Which should be more important criteria to select my health insurance? Room rent or robotic surgery?
I am 25 year old single boy. I am not able to decide between two health plans i.e Niva Bupa Reassure and Hdfc Ergo optima secure. Both plans offer good benefits but there is a striking point in each one of them.
Pros : 1. No room rent capping 2. Cost less 3.Unlimited Reinstatement
Cons: A limit of maximum INR 1 Lac will apply to all robotic surgeries,
except the following:
i. Robotic total radical prostatectomy
ii. Robotic cardiac surgeries
iii. Robotic partial nephrectomy
iv. Robotic surgeries for malignancies
Optima Secure :
Pros : No sublimit on modern treatment and robotic surgeries
Good ICR and CSR ratio. Good Claim service.
NCB doesn't reduce even after claiming so policy cover is doubled in 2 years.
Cons : Room rent limited to single private Ac room.
It costs 1.5x the price of Niva Bupa reassure plan.
What should i choose? Are the surgeries mentioned in Reassure plan's policy enough to not worry about it?