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HDFC Ergo Optima Secure+ + Key Add-ons vs Manipal Cigna Prime Senior (Elite) + 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 specifically designed for senior citizens and offers comprehensive coverage. It comes with several distinctive benefits and features, such as the option to waive the mandatory co-payment and reduce the pre-existing disease waiting period to just 90 days instead of 24 months. On the flip side, however, it does not allow you to pay premiums on a monthly basis and it is expensive than other products in the market. And, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
Option to reduce the PED waiting period to 90 days from 24 months
Option to waive off the mandatory co-payment
Cumulative bonus payable regardless of previous year's claims
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