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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Royal Sundaram Lifeline (Supreme) + 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
This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. It combines affordability with an array of features and benefits, making it an ideal choice. Not only is it much cheaper than similar products in the market, but it also offers coverage for numerous expenses such as infertility treatment, bariatric surgery, expenses related to mobility devices such as wheelchairs, crutches, etc. along with hospitalization-related expenses. The plan also includes ambulance coverage for app-based cab services like Ola and Uber. On the flip side, however, you cannot choose to pay the premiums on a monthly basis. Further, our research suggests that the insurer has relatively received a higher number of claim settlement and policy purchase complaints. This indicates that the insurer has a poor track record in terms of both purchase and claims service experience.
No restrictions on hospital room you can choose
Bariatric surgery for weight loss covered
Infertility treatment expenses covered
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ILM Rating
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