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HDFC Ergo Optima Secure+ + Key Add-ons vs Tata AIG MediCare
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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 has some distinct features and benefits, making it a good choice if you want to purchase a plan that is tailored to your specific healthcare needs. Besides covering hospitalization and related expenses, it also covers dental treatment expenses as well as the cost of bariatric surgery that is performed for weight loss. You, however, cannot pay the premiums on a monthly basis. Speaking of purchase and claims experience, you are likely to have a pleasant experience with the insurer as they received fewer claim settlement and policy purchase complaints as compared to other insurers.
No restrictions on hospital room you can choose
Covers in-patient dental treatment due to disease or injury
Bariatric surgery for weight loss covered
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