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Aditya Birla Activ Care (Premier) vs HDFC Ergo Optima Secure+ + Key Add-ons
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Any room except suite and above
This plan is specifically designed for senior citizens, offering comprehensive coverage and support for various stages of their health and well-being. Apart from hospitalization and related expenses, it also covers OPD expenses such as medical consultations, diagnostics tests, etc. On the flip side, it doesn't allow you to make premium payments on a monthly basis and is relatively more expensive than other products in the market. And, 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.
Non-medical costs covered - gloves, oxygen masks, etc.
OPD costs covered - medications, tests, consultations, etc.
External medical aid expenses like wheelchair, walker, etc. 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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