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Best Health Insurance Plan for 2026 | HDFC Ergo Vs Niva Bupa | Sanjay Kathuria
Confused between HDFC ERGO Optima Secure and Niva Bupa ReAssure 2.0?
Most people buy health insurance based only on premium or brand. But actual differences appear only at claim time — room rent rules, non-payables, restoration, cashless support and bonus structure.
In this video, I break down both plans side-by-side so you understand:
• Which insurer is more reliable in real emergencies
• How bonuses actually grow your cover
• Unlimited restore vs yearly restore
• Which plan suits young couples, parents, and joint families
• Which one saves the most money at the time of hospital bill settlement
If you still feel confused, book a free consultation with Ditto’s experts. They help choose the right plan based on your life situation — not premiums or brand hype.
Comment which plan fits your family.
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Keywords:
HDFC ERGO, Niva Bupa, Optima Secure, ReAssure 2.0, Health Insurance Comparison, Best Health Insurance India, Ditto Review, Medical Insurance Guide.
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Tags
HDFC ERGO, Niva Bupa, Optima Secure Review, ReAssure 2.0 Review, Best Health Insurance India, Health Insurance Comparison, Health Insurance 2025, Sanjay Kathuria, Ditto Insurance, Medical Insurance India, Family Health Insurance, Top Health Plans India.
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Sanjay Kathuria, founder of ProfitsFirst, is a Chartered Financial Analyst (CFA) and renowned options trading expert with 16+ years of corporate experience. Financially independent by 39, he has empowered over 25,000 individuals and 10,000+ SMEs to achieve financial freedom. As an ET ’40 Under 40′ awardee, Sanjay’s content on passive income and investment strategies has reached over 1 million followers across social media. Join his mission to simplify business finance and unlock your path to financial independence with proven strategies and insights.
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Disclaimer:
This video is for educational purposes only and is not financial or investment advice. I am not a SEBI-registered advisor. Investments in stocks, mutual funds, real estate, digital assets, and other instruments involve risk, including possible loss of capital. Past performance is not a guarantee of future results. Please do your own research and consult a SEBI-registered financial advisor before making investment decisions.
Some links may be affiliate links; I may earn a commission at no extra cost to you. All sponsorships or promotions will be clearly disclosed. Viewers are responsible for their own tax and regulatory compliance.
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