HDFC ERGO My Optima Secure

HDFC’s star product, Optima Secure, offers exceptional features along with HDFC’s superior customer service. While the policy comes at a slightly higher premium than competitors, it justifies the cost during claims. It includes unlimited restoration of the sum insured and valuable add-ons such as maternity benefits and waived waiting periods for conditions like asthma, cholesterol, BP, and diabetes. There is no co-payment for treatments in higher-zone cities, and it provides inbuilt coverage for consumables like needles and gloves, which are typically add-ons with other insurers. Additionally, the policy value can increase up to four times the sum insured within three years of continuous coverage.

ICICI Lombard Elevate

ICICI Elevate offers extensive coverage with excellent features. It includes unlimited restoration and waiver of waiting periods for chronic conditions like cholesterol, diabetes, and hypertension. There is no capping on modern treatments, ensuring comprehensive medical coverage.The plan offers add-ons such as the Power Booster, which provides a 100% sum insured increase on renewal every year without capping. Additionally, policyholders can opt for an unlimited sum insured option, an industry-first feature. A discount is also available for customers with a good CIBIL score, making it a financially rewarding choice.

Care Supreme Health Insurance

The product has no restrictions on room rent, covers modern treatments, and offers unlimited restoration benefits along with a high cumulative bonus. The plan includes add-ons that reduce waiting periods from 3 years to 2 or 1 year. An annual health check-up is available as an add-on. It also offers an OPD benefit rider, allowing policyholders to avail benefits of up to ₹4,000 on visits to both general physicians and specialists.

Niva Bupa ReAssure 2.0

Niva Bupa Reassure 2.0 provides coverage with good inbuilt features. 100% carry-over of unclaimed amount every year on renewal and no capping on room rent category are some of the attractive features. A standout feature is Lock the Clock, available in the Platinum and Titanium variants, where the premium does not increase with age until a claim is made. This is particularly beneficial for individuals starting their careers, as the policy can serve as a long-term safety net for future healthcare needs.However, it is important not to base judgment solely on these features. Niva Bupa's claim servicing, especially for reimbursement claims, has been reported as less smooth compared to other insurers, with a high number of complaints regarding the process.

Tata AIG Medicare Plus

Tata AIG MediCare Plus Plan offers cost-effective, comprehensive coverage, including maternity and dental treatments, with no co-payment options. Ideal for those seeking to enhance existing coverage and manage rising medical expenses.

ICICI Prudential IProtect Smart

iProtect Smart offers life cover till 99, critical illness cover for 34 diseases, zero-cost exit, and a 97.52% claim settlement ratio.

HDFC Life Click 2 Protect Super

HDFC Life Click 2 Protect Super is suited for individuals seeking customizable term insurance with extended coverage, return of premium, and accidental death benefits. Though comprehensive, additional riders may raise overall costs.