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HDFC Ergo Optima Secure+ + Key Add-ons vs Star Health Assure
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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
Any room except Suite or above
This health insurance plan is a good option to consider with several treatment and other expenses covered. The plan covers maternity and infertility treatment expenses as well as the cost of consumable items in addition to covering hospitalization and related expenses. On the flip side, however, it doesn't allow you to pay your premiums on a monthly basis. Additionally, our research suggests that the insurer has received a higher number of claim settlement as well as policy purchase complaints. This means that they have a poor track record in terms of both purchase and claims service experience.
Non-medical costs covered - gloves, oxygen masks, etc.
Mid-term inclusion of newly-married spouse and newborn baby allowed
Pregnancy-related expenses covered
ILM Ratings
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ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
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