Care SUPREME vs HDFC Ergo Optima SECURE | *DETAILED* policy comparison | Ditto Insurance
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- čas přidán 5. 09. 2024
- #hdfcergo #carehealthinsurance #dittoinsurance
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Welcome to Ditto Insurance! In this video, we will deep dive into the world of health insurance, comparing HDFC Ergo Optima Secure vs. Care Supreme.
We will be discussing:
Unique features (USPs) of HDFC Ergo Optima Secure & Care Supreme
Comparison between companies: HDFC ERGO vs CARE Health Insurance
Feature comparison between Optima Secure & Care Supreme- eligibility criteria, health insurance covers available, waiting periods & other features
Premiums of HDFC Ergo Optima Secure vs Care Supreme
Different riders of HDFC Ergo Optima Secure vs Care Supreme
What does Ditto Insurance recommend based on the cost vs feature analysis?
Like, share & subscribe for #UnAbashedlyUnbiased Insurance Advice!
Here is the detailed review of HDFC Optima Secure- • Everything about HDFC ...
Detailed Review of Care Supreme- • Care Supreme Health In...
Happy Insurance Hunting!
HDFC is a general insurance company which provides different types of products like motor, travel property insurances which will have less chance of complaints.. So the total average of complaint percentage reduce...Care is a standalone health insurance company which sell only health products.. So comparing these two volume of complaints is not justified.. Compare it with hdfc health insurance products volume of compliant only
Makes sense
But if all services under 7% still tremendous hdfc ka bank jaisa he h kam npa safe bank care like bandhan bank adventure hain baba😂
It is just comparing apple with orange apple is care and orange is hdfc
But I think when they calculate hopefully they consider only health insurance complaints.
Its on every 10000 complaints mde to IRDAI, so in any case people are making lesser complaints.....
You have missed major point here. Care Supreme has limitation, you can take treatment only in Zone of your postal address, company will not pay if claim is in other zone. Example: I am residing in Bangalore, my address is Bangalore. In case I had to take treatment in Mumbai or Delhi, that will be considered as different zone w.r.to Bangalore and CLAIM WILL BE REJECTED.
L😊l😊
L😊l😊ll
Care supreme direct is PAN India
😮
Oh thanks for the information
if i reside in zone 2 and pay premium of zone 2 . Can i take treatment anywhere in india in zone 1 cities without any copayment?
Is the low complaint for hdfc due tonit being a general insurer? Isn't it unfair to compare both? Is there data available for hdfc health insurance separately.
Hey! Yes, we have mentioned in a few videos that HDFC being a general insurer can play a role in their low complaint volume. However, we do not have any health-specific data available for them.
Care supreme plan is good.. But as a customer i dont suggest it to anyone because Care customer care service is very poor. They will never give reply to our emails and enquires. Also there is only option to speak to sales officers..Their only aim is to sell policy.
I used Star health before porting to Care.. Star healths service is much better than Care.. Customer support is very good in Star and they will get touch with us when needed.. So iam fedup with Care now and iam planning to Port to HDFC ERGO next year..
Before you take the decision, maybe we can help you understanding specific problems with your current policy. Book a call with us: bit.ly/3TjMsBQ
And yeah, we don't charge a single rupee for this..
Hdfc ergo is same. Only mail mail mail
No one to speak to.
Every mail replied by someone else.
Which one is better I have care supreme..but my plan is Port to HDFC ergo pls suggest me..
HDFC Optima secure is slightly expensive but brings peace of mind.
You guys didn't put disclaimer that the video is sponsored by HDFC ergo !!
In hdfc double cover from day 1 so compare
Secure 5 lakh premium vs care 10 lakh premium
Huge Help. Thanks a ton Kavya. After hours of research, This is the only video that answers all of my questions.
Hey! Glad we could help.
So which one are you
going to buy?
I ported two of my health policies, parent's and mine from Care Health to HDFC Ergo.. I was really confused because Care Health had an excellent plan with no sub-limits and half the premium cost but wasn't sure of their reputation. This video cleared that up for me. Peace of mind especially during hospitalization is way too important for me than double premium cost.
Would migrating from HDFC Ergo's Optima Restore plan to the Optima Secure plan, while concurrently enhancing the base coverage from5 lakhs to 10 lakhs, invoke a renewed three-year waiting period for pre-existing diseases? I have maintained my policy for eight years. I would appreciate your expert guidance on this matter.
The waiting period upto the sum insured plus bonus will be carried forward to the new policy you are porting or migrating into. Only for the additional sum insured you have increased which is over an above the base plus bonus combo, you would have to serve the Waiting Period.
