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Go Digit Double Wallet vs HDFC Ergo Optima Secure with ABCD Chronic Care Rider
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No room rent limit
This plan is significantly cheaper and a budget-friendly alternative to other products in the market. It offers numerous unique features, including an inbuilt Personal Accident cover, and covers various expenses associated with hospitalization, non-medical costs, bariatric surgery, and so on. The plan also allows multiple options so that you can get discounts on your premium. However, it does not provide the option to pay your premiums monthly. Lastly, as per our research, the insurer has relatively fewer complaints related to policy purchases but a higher number of claim settlement complaints.
No restrictions on hospital room you can choose
Option to get unlimited super bonus
Non-medical costs covered - gloves, oxygen masks, etc.
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
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Claims Experience
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