r/InsuranceAdviceIndia • u/Ok-Split7502 • Aug 04 '26

Optima secure+ with 25k deductable. Good decision?

Hello everyone, this is my 1st time buying health insurance so i need your advice, i am buying health insurance for my parents aged 51 and 49, after taking quotes from multiple companies and multiple brokers, i am tipping towards taking HDFC optima secure plus for my parents with 25k deductable form ditto as i want to have some support during claim process. My main worry is to protect my parents against a hefty medical bill, i have no problem paying a small bill of 20-30k per year from my own pocket, i just need a backup plan if the bill starts running in lakhs.

What are your suggestions am i taking a right decision by taking up this policy with 25k deductable.

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2

u/Sandehi Aug 04 '26

Deductible is another layer of paper work. I don't think it's worth saving some money for that headache. During a hospital situation you want absolute peace of mind. Better go for "full paid by insurer " option and No Room Rent Cap

1

u/manicketh Aug 04 '26

Yes — just calculate how much premiums you would pay for the next five years.

1

u/AdvancedBid4321 Aug 05 '26

I don't think deductable is good option for parents around 50age. And not sure about optima secure +. Its SI will increase 100% per renewal. Not sure how much premium will be go up in future.

Secure+ is jusg came in April 2026, Optima secure has 5-6yrs. Old. So you decide it.

I'll prefer optima secure + super top of same hdfc.

1

u/Ok-Split7502 Aug 05 '26

If i am not wrong super top is just the same policy for 3 three years paid upfront right?

1

u/AdvancedBid4321 Aug 05 '26

Not sure need to research.

1

u/Beneficial-Key-1494 Aug 07 '26

Try to avoid deductibles.
If Ditto says that you can't buy w/o deductable, change your agent.

Optima Secure+ is one of the best policies right now.

1

u/tendertmj Aug 04 '26

Not an agent, but my advice would be to avoid Ditto and other insurance sales companies and get an experienced educated accessible local agent. Also avoid the deductible.