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HDFC Ergo Optima Secure+ + Key Add-ons vs Royal Sundaram Multiplier
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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 an ideal option for those seeking affordable and comprehensive health insurance coverage. It offers a range of features and benefits that makes it a favorable choice. In addition to its competitive pricing compared to similar products in the market, it provides coverage for various expenses such as mobility devices like wheelchairs, crutches, etc., coverage for app-based cab services like Ola and Uber, and so on. It also offers coverage for pre-existing diseases like Asthma, BP, Cholesterol, and Diabetes from the 31st day of policy purchase. The plan, however, doesn't offer the monthly premium payment option. Further, our research suggests that the insurer has relatively 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.
No restrictions on hospital room you can choose
Covers PEDs like Asthma, BP, Cholesterol, Diabetes from 31st day
Non-medical costs covered - gloves, oxygen masks, etc.
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ILM Rating
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Claims Experience
Customer Service Experience
Product Benefits
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