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HDFC Ergo Optima Restore vs Star Health Family Health Optima
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HDFC Ergo Optima Restore vs Star Health Family Health Optima
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HDFC Ergo Optima Restore with similar Health Insurances
Star Health Family Health Optima with similar Health Insurances
Compare HDFC Ergo Optima Restore and Star Health Family Health Optima
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.
Star Health Family Health Optima
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher 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.
Star Health Family Health Optima
Star Health and Allied 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 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.
Star Health Family Health Optima
As part of the Star Health Family Health Optima 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 and domiciliary treatments (except for 15 illnesses) up to the sum insured. Harvesting expenses related to organ donations are covered up to 10% of the sum insured, with a maximum limit of Rs 1 lakh. Modern treatment coverage and consumables coverage are available up to the sum insured, if you opt for add-ons. The Star Health Family Health Optima Plan comes with a room rent limit; you can choose any room except suites and above if you go for an add-on. But, the good news is that it doesn’t levy any ICU rent limits. Certain treatments/surgeries come with a financial sub-limit, like cataract treatments, which are covered up to Rs 50,000 per eye per policy year with a maximum limit of Rs 75,000; joint replacement surgeries are covered up to the sum insured. The Star Health Family Health Optima Plan also imposes a copay of 20% if your age at the time of entry is 60 years or above. Moreover, there are no deductible options available under this plan. The plan has a waiting period of 48 months for pre-existing diseases and a waiting period of 24 months for specific diseases.