Insurance Plans Comparison
Digit Arogya Sanjeevani vs HDFC ERGO Optima Secure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreArogya Sanjeevani
Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.
What Makes It Special:
Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...
Best For:
Buyers who want AYUSH and modern treatment cover
Buyers who do not need maternity or OPD cover
Families who want a floater with parents and children under one policy
Buyers who want basic in-patient cover at an affordable premium
First-time health insurance buyers
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
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Quick Decision Guide
Call 1860-500-8888 to confirm room rent limits and the current network before buying.
Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.
The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.
A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.
Maternity is excluded, so choose another plan if you need it.
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
![]() Arogya Sanjeevani Health Insurance Plan VS VS |
![]() Optima Secure Health Insurance Plan |
| Room Rent |
|---|
Arogya Sanjeevani
|
VS VS |
Optima Secure All room categories are covered |
| Advanced Treatments |
|---|
Arogya Sanjeevani
|
VS VS |
Optima Secure Information Unavailable |
| ICU Charges |
|---|
Arogya Sanjeevani Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888. |
VS VS |
Optima Secure No restriction on ICU room rent |
| Co-payment |
|---|
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount. |
VS VS |
Optima Secure Not available |
| Disease-wise sublimits |
|---|
Arogya Sanjeevani A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888. |
VS VS |
Optima Secure No |
| Cashless Healthcare Providers |
|---|
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India. |
VS VS |
Optima Secure 16000+ Healthcare Providers |
| Restoration Benefit |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Optima Secure Yes, your sum insured restores to 100% once every policy year |
| Daycare Treatment |
|---|
Arogya Sanjeevani Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital. |
VS VS |
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
| AYUSH Treatment |
|---|
Arogya Sanjeevani Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital. |
VS VS |
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Optima Secure Yes |
| Initial Waiting Period |
|---|
Arogya Sanjeevani 30 days from inception, except for accidents |
VS VS |
Optima Secure 30 days |
| Specific Waiting Period |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. |
VS VS |
Optima Secure 2 years |
| PED Waiting Period |
|---|
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888. |
VS VS |
Optima Secure 3 years |
| Modern Treatment |
|---|
Arogya Sanjeevani Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule. |
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 |
|---|
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888. |
VS VS |
Optima Secure Health check-up is available after the first policy year |
| Pre-Hospitalisation |
|---|
Arogya Sanjeevani Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
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 |
|---|
Arogya Sanjeevani Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888. |
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) |
|---|
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits) |
VS VS |
Optima Secure OPD expense is not included |
| Deductible Option |
|---|
Arogya Sanjeevani kindly refer to the policy wording. |
VS VS |
Optima Secure Available as an option |
| Coverage Options |
|---|
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range |
VS VS |
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Arogya Sanjeevani Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Optima Secure 98% |
| Maternity Cover |
|---|
Arogya Sanjeevani Not covered. Maternity expenses are excluded. |
VS VS |
Optima Secure Not in base plan; available as paid add-on. |
Insurance Plans Comparison
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