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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider
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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 quite easy on the pocket and offers distinct features and advantages, making it ideal for those seeking tailored healthcare coverage. It provides coverage for diabetes and hypertension from day one if you opt for the disease management rider. When you buy this plan, your age gets locked and you pay the premium as per entry age, until your first claim. Moreover, any unused base sum insured can be carried forward to the following policy year, with a maximum limit of ten times the base sum insured. The coverage extends beyond hospitalization expenses and encompasses non-medical items such as gloves, oxygen masks, and more. However, the plan does not provide 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
Covers diabetes & hypertension from day 1
Age-linked premium stays constant, until first claim
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