Insurance Plans Comparison
Care Enhance Super Top-up One vs HDFC ERGO Optima Secure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance Super Top-up One
Extra hospitalisation cover with flexible deductibles to help manage major medical expenses.
What Makes It Special:
Enhance 1 is Care Health Insurance's super top-up health insurance product. The Enhance 1 variant offers a sum insured of ₹1 lakh to ₹30 lakh, with deductible options beginning at ₹50,000. It covers eligible inpatient hospitalisation, specified daycare procedures, organ donor expenses, pre- and post-hospitalisation expenses, annual health check-ups and eligible...
Best For:
Customers seeking flexible cover levels: People who want to choose among the available ₹1 lakh–₹30 lakh sum-insured options and permitted deductible combinations.
People who can manage a deductible: Customers with sufficient base insurance or savings to handle eligible expenses up to the chosen threshold.
Families planning for expensive treatment: Households looking for an additional layer of financial protection, subject to the selected deductible and family floater terms.
Individuals seeking higher hospitalisation cover: Customers who want to supplement their base policy with additional protection for major hospital bills.
Customers with existing health insurance: People who want additional protection against eligible medical expenses that exceed their current coverage.
VS
Optima Secure
Get up to 4X coverage with built-in benefits that increase your cover, restore your sum insured and protect you against specified non-medical hospital expenses.
What Makes It Special:
HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...
Best For:
Comprehensive Family Health Insurance
Multi-Benefit Medical Protection Plan
Coverage with Automatic Sum Boost
Restoration-enabled Secure Health Policy
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Assess the benefits you actually need. Review daycare coverage, pre- and post-hospitalisation expenses, organ donor cover, exclusions and the absence of an established standard restoration benefit.
Check room eligibility and co-payment. Ensure that a single private room meets your needs and account for the 20% co-payment if the entry-age condition applies.
Review waiting periods. Understand the initial waiting period, the waiting period for specified illnesses and the applicable pre-existing disease waiting period.
Understand how multiple claims are assessed. Check how eligible expenses from separate hospitalisations are accumulated and applied against the deductible during the policy year.
Compare the deductible with your base policy. Check whether your existing health insurance can meet the deductible and whether you can afford any shortfall yourself.
Coverage growth with Secure and Plus Benefits
Automatic sum insured restoration after claims
No room-rent or ICU restrictions
Annual health check-ups and preventive care
Long-term loyalty rewards and discounts
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Enhance Super Top-up One Health Insurance Plan VS VS |
![]() Optima Secure Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up One The documented Enhance 1 offering provides eligibility for a single private room. It does not include the next-category room upgrade advertised for Enhance 2. Choosing a room outside the permitted category may affect claim payment under the applicable policy terms. |
VS VS |
Optima Secure All room categories are covered |
| ICU Charges |
|---|
Enhance Super Top-up One ICU expenses are covered up to the applicable sum insured, without a separate monetary sublimit under the documented Enhance 1 offering. The deductible and other policy conditions still apply. |
VS VS |
Optima Secure No restriction on ICU room rent |
| Co-payment |
|---|
Enhance Super Top-up One A 20% co-payment applies where the applicable entry-age condition is met: age 61 or older at entry for an individual policy, or the eldest insured member's age at entry for a family floater. The insured must bear the applicable share of admissible expenses. |
VS VS |
Optima Secure Not available |
| Disease-wise sublimits |
|---|
Enhance Super Top-up One The documented schedule provides no separate monetary sublimit for ICU charges and doctors' fees. This does not establish the absence of every disease-specific or treatment-specific restriction; other policy limits and exclusions continue to apply. |
VS VS |
Optima Secure No |
| Cashless Healthcare Providers |
|---|
Enhance Super Top-up One Care's official website reports more than 22,100 cashless healthcare providers as of December 2025. Network participation can change, and cashless treatment is subject to hospital participation, pre-authorisation and policy conditions. |
VS VS |
Optima Secure 16000+ Healthcare Providers |
| Restoration Benefit |
|---|
Enhance Super Top-up One An automatic restoration benefit is not established as a standard benefit in the documented Enhance 1 schedule. Do not assume that the sum insured replenishes automatically after a claim. |
