢𝐬 𝐥𝐨𝐧𝐠𝐞𝐫, 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐨𝐩𝐭 𝐟𝐨𝐫 𝐆𝐨𝐥𝐝+ 𝐨𝐫 𝐃𝐢𝐚𝐦𝐨𝐧𝐝+ 𝐭𝐨 𝐬𝐚𝐯𝐞 𝐨𝐧 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐜𝐨𝐬𝐭𝐬 𝐰𝐡𝐢𝐥𝐞 𝐬𝐭𝐢𝐥𝐥 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐌-𝐢𝐫𝐚𝐜𝐥𝐞 𝐜𝐨𝐯𝐞𝐫 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞.

@Atulsingh_asan

Let's Talk Maternity Coverage — No Strings Attached

Planning a family? Confused about waiting periods, sum insured, or which variant (Platinum+ / Titanium+) suits you best?

I'm here to help.

. Get detailed plan explanations
. Get tailored recommendations based on your age, city & family goals
. Zero cost. Zero obligation. Zero pressure.

DM for detailed comparison

[Fair Deal Advisors @fairdealadvisor]

𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐝𝐢𝐬𝐜𝐨𝐮𝐧𝐭𝐬 𝐝𝐫𝐢𝐯𝐞 𝐲𝐨𝐮𝐫 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧. 𝐅𝐨𝐜𝐮𝐬 𝐨𝐧 𝐭𝐡𝐞 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞, 𝐩𝐨𝐥𝐢𝐜𝐲 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬,𝐜𝐥𝐚𝐢𝐦 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, 𝐚𝐧𝐝 𝐡𝐨𝐰 𝐰𝐞𝐥𝐥 𝐭𝐡𝐞 𝐩𝐥𝐚𝐧 𝐟𝐢𝐭𝐬 𝐲𝐨𝐮𝐫 𝐧𝐞𝐞𝐝𝐬!

[Tanmeet Bhatia @InsureWithTan]

𝐈𝐟 𝐲𝐨𝐮'𝐫𝐞 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠 @HDFCERGOGIC 𝐎𝐩𝐭𝐢𝐦𝐚 𝐒𝐞𝐜𝐮𝐫𝐞+, 𝐭𝐡𝐢𝐬 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐚 𝐠𝐨𝐨𝐝 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐞𝐯𝐚𝐥𝐮𝐚𝐭𝐞 𝐭𝐡𝐞 𝐩𝐨𝐥𝐢𝐜𝐲.

Currently, individuals aged 35 years or below can avail:
✅ Up to 21% premium discount
✅ An additional 5% lifetime renewal discount

These benefits can significantly reduce your long-term insurance costs.

However, promotional discounts and offers are subject to change at the insurer's discretion. There's no certainty on how long these benefits will continue to be available.

If Optima Secure+ is already on your shortlist, it may be worth exploring the plan sooner rather than later.

As always, choose a health insurance policy based on your coverage needs, features, and claim support—not just discounts.

#mediclaim #healthinsurance #hospitalisation #claim #irdai

[Tanmeet Bhatia @InsureWithTan]

A few weeks ago, I spoke with a 44-year-old business owner.

He wanted to buy a ₹3 crore term insurance policy.

"Business is doing well now," he told me.
"So I think I should increase my insurance cover too."
Before discussing any policy, I asked him three questions.

1. How much debt do you currently have?
"About ₹20 lakh. Mostly the remaining home loan."

2. What assets have you built over the years?
"Close to ₹2.5 crore across investments, property, and business assets."
3. What are the major financial goals still pending?
"My daughter will start college next year, and my son's higher education is already funded."

After understanding the complete picture, my response caught him off guard.
"You may not need ₹3 crore of cover. A much smaller cover could be sufficient."

Because term insurance isn't about how much you earn.
It's about the financial gap your family would face if you were no longer around.

When you're in your early 30s:

• Income is growing
• Assets are limited
• Responsibilities are increasing
• Financial gap is large

By your mid-40s:

• Loans are lower
• Investments have accumulated
• Major goals are closer to completion
• Financial gap starts reducing

Yet many people do the exact opposite.

At 30, they postpone buying adequate cover because they're "still building wealth."
At 45, they rush to buy a huge cover simply because they can now afford the premium.
But insurance was never meant to be a wealth-building tool.
It's a protection tool.

As your assets grow and your liabilities shrink, your dependence on insurance should ideally reduce.

The highest insurance need often exists when your net worth is at its lowest.
So before buying a larger policy, ask yourself:
Am I insuring my income, or am I covering my family's actual financial gap?

#terminsurance

[Fair Deal Advisors @fairdealadvisor]

Health insurance is a long-term commitment, but it doesn't mean you're locked in forever.
#HealthInsurance #InsuranceAwareness #PolicyPortability

[Fair Deal Advisors @fairdealadvisor]

𝐏𝐎𝐑𝐓𝐀𝐁𝐈𝐋𝐈𝐓𝐘

Your accumulated waiting period credits can be carried forward, subject to portability rules.

