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HDFC Ergo Optima Secure+ + Key Add-ons vs New India Yuva Bharat (Platinum)
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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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Single AC Room
The New India Yuva Bharat (Platinum) Plan is fairly priced compared to other products in the market. It covers a range of expenses, including those related to infertility, pregnancy, and child care, and is one of the few policies to include coverage for congenital diseases (both internal and external), hazardous sports, puberty and menopause-related disorders. It also gives you the flexibility to pay premium on a monthly basis. However, the policy doesn't cover treatments taken at home and covers only a few listed day care treatments. 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.
Congenital diseases (both internal & external) and genetic disorder expenses covered
Inpatient dental treatment expenses covered
Mental illness treatment expenses covered
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