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HDFC Ergo Optima Secure+ + Key Add-ons vs Manipal Cigna ProHealth Prime (Active) + 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
Single Private AC Room
This plan covers hospitalization and related expenses as well as several other expenses including the cost of consumable items like gloves, oxygen masks, etc. One distinct feature of the plan is that it offers coverage for certain pre-existing conditions, like hypertension, diabetes, etc. from the 91st day. Additionally, the plan provides global coverage for emergency accidental hospitalization expenses and is quite easy on the pocket. On the flip side, it does not offer the option for monthly premium payments. Further, our research indicates that 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.
Cheaper than other products in the market
Asthma, Diabetes, Hypertension, Dyslipidemia, Obesity related conditions are covered from 91st day
Discount available on pharmacy, diagnostics & health supplements if purchased from network providers
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