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HDFC ERGO vs Care Health

HDFC ERGO VS Care Health Insurance

When it comes to safeguarding your health, choosing the right insurance provider can seem like a difficult task. With multiple choices available on the market, two of the most renowned names in the health insurance industry are HDFC ERGO and Care Health Insurance.

Both companies offer a wide range of health insurance policies that cater to different  health care needs of individuals. But how are the plans different from each other?

In this article, we will compare some key features of HDFC ERGO and Care Health Insurance. We will also compare two of their most popular health plans for your better understanding.

Firstly let us look at some key features of both the health insurance providers.

About the Company

HDFC ERGO

Care Health Insurance

Claim Settlement Ratio

100%

100%

Network Hospitals

12000+

 9400+

Incurred Claim Ratio

62%

55%

Branches

100+

158 offices 

 

Employees

9700+

8500+

HDFC ERGO VS Care Health Insurance Family Health Insurance Plans

Now, let us highlight the key differences between the family health plans offered by both the

companies, to give you a better understanding.

Plan Features

HDFC ERGO Optima Restore Family

Care Supreme Health Insurance

Hospitalization

Covered

Covered

Restore Benefit

100%

100%

No Claim Bonus

50% increase SI, for every claim free year, subject to a maximum of 100%

50% increase SI, for every claim free year, subject to a maximum of 100%

Co-payment

NA

NA

Pre-Hospitalization

60 days

60 days

Post-Hospitalization

180 days

180 days

Ayush Treatment

Not available

Covered upto SI

Ambulance expenses

Up to ₹10,000

Up to ₹10,000

Sum Insured

Starting from ₹ 3 Lacs up to ₹ 50 Lacs

Starting from ₹7 Lacs up to ₹ 1 Crore

Pre-existing Conditions

Pre-exisiting diseases covered after 3 years

Pre-exisiting diseases covered after 4 years

Conclusion

From the perspective of a health insurance buyer, there are a few differences between the family floater plans offered by the two companies. As per our conclusion, we are highlighting some key differences:

  • HDFC ERGO Optima Restore plan does not cover Ayush treatment, whereas the other plan offers coverage for Ayush treatment up to the sum insured.
  • HDFC ERGO Optima covers pre-existing diseases after 3 years. Care Health Insurance covers pre-existing diseases after 4 years.

Hence, if you are someone who is already suffering from any pre-existing health illness, HDFC ERGO Optima Restore policy seems like a better option due to the shorter waiting period.

HDFC ERGO Vs Care Health Insurance Critical Illness Plans

Plan Features

HDFC ERGO Critical Illness Policy

Care Critical Mediclaim Policy

Coverage

Covers 50 life threatening illnesses:

 

Cancer

Heart Attack

Stroke

Major Organ Transplant

Multiple Sclerosis

Paralysis

Kidney Failure

Aorta Graft Surgery

Coronary Bypass Surgery

Brain Tumour

End Stage Liver Disease

Alzheimer

Heart Valve Replacement

Parkinson’s Disease

Pulmonary Arterial Hypertension

Crohn’s Disease

Myelofibrosis

Elephantiasis

Progressive Supranuclear Palsy

Severe Rheumatoid Arthritis

Severe Ulcerative Colitis

Progressive Supranuclear Palsy

Brain Surgery

Multiple Sclerosis with persisting symptoms

Bacterial Meningitis

End Stage Lung Failure Fulminant Hepatitis   Eisenmenger’s Syndrome & More

 

Covers 32 life threatening illnesses:

 

Cancer

Heart Valve Replacement

End Stage Liver Disease

Stroke

Angioplasty

Parkinson’s Disease

Alzheimer

Heart Attack

Paralysis

Pulmonary thromboembolism

Aplastic Anaemia

Infective Endocarditis

Balloon Valvuloplasty/Valvotomy

Blindness

Major Burns

Organ Transplant

Bacterial Meningitis

End Stage Lung Disease

Implantation of Pacemaker

Cardio Artery Surgery

Surgery of Cardiac Arrhythmia

Pericardietomy

Motor Neuron Disorder

Coronary Artery Bypass Graft

Cardiomyopathy

Implantable Cardioverter Defibrillator

Total Artificial Hearts

Valvoplasty

Heart valve repair

 

 

 

Renewability

Lifelong

Lifelong

Lumpsum Payout

Available

Disability and Accidental Coverage available

Sum Insured

₹ 5 Crore

Upto  ₹ 2 Crore

Note: Please check the brochure to see the complete list of illnesess covered. https://www.hdfcergo.com/documents/downloads/HEHI/my-Health-Critical-Illness/my-health-Critical-Illness_Prospectus.pdf

Conclusion: While both plans are pretty much similar, Care Health Insurance covers 32 specific illnesses. HDFC ERGO Critical Illness policy offers coverage for 50 life-threatening illnesses. Hence, you must consider the health care needs of yourself and your family members and also check out the specified illnesses covered by each  plan to make an informed decision.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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