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HDFC Ergo Optima Secure+ + Key Add-ons vs Manipal Cigna ProHealth Prime (Advantage) + 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 provides comprehensive protection and covers several expenses in addition to hospitalization and related expenses. These include expenses such as maternity costs, infertility treatment costs, and the cost of consumable items. Not only that, but it also provides a variety of options for getting discounts on premiums. However, it is more expensive than other products available in the market and does not offer a monthly premium payment option. Further, according to our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.
Guaranteed Cumulative Bonus up to 200%
Super Bonus up to 800%
Pregnancy-related expenses covered
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ILM Rating
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Claims Experience
Customer Service Experience
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