Care Health Insurance Tomorrow vs HDFC ERGO Health Insurance Optima Secure

Single Private AC room covered

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic Surgery
2. Stem Cell Therapy
3. Organ Transplant
4. Cancer Treatment

20% for above 61 years unless waived by extra premium

Not available

Not Specifically mentioned

No

Not Available

Yes, your sum insured restores to 100% once every policy year

8000+ Healthcare Providers

15000+ Healthcare Providers

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Not Available in the base plan but you can add a rider to avail

Your sum insured increases by 50% every year, maximum up to 300%

Included within hospitalisation expenses.

Yes

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

30 days

30 days

2 years

2 years

3 years

3 years

Covered

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Stated

Health check-up is available after the first policy year

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included.

OPD expense is not included

Not Available

Available as an option

Available coverage options:

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

92.77%

95%

No. However, available as an add-on