Get instant answers to your insurance queries
Term Life Insurance
Health Insurance
Parent's Health
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Compare Health Insurance
HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs New India Floater Mediclaim
ILM ⭐️ Rating - See how we score
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
Up to 1% of SI per day
This plan is significantly cheaper and a budget-friendly alternative to other products in the market. However, while it covers hospitalization and associated medical costs, and offers features like mid-term addition of a newly-married spouse, it doesn't offer comprehensive coverage. It lacks the feature to replenish the sum insured once it's exhausted within a policy year. The plan also includes sub-limits on crucial benefits like modern treatment coverage and common treatments such as cataract treatment. Furthermore, it does not offer the flexibility to pay 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.
Mid-term inclusion of newly-married spouse allowed
Artificial life maintenance treatment covered
Congenital defects (internal/external) covered
ILM Ratings
View detail comparison
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Industry Experts with up to 20 years of experience help you from purchase to claims.
Discover the best tips for insurance every week!
Easy ways to make sense of insurance
Key updates that actually affect you
Real stories to help you avoid mistakes
Term Insurance Products
Health Insurance Products
Savings Insurance Products
Insurance Companies
Term Life Insurance
Health Insurance