How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Arogya Sanjeevani Vs Optima Lite

Insurance Plans Comparison

Digit Arogya Sanjeevani vs HDFC ERGO Optima Lite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Arogya 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 Lite

Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.

What Makes It Special:

HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...

Best For:

Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.
Customers looking to manage premiums through an optional aggregate deductible.
Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.
Families considering individual or family floater coverage under one policy.
Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.

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.

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Quick Decision Guide

Digit Arogya Sanjeevani

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.

HDFC ERGO Optima Lite

Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.
Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.
Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.
Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.
Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.	Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.	Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy

Advanced Treatments

Arogya Sanjeevani

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.

Optima Lite

Robotic Surgeries

Oral Chemotherapy

Deep Brain Stimulation

Balloon Sinuplasty

Bronchial Thermoplasty

Stereotactic Radio Surgeries

Intra Vitreal Injections

Immunotherapy

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Stem Cell Therapy

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.	Optima Lite Up to 2% of base sum insured per day.

Co-payment
Arogya Sanjeevani 5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount.	Optima Lite Not mentioned

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.	Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.

Cashless Healthcare Providers
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.	Optima Lite 16,000+ Cashless Healthcare Providers

Restoration Benefit
Arogya Sanjeevani Kindly refer to the policy wording.	Optima Lite Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

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.	Optima Lite Covered up to Sum Insured

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.	Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.

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.	Optima Lite Covered up to Sum Insured

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for accidents	Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.

Specific Waiting Period
Arogya Sanjeevani Kindly refer to the policy wording.	Optima Lite 2 years for specified illnesses and procedures.

PED Waiting Period
Arogya Sanjeevani Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.	Optima Lite Not verified; confirm against the applicable policy wording.

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.	Optima Lite Information Unavailable

Annual Health Checkup
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.	Optima Lite Available annually after the first policy year; limit depends on policy type.

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.	Optima Lite 30 days for eligible expenses.

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.	Optima Lite 60 days for eligible expenses.

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)	Optima Lite Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

Deductible Option
Arogya Sanjeevani kindly refer to the policy wording.	Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

Coverage Options
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range	Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

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).	Optima Lite Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

Maternity Cover
Arogya Sanjeevani Not covered. Maternity expenses are excluded.	Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani

Health Insurance Plan

Brochure

Policy Wording

VS

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Arogya Sanjeevani Normal: Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day.
VS VS
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day

Advanced Treatments
Arogya Sanjeevani Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS VS
Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy

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 Lite Up to 2% of base sum insured per day.

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 Lite Not mentioned

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 Lite Not verified for all listed treatments; refer to the applicable policy wording.

Cashless Healthcare Providers
Arogya Sanjeevani Access to over 16,400 cashless network hospitals across India.
VS VS
Optima Lite 16,000+ Cashless Healthcare Providers

Restoration Benefit
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Optima Lite Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

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 Lite Covered up to Sum Insured

Cumulative Bonus
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.

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 Lite Covered up to Sum Insured

Consumable Cover
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
VS VS
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.

Initial Waiting Period
Arogya Sanjeevani 30 days from inception, except for accidents
VS VS
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.

Specific Waiting Period
Arogya Sanjeevani Kindly refer to the policy wording.
VS VS
Optima Lite 2 years for specified illnesses and procedures.

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 Lite Not verified; confirm against the applicable policy wording.

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 Lite Information Unavailable

Annual Health Checkup
Arogya Sanjeevani Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.
VS VS
Optima Lite Available annually after the first policy year; limit depends on policy type.

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 Lite 30 days for eligible expenses.

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 Lite 60 days for eligible expenses.

Outpatient Department Cover (OPD Expense)
Arogya Sanjeevani Not covered (not listed in the standard product’s benefits)
VS VS
Optima Lite Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

Deductible Option
Arogya Sanjeevani kindly refer to the policy wording.
VS VS
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

Coverage Options
Arogya Sanjeevani Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range
VS VS
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

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 Lite Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

Maternity Cover
Arogya Sanjeevani Not covered. Maternity expenses are excluded.
VS VS
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.

Insurance Plans Comparison

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Secure against age-related medical costs
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One policy covers the entire family
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Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

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