Insurance Plans Comparison
Care Enhance Super Top-up vs HDFC ERGO Optima Secure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreEnhance Super Top-up
Additional health insurance protection beyond your deductible for major hospitalisation expenses.
What Makes It Special:
Care Enhance is a super top-up health insurance plan from Care Health Insurance that adds financial protection after eligible medical expenses cross the selected annual deductible. Enhance 1 offers cover up to ₹30 lakh, while Enhance 2 provides specified combinations up to ₹55 lakh. The plan covers eligible inpatient hospitalisation, daycare...
Best For:
Customers wanting flexible coverage levels: Applicants comparing the different sum-insured and deductible combinations available under Enhance 1 and Enhance 2.
People comfortable with a deductible: Customers who have sufficient base insurance or savings to handle expenses up to the selected threshold.
Customers planning for major hospital bills: Individuals concerned about costly inpatient treatment, ICU care and eligible daycare procedures.
Families seeking higher overall protection: Households that want to supplement an existing policy with a larger potential pool of hospitalisation cover.
People with existing health insurance: Customers who want an additional layer of financial protection once eligible annual medical expenses cross a chosen deductible.
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
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
Compare the actual policy version, not just the headline sum insured. Review hospitalisation benefits, pre- and post-hospitalisation periods, exclusions and any benefits you expect to use before choosing the plan.
Check room eligibility and co-payment. Compare the room categories under Enhance 1 and Enhance 2 and assess the financial impact of the 20% co-payment where the entry-age condition applies.
Review waiting periods before buying. The initial waiting period, specified-illness waiting period and pre-existing disease waiting period can affect when coverage becomes available.
Understand how annual expenses are counted. A super top-up generally considers eligible medical expenses accumulated during the policy year, subject to its deductible provisions. Check how multiple claims and expenses are assessed.
Match the deductible to your existing cover. Check whether your base policy's sum insured is sufficient to meet the deductible. If it is lower, you may need to fund the gap yourself.
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
Enhance Super Top-up Health Insurance Plan VS VS |
![]() Optima Secure Health Insurance Plan |
| Room Rent |
|---|
Enhance Super Top-up Single private AC room eligibility, with room-category conditions varying by Enhance option. Check the schedule for the selected option before admission to avoid room-related deductions. |
VS VS |
Optima Secure All room categories are covered |
| ICU Charges |
|---|
Enhance Super Top-up ICU expenses are covered up to the sum insured, with no separate ICU sub-limit listed on the insurer's product page. |
VS VS |
Optima Secure No restriction on ICU room rent |
| Co-payment |
|---|
Enhance Super Top-up A 20% co-payment applies if the policy is purchased at age 61 or above. The insured member bears 20% of the admissible claim amount, with the balance payable subject to the policy terms. |
VS VS |
Optima Secure Not available |
| Disease-wise sublimits |
|---|
Enhance Super Top-up The plan is presented as having no disease-wise sub-limits for covered hospitalisation benefits. Claims remain subject to the deductible, sum insured, exclusions, admissibility rules and other policy conditions. |
VS VS |
Optima Secure No |
| Cashless Healthcare Providers |
|---|
