Compare Health Insurance
ICICI Lombard Complete Health Insurance (Health Elite) vs HDFC Ergo Optima Secure
View detail comparison
Comparisons is old school. Get
recommendations in a reportWhom do you want to cover?
What's your Pincode?
ICICI Lombard Complete Health Insurance (Health Elite) with similar Health Insurances
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Aditya Birla Activ Health Platinum (Enhanced) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_2_1ac9b438f2.png)
Aditya Birla Activ Health Platinum (Enhanced)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Aditya Birla Activ Health Platinum (Premier) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_2_1ac9b438f2.png)
Aditya Birla Activ Health Platinum (Premier)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Manipal Cigna ProHealth Prime (Protect) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_11_69468e566c.png)
Manipal Cigna ProHealth Prime (Protect)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Bajaj Allianz Health Guard (Platinum) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_15_d2c094a372.png)
Bajaj Allianz Health Guard (Platinum)
![ICICI Lombard Complete Health Insurance (Health Elite) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_c3c4fa836a.png)
ICICI Lombard Complete Health Insurance (Health Elite)
![Manipal Cigna ProHealth Prime (Advantage) logo](https://cms-prod.s3.ap-south-1.amazonaws.com/logo_template_grey_11_69468e566c.png)
Manipal Cigna ProHealth Prime (Advantage)
HDFC Ergo Optima Secure with similar Health Insurances
Compare ICICI Lombard Complete Health Insurance (Health Elite) and HDFC Ergo Optima Secure
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.
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.
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.