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HDFC Ergo Optima Secure+ + Key Add-ons vs IndusInd General Health Infinity + Key Add-ons
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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
ILM Ratings
No room rent limit
This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you are looking for a plan that offers comprehensive coverage and is easy on the pocket. Besides hospitalization and related expenses, various expenses including maternity expenses, cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. are covered under the plan. Moreover, it offers multiple options to obtain premium discounts, enhancing its cost-effectiveness. On the flip side, however, the plan does not allow you to pay your premiums on a monthly basis. And, according to our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
No restrictions on hospital room you can choose
Waiting periods for PEDs/specific ailments can be reduced
External medical aid expenses like braces, wheelchair etc. covered
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