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Aditya Birla Activ Fit (Plus) vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
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No room rent limit
This plan hits the sweet spot in terms of pricing, features, and benefits. It is a good choice if you want a plan that provides comprehensive coverage while remaining affordable. Aside from hospitalization and related expenses, the plan covers a variety of expenses such as the cost of consumable items and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, and so on. Not only this, but it also provides several options for getting premium discounts. On the flip side, however, the plan doesn't provide an option to pay the premiums on a 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
Covers live-in partners of any gender
3 EMIs paid if hospitalised for 6+ days
ILM Ratings
No room rent limit
This plan covers medical expenses related to pre-existing diseases (PEDs) such as asthma, hypertension, cholesterol, and diabetes starting from the 31st day of the policy. It is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. The plan allows you to pay your premiums monthly and covers several costs including the cost of consumables, dental treatment, maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. On the flip side, however, it is more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Covers asthma, BP, cholesterol, diabetes from day 31
No restrictions on hospital room you can choose
Doubles the cover amount from day 1
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ILM Rating
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