For e.g., here 5L restore policy is what you are holding. If claims were made in this policy the total sum insured would be 10L with the help of no claim bonus. Now if you are migrating to secure 10L cover there won't be any waiting period applicable. On the other side, if it was 15L then for the extra 5L fresh Waiting Period will be applicable.
Hope this helped. If not, please feel free to reach out to us for further help - bit.ly/3TjMsBQ
In hdfc restore is available for partial use
And in care pura sum assured use hone ke bad restore milta hai
Ye bhi bataye logo ko
Care never approves your hospital claims and they try to find all possible ways to reject your claim.
Can you do one for senior citizens with sugar n bp?
We hear you. Video out soon. Stay tuned :)
Thanks for the detailed explanation. I guess I can continue with Optima Secure!
Thanks Don! Glad it helped..
I have optima secure too ! Will continue with it. Looks decent.
Hey Ditto team, I see that there's no Domiciliary facility mentioned in HDFC Ergo Optima Secure screen on Ditto website. However, when I switch to a screen where I am trying to compare between Care Supreme and HDFC Ergo Optima Secure, it was mentioned both of these have Domiciliary covered. I am confused now whether the HDFC Ergo Optima Secure has Domiciliary coverage or not ? Could you please confirm.
Both plans cover domiciliary
Could you please make a video specific on super top up plan and best plan
Noted. Will do! 🙌
The shirt colour is matching with best insurance company
Biased hain ye log
What a great video. Great research. great way to market the company with great point of free consultation without spamming. This girl is an engineer. Engineer in marketing. Engineer can rock and roll in any field😂😂
Great video. But I kneep hearing only about HDFC and CARE from ditto. I would like to hear about Ditto's perspecitve about ICICI and TATA AIG and why not speak about their best plans as well
Yes, we're on it
Are premium are increase from june 1st or it is the company just making us scare to buy it fast
Hi Ma'am, till what age bracket premium are same and if it is not same then yearly how much percentage premium increase in both companies?
Care supreme age slabs are as follows: 18-35, 36-40, 41-45. Basically, the age slab is every 5 years and once you cross from one age slab to another you can expect a 15-30% increase in premium based on age and 10-15% every 2-3 years based on medical inflation. In HDFC, it increases on a yearly basis which is 2-4%, every year based on age. Medical inflation is the same
Very good mam..I am 56yrs now ..company is hvng group health insurance ..but I would like to make own one now..latter add to my spouse and children which one is better cover be 5 lacs ..cheap and best one pls recommend..bit urgent..no pre existing illness and health issues. But want to do it now..becoz this month end age will become 57 before that I would like to do it.thank you very much
Hi there,
To get in touch with our expert advisors, please head to joinditto.in/ and book a spam-free, free-of-cost call with any of our advisors :)
What about reasonable and customary clouse apply in care
Pls clear
Basically if you have reasonable and foolproof claim then apply for care claim since care insurance will look into every excuse, they have to deny claim. Here's an example -
A. My mom had cataract surgeries on 19th & 23rd June last year.
B. Care initially accepted both claims as both surgeries are pretty standard and should be covered under their cover right?
Nope, they later rejected one claim saying that hospital got blacklisted on 23rd June yet funny enough, claim on 23rd June was approved but one on 19th got rejected under mysterious circumstances since their rejection statement again reflected different statements.
In addition, we still didn't receive that claim despite multiple escalation and since my mom got diagnosed with kidney cancer in September, we didn't have time to pursue it further. Yet here's another banger, I had renewed her policy in August last year since we didn't want to take additional risk and thus when she died in ICU due to a stroke, care again rejected a cashless claim from reputed hospital due to another excuse. Overall, care will happily pester you for policies but won't explain claim rejection under one pretext or another.
PS - not just me but multiple other people have mentioned horrendous claim experience with care and care will enforce unnecessary paperwork at a time of personal crisis.
Optima secure me 25k 50k 1lac.... Deduction me aacha discount offer ho raha hai
Why ditto is limited to only care and hdgc ergo??
They got broker license and these 2 companies might be paying hefty commissions to promote their plans and onboard more customers
Dont you guys have ditto mobile app?
Is Lasik surgery covered in Insurance. I am 26 years old. Power is -2.75.
Do eye exercises first before going for Lasik
What about godigit unlimited health plan?
Nobody tells bout how many years we need to pay for optional benefit if i choose PED reduce to 1year(should we pay eztra for 1 year ped or for default 4 years ped or lifetime) & if i choose cumulative bonus super (should we pay upto 5years or lifetime).