Enhance Super Top-up Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and policy terms. The insurer currently advertises a network of over 22,100 cashless healthcare providers; availability can change. |
VS VS |
Optima Secure 16000+ Healthcare Providers |
| Restoration Benefit |
|---|
Enhance Super Top-up Unlimited automatic recharge is listed on the insurer's current product page. The sum insured can be recharged by an amount equal to the selected sum insured, multiple times in a policy year, subject to policy conditions. |
VS VS |
Optima Secure Yes, your sum insured restores to 100% once every policy year |
| Cumulative Bonus |
|---|
Enhance Super Top-up The sum insured increases by 50% of the base sum insured for each policy year, up to a maximum increase of 100%. Accrued bonus is not reduced on renewal because of a claim, subject to policy terms. |
VS VS |
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
| Daycare Treatment |
|---|
Enhance Super Top-up Covers eligible daycare procedures that do not require a 24-hour hospital stay, subject to the policy terms and applicable procedure conditions. |
VS VS |
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Enhance Super Top-up Inpatient AYUSH treatment is covered up to the sum insured when hospitalisation takes place in an AYUSH-certified clinic, subject to policy terms. |
VS VS |
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Enhance Super Top-up Routine non-medical consumables are not listed as a separate standard benefit. Check the policy's admissible-expense rules before assuming consumables such as gloves, masks or other non-medical items will be reimbursed. |
VS VS |
Optima Secure Yes |
| Initial Waiting Period |
|---|
Enhance Super Top-up 30 days for illnesses from the policy start date, except injuries, subject to the policy terms. |
VS VS |
Optima Secure 30 days |
| Specific Waiting Period |
|---|
Enhance Super Top-up 24 months for specified illnesses and procedures, subject to the applicable list and policy conditions. |
VS VS |
Optima Secure 2 years |
| PED Waiting Period |
|---|
Enhance Super Top-up 36 months of continuous coverage for pre-existing diseases, subject to policy terms and underwriting. |
VS VS |
Optima Secure 3 years |
| Modern Treatment |
|---|
Enhance Super Top-up Covers eligible advanced technology treatments, subject to the policy's specified treatment list, medical necessity and applicable terms. Covered expenses are payable up to the sum insured. |
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 |
|---|
Enhance Super Top-up Annual health check-ups are available for covered adult members regardless of previous claim history, subject to the policy terms. |
VS VS |
Optima Secure Health check-up is available after the first policy year |
| Pre-Hospitalisation |
|---|
Enhance Super Top-up Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the relationship of the expenses to the hospitalisation. |
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 |
|---|
Enhance Super Top-up Eligible medical expenses for up to 180 days after discharge are covered under the insurer's current product listing, subject to policy conditions. |
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) |
|---|
Enhance Super Top-up Routine OPD treatment is not a core hospitalisation benefit. The plan lists unlimited general-physician e-consultations and discounts on selected healthcare services. |
VS VS |
Optima Secure OPD expense is not included |
| Deductible Option |
|---|
Enhance Super Top-up A deductible applies before the super top-up pays eligible expenses. Options vary by plan variant; the deductible must be considered alongside the base health insurance and the amount the customer can pay personally. |
VS VS |
