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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Niva Bupa ReAssure 2.0 (Platinum+)
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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 stands out with its unique features and benefits, offering a customized solution for your healthcare needs. One notable feature of the plan is that your age gets locked when you buy it and you pay the premium as per entry age, until your first claim. Additionally, any unused base sum insured can be carried forward to the next policy year, up to a maximum of 5 times the base sum insured. The coverage extends beyond hospitalization expenses and includes non-medical items like gloves, oxygen masks, etc. On the flip side, however, the plan does not offer the option for monthly premium payment. Additionally, 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.
No restrictions on hospital room you can choose
Age-linked premium stays constant, until first claim
Restoration benefit activates after the first claim, and stays triggered forever
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