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HDFC Ergo Optima Secure+ + Key Add-ons vs ICICI Lombard Health AdvantEdge
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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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Single Private AC Room
This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. It combines affordability with an array of features and benefits, making it an ideal choice. Not only is it cost-effective compared to other similar products in the market, but it also offers coverage for numerous expenses such as consumables, bariatric surgery, maternity expenses, OPD expenses along with hospitalization-related expenses. The fact that you cannot choose to pay the premiums on a monthly basis is one of the drawbacks of the product. Further, our research suggests that the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Non-medical costs covered - gloves, oxygen masks, etc.
Bonus added every year, even if you claim
OPD costs covered - medications, tests, consultations, etc.
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