Optima Secure Available as an option |
| Coverage Options |
|---|
Enhance Super Top-up Available on an individual and family floater basis. The plan offers Enhance 1 and Enhance 2 options with different sum insured and deductible combinations. The maximum sum insured is ₹55 lakh. |
VS VS |
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
| Claim Settlement Ratio |
|---|
Enhance Super Top-up Care Health Insurance's insurer-level claim settlement ratio should be displayed using the verified financial year and published methodology adopted by OneAssure. It is not a separate benefit or guarantee of an individual claim. |
VS VS |
Optima Secure 98% |
| Maternity Cover |
|---|
Enhance Super Top-up Maternity expenses, including childbirth-related expenses, are generally excluded. The plan's healthcare-service discount programme may offer discounts on maternity services, but this is not the same as insurance coverage for maternity expenses. |
VS 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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Enhance Super Top-up vs Optima Secure
Enhance Super Top-up vs Super Mediclaim
Enhance Super Top-up vs Health Recharge
Enhance Super Top-up vs Cancer Cover Activ Cancer Secure Plan
Enhance Super Top-up vs Optima Secure Plus
Enhance Super Top-up vs Women Care
Enhance Super Top-up vs Aspire Diamond+
Enhance Super Top-up vs Activate Booster Plan A
Enhance Super Top-up vs Active Care Premier
Enhance Super Top-up vs ProHealth Accumulate
Enhance Super Top-up vs Health Super Saver Standard
Enhance Super Top-up vs Supreme Shine
Enhance Super Top-up vs Optima Secure Global Plus
Enhance Super Top-up vs Health Cardiac Care Silver & Gold Plan
Enhance Super Top-up vs myHealth Suraksha Gold
Enhance Super Top-up vs LifeTime Health Global
Enhance Super Top-up vs Active Fit Plus
Enhance Super Top-up vs OneHealth Premium
Enhance Super Top-up vs Activ Health Platinum Essential
Enhance Super Top-up vs Medicare Plus
Enhance Super Top-up vs Medicare Senior
Enhance Super Top-up vs Enhance Super Top-up Two
Enhance Super Top-up vs Medicare Protect
Enhance Super Top-up vs Activ One SAVR
Enhance Super Top-up vs Active Assure Diamond
Enhance Super Top-up vs Activ One VIP
Enhance Super Top-up vs Health Pulse Classic
Enhance Super Top-up vs Advantage
Enhance Super Top-up vs Special Care Gold
Enhance Super Top-up vs Activ One Max
Enhance Super Top-up vs Classic
Enhance Super Top-up vs Activ One Vytl
Enhance Super Top-up vs Supreme
Enhance Super Top-up vs Freedom
Enhance Super Top-up vs Sarvah Pratham
Enhance Super Top-up vs Joy Today
Enhance Super Top-up vs Medi Classic
Enhance Super Top-up vs Activate Booster Plan B
Enhance Super Top-up vs Aspire Gold+
Enhance Super Top-up vs Aspire Platinum+
Enhance Super Top-up vs Plus Complete
Enhance Super Top-up vs Reassure 2.0 Platinum+
Enhance Super Top-up vs Elder Care
Enhance Super Top-up vs Reassure 3.0 Elite
Enhance Super Top-up vs EquiCover
Enhance Super Top-up vs Young Star Gold
Enhance Super Top-up vs Enhance Super Top-up One
Enhance Super Top-up vs Joy Tomorrow
Enhance Super Top-up vs Activ One VIP+
Enhance Super Top-up vs Reassure 3.0 Select
Enhance Super Top-up vs Red Carpet Senior Citizens
Enhance Super Top-up vs Medicare Premier
Enhance Super Top-up vs Family Health Optima
Enhance Super Top-up vs Health Companion Variant 2022
Enhance Super Top-up vs Health Companion Variant 3
Enhance Super Top-up vs Plus Youth
Enhance Super Top-up vs Assure
Enhance Super Top-up vs Health Premia Gold
Enhance Super Top-up vs Health Premia Platinum
Enhance Super Top-up vs Cancer Care Platinum
Enhance Super Top-up vs Optima Lite
Enhance Super Top-up vs ProHealth Prime Protect
Enhance Super Top-up vs Comprehensive
Enhance Super Top-up vs HeartBeat Enhanced
