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HDFC Ergo Optima Secure vs Star Health Family Health Optima
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HDFC Ergo Optima Secure with similar Health Insurances
Star Health Family Health Optima with similar Health Insurances
Compare HDFC Ergo Optima Secure and Star Health Family Health Optima
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.
Star Health Family Health Optima
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher 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.
Star Health Family Health Optima
Star Health and Allied 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 the 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.
Star Health Family Health Optima
As part of the Star Health Family Health Optima 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 and domiciliary treatments (except for 15 illnesses) up to the sum insured. Harvesting expenses related to organ donations are covered up to 10% of the sum insured, with a maximum limit of Rs 1 lakh. Modern treatment coverage and consumables coverage are available up to the sum insured, if you opt for add-ons. The Star Health Family Health Optima Plan comes with a room rent limit; you can choose any room except suites and above if you go for an add-on. But, the good news is that it doesn’t levy any ICU rent limits. Certain treatments/surgeries come with a financial sub-limit, like cataract treatments, which are covered up to Rs 50,000 per eye per policy year with a maximum limit of Rs 75,000; joint replacement surgeries are covered up to the sum insured. The Star Health Family Health Optima Plan also imposes a copay of 20% if your age at the time of entry is 60 years or above. Moreover, there are no deductible options available under this plan. The plan has a waiting period of 48 months for pre-existing diseases and a waiting period of 24 months for specific diseases.