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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs ICICI Lombard Elevate + Key Add-ons
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No room rent limit
This plan covers medical expenses related to pre-existing diseases (PEDs) such as asthma, hypertension, cholesterol, and diabetes starting from the 31st day of the policy. It is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. The plan allows you to pay your premiums monthly and covers several costs including the cost of consumables, dental treatment, maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. On the flip side, however, it is more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Covers asthma, BP, cholesterol, diabetes from day 31
No restrictions on hospital room you can choose
Doubles the cover amount from day 1
ILM Ratings
No room rent limit
This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. Besides hospitalisation and related expenses, it offers coverage for numerous expenses such as consumables, bariatric surgery, maternity expenses, OPD expenses, etc. You can also reduce the PED waiting period to 2 years or 1 year and the specified disease waiting period to 1 year. Further, it offers the flexibility to choose longer policy tenures with options ranging from 2 to 5 years, helping you avoid the hassle of annual renewals. On the flip side, you cannot choose to pay the premiums on a monthly basis under the plan. Furthermore, our research suggests that the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Option to choose unlimited sum insured
Unlimited coverage for any one claim during the policy's lifetime
Option to get unlimited bonus every year
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