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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Star Health Diabetes Safe (Plan A)
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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
Single Private AC Room
This plan is tailored to meet the needs of individuals with pre-existing diabetes and its associated complications right from day 1. However, it lacks comprehensive coverage. It doesn't provide notable benefits, such as domiciliary treatment coverage. And, there are restrictions on core benefits like modern treatments, and specific treatments like cataract, etc. Moreover, it doesn't offer the flexibility of monthly premium payments. Further, our research indicates that the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints, suggesting a poor track record in terms of both purchase and claims service experience.
Fairly priced in comparison to other products in the market
Covers medical expenses related to diabetes and its complications from day 1
Covers outpatient department costs, such as medications, consultations, etc.
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