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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Niva Bupa Health Companion + 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
No room rent limit
If you are looking for a plan that provides comprehensive coverage, this is a good option to consider. In addition to covering hospitalization and related expenses, it covers several other expenses including the cost of consumable items like gloves, oxygen masks, etc. Health Check-Up expenses are also covered from Day 1. Further, the plan provides you with an option to automatically increase your sum insured in accordance with the previous year’s inflation. On the flip side, however, this plan does not offer the monthly premium payment option. And, our research suggests 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.
No restrictions on hospital room you can choose
Non-medical costs covered - gloves, oxygen masks, etc.
Option to auto-increase cover based on last year’s inflation
ILM Ratings
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ILM Rating
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Claims Experience
Customer Service Experience
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