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| Feature | HDFC Ergo - Optima SecureRead review | Acko - Platinum Health PlanRead review |
|---|---|---|
| Room Rent Limit | No | No |
| Co-Pay | No | No |
| Disease Sub-limit | No | No |
| Pre Hospitalisation | 60 days | 60 days |
| Post Hospitalisation | 180 days | 120 days |
| Refill of Base Cover | Once (related and unrelated), Unlimited Add-On | Unlimited (only unrelated) |
| Claim in which refill of cover can be applied | Subsequent claims | NA |
| Time when refill will trigger | Partial exhaustion of Sum Insured | |
| Initial Waiting Period | 30 days | No |
| Specific Illness Waiting Period | 2 years | No |
| Pre-existing disease Waiting Period | 3 years (reducible as add-on) | No |
| Day Care | Yes | Yes |
| Domiciliary | Yes | Yes |
| Modern Treatment | Yes | NA |
| Road Ambulance | Yes (upto Base Sum Insured) | Yes |
| Air Ambulance | Yes (upto 5 lakhs) | Yes |
| Consumables | Yes | Yes |
| Maternity | No | No |
| Bonus | Yes (50% upto 100%) (irrespective of claims) (Plus) | Yes (10% upto 100%) (irrespective of claims) |
| All India Treatment | Zonal Premiums but No Co-Pay | NA |
| Extra Features | 3x Base Sum Insured from Day1, but extra base sum is not restored (Secure) | |
| Affordability | Affordable | Cheap |