Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
Health Insurance
Best Health Plans
HDFC Ergo Optima Secure vs Bajaj Allianz Health Guard (Platinum)
Compare Health Insurance
HDFC Ergo Optima Secure vs Bajaj Allianz Health Guard (Platinum)
View detail comparison
Consult & Buy from
India’s Top 5% Experts!
Insuring your future, start here 👉🏻
Whom do you want to insure?
Whats your age?
Select age
What's your Pincode?
HDFC Ergo Optima Secure with similar Health Insurances
Bajaj Allianz Health Guard (Platinum) with similar Health Insurances
Compare HDFC Ergo Optima Secure and Bajaj Allianz Health Guard (Platinum)
Claims Track Record:
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.
Bajaj Allianz Health Guard (Platinum)
When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers.
Service Experience:
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.
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.
Product Benefits:
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.
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz Health Guard (Platinum) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. While pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge up to the sum insured. It covers 399 daycare treatments and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. With the Bajaj Allianz Health Guard (Platinum) plan, you can choose any room type - there's no restriction on room rent. Further, there is no ICU rent limit and deductible as well. However, an optional copayment of 10% or 20% may be applicable. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, specific diseases have a 24-month waiting period and some conditions have a 36-month waiting period.