HDFC ERGO Optima Secure vs Care Supreme vs Niva Bupa ReAssure 2.0 | Best Health Plan 2024

In this video, we’re in talks with Shrehith Karkera & we will be comparing HDFC ERGO OPTIMA SECURE vs CARE SUPREME vs NIVA BUPA REASSURE 2.0- which is the best health insurance plan in India in 2024 - based on your needs & the performance of the health insurance plan.

Watch our reviews of:

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Happy Insurance Hunting!

[DileepMatcha-bq]

Do not buy health insurance from policy bazaar, especially niva bupa, they will simply reject claim when needed and both nivabupa and policy bazaar speak very rudely at the time of claim. If u guys delete my comment I will post again n again because no one should suffer by taking health insurance policies from nivabupa or policy bazaar as I had very bad experience at the time of claim

[prafulyadav]

U know what... These types of videos only we want it as a comparison rather how other people compare policy .... Best video till now.. loved it... Best comparison

[DelhiiteChetan]

Title should be - let’s promote secure plan

[AdityaKumar-dhrd]

HDFC ERGO not allowing room rent above entry level single AC room in cashless claims citing MOU between HDFC ERGO and the Hospital. Please talk about this.

[amangarg]

Really loved the transparency in providing details of insurance company. They don’t push customers to buy immediately.

[raniket]

After long search found this video, many videos are there on YT but no one is talking about claims experience n complains which is most important before buying policy, they are just talking about features, thank you so much for this much informative video... ❤😊

[dittoinsurance]

1:14 Shrehith actually meant to say he paid the premiums for 2 years instead of 3 years

[meg]

I also chose care supreme for my PIL and my mother just because we can reduce waiting period and no copay after 60yr.

[sureshnaidu]

A health insurance plan with cancer cover would be great as it was getting common now a days

[dhirajbharude]

Guys never go for niva bupa. Worst customer service. Instead of looking for features look for claim settlement ratio. Highest the claim ratio better the policy even if it doesn’t have lot of features.

[anieskareem]

I have been using HDFC Ergo for last 4 years. I got 3 claims and 1 rejection. The customer care support was very poor. There was a guy who handled claims in Kochi office, He did not even file my case on time . Delayed nearly 1 month. Then when I ask for claim he was like, within 1 week, within 1 week. After a month when I contacted customer care they told us about 27 days enquiry 😂… then show continues. After long chats and wait for nearly 10 months I left the game 😢.

[neerajgupta]

Care supreme is a really good plan with low premium without any sub-limit and loading on PED a budget friendly Health Insurance plan for all

[riteshbajaj]

Since it is scripted, and favoured towards three insurers due to higher payouts. It can never bring out real comparison.

[jaganathpradhan]

This was a great video, got some much needed clarification regarding choosing a plan . Sharing these realtime experiences helps a lot .

[NaveenKumar-ddgo]

I had good experience with HDFC Ergo with my parents, Everytime claim would have been approved with all the documents . They accept online claims which is great, soft copy of bills would be enough . HDFC ergo is great compare to others.

[ambatidurga]

I too just had a appointment call..
Now, I became Good at opting policy which was suit me

[gunjotsingh]

Thank you Kavya & Shrehith for explaining everything in such detail. I would say, this is a must video for everyone buying the health insurance to understand the value of high premium paid to health insurers like HDFC Ergo and Tata AIG. No other article or blog talks about customer experience except this video that you guys made. Huge help.

[nsrajesh]

Room rent capping is there in Re Assure plan.I have taken 1Cr plan.They have rejected my claim.
Reason- 1.Cashless denied as we do not have tie up for suite room.

[raghav]

At 16:48 is it % of complaints as shown on y-axis or complaints for every 10, 000 claims? If a company is getting as high as 30-40% complaints it shouldn't even exist and don't think IRDAI will allow such high complaint ratio? If it's complaints for every 10, 000 claims, showing as % is extremely misleading and misselling.

[pnandakumar]

Before you compare a clear understanding of all the 3 plans is important. Care Supreme provides 600% guaranteed bonus .Upto 45 years and above 75 years it is built in. age 46-75 its optional. Its not 500% as you say. Multiple restoration is available in Care Supreme and Re Assure 2.0 and Re Assure. In HDFC Optima SecureRestoration happens only once in a year. you have to pay extra foe multiple restoration. Care & Niva Bupa have no room category capping, can go even upto suite room. HDFC Optima Secure only single AC room. If the eligible room not available we land up paying a huge money from our pocket in HDFC .In Re Assure 2.0 once the restoration is triggered its applicable for ever . In Care and HDFC plan every year it has to be triggered and it happens only after the 1st claim. A humble request while comparing some important features useful to customers should not be ignored which ever be the plan.