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HDFC Ergo Optima Secure+ + Key Add-ons vs ManipalCigna Sarvah (Param) + 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
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Zero waiting period
This plan comes up with several attractive features and enticing discounts. One of its standout features is the zero-waiting period feature, which means you don't have to serve any waiting periods, thereby facilitating you with immediate coverage from day 1. It provides coverage for various expenses, including consumables, durable equipment, mental health costs, etc., besides hospitalization-related costs. On the flip side, the plan is relatively more costly than the other products in the market. Further, you need to pay an additional premium to waive prevailing room rent limitations. Lastly, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints, suggesting a poor track record in both customer service and claims handling.
Immediate coverage without the need to serve any waiting period
Multiple options to get premium discounts
Non-medical costs covered - gloves, oxygen masks, etc.
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