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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Royal Sundaram Multiplier
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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 an ideal option for those seeking affordable and comprehensive health insurance coverage. It offers a range of features and benefits that makes it a favorable choice. In addition to its competitive pricing compared to similar products in the market, it provides coverage for various expenses such as mobility devices like wheelchairs, crutches, etc., coverage for app-based cab services like Ola and Uber, and so on. It also offers coverage for pre-existing diseases like Asthma, BP, Cholesterol, and Diabetes from the 31st day of policy purchase. The plan, however, doesn't offer the monthly premium payment option. 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
Covers PEDs like Asthma, BP, Cholesterol, Diabetes from 31st day
Non-medical costs covered - gloves, oxygen masks, etc.
ILM Ratings
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ILM Rating
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Claims Experience
Customer Service Experience
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