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HDFC Ergo Optima Restore vs New India Floater Mediclaim
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HDFC Ergo Optima Restore with similar Health Insurances
New India Floater Mediclaim with similar Health Insurances
Compare HDFC Ergo Optima Restore and New India Floater Mediclaim
Claims Track Record:
HDFC Ergo Optima Restore
HDFC ERGO General Insurance Company Limited has a claim settlement ratio standing at 83.31% and a claims incurred ratio of 83.53%. The company has settled 95.75% of claims within 30 days. The company has received fewer complaints related to claims, as compared to other insurers.
New India Floater Mediclaim
New India Assurance Company Limited has a claim settlement ratio of 75.16% and claims incurred ratio of 104.53%. It has settled 74.37% of claims in less than 30 days. The company has received fewer complaints related to claims as compared to other insurers.
Service Experience:
HDFC Ergo Optima Restore
HDFC ERGO General Insurance Company Limited offers customer assistance through their toll-free helpline and their Twitter handle. Please note that their response time is average on both the toll-free and Twitter handle.
New India Floater Mediclaim
New India Assurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
Product Benefits:
HDFC Ergo Optima Restore
The HDFC Ergo Optima Restore Plan provides comprehensive coverage including hospitalisation costs, pre-hospitalisation and post-hospitalisation expenses. Please note that the pre-hospitalisation expenses are covered for a period of up to 60 days before admission and the post-hospitalisation expenses are covered up to 180 days after discharge – up to the sum insured. Furthermore, the policy offers a comprehensive range of benefits, encompassing all day care treatments, domiciliary treatments, harvesting expenses related to organ donation, and modern treatments up to the sum insured. And, consumables are also covered up to the sum insured if you choose to include this as an add-on to your policy. The HDFC Ergo Optima Restore Plan offers flexibility with no room rent limit, allowing you to select any room without constraints. Also, there is no ICU rent limit, copayment, or deductible limit. Notably, the policy does not impose any restrictions on common medical treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. This means they are covered up to the sum insured. Please bear in mind that pre-existing diseases have a 36-month waiting period, while specific diseases have a 24-month waiting period under this plan.
New India Floater Mediclaim
As part of the New India Floater Mediclaim Policy, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge, both up to the sum insured. Additionally, the plan covers 139 day care treatments and inpatient organ donor expenses up to the sum insured. It also covers modern treatments, but has certain financial sub-limits for various procedures. The New India Mediclaim Floater Policy comes with a room rent limit up to 1% of the sum insured for each day and an ICU rent limit up to 2% of the sum insured for each day. There are no copays or deductibles levied by the plan. Certain common treatments or surgeries come with financial sub-limits, like cataract treatments, which are covered up to Rs 1 lakh per eye per policy year as an option; however, joint replacement surgeries are covered up to the sum insured. The New India Floater Mediclaim Policy has a waiting period of 48 months for pre-existing diseases and a waiting period of 3/24/48 months for specific diseases (varies as per the disease).