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Insurance Plans Comparison

Care Supreme Enhance vs HDFC ERGO Optima Secure

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

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Care

Supreme Enhance

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

What Makes It Special:

Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...

Best For:

  • Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.

  • Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.

  • Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.

  • Families looking to supplement their current health insurance with a higher overall coverage limit.

  • Individuals seeking additional medical expense protection beyond an existing health insurance policy.

VS
HDFC ERGO

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

Care Supreme Enhance

  • Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.

  • Check room eligibility, exclusions and whether optional benefits are worth the additional premium.

  • Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.

  • Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.

  • Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.

HDFC ERGO Optima Secure

  • 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

Supreme Enhance
Supreme Enhance

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure
Optima Secure

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Enhance

Eligible room rent is covered up to the most economical single private room category, subject to policy terms.

VS

Optima Secure

All room categories are covered

ICU Charges

Supreme Enhance

No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible.

VS

Optima Secure

No restriction on ICU room rent

Co-payment

Supreme Enhance

No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions.

VS

Optima Secure

Not available

Disease-wise sublimits

Supreme Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

VS

Optima Secure

No

Cashless Healthcare Providers

Supreme Enhance

The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change.

VS

Optima Secure

16000+ Healthcare Providers

Restoration Benefit

Supreme Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

VS

Optima Secure

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

Cumulative Bonus

Supreme Enhance

Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims.

VS

Optima Secure

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

Daycare Treatment

Supreme Enhance

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

VS

Optima Secure

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

Consumable Cover

Supreme Enhance

No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions.

VS

Optima Secure

Yes

AYUSH Treatment

Supreme Enhance

Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions.

VS

Optima Secure

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

Initial Waiting Period

Supreme Enhance

30 days for illnesses; accidental claims are exempt from the initial waiting period.

VS

Optima Secure

30 days

Specific Waiting Period

Supreme Enhance

24 months for specified illnesses and procedures, subject to the applicable policy terms.

VS

Optima Secure

2 years

PED Waiting Period

Supreme Enhance

36 months for pre-existing diseases, subject to applicable policy terms.

VS

Optima Secure

3 years

Modern Treatment

Supreme Enhance

Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms.

VS

Optima Secure

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

Annual Health Checkup

Supreme Enhance

No separate standard annual health check-up benefit is established,

VS

Optima Secure

Health check-up is available after the first policy year

Pre-Hospitalisation

Supreme Enhance

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

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

Supreme Enhance

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

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)

Supreme Enhance

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

VS

Optima Secure

OPD expense is not included

Deductible Option

Supreme Enhance

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

VS

Optima Secure

Available as an option

Coverage Options

Supreme Enhance

Individual and family floater options are available for eligible family members.

VS

Optima Secure

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

Claim Settlement Ratio

Supreme Enhance

Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio.

VS

Optima Secure

98%

Maternity Cover

Supreme Enhance

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

VS

Optima Secure

Not in base plan; available as paid 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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

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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