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Aditya Birla Activ Fit (Preferred) vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan hits the sweet spot with its affordable pricing as well as features and benefits. It is a perfect choice if you are looking for a plan that offers comprehensive coverage and is easy on the pocket. Besides hospitalization and related expenses, various expenses including maternity expenses, cost of consumable items, and OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. are covered under the plan. Not only this, but it also offers multiple options to get discounts on your premium. On the flip side, however, the plan is not available on an individual basis, and it doesn't provide the monthly premium payment option. Speaking of purchase and claims experience, you are likely to have relatively a pleasant experience with the insurer as they received fewer claim settlement and policy purchase complaints.
No restrictions on hospital room you can choose
Non-medical costs covered - gloves, oxygen masks, etc.
Cashless annual health check-up from day 1
ILM Ratings
No room rent limit
HDFC ERGO Optima Secure+ is a health insurance plan with a comprehensive base cover and options to customize. It doubles your sum insured from Day 1, offers premium discounts and comes with add-ons for extra features. Your cover can also increase every year by 100% of the base sum insured, with no limit, even if you make claims. Overall, it gives you a robust coverage and flexibility to add features based on your needs.
No restrictions on hospital room you can choose
Monthly premium payment allowed
Doubles the cover amount from day 1
ILM Ratings
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ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
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