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Aditya Birla Activ One (SAVR) + Key Add-ons vs HDFC Ergo Optima Restore + Key Add-ons
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No room rent limit
The plan offers an option to cover listed chronic conditions from Day 1 and includes external medical aids like ventilators and wheelchairs. It covers live-in partners of any gender and also pays for non-medical hospital costs such as gloves and oxygen masks.
No restrictions on hospital room you can choose
Chronic conditions like asthma, BP, etc. covered from day 1
External medical aid expenses like ventilator, wheelchair etc. covered
ILM Ratings
No room rent limit
This plan by HDFC Ergo provides comprehensive coverage and covers a variety of expenses in addition to hospitalization and related expenses. It also has some distinct features and benefits, such as the option of automatically increasing your sum insured in accordance with the previous year’s inflation. Additionally, if provides you the flexibility to make premium payment on monthly basis. On the flip side, however, it is more expensive than other products in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
No restrictions on hospital room you can choose
Monthly premium payment allowed
Option to auto-increase cover based on last year’s inflation
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