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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Manipal Cigna ProHealth Prime (Active) + Key Add-ons
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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
Single Private AC Room
This plan covers hospitalization and related expenses as well as several other expenses including the cost of consumable items like gloves, oxygen masks, etc. One distinct feature of the plan is that it offers coverage for certain pre-existing conditions, like hypertension, diabetes, etc. from the 91st day. Additionally, the plan provides global coverage for emergency accidental hospitalization expenses and is quite easy on the pocket. On the flip side, it does not offer the option for monthly premium payments. Further, our research indicates 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 with respect to both purchase and claims service.
Cheaper than other products in the market
Asthma, Diabetes, Hypertension, Dyslipidemia, Obesity related conditions are covered from 91st day
Discount available on pharmacy, diagnostics & health supplements if purchased from network providers
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