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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs Star Health Family Health Optima
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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
Any room except Suite or above
This plan is affordable in comparison to other products available in the market. While it does cover various expenses such as those related to assisted reproductive treatments, newborn babies from day 16, it's important to note that it doesn't provide comprehensive coverage. Moreover, it imposes sub-limits on common treatments like cataracts, potentially leading to significant out-of-pocket expenses. On the positive side, it provides multiple options to get premium discounts, enhancing its cost-effectiveness. However, it does not offer the option for monthly premium payments. 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.
Non-medical costs covered - gloves, oxygen masks, etc.
Bonus added every year, even if you claim
Repatriation of mortal remains costs covered
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