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HDFC Ergo Optima Secure vs Royal Sundaram Multiplier
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HDFC Ergo Optima Secure with similar Health Insurances
Royal Sundaram Multiplier with similar Health Insurances
Compare HDFC Ergo Optima Secure and Royal Sundaram Multiplier
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.
Royal Sundaram Multiplier
Royal Sundaram General Insurance Company Limited has a claim settlement ratio of 64.53% and claims incurred ratio of 92.30%. It has settled 99.87% 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.
Royal Sundaram Multiplier
Royal Sundaram 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 slow as well. You may encounter difficulties when trying to seek help from the team.
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.
Royal Sundaram Multiplier
As part of the Royal Sundaram Multiplier 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, domiciliary treatments, inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to Rs 50,000 if you opt for an add-on. The Royal Sundaram Multiplier Plan comes with no room rent and ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc., don’t come with sub-limits and there’s no imposed deductible. However, the plan levies a copay of 5%, 10%, 15%, or 20% as an option. The Royal Sundaram Multiplier Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.