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Aditya Birla Activ One (NXT) + Key Add-ons vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan stands out as a cost-effective option compared to other products in the market and provides a range of features and benefits. It extends coverage beyond hospitalization to encompass various expenses, including mental health, obesity, consumables and offers option to reduce PED waiting period. It offers a Super Credit feature which enhances the sum insured by 100% upon renewal, up to a maximum of 500% of the base sum insured, irrespective of any past claims. It also offers coverage for seven chronic conditions like diabetes, asthma, etc., from Day 1. On the flip side, however, the plan doesn't offer the monthly premium payment option. 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
Option to reduce PED waiting period to 1 or 2 years
Chronic conditions like asthma, BP, etc. covered from day 1
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
ILM Ratings
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ILM Rating
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Claims Experience
Customer Service Experience
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