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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider
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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 is quite easy on the pocket and offers distinct features and advantages, making it ideal for those seeking tailored healthcare coverage. It provides coverage for diabetes and hypertension from day one if you opt for the disease management rider. When you buy this plan, your age gets locked and you pay the premium as per entry age, until your first claim. Moreover, any unused base sum insured can be carried forward to the following policy year, with a maximum limit of ten times the base sum insured. The coverage extends beyond hospitalization expenses and encompasses non-medical items such as gloves, oxygen masks, and more. However, the plan does not provide 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
Covers diabetes & hypertension from day 1
Age-linked premium stays constant, until first claim
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Claims Experience
Customer Service Experience
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