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HDFC Ergo Optima Secure+ + Key Add-ons vs National Mediclaim 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
140 day care procedures
This plan is more expensive compared to other options in the market, and it doesn't offer coverage on a floater basis. While it does covers various expenses including maternity, vaccinations for children up to 12 years, and surgical treatment for weight loss, it falls short of providing all-encompassing coverage. There are also sub-limits on modern treatments and other important treatments like cataract, etc. Further, there is no option to pay the premium on a monthly basis. Further, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record in terms of both purchase and claims service experience.
Covers expenses associated with pregnancy
Covers expenses incurred towards mental illness
Covers treatment caused due to participation in hazardous or adventure sports unless it is not your profession
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