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| Feature | HDFC Ergo - Optima SecureRead review | Niva Bupa - Reassure 2.0 (Platinum+)Read 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 | 180 days |
| Refill of Base Cover | Once (related and unrelated), Unlimited Add-On | Unlimited (related and unrelated) |
| Claim in which refill of cover can be applied | Subsequent claims | First Paid Claim |
| Time when refill will trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured & No Claim Bonus |
| Initial Waiting Period | 30 days | 30 days |
| Specific Illness Waiting Period | 2 years | 2 years |
| Pre-existing disease Waiting Period | 3 years (reducible as add-on) | 3 years |
| Day Care | Yes | Yes |
| Domiciliary | Yes | Yes |
| Modern Treatment | Yes | Yes (Sub-limit of 1 lakh on most surgeries) |
| Road Ambulance | Yes (upto Base Sum Insured) | Yes (upto Base Sum Insured) |
| Air Ambulance | Yes (upto 5 lakhs) | Yes (upto 2.5 lakhs) |
| Consumables | Yes | Add-On |
| Maternity | No | No |
| Bonus | Yes (50% upto 100%) (irrespective of claims) (Plus) | Yes (100% upto 1000%) NCB |
| All India Treatment | Zonal Premiums but No Co-Pay | Zonal Premiums but No Co-Pay |
| Extra Features | 3x Base Sum Insured from Day1, but extra base sum is not restored (Secure) | Premium lock till a claim is made |
| Affordability | Affordable | Expensive |