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 with ABCD Chronic Care Rider vs Manipal Cigna ProHealth Prime (Protect)
ILM ⭐️ Rating - See how we score
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
No room rent limit
This plan hits the sweet spot with its affordable pricing and some unique features/benefits. It is a perfect choice if you are looking for a plan that offers comprehensive protection and is easy on the pocket. Besides hospitalization and related expenses, it covers a range of expenses including maternity expenses, infertility treatment expenses, cost of consumable items, and so on. What's more, is that the plan also allows multiple options so that you can get discounts on your premium. On the flip side, however, the plan doesn't provide the monthly premium payment option. And, the insurer has received a higher number of claim settlement as well as policy purchase complaints - as per our research. This implies that the insurer has a poor track record in terms of both purchase and claims service experience.
Guaranteed Cumulative Bonus up to 200%
Super Bonus up to 800%
Pregnancy-related 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