BeshakĀ
Ā Rating - Insurance Ratings based on stuff that matters to
you!
Compare Health Insurance
HDFC Ergo Optima Secure vs ICICI Lombard Health AdvantEdge
View detail comparison
Consult & Buy from
Indiaās Top 5% Experts!
Insuring your future, start here šš»
Whom do you want to insure?
Whats your age?
Select age
What's your Pincode?
HDFC Ergo Optima Secure with similar Health Insurances
ICICI Lombard Health AdvantEdge with similar Health Insurances
Compare HDFC Ergo Optima Secure and ICICI Lombard Health AdvantEdge
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.
ICICI Lombard Health AdvantEdge
ICICI Lombard General Insurance Company Limited has a claim settlement ratio of 61.21% and claims incurred ratio of 78.73%. It has settled 99.74% 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 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.
ICICI Lombard Health AdvantEdge
ICICI Lombard 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 average, making it a better choice.
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.
ICICI Lombard Health AdvantEdge
As part of the ICICI Lombard Health AdvantEdge 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 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except 8 illnesses), 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 ā if you opt for an add-on. The ICICI Lombard Health AdvantEdge Plan gives you the freedom to choose any room as per your preference without imposing any limits. Further, it has no ICU rent limit, copayment limit, deductible limit, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. The ICICI Lombard Health AdvantEdge Plan has a waiting period of 24 months for pre-existing diseases and a waiting period of 24 months for specific diseases.