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HDFC Ergo Optima Restore vs Royal Sundaram Lifeline (Supreme)
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HDFC Ergo Optima Restore with similar Health Insurances
Royal Sundaram Lifeline (Supreme) with similar Health Insurances
Compare HDFC Ergo Optima Restore and Royal Sundaram Lifeline (Supreme)
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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General Insurance Company Limited has a claim settlement ratio of 64.53% and claims incurred ratio of 92.30%. It has settled 99.87% 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.
Royal Sundaram Lifeline (Supreme)
Royal Sundaram General Insurance 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 slow as well. You may encounter difficulties when trying to seek help from the team.
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.
Royal Sundaram Lifeline (Supreme)
As part of the Royal Sundaram Lifeline (Supreme) Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, and inpatient organ donor expenses up to the sum insured. Modern treatments are covered up to 50% of the sum insured. The Royal Sundaram Lifeline (Supreme) Plan comes with no room rent and ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc., don’t come with sub-limits, and there’s no imposed copay or deductible. The Royal Sundaram Lifeline (Supreme) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.