VS VS |
Optima Secure Yes, your sum insured restores to 100% once every policy year |
| Cumulative Bonus |
|---|
Enhance Super Top-up One A cumulative bonus is not included as a standard benefit in the documented Enhance 1 benefit schedule. Do not attribute a bonus advertised for another Care product to this variant. |
VS VS |
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
| Daycare Treatment |
|---|
Enhance Super Top-up One The documented prospectus covers 170 specified daycare surgeries or procedures that require less than 24 hours of hospitalisation. Coverage is subject to the applicable list and policy terms. |
VS VS |
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Enhance Super Top-up One Separate cover for consumables and non-medical hospital items is not established as a standard benefit. Such expenses should not be assumed payable unless they qualify under the applicable policy terms or an expressly selected benefit. |
VS VS |
Optima Secure Yes |
| AYUSH Treatment |
|---|
Enhance Super Top-up One Eligible inpatient Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment is covered up to the applicable sum insured, subject to policy conditions and eligible treatment requirements. |
VS VS |
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Enhance Super Top-up One 30 days from the policy's commencement for illnesses, subject to the applicable policy terms and the exception for covered accidental injuries. |
VS VS |
Optima Secure 30 days |
| Specific Waiting Period |
|---|
Enhance Super Top-up One 24 months of continuous coverage for specified illnesses, surgeries and treatments listed in the applicable policy wording, subject to the stated exceptions. |
VS VS |
Optima Secure 2 years |
| PED Waiting Period |
|---|
Enhance Super Top-up One The current Care Enhance product information specifies 36 months of continuous coverage for pre-existing diseases. The exact period applicable to an issued policy depends on its governing wording and endorsements. |
VS VS |
Optima Secure 3 years |
| Modern Treatment |
|---|
Enhance Super Top-up One Eligible inpatient and daycare treatment expenses are covered under the applicable policy definitions. Do not assume separate enhanced coverage for every advanced medical technology; admissibility depends on the policy's covered-treatment provisions and exclusions. |
VS VS |
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Enhance Super Top-up One An annual health check-up is available for each covered adult member, irrespective of claim history, subject to the insurer's service and eligibility conditions. |
VS VS |
Optima Secure Health check-up is available after the first policy year |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up One Eligible medical expenses incurred up to 30 days before hospitalisation are covered, subject to their connection with the hospitalisation and the policy's claim conditions. |
VS VS |
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Enhance Super Top-up One Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge under the documented Enhance 1 offering, subject to the policy's claim conditions. |
VS VS |
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Enhance Super Top-up One Routine outpatient consultations, pharmacy purchases and diagnostic expenses are not established as a standard OPD reimbursement benefit. Certain healthcare services or discounts may be available separately, subject to their applicable terms. |
VS VS |
Optima Secure OPD expense is not included |
| Deductible Option |
|---|
Enhance Super Top-up One Enhance 1 offers a deductible of ₹50,000 and higher options from ₹1 lakh to ₹10 lakh in the available increments and combinations. The insurer's liability begins only after eligible expenses meet the applicable deductible, as calculated under the policy. |
VS VS |
Optima Secure Available as an option |
| Coverage Options |
|---|
Enhance Super Top-up One Sum insured ranges from ₹1 lakh to ₹30 lakh in ₹1 lakh multiples. Individual and family floater arrangements are available, subject to the insurer's eligibility rules and permitted deductible/sum-insured combinations. |
VS VS |
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up One This is an insurer-level measure, not an Enhance 1-specific guarantee. Use Care Health Insurance's verified ratio for a stated financial year and clearly identified methodology; it should not be interpreted as a promise that an individual claim will be approved. |
VS VS |
Optima Secure 98% |
| Maternity Cover |
|---|
Enhance Super Top-up One Maternity and routine delivery expenses are not established as a standard covered benefit under Enhance 1. Service discounts, if available, should not be treated as reimbursement for maternity hospitalisation. |
VS VS |
Optima Secure Not in base plan; available as paid add-on. |
Insurance Plans Comparison
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