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Aditya Birla Activ Health Platinum (Premiere) vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan has some unique features and benefits, making it a good choice if you want to buy a plan that is tailored to your specific healthcare needs. Besides hospitalization and related expenses, it covers various expenses including maternity expenses, non-medical expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. It also covers management expenses for diabetes, hypertension, high cholesterol, and asthma from day 1. This plan, however, is one of the most expensive plans in the market and doesn't provide the monthly premium payment option. Speaking of purchase and claims experience, you are likely to have 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.
Mental illness treatment expenses covered
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
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