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HDFC Ergo Optima Secure vs Niva Bupa ReAssure 2.0 (Platinum+)
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HDFC Ergo Optima Secure with similar Health Insurances
Niva Bupa ReAssure 2.0 (Platinum+) with similar Health Insurances
Compare HDFC Ergo Optima Secure and Niva Bupa ReAssure 2.0 (Platinum+)
Claims Track Record:
HDFC Ergo Optima Secure
HDFC ERGO General Insurance Company Limited has a claim settlement ratio of 83.31% and a claims incurred ratio of 83.53%. It has resolved 95.75% of claims within a 30-day timeframe. The company has received fewer complaints related to claims as compared to other insurers.
Niva Bupa ReAssure 2.0 (Platinum+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. It has settled 99.95% of claims in less than 30 days. The company has received higher complaints related to claims as compared to other insurers.
Service Experience:
HDFC Ergo Optima Secure
HDFC ERGO General Insurance Company Limited provides customer support through both a toll-free helpline and their Twitter handle. It's worth noting that their response time on both channels is average.
Niva Bupa ReAssure 2.0 (Platinum+)
Niva Bupa Health Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is average, and the toll-free response rate is average as well.
Product Benefits:
HDFC Ergo Optima Secure
The HDFC Ergo Optima Secure Plan offers extensive coverage that includes hospitalisation costs, pre-hospitalisation, and post-hospitalisation expenses. It's important to note that pre-hospitalisation expenses are covered for up to 60 days before hospital admission and post-hospitalisation expenses up to 180 days after discharge, all up to the sum insured. Moreover, the policy covers all day care treatments, domiciliary treatments, inpatient expenses related to organ donation procedures, modern treatments, and consumables up to the sum insured. The HDFC Ergo Optima Secure Plan offers you the flexibility to choose any room without imposing room rent limits. Furthermore, there is no ICU rent limit or copayments. However, an optional deductible is applicable under the policy and you have the flexibility to choose from the following options: Rs 25,000, Rs 50,000, or Rs 1,00,000. The policy does not impose restrictions on common medical treatments or surgeries, like cataract treatments, joint replacement surgeries, etc. ensuring they are covered up to the sum insured. It's essential to note that pre-existing diseases have a 36-month waiting period while specific diseases have a 24-month waiting period under this plan.
Niva Bupa ReAssure 2.0 (Platinum+)
As part of the Niva Bupa ReAssure 2.0 (Platinum+) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, inpatient organ donor expenses, and modern treatments (except robotic surgeries) up to the sum insured. It also covers consumables up to the sum insured, if you opt for an add-on. The Niva Bupa ReAssure 2.0 (Platinum+) Plan comes with no room rent limits and ICU rent limits. There are no financial sub-limits on common treatments or surgeries like cataract treatments, joint replacement surgeries, etc., and the plan doesn’t come with any copays either. However, there is an optional deductible of Rs 20,000/Rs 30,000/Rs 50,000/Rs 1,00,000. The Niva Bupa ReAssure 2.0 (Platinum+) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.