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HDFC Ergo Optima Secure+ + Key Add-ons vs Tata AIG MediCare Premier + Key Add-ons
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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 maternity expenses, dental treatment expenses, the cost of bariatric surgery that is performed for weight loss, and the cost of consumables. On the flip side, it doesn't provide the monthly premium payment option and is quite expensive as compared to other insurers. Further, as per our research, the insurer has relatively received a fewer number of claim settlement and policy purchase complaints. This indicates that they have a strong track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Non-medical costs covered - gloves, oxygen masks, etc.
Pregnancy-related expenses covered
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ILM Rating
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Claims Experience
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