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HDFC Ergo Optima Secure vs Niva Bupa Aspire (Titanium+)
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HDFC Ergo Optima Secure with similar Health Insurances
Niva Bupa Aspire (Titanium+) with similar Health Insurances
Compare HDFC Ergo Optima Secure and Niva Bupa Aspire (Titanium+)
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.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company Limited has a claim settlement ratio of 85.18% and claims incurred ratio of 65.44%. They have settled 99.95% of claims in less than 30 days. Further, they have received a higher number of claim complaints 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.
Niva Bupa Aspire (Titanium+)
Niva Bupa Health Insurance Company offers customer service through their toll-free number and via Twitter. Their Twitter response rate is average and so is the response rate over their toll-free number. So, if you have any questions or concerns, or require assistance, you can expect the same amount of time 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.
Niva Bupa Aspire (Titanium+)
The Niva Bupa Aspire (Titanium+) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Costs associated with the inpatient expenses of the organ donor are covered up to the sum insured as well. Under Organ Donor Cover, there is a special condition that if you donate any of your organs, the expenses incurred for harvesting the organ from you will also be covered. As for non-medical expenses, they are covered without any limits if included as an add on.
Under Niva Bupa Aspire (Titanium+) Plan, there is no room rent limit as well as ICU rent limit. It also does not have any copayment unless you choose the borderless add-on, which offers several co-payment options. Among these options, you have the flexibility to select a 0% co-payment by opting for a slightly higher premium. It also provides you with the provision of choosing deductible from options - Rs 20,000 /- Rs 30,000/- Rs 50,000/- Rs 1,00,000. Further, there is no limit (covered up to the sum insured) on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 36 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.