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Aditya Birla Activ Health Platinum (Premier) vs HDFC Ergo Optima Secure
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Aditya Birla Activ Health Platinum (Premier) with similar Health Insurances
HDFC Ergo Optima Secure with similar Health Insurances
Compare Aditya Birla Activ Health Platinum (Premier) and HDFC Ergo Optima Secure
Claims Track Record:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They have received a higher number of claim complaints compared to other insurers.
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.
Service Experience:
Aditya Birla Activ Health Platinum (Premier)
Aditya Birla Health Insurance Company Limited facilitates customer service via their toll-free number and Twitter channel. As per our research their Twitter response rate is quick and their toll-free response rate is average. You might get quicker help through Twitter if you have any questions or concerns.
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.
Product Benefits:
Aditya Birla Activ Health Platinum (Premier)
The Aditya Birla Activ Health Platinum – Premier Plan provides coverage for hospitalisation expenses as well as pre and post hospitalisation expenses. 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. The insurer also covers 586 day care treatments, domiciliary treatments (except 9 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. The plan also covers the cost of consumables up to the sum insured – if opted for as an add-on. Aditya Birla Activ Health Platinum – Premier Plan lets you choose any room type without imposing any limit. And, there is no ICU rent limit and copayment or deductible limit. Moreover, the insurer doesn’t place a cap on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Please note that Aditya Birla Activ Health Platinum – Premier Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases and 48 months for genetic disorders.
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.