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HDFC Ergo Optima Secure vs ICICI Lombard Elevate
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HDFC Ergo Optima Secure with similar Health Insurances
ICICI Lombard Elevate with similar Health Insurances
Compare HDFC Ergo Optima Secure and ICICI Lombard Elevate
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.
ICICI Lombard Elevate
ICICI Lombard General Insurance boasts an impressive claim settlement ratio of 80.97% and a claims incurred ratio of 78.85%. They resolved 99.78% of claims within just 30 days and received fewer complaints than many 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.
ICICI Lombard Elevate
Customer support at ICICI Lombard is accessible via a toll-free helpline and its Twitter account. While the toll-free response time is average, it’s important to note that Twitter responses can be slower.
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.
ICICI Lombard Elevate
The ICICI Lombard Elevate Plan provides comprehensive coverage that encompasses hospitalisation costs, as well as pre and post-hospitalization expenses. Pre-hospitalization expenses are covered for up to 90 days before admission, while post-hospitalization expenses are covered for up to 180 days after discharge, both within the sum insured. Additionally, the policy covers all daycare treatments, domiciliary treatments (except for 15 illnesses), expenses of donors for organ donation procedures, and modern treatments all up to the sum insured. Please note that non-medical expenses are covered up to the sum assured as an add-on. Moreover, the plan offers the flexibility to choose any room without imposing room rent limits, though it is available as an add-on. There are no limits on ICU rent or deductibles. Also, this plan offers an optional co-payment of 10% to 50%. The policy covers common medical treatments and surgeries, such as cataract and joint replacement surgeries, up to the sum insured. However, it’s important to note that pre-existing conditions and specific conditions have a 12-month waiting period (as an add-on). As an add-on, this plan allows a 90-day waiting period for conditions like BP, Diabetes, and Heart Disease (unless these diseases are classified as pre-existing conditions).