Before renewing your policy, remember:
Compare alternatives
Check claim settlement experience
Review policy features and exclusions
Explore portability options

[Tanmeet Bhatia @InsureWithTan]

𝐀 𝐒𝐭𝐞𝐩-𝐛𝐲-𝐒𝐭𝐞𝐩 𝐆𝐮𝐢𝐝𝐞 𝐭𝐨 𝐏𝐨𝐫𝐭𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞

𝐒𝐭𝐚𝐫𝐭 𝐄𝐚𝐫𝐥𝐲: Begin your research and planning at least 30-45 days before your current policy's renewal date.

[Fair Deal Advisors @fairdealadvisor]

You are usually better off buying a pure term plan (lower premium) and investing the difference yourself, as you will likely earn a much higher return than the refunded premium amount

[Fair Deal Advisors @fairdealadvisor]

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐛𝐮𝐲 𝐨𝐧𝐞?

While these features exist, experts generally advise against choosing a plan just for the "no-claim bonus" or "return of premium." The premiums for these plans are often 60% to 80% higher than a standard term plan .

[Tanmeet Bhatia @InsureWithTan]

6 Term Plans. 6 Hidden Features.
6 Smart Features Smart Buyers Always Look For – Now in One Table

1. SBI Life – Smart Shield Plus
Under the Increasing Cover option, the sum assured rises automatically at a 5% simple rate annually, reaching up to 200% of the original sum assured .

The Future Proofing Benefit lets you increase coverage during marriage, childbirth, or home purchase without additional medical exams .

2. Bandhan Life – iTerm Return of Premium
On survival till end of policy term, you receive 100% of Total Premiums Paid plus underwriting extra premium plus loadings for modal premiums .

Up to 7% first-year discount (2% for existing customers + 5% for digital underwriting)

Lower premiums for female lives than male lives

3. Kotak Life – e-Term Plan
Step-Up Option: You can increase Basic Sum Assured at specific life events without medical exams :

Maximum total increase: Revised SA cannot exceed 3 times original Basic SA (i.e., up to 200% increase).

4. TATA AIA – Sampoorna Raksha Promise
Rolling Limited Pay: You can choose the exact number of years over which to pay premiums – e.g., 10 pay, 12 pay, 15 pay, or 20 pay .

Other Benefits:

Critical Illness rider payout is in addition to life cover (does not reduce SA)

Additional payout option for accidental death

Competitive pricing with fewer complaints on claim settlement

5. ICICI Prudential – iProtect Smart
Life Stage Plus: Increase sum assured by 25-50% at:

Marriage

Childbirth

Home purchase

Salary increment/promotion

Another Unique Feature – Easy Health: Get premium discounts for:

Non-smoker status

Regular health check-ups

Maintaining healthy lifestyle (tracked via health app)

6. Max Life – Smart Term Plus
Terminal Illness Benefit: If diagnosed with a terminal illness with less than 12 months life expectancy, you receive 100% of sum assured immediately as a lump sum.

Additional Verified Features:

Life Stage Increase: Increase cover by 25-50% at marriage, childbirth, or home purchase without medical underwriting

Critical Illness Rider: Covers 40+ critical illnesses with lump sum payout

[Fair Deal Advisors @fairdealadvisor]

Not all add-ons are for everyone.
Get a personalized analysis.

Reach out to us for a detailed, no-obligation review of Optima Secure+
📬 [email protected] [email protected]

Or you can DM us.

[Fair Deal Advisors @fairdealadvisor]

𝟖 𝐏𝐨𝐰𝐞𝐫-𝐔𝐩𝐬 𝐓𝐡𝐚𝐭 𝐌𝐚𝐤𝐞 @HDFCERGOGIC 𝐎𝐩𝐭𝐢𝐦𝐚 𝐒𝐞𝐜𝐮𝐫𝐞+ 𝐔𝐧𝐛𝐞𝐚𝐭𝐚𝐛𝐥𝐞

𝟏. 𝐀𝐁𝐂𝐃 𝐂𝐡𝐫𝐨𝐧𝐢𝐜 𝐂𝐚𝐫𝐞:
Covers medical expenses arising from hospitalization due to Asthma, Blood Pressure, Cholesterol, and Diabetes and their complications

[Fair Deal Advisors @fairdealadvisor]

𝐄𝐱𝐚𝐦𝐩𝐥𝐞:
Sunil has ₹10L Optima Secure+ with Serious Illness Booster. He is diagnosed with a covered critical illness requiring ₹18L treatment. The add-on covers the full ₹18L (within 2X limit = ₹20L) on actual expense basis.

[Fair Deal Advisors @fairdealadvisor]

@Vikrant130801 @StarHealthIns Sorry to hear about your disappointing experience. Health insurance is meant to provide peace of mind during difficult times. Hope your concerns are addressed properly and your issue gets resolved soon. Happy to help in case you need any assistance, guidance regarding the policy.

[Fair Deal Advisors @fairdealadvisor]

@phenomanansagar @TATAAIGIndia @irdaindia @jagograhakjago @HDFCLIFE Hi Manan,
Please feel free to reach out in case you need any help.

[Fair Deal Advisors @fairdealadvisor]

@Aquarianboys @StarHealthIns @starhealthnet Sorry to hear about your experience, especially with your existing policy expiring today. Delays and unclear commitments can be very stressful. Hope your issue gets resolved at the earliest without interruption. Happy to help in case you need any assistance or guidance.