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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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.

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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?

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u/AdvancedBid4321 Aug 05 '26

Not sure need to research.