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HDFC Ergo Optima Secure with ABCD Chronic Care Rider vs United India Family Medicare
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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 Standard AC Room or 1% of Sum Insured
Besides covering hospitalization and its associated costs, this plan extends coverage to expenses related to pregnancy, mental illness, etc. However, it lacks important benefits such as domiciliary treatment coverage. Moreover, it imposes various financial sub-limits on core coverage benefits like pre-hospitalization and post-hospitalization costs, as well as common treatments/surgeries like cataract, etc. potentially leading to substantial out-of-pocket expenses. Further, 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 in terms of both purchase and claims service experience.
Bonus up to 200%
Pregnancy-related expenses covered
Mental illness treatment expenses covered
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ILM Rating
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