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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Niva Bupa Aspire (Titanium+) + 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 offers a variety of unique features and benefits, making it an excellent choice if you want to purchase a plan that is tailored to your specific healthcare needs. It offers several features to encourage youngsters to enrol at the earliest opportunity, like the option to pay premium as per entry age till first claim, passing on served waiting period to future spouse and more. It extends coverage beyond hospitalization to encompass various expenses, including maternity, overseas treatment, consumables, etc. On the flip side, however, the plan does not offer the option for monthly premium payments. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Waiting periods waived for future spouse if added later
Pregnancy, IVF, MTP, infertility, adoption, etc. covered
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ILM Rating
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