HDFC ERGO Optima Secure vs Manipal Cigna Sarvah Param Health Insurance

 HDFC ERGO Optima Secure vs Manipal Cigna Sarvah Param Health Insurance

HDFC ERGO General Insurance Company Limited, Corporate address: HDFC House,1st Floor,165-166, Backbay Reclamation, H.T.Parekh Marg, Churchgate, Mumbai-400020

Manipal Cigna Health Insurance Company Limited, Corporate address: 401/402, 4th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (East), Mumbai - 400 063

A Comparison sheet between the best product of both the company which is "HDFC ERGO Optima Secure plan" and "Manipal Cigna Sarvah Param Plan".

Manipal Cigna Health Insurance Company Limited

COMPRATIVE STUDY BETWEEN OPTIMA SECURE AND SARVAH PARAM
BASIS	HDFC ERGO OPTIMA SECURE	MANIPAL CIGNA SARVAH PARAM
CSR	98.59	99.96
ENTRY AGE	ADULT 18 TO 65 YEARS	ADULT 18 TO 99 YEARS
	DEPENDENT CHILDREN 91 DAYS TO 25 YEAR	DEPENDENT CHILDREN 91 DAYS TO 30 YEARS
SUM INSURED	5 LAC TO 2 CR	5 LAC TO 3 CR
BONUS	50% BONUS EVERY YEAR UPTO 100%	100% GUARANTEED ADDITION EVERY YEAR UPTO 1000%
DAY CARE	AVAILABLE	AVAILABLE
DOMICILIARY HOSPITALISATION	AVAILABLE	AVAILABLE
AYUSH	AVAILABLE	AVAILABLE
REFILE/RESTORE	ONCE A YEAR, CAN ADD RIDER FOR UNLIMITED RESTORE	UNLIMITED RESTORATION
ROAD AMBULANCE	AS PER ACTUAL	AS PER ACTUAL
AIR AMBULANCE	COVER UPTO 5 LACS	COVER UPTO 10 LACS OVER AND ABOVE BASE SI [RIDER]
HEALTH CHECKUP	ONCE A YEAR	ONCE A YEAR FOR EVERY ADULT
WELLNESS BENEFITS	NOT AVAILABLE	DISCOUNT UPTO 20%
TELE- CONSULTATION	FOR 51 LISTED DISEASES ONLY	UNLIMITED TELE-CONSULTATION
PRE & POST HOSPITALISATION	60 DAYS & 180 DAYS	90 DAYS & 180 DAYS
MORDERN TREATMENTS	UPTO SUM INSURED	UPTO SUM INSURED
NON PAYABLE ITEMS	ALL COVERED	ALL COVERED
DURABLE MEDICAL EXPENSES	NOT COVERED	10 ITEMS COVERED UPTO 1 LACS
GLOBLE COVER	AVAILABLE	NOT AVAILABLE
DISCOUNT FROM NETWORK PROVIDER	NOT AVAILABLE	DISCOUNT ON PHARMACY, DIAGNOSTICS & HEALTH SUPPLEMENTS
OTHER DISCOUNT	5% LOYALTY DISCOUNT	UPTO 17.5% DISCOUNT ON 3YEAR RENEWAL
INITIAL WAITING PERIOD	30 DAYS	ZERO
SPECIFIC DISEASES	24 MONTHS OR 2 YEARS	ZERO
PRE EXISTING DISEASES WAITING PERIOD	36 MONTH OR 3 YEARS	ZERO [FOR DIABETES OR SUGAR, OBESITY, ASTHMA, BLOOD PRESSURE OR BP, CHOLESTEROL]
2X COVER FROM DAY ONE	SECURE BENEFIT [IN BUILD]	SURPLUS BENEFIT [UNDER RIDER]
DAILY CASH BENEFIT	800 PER DAY UPTO MAX. 4800 IN CASE OF SHARED ACCOMMODATION	800 PER DAY UPTO MAX. 5600 IN CASE OF SHARED ACCOMMODATION
		CREATED BY INDRAJIT PRASAD

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