Insurance Plans Comparison
Care Super Mediclaim vs HDFC ERGO Optima Secure Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
VS
Optima Secure Plus
Get enhanced health insurance protection with 2X cover from Day 1, 100% additional base sum insured every year, unlimited automatic restoration and coverage for listed non-medical hospital expenses.
What Makes It Special:
HDFC ERGO Optima Secure+ is a comprehensive health insurance plan designed to build coverage over time while providing enhanced protection from the start of the policy. Its Secure Benefit doubles the base sum insured from Day 1, while the Infinite Benefit adds another 100% of the base sum insured after...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
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 your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Long-term loyalty rewards and discounts
Annual health check-ups and preventive care
No room-rent or ICU restrictions
Automatic sum insured restoration after claims
Coverage growth with Secure and Infinite Benefits
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Mediclaim Health Insurance Plan VS VS |
![]() Optima Secure Plus Health Insurance Plan |
| Room Rent |
|---|
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
VS VS |
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
| ICU Charges |
|---|
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
VS VS |
Optima Secure Plus No restriction on ICU room rent. |
| Advanced Treatments |
|---|
Super Mediclaim Information Unavailable |
VS VS |
Optima Secure Plus Covered all Advanced/Modern treatments |
| Co-payment |
|---|
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
VS VS |
Optima Secure Plus No Mandatory Co-payment |
| Disease-wise sublimits |
|---|
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
VS VS |
Optima Secure Plus No |
| Cashless Healthcare Providers |
|---|
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
VS VS |
Optima Secure Plus 16000+ Healthcare Providers |
| Restoration Benefit |
|---|
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
VS VS |
Optima Secure Plus Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses. |
| Cumulative Bonus |
|---|
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
VS VS |
Optima Secure Plus Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely). |
| Daycare Treatment |
|---|
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
VS VS |
Optima Secure Plus Covered up to Sum Insured |
| Consumable Cover |
|---|
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
VS VS |
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
| AYUSH Treatment |
|---|
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
VS VS |
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
| Initial Waiting Period |
|---|
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
VS VS |
Optima Secure Plus 30 Days |
| Specific Waiting Period |
|---|
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
VS VS |
Optima Secure Plus 2 years |
| PED Waiting Period |
|---|
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
VS VS |
Optima Secure Plus 3 years |
| Modern Treatment |
|---|
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
VS VS |
Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period. |
| Annual Health Checkup |
|---|
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
VS VS |
Optima Secure Plus Health check-up is available after the first policy year |
| Pre-Hospitalisation |
|---|
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
VS VS |
Optima Secure Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved. |
| Post-Hospitalisation |
|---|
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
VS VS |
Optima Secure Plus You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
VS VS |
Optima Secure Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits. |
