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HDFC Ergo Optima Secure+ + Key Add-ons vs Manipal Cigna ProHealth Prime (Protect)
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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 hits the sweet spot with its affordable pricing and some unique features/benefits. It is a perfect choice if you are looking for a plan that offers comprehensive protection and is easy on the pocket. Besides hospitalization and related expenses, it covers a range of expenses including maternity expenses, infertility treatment expenses, cost of consumable items, and so on. What's more, is that the plan also allows multiple options so that you can get discounts on your premium. On the flip side, however, the plan doesn't provide the monthly premium payment option. And, the insurer has received a higher number of claim settlement as well as policy purchase complaints - as per our research. 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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