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HDFC Ergo Optima Secure+ + Key Add-ons vs Star Health Comprehensive
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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 plan covers several expenses in addition to hospitalization and related expenses, such as maternity expenses, non-medical expenses, outpatient department costs, bariatric surgery costs, etc., and it is also reasonably priced. Additionally, it doesn’t offer a monthly premium payment option - so you won’t be able to pay your premiums on a monthly basis. Further, according to our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that they have a poor track record in terms of both purchase and claims service.
Option to reduce PED waiting period to 1 year
Mid-term inclusion of newly-married spouse and newborn baby allowed
Non-medical costs covered - gloves, oxygen masks, etc.
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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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