| Deductible Option |
|---|
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
VS VS |
Optima Secure Plus Available as an option. |
| Coverage Options |
|---|
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
VS VS |
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr |
| Claim Settlement Ratio |
|---|
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
VS VS |
Optima Secure Plus Information Unavailable |
| Maternity Cover |
|---|
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
VS VS |
Optima Secure Plus No. However, available as an add-on |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Super Mediclaim vs Optima Secure
Super Mediclaim vs Health Recharge
Super Mediclaim vs Cancer Cover Activ Cancer Secure Plan
Super Mediclaim vs Optima Secure Plus
Super Mediclaim vs Women Care
Super Mediclaim vs Aspire Diamond+
Super Mediclaim vs Activate Booster Plan A
Super Mediclaim vs Active Care Premier
Super Mediclaim vs ProHealth Accumulate
Super Mediclaim vs Health Super Saver Standard
Super Mediclaim vs Supreme Shine
Super Mediclaim vs Optima Secure Global Plus
Super Mediclaim vs Health Cardiac Care Silver & Gold Plan
Super Mediclaim vs myHealth Suraksha Gold
Super Mediclaim vs LifeTime Health Global
Super Mediclaim vs Active Fit Plus
Super Mediclaim vs OneHealth Premium
Super Mediclaim vs Activ Health Platinum Essential
Super Mediclaim vs Medicare Plus
Super Mediclaim vs Medicare Senior
Super Mediclaim vs Enhance Super Top-up Two
Super Mediclaim vs Medicare Protect
Super Mediclaim vs Activ One SAVR
Super Mediclaim vs Active Assure Diamond
Super Mediclaim vs Activ One VIP
Super Mediclaim vs Health Pulse Classic
Super Mediclaim vs Advantage
Super Mediclaim vs Special Care Gold
Super Mediclaim vs Activ One Max
Super Mediclaim vs Classic
Super Mediclaim vs Activ One Vytl
Super Mediclaim vs Supreme
Super Mediclaim vs Freedom
Super Mediclaim vs Sarvah Pratham
Super Mediclaim vs Joy Today
Super Mediclaim vs Medi Classic
Super Mediclaim vs Activate Booster Plan B
Super Mediclaim vs Aspire Gold+
Super Mediclaim vs Aspire Platinum+
Super Mediclaim vs Plus Complete
Super Mediclaim vs Reassure 2.0 Platinum+
Super Mediclaim vs Elder Care
Super Mediclaim vs Reassure 3.0 Elite
Super Mediclaim vs EquiCover
Super Mediclaim vs Young Star Gold
Super Mediclaim vs Enhance Super Top-up One
Super Mediclaim vs Joy Tomorrow
Super Mediclaim vs Activ One VIP+
Super Mediclaim vs Reassure 3.0 Select
Super Mediclaim vs Red Carpet Senior Citizens
Super Mediclaim vs Medicare Premier
Super Mediclaim vs Family Health Optima
Super Mediclaim vs Health Companion Variant 2022
Super Mediclaim vs Health Companion Variant 3
Super Mediclaim vs Plus Youth
Super Mediclaim vs Assure
Super Mediclaim vs Health Premia Gold
Super Mediclaim vs Health Premia Platinum
Super Mediclaim vs Cancer Care Platinum
Super Mediclaim vs Optima Lite
Super Mediclaim vs ProHealth Prime Protect
Super Mediclaim vs Comprehensive
Super Mediclaim vs HeartBeat Enhanced
Super Mediclaim vs Reassure
Super Mediclaim vs Supreme Senior Premium
Super Mediclaim vs Health Recharge Super Top Up Plan
Super Mediclaim vs Reassure 3.0
Super Mediclaim vs myHealth Suraksha Platinum
Super Mediclaim vs Supreme Value for Money
Super Mediclaim vs Supreme Senior Super
Super Mediclaim vs Supreme Enhance
Super Mediclaim vs Reassure 2.0 Gold
Super Mediclaim vs Medicare
Super Mediclaim vs Ultimate (Direct)
Super Mediclaim vs Young Star
Super Mediclaim vs Sarvah Param
Super Mediclaim vs Optima Insurance
Super Mediclaim vs Smart Super Health Assure
Super Mediclaim vs Reassure 3.0 Black
Super Mediclaim vs Health Guard Platinum
Super Mediclaim vs Health Guard Gold
Super Mediclaim vs Elevate (Direct)
Super Mediclaim vs Extra Care Plus Super Top-up
Super Mediclaim vs Health Care Supreme Smart
Super Mediclaim vs Smart Health Pro
Super Mediclaim vs Medi Classic Gold
