Get instant answers to your insurance queries
Term Life Insurance
Health Insurance
Parent's Health
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Compare Health Insurance
HDFC Ergo Energy (Gold) vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
ILM ⭐️ Rating - See how we score
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
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
ILM Ratings
View detail comparison
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Industry Experts with up to 20 years of experience help you from purchase to claims.
Discover the best tips for insurance every week!
Easy ways to make sense of insurance
Key updates that actually affect you
Real stories to help you avoid mistakes
Term Insurance Products
Health Insurance Products
Savings Insurance Products
Insurance Companies
Term Life Insurance
Health Insurance