HDFC ERGO and HDFC Life Join Forces to Offer Comprehensive Customer Protection

Leading general insurer HDFC ERGO General Insurance Company Limited has joined hands with HDFC Life to introduce 'Click2Protect Optima Secure,' a comprehensive insurance plan designed to offer customers complete financial protection. The partnership aims to simplify financial planning by providing a term life insurance component with a minimum sum assured of ₹50,000.

Under the health insurance aspect of the plan, customers can avail of coverage ranging from ₹5 Lakh to ₹2 Crore. The plan includes both 'Individual' and 'Family Floater' options, with HDFC ERGO servicing the general insurance component and HDFC Life handling the life insurance coverage.

Vibha Padalkar, MD of HDFC Life, emphasized the importance of financial protection, stating, "Financial protection is the primary need of every individual with responsibilities. The recent pandemic has emphasized the criticality of life and health insurance products. Through Click2Protect Optima Secure we are offering our flagship products which will enable customers get a one-stop-solution for their insurance needs - both life and health."

HDFC ERGO General Insurance Company is a joint venture between HDFC Ltd and Munich RE Group's ERGO International AG. The Click2Protect Optima Secure plan offers several benefits, including:

• Life Insurance Protection: Coverage extends up to 85 years of age, with the eldest family member covered under the floater policy.
• Secure Benefit: Customers can instantly double their Base Health Cover upon purchase without needing to make a claim.
• Protect Benefit: This covers non-medical expenses during hospitalization, such as gloves, food charges, and other consumables.
• Automatic Restore Benefit: The plan automatically restores 100% of the base health sum insured upon partial or complete utilization.
• Attractive Premium Discounts: Existing HDFC ERGO retail customers can avail a 2.5% loyalty discount. Long-term discounts of 7.5% and 10% are offered on 2-year and 3-year policies, respectively, along with a 10% family discount if two or more family members are covered under the same 'individual' policy.
• Pre and Post Hospitalization Medical Expenses: The plan covers medical expenses for consultations, investigations, and medicines incurred up to 60 days before and 180 days after hospitalization.
• Ambulance Expenses: Coverage extends up to ₹5 lacs for air ambulance services and indemnification at actuals for road ambulance services.
• Out-of-Pocket Expenses: A daily hospital cash benefit ranging from ₹500 to ₹10,000 is provided for each continuous 24-hour period of hospitalization.
• Critical Illness (Add-on): Comprehensive coverage is available through a 'Lumpsum' payout upon diagnosis of any of the listed 51 critical illnesses.