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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa Senior First (Platinum)
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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
Single Private Room
This plan is exclusively tailored for senior citizens. In addition to covering hospitalization and related expenses, it covers several other expenses including the cost of consumable items like gloves, oxygen masks, etc. It also offers coverage for health check-ups from the very first day. Moreover, the plan provides the option to automatically increase the sum insured based on the previous year's inflation. On the flip side, however, this plan does not offer the monthly premium payment option. 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 sub-limits for common treatments like cataract etc.
Covers health check-up expenses from day 1
Option to automatically increase the cover amount based on previous year's inflation
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