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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Niva Bupa Senior First (Platinum)
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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 Room
This plan is exclusively tailored for senior citizens. In addition to covering hospitalization and related expenses, it covers several other expenses including the cost of consumable items like gloves, oxygen masks, etc. It also offers coverage for health check-ups from the very first day. Moreover, the plan provides the option to automatically increase the sum insured based on the previous year's inflation. On the flip side, however, this plan does not offer the monthly premium payment option. Additionally, based on our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record with respect to both purchase and claims service.
No sub-limits for common treatments like cataract etc.
Covers health check-up expenses from day 1
Option to automatically increase the cover amount based on previous year's inflation
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