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HDFC Ergo Optima Secure+ + Key Add-ons vs ManipalCigna ProHealth (Plus)
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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
Any room except Suite
Besides hospitalization and related expenses, this plan offers coverage for several expenses including maternity expenses, outpatient department expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. It, however, does not provide a monthly premium payment option. And, the insurer has received a higher number of claim settlement and policy purchase complaints, according to our research. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
Guaranteed Cumulative Bonus up to 200%
Super Cumulative Bonus is available
Pregnancy-related expenses covered
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