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Aditya Birla Activ Health Platinum (Enhanced) vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you want a plan that offers comprehensive coverage and is easy on the pocket. In addition to hospitalization and related expenses, it covers maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. It also covers management expenses associated with diabetes, hypertension, high cholesterol, and asthma from day 1. On the flip side, however, the plan doesn't offer the monthly premium payment option. Speaking of purchase and claims experience, you are likely to have a pleasant experience with the insurer as they received fewer claim settlement and policy purchase complaints.
Non-medical costs covered - gloves, oxygen masks, etc.
Pregnancy-related expenses covered
Newborn baby expenses covered
ILM Ratings
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
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ILM Rating
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