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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs Care Supreme (Direct)

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

VS
Care

Supreme (Direct)

Care Supreme (Direct)

What Makes It Special:

Supreme (Direct) focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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

HDFC ERGO Optima Secure Plus

  • 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

Care Supreme (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

ICU Charges

Optima Secure Plus

No restriction on ICU room rent.

VS

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Supreme (Direct)

Information Unavailable

Disease-wise sublimits

Optima Secure Plus

No

VS

Supreme (Direct)

No disease-wise sub-limits.

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

Restoration Benefit

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.

VS

Supreme (Direct)

Unlimited restoration benefit available.

Cashless Healthcare Providers

Optima Secure Plus

16000+ Healthcare Providers

VS

Supreme (Direct)

5,000+ network hospitals across India.

Cumulative Bonus

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).

VS

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

AYUSH Treatment

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

VS

Supreme (Direct)

Covered on cashless basis at network facilities.

Consumable Cover

Optima Secure Plus

Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

VS

Supreme (Direct)

Included as part of hospitalisation expenses.

Initial Waiting Period

Optima Secure Plus

30 Days


VS

Supreme (Direct)

30 days (except accidents).

Specific Waiting Period

Optima Secure Plus

2 years

VS

Supreme (Direct)

2 years for specified ailments.

PED Waiting Period

Optima Secure Plus

3 years

VS

Supreme (Direct)

3 years for pre-existing diseases.

Modern Treatment

Optima Secure Plus

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

VS

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

Annual Health Checkup

Optima Secure Plus

Health check-up is available after the first policy year

VS

Supreme (Direct)

Available on cashless basis.

Pre-Hospitalisation

Optima Secure Plus

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

VS

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

Post-Hospitalisation

Optima Secure Plus

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

VS

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

VS

Supreme (Direct)

Not available in base plan, present as an add on.

Deductible Option

Optima Secure Plus

Available as an option.

VS

Supreme (Direct)

Optional feature available.

Coverage Options

Optima Secure Plus

Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

VS

Supreme (Direct)

Multiple SI options available (varies by plan).

Claim Settlement Ratio

Optima Secure Plus

Information Unavailable

VS

Supreme (Direct)

80%

Maternity Cover

Optima Secure Plus

No. However, available as an add-on

VS

Supreme (Direct)

Availability to be confirmed from policy document.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

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Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

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