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HDFC Ergo Optima Secure+ + Key Add-ons vs Oriental Happy Family Floater (Gold)
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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 cost-effective compared to other products in the market, making it a budget-friendly option. While it does cover hospitalization and related expenses, it's important to note that it doesn't provide comprehensive coverage. There are also sub-limits on various modern treatments. And, the plan also lacks the flexibility of monthly premium payments.
Fairly priced in comparison to other products in the market
Provides a lump sum amount if you donate an organ for transplantation
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