Policy compare
Compare two plans side-by-side
Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Optima Secure Global Plus | ICICI Lombard - Complete Health Insurance (iHealth) |
|---|---|---|
| Co-Pay | NA | No |
| Pre-existing Disease Waiting (Years) | 3 | NA |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | NA | Yes |
| Organ Donor Cover | NA | Yes |
| Modern Treatments | NA | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | NA |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Unlimited times in a policy year (Add-on) | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | NA | No |
| Bonus Rate | NA | 10% |
| % Settled < 30 Days | 96.63% | 99.94% |
| % Complaints on Claims | 0.15% | 0.14% |
| Incurred Claim Ratio | 87.04% | 85.53% |
| Claim Settlement Ratio (No.) | 95.19% | 82.79% |
| Claim Settlement Ratio (Value) | 77.69% | 63.92% |
| Claim Rejection Ratio | 2.47% | 14.11% |
| Cashless Hospitals | 15,000+ | 10,700+ |
| Plan Type | Individual | Individual |