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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa Aspire (Titanium+) + 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 offers a variety of unique features and benefits, making it an excellent choice if you want to purchase a plan that is tailored to your specific healthcare needs. It offers several features to encourage youngsters to enrol at the earliest opportunity, like the option to pay premium as per entry age till first claim, passing on served waiting period to future spouse and more. It extends coverage beyond hospitalization to encompass various expenses, including maternity, overseas treatment, consumables, etc. On the flip side, however, the plan does not offer the option for monthly premium payments. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Waiting periods waived for future spouse if added later
Pregnancy, IVF, MTP, infertility, adoption, etc. covered
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ILM Rating
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Claims Experience
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