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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Manipal Cigna ProHealth (Protect)
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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 is quite easy on the pocket. However, while it covers hospitalization and related expenses, OPD expenses such as medicines, tests, consultations, etc., it does not cover maternity expenses, infertility treatment expenses, and so on. It also does not provide an option to make monthly premium payments. And, our research suggests that the insurer has received a higher number of claim settlement and policy purchase complaints. This means that the insurer has a poor track record in terms of both purchase and claims service.
Fairly priced in comparison to other products in the market
Covers outpatient department costs, such as medications, tests, consultations, etc.
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