Get instant answers to your insurance queries
Term Life Insurance
Health Insurance
Parent's Health
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Compare Health Insurance
Care Insurance Care vs HDFC Ergo Optima Secure+ + Key Add-ons
ILM ⭐️ Rating - See how we score
Single private AC room
This plan is easy on the pocket and provides comprehensive coverage. In addition to hospitalization and related expenses, it covers non-medical expenses such as gloves, oxygen masks, etc, as well as OPD expenses, which are day-to-day expenses for medicines, tests, consultations, etc. It also provides you an option to automatically increase your sum covered in accordance with the previous year’s inflation. On the flip side, however, the plan does not allow you to pay your premiums monthly. Additionally, according to our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchases and claims.
Option to auto-increase cover based on last year’s inflation
Non-medical costs covered - gloves, oxygen masks, etc.
Super Bonus is available
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
View detail comparison
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Industry Experts with up to 20 years of experience help you from purchase to claims.
Discover the best tips for insurance every week!
Easy ways to make sense of insurance
Key updates that actually affect you
Real stories to help you avoid mistakes
Term Insurance Products
Health Insurance Products
Savings Insurance Products
Insurance Companies
Term Life Insurance
Health Insurance