Your reply is appreciatable
Hi,
To answer your queries:
1. During a new policy purchase, if we choose to reduce the PED (Pre-existing disease) waiting period by opting for the rider, we need to pay the rider premium for 4 years and then discontinue the same. However, in case of porting, it will vary based on existing coverage amount and Sum Insured opted in new plan.
2. For Cumulative Bonus Super, we need to pay the premium every year and opt for the rider as long as we wish to have the benefits from the rider. If we discontinue (stop paying premium for the rider), then all the accumulated benefits will be lost. Also, please note that for some age groups (like eldest insured member's age75), this add-on is mandatory.
make a video on ergo group opd plan
Want a detailed comparison between HDFC ERGO Optima Secure vs Aditya Birla's newly launched Activ One Max
On it
Please make videos on "Manipal Cigna" and "Niva Bupa" Health Insurances as well.
We have covered Niva Bupa on our channel.
What is age restriction here? HDFC secure doesn't cover after 65 years?
Hey! Entry age up to 65 means that you cannot get a new plan after you turn 66. However, if you've already purchased a plan before you're 65, you can renew your plan lifelong.
@@dittoinsuranceHi, so the cover extends upto what age? If a person gets hospitalized at 85 or
90 , can he claim?
There is no any age restriction for Optima Secure Plan from May 2024..
@@rambishwashpandit5654🤝😊
Why you are not making video for Star health please make Star health video
whoever is paying good commission they only be covered by any policy brokers.
Star Health's csr is becoming bad to worse
Can we cancel policy after buy within 1 month
Hey! These plans have a freelook period within which if you cancel, premiums get refunded. After this period, cancellation will incur charges. Both Care Supreme & Optima Secure have a freelook period of 15 days.
should I declare RBBB as PED ?
Any ongoing medications , Diagnosis, Past hospitalisations or surgeries have to be declared during the application of health insurance
@@dittoinsurance But, insurance company is not accepting my policy
Under secure plan... Premium will increase 2% every year
Totally biased video favoring HDFC .... Profitability at ICR of 81% ...the COR would jump up to 100%. Much higher than that of Care... This will lead to increase in premiums inevitably.
Could you elaborate on this?
Will HDFC refuse to give health insurance for me after I reach 65 years?
HDFC Ergo has policies for people beyond the age of 65. However Optima Secure is only available to people who are between the ages of 18 and 65
@@dittoinsurance so, there is no lifelong renewal available right? Only till 65?
Is there any rider available in HDFC to reduce PED ?
No. Currently HDFC doesn't have any plans that do so.
Hi madam recently changed from hdfc ergo to care supreme for my mother.She hospitalized & diagnosed with asthma,lung infection.Care saying bp ,diabetes ,asthma you don't mention while portability.But pre existing diseases like bp,breathleness,asthma shortage of oxygen started from covid.Why they are denying these diseases
Hey, we would need more information of the case before we can help you out. If you'd like to reach out to us, here's the link- bit.ly/4787WoW
Is it true hdfc ergo optima secure doea not include robotic surgery?? Where as care does??
One of my agents says so. Please do let me know.
Thanks
That's what policy wordings and prospectus do not mention anything about. HDFC ergo online sales executive simply confirms orally that it's covered but awaiting their email reply since a month even after continuous follow up. The same is with mental illness cover.
As per IRDAI notification all insurers have to cover all the modern treatment including robotic surgeries. So irrespective of plan it will be covered. Also they haven't mentioned any limit so it should be covered up to SI
Hey! Both plans cover it
Really helpful. Thank you Ditto team
Glad it was helpful!
Is it not risky to pay online premium, after payment there are chances of stopping communication, please reply, as there is heavy discount from ditto
Pls read policy wordings first
Family floater nhi de raha 😢hdfc ab
CARE mean careless please avoid ...there customer care is worst one...no one care about you...even you mail them they sucks...this was may third year with care
Claim settlement is good or bad in care ???
Aap hindi me samjhaaye ya english me mix mat karo kuchh samajh nahi aaya. Mujhe pata hi tum england se ho. Isliye sirf ek hi language ka prayog karo.
Learn English.
There is no app or contact number of Ditto...they will only contact with you if you go to their website that too after one week...😂😂... anybody who will be in hospital will have to wait for a week to speak to Ditto.... Darshan bade kaam chote...
Hi
You can find the claims section here. It’s on the main tab. joinditto.in/claims-assistance/. Existing customers can also reach out to the number listed on the website 08048816818. You can call this right now and somebody will answer. It’s a 24/7 line.
The wait time you quoted is only for new consultations. All existing customers and claims are handled instantly.
Wrong information
Means ?? Can u elaborate please
😮
Don't purchase care policy claim reject kerti he meri 10 year purani policy he so pl don't purchase chor company he