Super Mediclaim vs Optima Super Secure
Super Mediclaim vs Special Care
Super Mediclaim vs Medicare LITE
Super Mediclaim vs Health Shield 360
Super Mediclaim vs SecureHealth
Super Mediclaim vs Supreme (Direct)
Super Mediclaim vs Plus
Super Mediclaim vs Mediclaim Insurance Policy
Super Mediclaim vs Medicare Select
Super Mediclaim vs Health Gain
Super Mediclaim vs myHealth Koti Suraksha
Super Mediclaim vs Senior
Super Mediclaim vs myHealth Suraksha Silver
Super Mediclaim vs Cardiac Care Platinum
Super Mediclaim vs Royal Sundaram Lifeline Elite
Super Mediclaim vs Super Surplus Gold
Super Mediclaim vs Supreme Enhance One
Super Mediclaim vs Supreme Enhance Two
Super Mediclaim vs HeartBeat Platinum
Super Mediclaim vs HeartBeat Gold
Super Mediclaim vs Health SuperCharge
Super Mediclaim vs Aspire Titanium+
Super Mediclaim vs iHealth Plus
Super Mediclaim vs ProHealth Prime Advantage
Super Mediclaim vs Active Fit Preferred
Super Mediclaim vs Reassure 3.0 Classic
Super Mediclaim vs Senior Health Advantage
Super Mediclaim vs Health Wallet
Super Mediclaim vs Elevate
Super Mediclaim vs Heart
Super Mediclaim vs LifeTime Health
Super Mediclaim vs Reassure 2.0 Titanium+
Super Mediclaim vs ProHealth Prime Active
Super Mediclaim vs ProHealth Prime Senior Elite
Super Mediclaim vs Advanced Top Up
Super Mediclaim vs Multiplier Health
Super Mediclaim vs Diabetes Safe Plan A
Super Mediclaim vs Reassure 2.0 Bronze+
Super Mediclaim vs Enhance Super Top-up
Super Mediclaim vs Young Star Silver
Super Mediclaim vs Star Women Care Policy
Super Mediclaim vs Joy
Super Mediclaim vs Supreme Senior Health AdvantEdge
Super Mediclaim vs Family Plus
Super Mediclaim vs Criti Shield Plus
Super Mediclaim vs Health Care Supreme Ultimo
Super Mediclaim vs Health Shield 360 Retail
Super Mediclaim vs Super Star
Super Mediclaim vs Supreme Super Saver
Super Mediclaim vs Senior First Platinum
Super Mediclaim vs Optima Secure Global
Super Mediclaim vs NextGen
Super Mediclaim vs Health Insurance Platinum
Super Mediclaim vs Energy Silver With Copay
Optima Secure Plus vs Optima Secure
Optima Secure Plus vs Super Mediclaim
Optima Secure Plus vs Health Recharge
Optima Secure Plus vs Cancer Cover Activ Cancer Secure Plan
Optima Secure Plus vs Women Care
Optima Secure Plus vs Aspire Diamond+
Optima Secure Plus vs Activate Booster Plan A
Optima Secure Plus vs Active Care Premier
Optima Secure Plus vs ProHealth Accumulate
Optima Secure Plus vs Health Super Saver Standard
Optima Secure Plus vs Supreme Shine
Optima Secure Plus vs Optima Secure Global Plus
Optima Secure Plus vs Health Cardiac Care Silver & Gold Plan
Optima Secure Plus vs myHealth Suraksha Gold
Optima Secure Plus vs LifeTime Health Global
Optima Secure Plus vs Active Fit Plus
Optima Secure Plus vs OneHealth Premium
Optima Secure Plus vs Activ Health Platinum Essential
Optima Secure Plus vs Medicare Plus
Optima Secure Plus vs Medicare Senior
Optima Secure Plus vs Enhance Super Top-up Two
Optima Secure Plus vs Medicare Protect
Optima Secure Plus vs Activ One SAVR
Optima Secure Plus vs Active Assure Diamond
Optima Secure Plus vs Activ One VIP
Optima Secure Plus vs Health Pulse Classic
Optima Secure Plus vs Advantage
Optima Secure Plus vs Special Care Gold
Optima Secure Plus vs Activ One Max
Optima Secure Plus vs Classic
Optima Secure Plus vs Activ One Vytl
Optima Secure Plus vs Supreme
Optima Secure Plus vs Freedom
Optima Secure Plus vs Sarvah Pratham
Optima Secure Plus vs Joy Today
Optima Secure Plus vs Medi Classic
Optima Secure Plus vs Activate Booster Plan B
Optima Secure Plus vs Aspire Gold+
Optima Secure Plus vs Aspire Platinum+
Optima Secure Plus vs Plus Complete
Optima Secure Plus vs Reassure 2.0 Platinum+
Optima Secure Plus vs Elder Care
Optima Secure Plus vs Reassure 3.0 Elite
Optima Secure Plus vs EquiCover
Optima Secure Plus vs Young Star Gold
Optima Secure Plus vs Enhance Super Top-up One
