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HDFC Ergo Optima Secure+ + Key Add-ons vs Niva Bupa ReAssure 2.0 (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
ILM Ratings
No room rent limit
This plan stands out with its unique features and benefits, offering a customized solution for your healthcare needs. One notable feature of the plan is that your age gets locked when you buy it and you pay the premium as per entry age, until your first claim. Additionally, any unused base sum insured can be carried forward to the next policy year, up to a maximum of 5 times the base sum insured. The coverage 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 payment. Additionally, as per our research, 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
Age-linked premium stays constant, until first claim
Restoration benefit activates after the first claim, and stays triggered forever
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