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Insurance Plans Comparison

Future Generali Health Super Saver Standard vs HDFC ERGO Optima Secure Plus

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

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Future Generali

Health Super Saver Standard

Comprehensive Health Shield with 80% Super Saver Renewal Discount

What Makes It Special:

Future Generali Health Super Saver Standard offers robust hospitalization coverage while rewarding claim-free years with up to an 80% renewal premium discount. The policy provides extensive protection including inbuilt maternity benefits, home healthcare, AYUSH treatments, extended pre-and post-hospitalization coverage, day care procedures, and access to an extensive nationwide cashless hospital...

Best For:

  • Buyers seeking flexible sum insured options ranging from ₹3 Lakhs to ₹50 Lakhs.

  • Patients requiring home healthcare services for ongoing medical treatment or post-surgical care.

  • Buyers wanting comprehensive coverage for alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy.

  • Policyholders seeking inbuilt maternity coverage for delivery, pre-natal, and post-natal care.

  • Families and individuals looking to save up to 80% on renewal premiums by remaining claim-free.

VS
HDFC ERGO

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

Future Generali Health Super Saver Standard

  • Ensure Future Generali’s 8,400+ cashless network hospitals include convenient facilities in your location.

  • Keep in mind the 24-month waiting period for pre-existing diseases and specified medical procedures.

  • Verify room rent and specific procedure sub-limits based on your selected base plan option.

  • Ideal if you require integrated maternity benefits after a 9-month waiting period.

  • Choose this plan if you want substantial long-term savings through an 80% discount on claim-free renewal years.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Super Saver Standard
Health Super Saver Standard

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Super Saver Standard

Room, board, and nursing expenses covered up to single private room eligibility limits.

VS

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

ICU Charges

Health Super Saver Standard

Fully covered as part of medically necessary hospitalisation with no specific daily capping.

VS

Optima Secure Plus

No restriction on ICU room rent.

Advanced Treatments

Health Super Saver Standard

Information Unavailable

VS

Optima Secure Plus

Covered all Advanced/Modern treatments

Co-payment

Health Super Saver Standard

No mandatory co-payment percentage applied across entry age groups under base terms.

VS

Optima Secure Plus

No Mandatory Co-payment

Disease-wise sublimits

Health Super Saver Standard

Applicable sub-limits for maternity, cataract, mental illness, modern treatments, and optional procedures.

VS

Optima Secure Plus

No

Cashless Healthcare Providers

Health Super Saver Standard

Cashless facility accessible across Future Generali’s empanelled nationwide network hospital list.

VS

Optima Secure Plus

16000+ Healthcare Providers

Restoration Benefit

Health Super Saver Standard

Sum insured restore options are subject to base policy terms and plan variant selection.

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

Health Super Saver Standard

Replaced by Super Saver Discount offering an 80% renewal premium discount for claim-free tenures.

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

Health Super Saver Standard

Over 400 specified medical and surgical procedures requiring less than 24 hours hospitalisation covered.dis

VS

Optima Secure Plus

Covered up to Sum Insured

Consumable Cover

Health Super Saver Standard

Non-medical consumable items specified in policy exclusions are not covered under base policy.

VS

Optima Secure Plus

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

AYUSH Treatment

Health Super Saver Standard

Inpatient hospitalisation covered under Ayurveda, Unani, Siddha, or Homeopathy in recognized government institutes.

VS

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

Initial Waiting Period

Health Super Saver Standard

30 days initial waiting period applies for all illnesses except accidental injuries.

VS

Optima Secure Plus

30 Days


Specific Waiting Period

Health Super Saver Standard

24 months for specified conditions; 48 months for joint replacements due to degenerative conditions.

VS

Optima Secure Plus

2 years

PED Waiting Period

Health Super Saver Standard

24 months waiting period for pre-existing diseases and their direct medical complications.

VS

Optima Secure Plus

3 years

Modern Treatment

Health Super Saver Standard

Restricted to 50% of the Sum Insured per policy period for listed modern procedures.

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

Health Super Saver Standard

Available annually for insured members as per eligible benefit structure and plan options.

VS

Optima Secure Plus

Health check-up is available after the first policy year

Pre-Hospitalisation

Health Super Saver Standard

Medical expenses covered up to 60 days immediately prior to hospital admission.

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

Health Super Saver Standard

Medical expenses covered up to 90 days immediately following hospital discharge date.

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)

Health Super Saver Standard

Outpatient medical and diagnostic procedures are excluded under standard inpatient base coverage.

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

Health Super Saver Standard

Voluntary deductible options are not part of the standard policy base structure.

VS

Optima Secure Plus

Available as an option.

Coverage Options

Health Super Saver Standard

Available under both Individual and Family Floater sum insured policy options.

VS

Optima Secure Plus

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

Claim Settlement Ratio

Health Super Saver Standard

Supported by Future Generali India Insurance's established claim processing performance track record.

VS

Optima Secure Plus

Information Unavailable

Maternity Cover

Health Super Saver Standard

Covered after a 9-month waiting period, subject to sub-limits based on plan options.

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?

End-to-End Support

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

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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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