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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs ManipalCigna Sarvah (Param) + 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
Zero waiting period
This plan comes up with several attractive features and enticing discounts. One of its standout features is the zero-waiting period feature, which means you don't have to serve any waiting periods, thereby facilitating you with immediate coverage from day 1. It provides coverage for various expenses, including consumables, durable equipment, mental health costs, etc., besides hospitalization-related costs. On the flip side, the plan is relatively more costly than the other products in the market. Further, you need to pay an additional premium to waive prevailing room rent limitations. Lastly, as per our research, the insurer has received a higher number of claim settlement and policy purchase complaints, suggesting a poor track record in both customer service and claims handling.
Immediate coverage without the need to serve any waiting period
Multiple options to get premium discounts
Non-medical costs covered - gloves, oxygen masks, etc.
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