u/4sarthak

I am looking to buy HDFC Ergo Optima Secure plus for me and my spouse, both 32 in Bangalore. Planning to get 15 or 20L base cover the floater policy without any deductible. Interest in this policy due to unlimited 100% base increase every year without conditions ( even if we claim). Also looking to pay for 3 years in 1 short.

The premium difference is around Rs 700 b/w 15L and 20L.

Broad questions

1. Any gaps in this policy or is it a good policy to get?

2. Should I buy directly from HDFC Ergo site or via some platform such as DITTO?

3. Is 15L premium good enough?

I am looking to buy HDFC Ergo Optima Secure plus for me and my spouse, both 32 in Bangalore. Planning to get 15 or 20L base cover the floater policy without any deductible. Interest in this policy due to unlimited 100% base increase every year without conditions ( even if we claim). Also looking to pay for 3 years in 1 short.

The premium difference is around Rs 700 b/w 15L and 20L.

Broad questions

1. Any gaps in this policy or is it a good policy to get?

2. Should I buy directly from HDFC Ergo site or via some platform such as DITTO?

3. Is 15L premium good enough?