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Aditya Birla Activ One (VYTL) vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
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No room rent limit
This plan is fairly priced relative to similar products in the market and provides comprehensive coverage along with some unique features, add-ons and exciting discounts. In addition to covering hospitalization and related expenses, it also covers non-medical expenses, provides an option to cover listed chronic conditions from day 1, etc. Additionally, it also includes fitness benefits and mental well-being support. However, it has some drawbacks, such as the unavailability of a monthly premium payment mode. Further, as per our research, the insurer has received a fewer number of claim settlement and policy purchase complaints. This indicates that they have a strong track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Chronic conditions such as diabetes, BP, etc. covered from day 1
Covers live-in partners of any gender
ILM Ratings
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
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ILM Rating
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