Optima Secure Plus vs Joy Tomorrow
Optima Secure Plus vs Activ One VIP+
Optima Secure Plus vs Reassure 3.0 Select
Optima Secure Plus vs Red Carpet Senior Citizens
Optima Secure Plus vs Medicare Premier
Optima Secure Plus vs Family Health Optima
Optima Secure Plus vs Health Companion Variant 2022
Optima Secure Plus vs Health Companion Variant 3
Optima Secure Plus vs Plus Youth
Optima Secure Plus vs Assure
Optima Secure Plus vs Health Premia Gold
Optima Secure Plus vs Health Premia Platinum
Optima Secure Plus vs Cancer Care Platinum
Optima Secure Plus vs Optima Lite
Optima Secure Plus vs ProHealth Prime Protect
Optima Secure Plus vs Comprehensive
Optima Secure Plus vs HeartBeat Enhanced
Optima Secure Plus vs Reassure
Optima Secure Plus vs Supreme Senior Premium
Optima Secure Plus vs Health Recharge Super Top Up Plan
Optima Secure Plus vs Reassure 3.0
Optima Secure Plus vs myHealth Suraksha Platinum
Optima Secure Plus vs Supreme Value for Money
Optima Secure Plus vs Supreme Senior Super
Optima Secure Plus vs Supreme Enhance
Optima Secure Plus vs Reassure 2.0 Gold
Optima Secure Plus vs Medicare
Optima Secure Plus vs Ultimate (Direct)
Optima Secure Plus vs Young Star
Optima Secure Plus vs Sarvah Param
Optima Secure Plus vs Optima Insurance
Optima Secure Plus vs Smart Super Health Assure
Optima Secure Plus vs Reassure 3.0 Black
Optima Secure Plus vs Health Guard Platinum
Optima Secure Plus vs Health Guard Gold
Optima Secure Plus vs Elevate (Direct)
Optima Secure Plus vs Extra Care Plus Super Top-up
Optima Secure Plus vs Health Care Supreme Smart
Optima Secure Plus vs Smart Health Pro
Optima Secure Plus vs Medi Classic Gold
Optima Secure Plus vs Optima Super Secure
Optima Secure Plus vs Special Care
Optima Secure Plus vs Medicare LITE
Optima Secure Plus vs Health Shield 360
Optima Secure Plus vs SecureHealth
Optima Secure Plus vs Supreme (Direct)
Optima Secure Plus vs Plus
Optima Secure Plus vs Mediclaim Insurance Policy
Optima Secure Plus vs Medicare Select
Optima Secure Plus vs Health Gain
Optima Secure Plus vs myHealth Koti Suraksha
Optima Secure Plus vs Senior
Optima Secure Plus vs myHealth Suraksha Silver
Optima Secure Plus vs Cardiac Care Platinum
Optima Secure Plus vs Royal Sundaram Lifeline Elite
Optima Secure Plus vs Super Surplus Gold
Optima Secure Plus vs Supreme Enhance One
Optima Secure Plus vs Supreme Enhance Two
Optima Secure Plus vs HeartBeat Platinum
Optima Secure Plus vs HeartBeat Gold
Optima Secure Plus vs Health SuperCharge
Optima Secure Plus vs Aspire Titanium+
Optima Secure Plus vs iHealth Plus
Optima Secure Plus vs ProHealth Prime Advantage
Optima Secure Plus vs Active Fit Preferred
Optima Secure Plus vs Reassure 3.0 Classic
Optima Secure Plus vs Senior Health Advantage
Optima Secure Plus vs Health Wallet
Optima Secure Plus vs Elevate
Optima Secure Plus vs Heart
Optima Secure Plus vs LifeTime Health
Optima Secure Plus vs Reassure 2.0 Titanium+
Optima Secure Plus vs ProHealth Prime Active
Optima Secure Plus vs ProHealth Prime Senior Elite
Optima Secure Plus vs Advanced Top Up
Optima Secure Plus vs Multiplier Health
Optima Secure Plus vs Diabetes Safe Plan A
Optima Secure Plus vs Reassure 2.0 Bronze+
Optima Secure Plus vs Enhance Super Top-up
Optima Secure Plus vs Young Star Silver
Optima Secure Plus vs Star Women Care Policy
Optima Secure Plus vs Joy
Optima Secure Plus vs Supreme Senior Health AdvantEdge
Optima Secure Plus vs Family Plus
Optima Secure Plus vs Criti Shield Plus
Optima Secure Plus vs Health Care Supreme Ultimo
Optima Secure Plus vs Health Shield 360 Retail
Optima Secure Plus vs Super Star
Optima Secure Plus vs Supreme Super Saver
Optima Secure Plus vs Senior First Platinum
Optima Secure Plus vs Optima Secure Global
Optima Secure Plus vs NextGen
Optima Secure Plus vs Health Insurance Platinum
Optima Secure Plus vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

