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HDFC Ergo Optima Secure+ + Key Add-ons vs ICICI Lombard Elevate + Key Add-ons
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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
No room rent limit
This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. Besides hospitalisation and related expenses, it offers coverage for numerous expenses such as consumables, bariatric surgery, maternity expenses, OPD expenses, etc. You can also reduce the PED waiting period to 2 years or 1 year and the specified disease waiting period to 1 year. Further, it offers the flexibility to choose longer policy tenures with options ranging from 2 to 5 years, helping you avoid the hassle of annual renewals. On the flip side, you cannot choose to pay the premiums on a monthly basis under the plan. Furthermore, our research suggests that the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Option to choose unlimited sum insured
Unlimited coverage for any one claim during the policy's lifetime
Option to get unlimited bonus every year
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