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Acko Standard Health Insurance vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. Besides hospitalization and related expenses, it also covers OPD expenses, cost of consumables like gloves, oxygen masks, etc. Moreover, the plan provides the option to automatically increase the sum insured based on the previous year's inflation. It also provides option to make premium payment on monthly basis. And, as per our research, the insurer has received a fewer number of claim settlement and policy purchase complaints. This indicates that they have a strong track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Monthly premium payment allowed
Sum insured rises yearly for inflation protection
No room rent limit
HDFC ERGO Optima Secure+ is a health insurance plan with a comprehensive base cover and options to customize. It doubles your sum insured from Day 1, offers premium discounts and comes with add-ons for extra features. Your cover can also increase every year by 100% of the base sum insured, with no limit, even if you make claims. Overall, it gives you a robust coverage and flexibility to add features based on your needs.
No restrictions on hospital room you can choose
Monthly premium payment allowed
Doubles the cover amount from day 1
ILM Ratings
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ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
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