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HDFC Ergo Energy (Gold) vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan is specifically tailored to cater to people with diabetes and hypertension. It is quite easy on the pocket.It not only includes hospitalization and associated expenses but also offers immediate coverage for diabetes and hypertension. Additionally, it covers the cost of HbA1C tests and provides incentives for maintaining good health, which are determined by medical test results and health parameters such as BMI, BP. cholesterol, etc. However, the plan does not provide the option for monthly premium payments. And, our research indicates that the insurer has received fewer complaints related to claims, reflecting a positive claims experience. But, there has been a higher number of complaints related to policy purchases, suggesting a poor track record in terms of purchase experience.
No restrictions on hospital room you can choose
Covers diabetes & hypertension from day 1
Offers health rewards based on test results and parameters like BMI, BP, etc.
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
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ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
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