[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-347270-105":59,"doc-detail-347270-en":129},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":122,"head_meta":124,"extra_data":126,"updated_unix":128},105,"en","click-2-protect-optima-secure-brochure-key-features-and-eligibility","Click 2 Protect Optima Secure - Brochure - Key Features and Eligibility","","Click 2 Protect Optima Secure is a non-linked, non-participating combined insurance plan focused on protecting life and health. It offers protection options such as Secure Benefit, Plus Benefit, Restore Benefit, Whole of Life cover where applicable, Return of Premium on survival till maturity, and Waiver of Premium on critical illness diagnosis (via WOPCI). Health coverage is an indemnity model for hospitalization expenses from illness or accident, including global cover outside India and options like Income Plus payouts from age 60 onwards. The brochure outlines plan options and eligibility conditions by age at entry, age at maturity, policy term, and premium payment terms, including premium payment frequency minimums.",{"@graph":69,"@context":121},[70,84,104],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/click-2-protect-optima-secure-brochure-key-features-and-eligibility/347270/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":98,"encodingFormat":97,"isAccessibleForFree":99,"interactionStatistic":100},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/click-2-protect-optima-secure-brochure-key-features-and-eligibility/347270.png","ImageObject",300,407,{"name":92,"@type":93},"Pentious","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-09-22",true,{"@type":101,"interactionType":102,"userInteractionCount":14},"InteractionCounter",{"@type":103},"ViewAction",{"@type":105,"mainEntity":106},"FAQPage",[107,113,117],{"name":108,"@type":109,"acceptedAnswer":110},"What key protection benefits are available under Click 2 Protect Optima Secure?","Question",{"text":111,"@type":112},"The plan provides Secure Benefit, Plus Benefit, and Restore Benefit. It can also offer Whole of Life cover (where applicable), Return of Premium on survival till maturity, and Waiver of Premium on critical illness diagnosis through the WOPCI option.","Answer",{"name":114,"@type":109,"acceptedAnswer":115},"How does the health coverage work in this insurance plan?",{"text":116,"@type":112},"The health portion is an indemnity health insurance product covering hospitalization expenses incurred due to illness or accident. It also includes global cover for hospitalization expenses incurred outside India.",{"name":118,"@type":109,"acceptedAnswer":119},"What are the eligibility conditions based on age and policy terms?",{"text":120,"@type":112},"Eligibility depends on the chosen plan option and variant, including minimum and maximum age at entry, minimum and maximum age at maturity, and min/max policy term ranges. It also specifies minimum entry age for adults and dependent children, and lists premium payment term structures for different pay options.","https://schema.org",{"og:url":83,"og:type":123,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":125,"canonical":83},"index,follow",{"doc_id":127,"site_id":62},347270,1790101113,{"code":4,"msg":5,"data":130},{"doc_id":127,"user_id":131,"nickname":92,"user_avatar":132,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":133,"file_id":134,"file_url":135,"file_type":136,"file_size":137,"view_count":14,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":138,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144},1374404730887,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","| \u003Cbr>Stay nancially protected against rising medical costs with 4X health cover and assured life cover .\u003Cbr>\u003Cbr>Click 2 Protect Optima Secure from  and HDFC ERGO |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- |\n| Life & Health cover of `50,000 & `5 Lakh respectively @ `890 per month* |  |  |  |  |  |  |\n| | 2X coverage from day 1 with Secure Bene t | | 100% increase in coverage with Plus Bene t | | 100% restore coverage with Restore Bene t |  |\n| Click 2 Protect Optima Secure\u003Cbr>A Non-Linked Non Participating Combi Insurance Plan |  |  | |  |  | |\n| * Premium rates for age-30 years, Male, Non Smoker, Annual mode, regular pay, exclusive of taxes & inclusive of 5% discount. Protection-Life Protect Fixed Term Option-`229, Sum Assured- `50,000, Policy Term-5 years. Health-Individual Option- `10,450, Sum Assured- `5 Lakh, Policy Term-Life Long Renewal, Applicable for NCR & Mumbai Metropolitan region only. Total annual premium = `10,679, monthly premium (10,679/12= `890(rounded up)) |  |  |  |  |  |  |\n\nuncertainties. Our foremost responsibility is to protect our loved ones by being insured with all-round protection for life and health.  \nHDFC Life and HDFC ERGO have joined hands to give you Click 2 Protect Optima Secure  you and your family. This product will help you stay truly protected and lead a life of pride!  \nWHAT ARE THE KEY FEATURES AVAILABLE?  \nProtection  \nOption to choose a c options  \nGet income payouts from age 60 onwards under Income Plus Option  \n Option to avail cover for Whole of Life*  \n Get back all premiums paid on survival till maturity with Return of Premium option**  \n Waiver of Premium on diagnosis of Critical Illness (through WOPCI option) \\#  \n Additional Sum Assured on Accidental Death (through ADB option)\\#\\#  \n• Special premium rates for female lives and non-tobacco users  \nHealth:  \nmy: Optima Secure is a unique indemnity health insurance product which covers expenses incurred on hospitalization due to Illness or Accident. Some of the innovative benefits offered are:  \nequivalent to 100%/200% of the Base Sum Insured.  \nof the Base Sum Insured in 2 years irrespective of a claim.  \nInsured automatically on partial or complete utilization of Base Sum Insured (i.e. Base Sum Insured, Secure Benefit and Plus Benefit / Cumulative Bonus)  \nlike gloves, food chargesand other consumables during hospitalization.  \n Global cover provides coverage for hospitalization expenses incurred outside India.  \n^Available under Life & CI Rebalance Option only  \n*Available under Life Protect and Income Plus Options only  \n**Available as an inbuilt feature under Income Plus Option and on payment ofextra premium under Life Protect Option (Fixed Term variant) and Life & CI Rebalance Option.  \n\\# WoP on diagnosis ofCI is available as in inbuilt feature under Life & CI Rebalance Option and on payment of extra premium under Life Protect Option (Fixed Term variant).\\#\\# ADB option is available on payment of extra premium under Life Protect Option.  \nWHAT ARE THE ELIGIBILITY CONDITIONS?  \nProtection:  \n\n| Plan Option | Life & CI\u003Cbr>Rebalance | Life Protect |  | Income Plus |  |\n| --- | --- | --- | --- | --- | --- |\n|  |  | Fixed Term | Whole Life | Fixed Term | Whole Life |\n| Min. Age at Entry | 18 years | 18 years | 45 years | 30 years | 45 years |\n| Max. Age at Entry | 65 years | 65 years for non-PoS\u003Cbr>60 years for PoS | 65 years | 50 years | 10 Pay: 50 years\u003Cbr>Single Pay,\u003Cbr>5 Pay: 55 years |\n| Min. Age at Maturity | 28 years | 18 years for non-PoS\u003Cbr>23 years for PoS | Whole of Life | 70 years | Whole of Life |\n| Max. Age at Maturity | 75 years | 85 years for non-PoS\u003Cbr>65 years for PoS | Whole of Life | 85 years | Whole of Life |\n| Min. Policy Term | 10 years | Single Pay:\u003Cbr>1 month for non-PoS\u003Cbr>5 years for PoS Regular Pay: 5 years Limited Pay: 6 years | Whole of Life | 70 years –\u003Cbr>Age at Entry | Whole of Life |\n| Max. Policy Term | 30 years | 85 years – Age at Entry for non-PoS\u003Cbr>65 years – Age at Entry","cbCaii3nShLJqPWX","https://ap.wps.com/l/cbCaii3nShLJqPWX","pdf",6974178,32,"English","# Key Features\n## Protection benefits\n## Health benefits\n# Eligibility Conditions\n## Plan options and age limits\n## Premium payment terms and minimum premiums","[{\"question\":\"What key protection benefits are available under Click 2 Protect Optima Secure?\",\"answer\":\"The plan provides Secure Benefit, Plus Benefit, and Restore Benefit. It can also offer Whole of Life cover (where applicable), Return of Premium on survival till maturity, and Waiver of Premium on critical illness diagnosis through the WOPCI option.\"},{\"question\":\"How does the health coverage work in this insurance plan?\",\"answer\":\"The health portion is an indemnity health insurance product covering hospitalization expenses incurred due to illness or accident. It also includes global cover for hospitalization expenses incurred outside India.\"},{\"question\":\"What are the eligibility conditions based on age and policy terms?\",\"answer\":\"Eligibility depends on the chosen plan option and variant, including minimum and maximum age at entry, minimum and maximum age at maturity, and min/max policy term ranges. It also specifies minimum entry age for adults and dependent children, and lists premium payment term structures for different pay options.\"}]","Click 2 Protect Optima Secure - Brochure - Key Features and Eligibility | PDF",1790066158,81]