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Star Health Assure vs HDFC Ergo Optima Secure
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Star Health Assure with similar Health Insurances
HDFC Ergo Optima Secure with similar Health Insurances
Compare Star Health Assure and HDFC Ergo Optima Secure
Claims Track Record:
Star Health Assure
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.
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:
Star Health Assure
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.
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:
Star Health Assure
As part of the Star Health Assure 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 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except for 14 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to the sum insured as well. The Star Health Assure Plan comes with a room rent limit; you can choose any room except suites and above. But the good news is that it doesn’t levy any ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc. don’t come with any sub-limits and are covered up to the sum insured. The Star Health Assure Plan also imposes a copay of 10% if your age at the time of entry is 61 years or above and comes with optional deductibles of Rs 50,000/Rs 1,00,000. The plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.
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.