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Aditya Birla Activ Care (Premier) vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
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Any room except suite and above
This plan is specifically designed for senior citizens, offering comprehensive coverage and support for various stages of their health and well-being. Apart from hospitalization and related expenses, it also covers OPD expenses such as medical consultations, diagnostics tests, etc. On the flip side, it doesn't allow you to make premium payments on a monthly basis and is relatively more expensive than other products in the market. 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.
Non-medical costs covered - gloves, oxygen masks, etc.
OPD costs covered - medications, tests, consultations, etc.
External medical aid expenses like wheelchair, walker, etc. covered
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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