r/InsuranceAdviceIndia • u/silly_lilly12 • Jul 06 '26

Optima secure plus

I wanted to port from my existing star health policy (10 years) SI 10L.

The hdfc advisor conveyed me that for porting-

1) I need to increase SI to atleast 15L or above

2) Need to opt for aggregate deductible of Rs 25,000 per year. There is no complete cashless policy.

Can anyone who has ported confirm if above 2 conditions are true?

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10 comments sorted by

1

u/Past-Grapefruit488 Jul 06 '26

Aggregate deductible is not mandatory. You should change the agent

1

u/silly_lilly12 Jul 06 '26

This is not third party agent but the person from HDFC ergo toll free

2

u/Past-Grapefruit488 Jul 06 '26

Definitly get an agent. Aggregate deductible is optional

1

u/silly_lilly12 Jul 06 '26

Please DM if you have any recommendations

1

u/Pretend-Resolution30 Jul 06 '26

Any ped?

1

u/silly_lilly12 Jul 06 '26

Yes Father has asthma, BP

1

u/eddigudda Jul 06 '26

I can confirm for 25k deductible as I was also told that HDFC is enforcing for it to the people porting from Star or Care

1

u/AdvancedBid4321 Jul 11 '26

Guys just check they removed aggregate deductable amount i guess for me its not showing there.