Suggestion required to select between ICICI Health Advantedge and HDFC Optima Secure in Pune
Suggest a mediclaim policy to select between ICICI Health Advantedge and HDFC Optima Secure. I do not see any major negatives in HDFC Optima Secure except the additional premium cost.
However ICICI Health Advantedge seems to be cost effective with a Rs,50L cover for a 35 year old costing around 30 K. Plus they seem to have a lot of diagnostic centers in Pune.
They also seem to have many additional optional covers which seem good.
The only concern about ICICI Health Advantedge is they seem to be offering maternity cover. However, it is not mentioned clearly whether it will be offered for a 1 year policy or if one has to go for a 3 year policy. Does ICICI Health Advantedge really offer maternity cover? Is it trustable?
Please note that I already have HDFC Optima Secure but finding ICICI Health Advantedge cost effective. Kindly suggest if I should switch from HDFC Optima Secure to ICICI Health Advantedge. Also please suggest if one can port to ICICI Health Advantedge?