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HDFC Ergo Optima Secure+ + Key Add-ons vs Manipal Cigna ProHealth (Protect)
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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
This plan is quite easy on the pocket. However, while it covers hospitalization and related expenses, OPD expenses such as medicines, tests, consultations, etc., it does not cover maternity expenses, infertility treatment expenses, and so on. It also does not provide an option to make monthly premium payments. And, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This means that the insurer has a poor track record in terms of both purchase and claims service.
Fairly priced in comparison to other products in the market
Covers outpatient department costs, such as medications, tests, consultations, etc.
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