HDFC Ergo Optima Restore vs Max Bupa ReAssure
I'm confused between HDFC Ergo Optima Restore vs Max Bupa Reassure policy. The policy is for my mom (49 years) and myself (25 years). The premium of MaxBupa Reassure is cheaper as compared to the HDFC Ergo Restore policy. But I'm concerned with the brand value of Max Bupa vs HDFC Ergo. How good is it during the claim settlement process? Please help.
In our view, when it comes to comparing between Max Bupa vs HDFC Ergo, there is no problem and nothing to worry about any insurance company -
- if you are clear about what you are buying (adequate coverage, the benefits, the financial limits, the various exclusions, quality of their hospital network etc.), and
- if you are making full, transparent declarations to the insurance company through their proposal form or telephonic interviews.
We don't have details around the claim settlement process of Max Bupa or other companies right now. In our experience, we have found their services, experience to be comparable, did not find any striking difference.
PS: Would also recommend that you go for individual plans as far as possible, because floater may not be relevant in a few years, since you are already 25.
Hope this helps,
Thanks for your response. What are the disadvantages of buying a multi individual policy for my mom and myself? That is, I'll be adding my mom in the same policy as mine. I'm referring to HDFC Optima Restore policy here.
They're giving me a 10% discount on the premium if I add more than one family member to the same policy as mine. Both of the insured members will have a separate coverage of 10 lakh each. Please advise.
Writing this to helps others. My Experience with Max Bupa is very horrible. Unfortunately, I was admitted to non-network Hospital during Covid time and I have do reimbursement for 3L Claim. They showed me one hell. Finally I need to file a complaint with IRDA to get reimbursement. Even after IRDA passing order to pay me within 30 days; I need to wait till 29 days and remind it on 30th day to get my claim. They rejected my claim quoting a local Government Order that caps a hospital bills for covid bed. In reality, none follows it as it was difficult to get bed itself. Max Bupa tried every bit to reject my legitimate claim and I cannot even talk to claims team and they only send one liner emails saying it was paid as per GO ( which is 10% of my claim amount). So I say BIG No Max Bupa / Niva Bupa .. Its premiums will be cheap so does its service will be cheap too.
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What are the disadvantages of buying a multi individual policy for my mom and myself? That is, I'll be adding my mom in the same policy as mine. I'm referring to HDFC Optima Restore policy here. They're giving me a 10% discount on the premium if I add more than one family member to the same policy as mine. Both of the insured members will have a separate coverage of 10 lakh each. Please advise.
What you are buying are two individual covers under one policy. As far as the covers are separate it is fine. We were talking about including your mother in a floater (where the health insurance cover is shared, not separate). We would recommend you gradually increase your cover to 15-20 Lakhs for your mother in the next few years. That way she would be better protected (against healthcare inflation) for the next 30 years.
Thanks for your response, again.
The discount which the insurance companies give while subscribing is limited only while buying the policy or will it continue for the rest of the renewals as well?
For example, HDFC Optima restore gives a 10% discount if more than one family member is added under the same policy. Will this 10% discount continue for the rest of the renewals as well? The customer care executive tells me it does but I want to reconfirm it.
Worst one I paid since many years .We admitted near by hospital to avoid distance.we claimed for 15000 rs as per bill.They harass us like anything 5- times again asking some documents ,then we leave like that and went to other insurance .we know early .....actually we both are doctors what about common people. never go what ever the reviews.they did not allow to review in their website
above one is about hdfc
Will this 10% discount continue for the rest of the renewals as well?
It will continue forever.
There is no material difference between policy features of HDFC Optima Restore vs Reassure. We work actively across both insurers. However, if I have to choose one over above, I would go via HDFC Ergo, being a bigger brand, deeper pockets. We haven't faced any issue so far on HDFC's claim settlement.
Niva Bupa reassure plan is highly good and it has an option to include SAFEGUARD feature which will even cover the Disallowance items also like (NEBULIZER, BRACES, PPE (personal protection equipment's like masks and others)...
Pre-existing waiting period do apply but there is an option to choose the DISEASE MANAGEMENT rider so as to avail day 1 cover without waiting period for pre-existing conditions even though the premium will be higher, but still fine as the coverage will not have any limitations.
Specific waiting period for 17 conditions will apply for 2 years which is common across the industry during the inception of the policy. (Ex: cataract, hernia, fistula, hydrocele etc...)
Ideal plan to have a robust cover and with wide range of network hospitals PAN india, good to avail it.
With regard to brand, MAX BUPA is one of the widely known brands across the GLOBE with the best of practices followed by BUPA (british united provident association) with a consistent track record.
Worst one I paid since many years .We admitted near by hospital to avoid distance.we claimed for 15000 rs as per bill.They harass us like anything 5- times again asking some documents ,then we leave like that and went to other insurance .we know early .....actually we both are doctors what about common people. never go what ever the reviews.they did not allow to review in their websitehdfc cheater
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