Comparing HDFC Ergo Optima Restore vs ICICI Lombard Health Shield 360
Choosing a health insurance policy involves taking the time to assess and compare different options according to one’s individual requirements. HDFC Ergo Optima Restore and ICICI Lombard Health Shield 360 are two of the best health insurance plans available in the market today. Both insurance companies are reliable and offer comprehensive coverage. Here we compare the features and benefits of HDFC Ergo Optima Restore and ICICI Lombard Health Shield 360 to help you make an informed decision.
HDFC Ergo Optima Restore provides cover for Expenses incurred in case of hospitalization, pre-hospitalization (medical expenses for upto 30 days before hospitalization), post-hospitalization (upto 60 days) and also medical check-ups, depending on the sum insured chosen. It also offers protection against accidental hospitalization and also critical illnesses like stroke, heart attack, cancer, etc., up to the sum insured from the basic plan. This insurance plan is available to individuals, families and senior citizens, with an extended cover of domiciliary hospitalization, pre-existing disease cover, maternity expenses, and daily cash allowance.
ICICI Lombard Health Shield is another comprehensive health insurance policy that provides coverage for medical expenses. It offers cashless hospitalization at more than 5,800 network hospitals across India and extensive coverage for critical illnesses, personal accident, global coverage for medical expenses, medical second opinion and domiciliary hospitalization. This health insurance plan also offers a range of additional benefits like maternity expenses cover, preventive health check-ups, bariatric surgery and many more.
Both HDFC Ergo Optima Restore and ICICI Lombard Health Shield provide a wide range of health insurance coverage and features. However, payment of premium is one of the most important factors to consider when choosing a health insurance plan. HDFC Ergo Optima Restore has lower premium rates compared to ICICI Lombard Health Shield. Therefore, it is a good option for those who are on a tight budget and looking for cost-effective health insurance. On the other hand, ICICI Lombard Health Shield offers a wider range of coverage and additional features which makes it a better option for those who are looking for comprehensive health coverage.