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HDFC Ergo Optima Restore vs Reliance General Health Infinity
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HDFC Ergo Optima Restore with similar Health Insurances
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Compare HDFC Ergo Optima Restore and Reliance General Health Infinity
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.
Reliance General Health Infinity
Reliance General Insurance Company Limited has a claim settlement ratio of 85.52% and claims incurred ratio of 87.12%. It has also settled 89.89% of claims in less than 30 days. They've received fewer complaints related to claims 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.
Reliance General Health Infinity
Reliance General Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick, and their toll-free response rate is average. We recommend contacting the company's Twitter handle for assistance in times of need.
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.
Reliance General Health Infinity
As part of the Reliance General Health Infinity Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 90 days before hospitalisation, and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Expenses associated with the consumables are covered up to the sum insured – if you opt for an add-on. The Reliance General Health Infinity Plan gives you the freedom to choose any room as per your preference without imposing any limits. Further, it has no ICU rent limit and sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with an optional copay of 10% and optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Infinity Plan has a waiting period of 12 months for pre-existing diseases as well as specific diseases - if you opt for an add-on.