HDFC Ergo Optima Secure vs Care Insurance Heart

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

95%

87.10%

All room categories are covered

Up to ₹3 L sum insured – 1% of Sum Insured per day

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not available

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

15000+ Healthcare Providers

21700+ Healthcare Providers

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

No

Yes

Yes, your sum insured restores to 100% once every policy year

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

Your sum insured increases by 50% every year, maximum up to 300%

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Yes

No. However, available as an add-on

30 days

30 days

2 years

2 years

3 years

2 years

Health check-up is available after the first policy year

Health check-up is available from the first policy year

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available as an option

Not available

No. However, available as an add-on

Not available