Get instant answers to your insurance queries
Term Life Insurance
Health Insurance
Parent's Health
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Compare Health Insurance
HDFC Ergo Optima Secure+ + Key Add-ons vs United India Family Medicare
ILM ⭐️ Rating - See how we score
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
Single Standard AC Room or 1% of Sum Insured
Besides covering hospitalization and its associated costs, this plan extends coverage to expenses related to pregnancy, mental illness, etc. However, it lacks important benefits such as domiciliary treatment coverage. Moreover, it imposes various financial sub-limits on core coverage benefits like pre-hospitalization and post-hospitalization costs, as well as common treatments/surgeries like cataract, etc. potentially leading to substantial out-of-pocket expenses. Further, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record in terms of both purchase and claims service experience.
Bonus up to 200%
Pregnancy-related expenses covered
Mental illness treatment expenses covered
ILM Ratings
View detail comparison
ILM Rating
Insurance Ratings based on stuff that matters to you!
Claims Experience
Customer Service Experience
Product Benefits
Industry Experts with up to 20 years of experience help you from purchase to claims.
Discover the best tips for insurance every week!
Easy ways to make sense of insurance
Key updates that actually affect you
Real stories to help you avoid mistakes
Term Insurance Products
Health Insurance Products
Savings Insurance Products
Insurance Companies
Term Life Insurance
Health Insurance