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HDFC Ergo Optima Secure+ + Key Add-ons vs Star Health Family Health Optima
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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
Any room except Suite or above
This plan is affordable in comparison to other products available in the market. While it does cover various expenses such as those related to assisted reproductive treatments, newborn babies from day 16, it's important to note that it doesn't provide comprehensive coverage. Moreover, it imposes sub-limits on common treatments like cataracts, potentially leading to significant out-of-pocket expenses. On the positive side, it provides multiple options to get premium discounts, enhancing its cost-effectiveness. However, it 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.
Non-medical costs covered - gloves, oxygen masks, etc.
Bonus added every year, even if you claim
Repatriation of mortal remains costs covered
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