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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa Health Companion + 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
If you are looking for a plan that provides comprehensive coverage, this is a good option to consider. In addition to covering hospitalization and related expenses, it covers several other expenses including the cost of consumable items like gloves, oxygen masks, etc. Health Check-Up expenses are also covered from Day 1. Further, the plan provides you with an option to automatically increase your sum insured in accordance with the previous year’s inflation. On the flip side, however, this plan does not offer the monthly premium payment option. And, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record with respect to both purchase and claims service.
No restrictions on hospital room you can choose
Non-medical costs covered - gloves, oxygen masks, etc.
Option to auto-increase cover based on last year’s inflation
ILM Ratings
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ILM Rating
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Claims Experience
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