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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs ManipalCigna ProHealth (Accumulate)
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No room rent limit
This plan covers medical expenses related to pre-existing diseases (PEDs) such as asthma, hypertension, cholesterol, and diabetes starting from the 31st day of the policy. It is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. The plan allows you to pay your premiums monthly and covers several costs including the cost of consumables, dental treatment, maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. On the flip side, however, it is more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Covers asthma, BP, cholesterol, diabetes from day 31
No restrictions on hospital room you can choose
Doubles the cover amount from day 1
ILM Ratings
Any room except Suite
This plan does not offer comprehensive coverage and is significantly more expensive than other plans in the market. Although it covers several expenses in addition to hospitalization and related costs, it excludes maternity, infertility treatment, and other vital expenses. It also does not allow you to pay your premiums on a monthly basis. Additionally, our research indicates that the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchase and claims service.
Covers outpatient department costs, such as medications, tests, consultations, etc.
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