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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa ReAssure 2.0 (Bronze+)
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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 is fairly priced in comparison to other plans in the market and offers several unique features and benefits, making it ideal for those seeking tailored health insurance coverage. One of its notable features is that any unused base sum insured can be carried forward to the next policy year, up to a maximum of 3X the base sum insured. The coverage under the plan extends beyond hospitalization expenses and includes non-medical items like gloves, oxygen masks, etc. On the flip side, however, the plan does not offer the option for monthly premium payments. Further, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.
No restrictions on the type of hospital room you choose
Restoration benefit activates after the first claim, and stays triggered forever
Unused sum insured carries on to the next year, up to 3 times
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