Enhance Super Top-up vs Reassure
Enhance Super Top-up vs Supreme Senior Premium
Enhance Super Top-up vs Health Recharge Super Top Up Plan
Enhance Super Top-up vs Reassure 3.0
Enhance Super Top-up vs myHealth Suraksha Platinum
Enhance Super Top-up vs Supreme Value for Money
Enhance Super Top-up vs Supreme Senior Super
Enhance Super Top-up vs Supreme Enhance
Enhance Super Top-up vs Reassure 2.0 Gold
Enhance Super Top-up vs Medicare
Enhance Super Top-up vs Ultimate (Direct)
Enhance Super Top-up vs Young Star
Enhance Super Top-up vs Sarvah Param
Enhance Super Top-up vs Optima Insurance
Enhance Super Top-up vs Smart Super Health Assure
Enhance Super Top-up vs Reassure 3.0 Black
Enhance Super Top-up vs Health Guard Platinum
Enhance Super Top-up vs Health Guard Gold
Enhance Super Top-up vs Elevate (Direct)
Enhance Super Top-up vs Extra Care Plus Super Top-up
Enhance Super Top-up vs Health Care Supreme Smart
Enhance Super Top-up vs Smart Health Pro
Enhance Super Top-up vs Medi Classic Gold
Enhance Super Top-up vs Optima Super Secure
Enhance Super Top-up vs Special Care
Enhance Super Top-up vs Medicare LITE
Enhance Super Top-up vs Health Shield 360
Enhance Super Top-up vs SecureHealth
Enhance Super Top-up vs Supreme (Direct)
Enhance Super Top-up vs Plus
Enhance Super Top-up vs Mediclaim Insurance Policy
Enhance Super Top-up vs Medicare Select
Enhance Super Top-up vs Health Gain
Enhance Super Top-up vs myHealth Koti Suraksha
Enhance Super Top-up vs Senior
Enhance Super Top-up vs myHealth Suraksha Silver
Enhance Super Top-up vs Cardiac Care Platinum
Enhance Super Top-up vs Royal Sundaram Lifeline Elite
Enhance Super Top-up vs Super Surplus Gold
Enhance Super Top-up vs Supreme Enhance One
Enhance Super Top-up vs Supreme Enhance Two
Enhance Super Top-up vs HeartBeat Platinum
Enhance Super Top-up vs HeartBeat Gold
Enhance Super Top-up vs Health SuperCharge
Enhance Super Top-up vs Aspire Titanium+
Enhance Super Top-up vs iHealth Plus
Enhance Super Top-up vs ProHealth Prime Advantage
Enhance Super Top-up vs Active Fit Preferred
Enhance Super Top-up vs Reassure 3.0 Classic
Enhance Super Top-up vs Senior Health Advantage
Enhance Super Top-up vs Health Wallet
Enhance Super Top-up vs Elevate
Enhance Super Top-up vs Heart
Enhance Super Top-up vs LifeTime Health
Enhance Super Top-up vs Reassure 2.0 Titanium+
Enhance Super Top-up vs ProHealth Prime Active
Enhance Super Top-up vs ProHealth Prime Senior Elite
Enhance Super Top-up vs Advanced Top Up
Enhance Super Top-up vs Multiplier Health
Enhance Super Top-up vs Diabetes Safe Plan A
Enhance Super Top-up vs Reassure 2.0 Bronze+
Enhance Super Top-up vs Young Star Silver
Enhance Super Top-up vs Star Women Care Policy
Enhance Super Top-up vs Joy
Enhance Super Top-up vs Supreme Senior Health AdvantEdge
Enhance Super Top-up vs Family Plus
Enhance Super Top-up vs Criti Shield Plus
Enhance Super Top-up vs Health Care Supreme Ultimo
Enhance Super Top-up vs Health Shield 360 Retail
Enhance Super Top-up vs Super Star
Enhance Super Top-up vs Supreme Super Saver
Enhance Super Top-up vs Senior First Platinum
Enhance Super Top-up vs Optima Secure Global
Enhance Super Top-up vs NextGen
Enhance Super Top-up vs Health Insurance Platinum
Enhance Super Top-up vs Energy Silver With Copay
Optima Secure vs Super Mediclaim
Optima Secure vs Health Recharge
Optima Secure vs Cancer Cover Activ Cancer Secure Plan
Optima Secure vs Optima Secure Plus
Optima Secure vs Women Care
Optima Secure vs Aspire Diamond+
Optima Secure vs Activate Booster Plan A
Optima Secure vs Active Care Premier
Optima Secure vs ProHealth Accumulate
Optima Secure vs Health Super Saver Standard
Optima Secure vs Supreme Shine
Optima Secure vs Optima Secure Global Plus
Optima Secure vs Health Cardiac Care Silver & Gold Plan
