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Bajaj General Health Guard (Platinum) vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan hits the sweet spot in terms of pricing, features, and benefits. Not only is it fairly priced in comparison to other products, but it also covers several expenses besides hospitalization and related expenses, such as the cost of consumable items, bariatric surgery, maternity expenses, and OPD expenses, which are day-to-day expenses for medicines, tests, consultations, etc. It, however, does not cover domiciliary treatment expenses and imposes sub-limits on important treatments like cataract. Moreover, it doesn't give you the option to pay your premiums on a monthly basis. As per our research, the insurer has received fewer claim settlement and policy purchase complaints. This implies that you are very likely to have a pleasant experience with them.
No restrictions on hospital room you can choose
Pregnancy-related expenses covered
OPD costs covered - medications, tests, consultations, etc.
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
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
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