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HDFC Ergo Optima Secure+ + Key Add-ons vs New India Floater Mediclaim
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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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Up to 1% of SI per day
This plan is significantly cheaper and a budget-friendly alternative to other products in the market. However, while it covers hospitalization and associated medical costs, and offers features like mid-term addition of a newly-married spouse, it doesn't offer comprehensive coverage. It lacks the feature to replenish the sum insured once it's exhausted within a policy year. The plan also includes sub-limits on crucial benefits like modern treatment coverage and common treatments such as cataract treatment. Furthermore, it does not offer the flexibility to pay premiums on a monthly basis. Speaking of purchase and claims experience, you are likely to have a pleasant experience with the insurer as they received fewer claim settlement and policy purchase complaints.
Mid-term inclusion of newly-married spouse allowed
Artificial life maintenance treatment covered
Congenital defects (internal/external) covered
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ILM Rating
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Claims Experience
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