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Go Digit Worldwide Treatment 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, unique features and benefits. Besides covering hospitalization-related expenses, non-medical costs, bariatric surgery, etc., it offers worldwide coverage for medical treatments, and an inbuilt Personal Accident cover. However, it does not provide coverage for significant expenses like maternity-related costs or OPD expenses such as medicines, tests, consultations, etc. What's more, is that the plan allows multiple options so that you can get discounts on your premium. On the flip side, however, it does not provide the monthly premium payment option. Further, our research indicates that the insurer has relatively fewer complaints related to policy purchases but a higher number of claim settlement complaints.
No restrictions on hospital room you can choose
Global treatment expenses covered
Option to get unlimited super bonus
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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