Source

Elseniro

u/Elseniro

r/InsuranceAdviceIndia•

HDFC ERGO Optima Secure Plus vs Care Ultimate – Need advice from people who have actually made claims

I'm looking for a ₹20 lakh family floater health insurance for myself and my wife, and I'm stuck between HDFC ERGO Optima Secure Plus and Care Ultimate.

My preference is currently towards HDFC ERGO because, from everything I've read, they seem to have one of the strongest reputations when it comes to claim settlement, cashless experience, and overall support when you actually need the policy. For me, that's the most important thing. The day I need health insurance, I don't want any headaches.

However, Care Ultimate is tempting because of the gym benefit, which would effectively give me and my wife free gym access worth around ₹20,000 per year. We both go to the gym regularly anyway, so it'

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r/indiahealthinsurance•

HDFC ERGO Optima Secure Plus vs Care Ultimate – Need advice from people who have actually made claims

Looking to buy a Health Insurance cover

I'm looking for a ₹20 lakh family floater health insurance for myself and my wife, and I'm stuck between HDFC ERGO Optima Secure Plus and Care Ultimate.

My preference is currently towards HDFC ERGO because, from everything I've read, they seem to have one of the strongest reputations when it comes to claim settlement, cashless experience, and overall support when you actually need the policy. For me, that's the most important thing. The day I need health insurance, I don't want any headaches.

However, Care Ultimate is tempting because of the gym benefit, which would effectively give me and my wife free gym access worth around ₹20,000 per year. We both go to the gym regularly anyway, so it'

13