Question 1

How do I buy the HDFC ERGO Optima Secure?

Accepted Answer

You can purchase the HDFC ERGO Optima Secure through FinWiz24 by clicking "Apply Now" and completing the online application. Fill in the required details, pay the premium online, and receive your policy document via email within minutes.

Question 2

What is covered under the HDFC ERGO Optima Secure?

Accepted Answer

Coverage depends on the specific plan. Generally, insurance policies cover the risks and benefits as described in the product details above. Read the policy document carefully to understand inclusions, exclusions, and waiting periods.

Question 3

How is the claim settlement ratio calculated?

Accepted Answer

The claim settlement ratio is calculated as: (Total claims settled / Total claims received) × 100. A higher ratio indicates better reliability of the insurer. IRDAI publishes these ratios annually.

Question 4

Can I port my existing policy to HDFC ERGO General Insurance?

Accepted Answer

Yes, most insurers allow policy porting under IRDAI guidelines. You can transfer your existing policy without losing the benefits or waiting period already served. Contact the new insurer at least 45 days before renewal.

Question 5

What happens if I miss a premium payment?

Accepted Answer

Most policies have a grace period (usually 15–30 days) during which you can pay the due premium without losing coverage. If the premium is not paid within the grace period, the policy lapses and benefits are forfeited.

Feature	Details
Sum Assured	Up to ₹15,00,000
Annual Premium	From ₹22,500
Policy Term	1 years
Claim Settlement Ratio	97.4%

HDFC ERGO Optima Secure

Key Facts

How to Apply

Frequently Asked Questions