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HDFC Ergo Optima Secure vs Reliance General Health Infinity
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HDFC Ergo Optima Secure with similar Health Insurances
Reliance General Health Infinity with similar Health Insurances
Compare HDFC Ergo Optima Secure and Reliance General Health Infinity
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.
Reliance General Health Infinity
Reliance General Insurance Company Limited has a claim settlement ratio of 85.52% and claims incurred ratio of 87.12%. It has also settled 89.89% of claims in less than 30 days. 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.
Reliance General Health Infinity
Reliance General Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick, and their toll-free response rate is average. We recommend contacting the company's Twitter handle for assistance in times of need.
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.
Reliance General Health Infinity
As part of the Reliance General Health Infinity Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 90 days before hospitalisation, and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, 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 – if you opt for an add-on. The Reliance General Health Infinity Plan gives you the freedom to choose any room as per your preference without imposing any limits. Further, it has no ICU rent limit and sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with an optional copay of 10% and optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Infinity Plan has a waiting period of 12 months for pre-existing diseases as well as specific diseases - if you opt for an add-on.