Great job guys! This is the reason we have our trust in ditto and are happy to refer you to our surroundings. Though you are in tie up with insurers and sell their plans, you guys are super frank and look everything from a common man’s perspective. I hope this vision of yours stays forever.
3 changes that could have been done to make it relatively cheaper- 1) Room rent upto single standard AC room. 2) Pre and post hospitalization - 60 days 90 days 3) No claim bonus to be increased at 50% per year upto 200% percent (since 2X benfit has been stripped off)
See we don’t have to look at it from being “a cost effective” perspective, obviously insurance is a business and if we check the claim settlement ratio and incurred claim ratio and tally it with the cost of the plan, it is unviable to be cost effective and at the same time serve the best, we can only say this is leveraging it’s brand value and customer dissatisfied with other plans or the first joiners will come to hdfc for it’s brand value and they will push themselves up to the optima secure plan, it is basic psychology. you can see the same thing happening in any iphone se vs standard model and base variant vs top variant of any bikes, this is just business…
I am having very baf experience with hdfc ergo😢 while renewing my existing family floater policy one member excluded and the grievance cell is not addressing the problem correctly and still dragging the issue😢😢😢😢 For a policy renewal I am suffering money has gone and not received properly policy..... What will be the situation if there is a claim???????
Optima secure has rooms limited to single private AC room upto SI of 50 lakhs. No room restrictions only if SI of more than 50 lakhs. Why no one mentions about this and say Optima secure has no room rent restrictions all the time?
How rascals service and insurance by HDFC ergo by facing me and my friend. Two days ego my car has accident and i talk to hdfc for insurance claim but company behaviour and communications are so bad and they will be inselted for my language and they told that i will not give you insurance then i told him that i pay 9000 every year for what purpose then they told you don't pay my account and disconnect the call. Please guys tell me what have to do and same thing done with my friend last month from HDFC ergo. At my and my friend requestd that don't be insurance at HDFC ergo. I am hopeless and what i will do i don't know and one thing i told to company that i will take action then they told that everyone told that words
I did not inform the deductible amount in this policy pot, today my claim is approved but the company is not giving 1 lakh rupees, the plan is beautiful but I have not received my money, it doesn't matter, the company is saying no to this plan now.
3.36 Optima Secure offers base sum upto ₹1 Crore or ₹2 Crore? 3.56 Optima Secure offers base sum insured upto ₹5-₹7.5 Lakhs! What's this written here by Ditto !
kindly make details video on policy lapse vs terminated
Sure. We shall do that
Optima Secure is a good plan and claim settlement is awesome. We must buy such type of plan.
Great job guys! This is the reason we have our trust in ditto and are happy to refer you to our surroundings. Though you are in tie up with insurers and sell their plans, you guys are super frank and look everything from a common man’s perspective. I hope this vision of yours stays forever.
Thanks for you kind words! We strive to be unbiased and help folks with their insurance needs, without every spamming :)
Please make a video on navi vs hdfc ergo optima secure. Need to know which one is better.
Can I get brochure
PLEASE MAKE A VIDEO ON BEST ECONOMICAL HEALTH INSURACE
3 changes that could have been done to make it relatively cheaper-
1) Room rent upto single standard AC room.
2) Pre and post hospitalization - 60 days 90 days
3) No claim bonus to be increased at 50% per year upto 200% percent (since 2X benfit has been stripped off)
They are only giving monofocal lenses in Cataract cases...not the better quality imported lens
See we don’t have to look at it from being “a cost effective” perspective, obviously insurance is a business and if we check the claim settlement ratio and incurred claim ratio and tally it with the cost of the plan, it is unviable to be cost effective and at the same time serve the best, we can only say this is leveraging it’s brand value and customer dissatisfied with other plans or the first joiners will come to hdfc for it’s brand value and they will push themselves up to the optima secure plan, it is basic psychology. you can see the same thing happening in any iphone se vs standard model and base variant vs top variant of any bikes, this is just business…
I am having very baf experience with hdfc ergo😢 while renewing my existing family floater policy one member excluded and the grievance cell is not addressing the problem correctly and still dragging the issue😢😢😢😢
For a policy renewal I am suffering money has gone and not received properly policy..... What will be the situation if there is a claim???????
Optima secure has rooms limited to single private AC room upto SI of 50 lakhs. No room restrictions only if SI of more than 50 lakhs. Why no one mentions about this and say Optima secure has no room rent restrictions all the time?
so if my sum insured is only 5lakh then I can't opt for a single private AC room?
Read the policy wordings to understand the room rent limit restrictions. Usually the room rent is around 1% of Sum insured.
@@rajpadhi1 it's mentioned as no room rent capping
Make a video of best insurance for Senior Citizens in 2025 please.
We already made a video on this topic. Check it out here - th-cam.com/video/YCtp-NaStzA/w-d-xo.htmlsi=i8hGQV0pA8j78Kt3
Ajaybhai sir plese my claim.metter help i infom the hdfc company but not proper ans your company please help me 🙏
How rascals service and insurance by HDFC ergo by facing me and my friend. Two days ego my car has accident and i talk to hdfc for insurance claim but company behaviour and communications are so bad and they will be inselted for my language and they told that i will not give you insurance then i told him that i pay 9000 every year for what purpose then they told you don't pay my account and disconnect the call. Please guys tell me what have to do and same thing done with my friend last month from HDFC ergo. At my and my friend requestd that don't be insurance at HDFC ergo. I am hopeless and what i will do i don't know and one thing i told to company that i will take action then they told that everyone told that words
Sir hindi me bhi banaye aap yeh video, ya hindi words show ho screen per. Sabko english me samajh nahi aata.
Use subtitles with Translate feature
DONT WAT THAY ARE SAYING NOT UNDERSTOOD
I did not inform the deductible amount in this policy pot, today my claim is approved but the company is not giving 1 lakh rupees, the plan is beautiful but I have not received my money, it doesn't matter, the company is saying no to this plan now.
Star health optima insurance vs star assure health insurance
Please say " Rupees"
Don't use " Bucks " Sir.😢 let's respect money
3.36 Optima Secure offers base sum upto ₹1 Crore or ₹2 Crore?
3.56 Optima Secure offers base sum insured upto ₹5-₹7.5 Lakhs!
What's this written here by Ditto !
Please read the description. We mentioned it was an editing error :)
@@dittoinsurance Please read my first comment.
Is it called OPTIMA Secure light or just Optima Light? Pls clarify!
what is this video then?
th-cam.com/video/EvrrhFfvltQ/w-d-xo.html
It's HDFC ERGO Optima Lite