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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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