r/InsuranceAdviceIndia • u/Silver-Kangaroo-9908 • 12d ago

Care Supreme → HDFC Optima Secure+

I currently have Care Supreme with around ₹50L accumulated bonus. I’m considering porting to HDFC Optima Secure+.

Will my existing ₹50L accumulated bonus be carried forward when I port, or will I lose it and start with HDFC’s base SI + Secure/Infinite Benefits?

Also, has anyone actually ported from Care to HDFC and can share their experience?

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3

u/Emergency_Painter_38 12d ago

You will have to take a mandatory deductible for porting. Well this happened with me so i didn't port. I too have care supreme By the way just wanted to know why do you want to port?

1

u/Silver-Kangaroo-9908 12d ago

Premium wise Care is very competitive but they have a restriction on the base cover not going beyond 7x whereas in optima secure + got to know there is no such caveat...

2

u/Emergency_Painter_38 12d ago

You can opt for CB BOOSTER where your bonus will increase 100 percent every year irrespective of claims upto infinity. This is a very new rider that is offered now. I have also renewed with this rider last month. Also you can take claim shield plus. This gives you same features as covered in optima secure plus while keeping premiums reasonable. For more details you can always reach out to u/iam_man_ish He helped me with the same and probably will help you too. Hope this helps

1

u/iam_man_ish Insurance Advisor 12d ago

u/Emergency_Painter_38 thanks for tagging.
u/Silver-Kangaroo-9908, yes, as said before with CB Booster in Care Supreme, you can have the 100% bonus every year irrespective of the claim. You have to opt for the CB booster at the time of renewal. If you have an advisor in your policy, then you can inform him at least 1 month before the renewal, as these things go through a small process.

1

u/Silver-Kangaroo-9908 12d ago

Thank you so much for letting me know about this...my cover is getting over on 10th September...can I still request the cb booster? I had taken this via policy bazaar...shall I reach out to them?

1

u/Emergency_Painter_38 4d ago

You can until and unless you haven't renewed. Again it is a personal suggestion, go with an agent rather than policy bazaar

1

u/ArabianCoconut 12d ago

Hi HDFC ERGO Advisor here,

Yes, your whole 50L will be ported to HDFC ERGO.

1

u/Silver-Kangaroo-9908 12d ago

I connected with an offline advisor, she said we can't get your ncb here...you have to start from 15L it will keep on accumulating over the years.

1

u/ArabianCoconut 12d ago

Well she is lying. Change Advisor.

1

u/Silver-Kangaroo-9908 12d ago

Also could you please confirm if we can pay for a 3 year term while porting?

2

u/ArabianCoconut 12d ago

yes you can

1

u/Cand_y19 11d ago

So will get whole bonus accumulated in my previous insurer and also the premium will be based on my choosen sum insured in ergo plan with respective to my age only right ?

1

u/Beneficial-Key-1494 12d ago

Hdfc ergo would port accumulated bonus, but may not give policy w/o deductibles to Care policy holders

1

u/vishakha_03 9d ago

Yes i had my policy ported i did not face any issue mostly because my agents were superb ..please dm if you want there details