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Go Digit Infinity Wallet + Key Add-ons vs HDFC Ergo Optima Secure+ + Key Add-ons
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No room rent limit
This plan is an affordable option with several unique features, including an inbuilt Personal Accident cover. It covers expenses associated with hospitalization, non-medical expenses, bariatric surgery costs, etc. However, it is only available as a floater, not on an individual basis. This means that you can only purchase this plan if you want to cover two or more people. Further, while the plan allows multiple options so that you can get discounts on your premium, it does not provide the monthly premium payment option. And, based on 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
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
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ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
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