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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Manipal Cigna Prime Senior (Elite) + 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 specifically designed for senior citizens and offers comprehensive coverage. It comes with several distinctive benefits and features, such as the option to waive the mandatory co-payment and reduce the pre-existing disease waiting period to just 90 days instead of 24 months. On the flip side, however, it does not allow you to pay premiums on a monthly basis and it is expensive than other products in the market. And, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
Option to reduce the PED waiting period to 90 days from 24 months
Option to waive off the mandatory co-payment
Cumulative bonus payable regardless of previous year's claims
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