Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | Care - Insurance Senior Health Advantage | HDFC Ergo - Optima Secure |
|---|---|---|
| Room Rent Limit | Capped | No limit |
| ICU Limit | NA | No limit |
| Co-Pay | NA | No |
| Disease Sub-limit | Yes | No |
| Initial Waiting (Days) | NA | 30 |
| Specific Disease Waiting (Years) | NA | 2 |
| Pre-existing Disease Waiting (Years) | 1 | 3 |
| Pre-Hospitalisation | NA | 60 days (Covered up to: sum insured) |
| Post-Hospitalisation | NA | 180 days (Covered up to: sum insured) |
| Daycare Procedures | Yes (Covered up to: sum insured) | Yes |
| Domiciliary | No | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | Related and unrelated illness |
| Refill Trigger | NA | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year (Add-on) |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | No | Yes |
| Bonus Rate | NA | 50% |
| Bonus Max Limit | NA | 100% |
| Reduction in Bonus on Claim | NA | No |
| % Settled < 30 Days | Quick | 96.63% |
| % Complaints on Claims | 0.47% | 0.15% |
| Incurred Claim Ratio | 66.28% | 87.04% |
| Claim Settlement Ratio (No.) | 95.19% | 95.19% |
| Claim Settlement Ratio (Value) | 87.97% | 77.69% |
| Claim Rejection Ratio | 3.10% | 2.47% |
| Cashless Hospitals | 22,100+ | 15,000+ |
| Affordability | Expensive | Expensive |
| Plan Type | Individual | Individual |
| Extra Features | NA | Double the sum insured from your first day of coverage |