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Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider vs HDFC Ergo Optima Restore
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Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider vs HDFC Ergo Optima Restore
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HDFC Ergo Optima Restore with similar Health Insurances
Compare Niva Bupa ReAssure 2.0 (Titanium+) with Disease Management Rider and HDFC Ergo Optima Restore
Claims Track Record:
HDFC Ergo Optima Restore
HDFC ERGO General Insurance Company Limited has a claim settlement ratio standing at 83.31% and a claims incurred ratio of 83.53%. The company has settled 95.75% of claims within 30 days. The company has received fewer complaints related to claims, as compared to other insurers.
Service Experience:
HDFC Ergo Optima Restore
HDFC ERGO General Insurance Company Limited offers customer assistance through their toll-free helpline and their Twitter handle. Please note that their response time is average on both the toll-free and Twitter handle.
Product Benefits:
HDFC Ergo Optima Restore
The HDFC Ergo Optima Restore Plan provides comprehensive coverage including hospitalisation costs, pre-hospitalisation and post-hospitalisation expenses. Please note that the pre-hospitalisation expenses are covered for a period of up to 60 days before admission and the post-hospitalisation expenses are covered up to 180 days after discharge – up to the sum insured. Furthermore, the policy offers a comprehensive range of benefits, encompassing all day care treatments, domiciliary treatments, harvesting expenses related to organ donation, and modern treatments up to the sum insured. And, consumables are also covered up to the sum insured if you choose to include this as an add-on to your policy. The HDFC Ergo Optima Restore Plan offers flexibility with no room rent limit, allowing you to select any room without constraints. Also, there is no ICU rent limit, copayment, or deductible limit. Notably, the policy does not impose any restrictions on common medical treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. This means they are covered up to the sum insured. Please bear in mind that pre-existing diseases have a 36-month waiting period, while specific diseases have a 24-month waiting period under this plan.