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Chola MS Flexi Health vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
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No room rent limit
This plan is a cost-effective option compared to other products in the market, making it budget-friendly. One of its advantages is the option to pay premiums on a monthly basis, a feature not commonly found in many other plans. However, it's important to note that while it covers hospitalization and related expenses, it does not offer comprehensive coverage. Additionally, based on our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
No restrictions on hospital room you can choose
Monthly premium payment allowed
Newborn baby expenses covered
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
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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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