Optima Secure vs myHealth Suraksha Gold
Optima Secure vs LifeTime Health Global
Optima Secure vs Active Fit Plus
Optima Secure vs OneHealth Premium
Optima Secure vs Activ Health Platinum Essential
Optima Secure vs Medicare Plus
Optima Secure vs Medicare Senior
Optima Secure vs Enhance Super Top-up Two
Optima Secure vs Medicare Protect
Optima Secure vs Activ One SAVR
Optima Secure vs Active Assure Diamond
Optima Secure vs Activ One VIP
Optima Secure vs Health Pulse Classic
Optima Secure vs Advantage
Optima Secure vs Special Care Gold
Optima Secure vs Activ One Max
Optima Secure vs Classic
Optima Secure vs Activ One Vytl
Optima Secure vs Supreme
Optima Secure vs Freedom
Optima Secure vs Sarvah Pratham
Optima Secure vs Joy Today
Optima Secure vs Medi Classic
Optima Secure vs Activate Booster Plan B
Optima Secure vs Aspire Gold+
Optima Secure vs Aspire Platinum+
Optima Secure vs Plus Complete
Optima Secure vs Reassure 2.0 Platinum+
Optima Secure vs Elder Care
Optima Secure vs Reassure 3.0 Elite
Optima Secure vs EquiCover
Optima Secure vs Young Star Gold
Optima Secure vs Enhance Super Top-up One
Optima Secure vs Joy Tomorrow
Optima Secure vs Activ One VIP+
Optima Secure vs Reassure 3.0 Select
Optima Secure vs Red Carpet Senior Citizens
Optima Secure vs Medicare Premier
Optima Secure vs Family Health Optima
Optima Secure vs Health Companion Variant 2022
Optima Secure vs Health Companion Variant 3
Optima Secure vs Plus Youth
Optima Secure vs Assure
Optima Secure vs Health Premia Gold
Optima Secure vs Health Premia Platinum
Optima Secure vs Cancer Care Platinum
Optima Secure vs Optima Lite
Optima Secure vs ProHealth Prime Protect
Optima Secure vs Comprehensive
Optima Secure vs HeartBeat Enhanced
Optima Secure vs Reassure
Optima Secure vs Supreme Senior Premium
Optima Secure vs Health Recharge Super Top Up Plan
Optima Secure vs Reassure 3.0
Optima Secure vs myHealth Suraksha Platinum
Optima Secure vs Supreme Value for Money
Optima Secure vs Supreme Senior Super
Optima Secure vs Supreme Enhance
Optima Secure vs Reassure 2.0 Gold
Optima Secure vs Medicare
Optima Secure vs Ultimate (Direct)
Optima Secure vs Young Star
Optima Secure vs Sarvah Param
Optima Secure vs Optima Insurance
Optima Secure vs Smart Super Health Assure
Optima Secure vs Reassure 3.0 Black
Optima Secure vs Health Guard Platinum
Optima Secure vs Health Guard Gold
Optima Secure vs Elevate (Direct)
Optima Secure vs Extra Care Plus Super Top-up
Optima Secure vs Health Care Supreme Smart
Optima Secure vs Smart Health Pro
Optima Secure vs Medi Classic Gold
Optima Secure vs Optima Super Secure
Optima Secure vs Special Care
Optima Secure vs Medicare LITE
Optima Secure vs Health Shield 360
Optima Secure vs SecureHealth
Optima Secure vs Supreme (Direct)
Optima Secure vs Plus
Optima Secure vs Mediclaim Insurance Policy
Optima Secure vs Medicare Select
Optima Secure vs Health Gain
Optima Secure vs myHealth Koti Suraksha
Optima Secure vs Senior
Optima Secure vs myHealth Suraksha Silver
Optima Secure vs Cardiac Care Platinum
Optima Secure vs Royal Sundaram Lifeline Elite
Optima Secure vs Super Surplus Gold
Optima Secure vs Supreme Enhance One
Optima Secure vs Supreme Enhance Two
Optima Secure vs HeartBeat Platinum
Optima Secure vs HeartBeat Gold
Optima Secure vs Health SuperCharge
Optima Secure vs Aspire Titanium+
Optima Secure vs iHealth Plus
Optima Secure vs ProHealth Prime Advantage
Optima Secure vs Active Fit Preferred
Optima Secure vs Reassure 3.0 Classic
Optima Secure vs Senior Health Advantage
Optima Secure vs Health Wallet
Optima Secure vs Elevate
Optima Secure vs Heart
Optima Secure vs LifeTime Health
Optima Secure vs Reassure 2.0 Titanium+
Optima Secure vs ProHealth Prime Active
Optima Secure vs ProHealth Prime Senior Elite
Optima Secure vs Advanced Top Up
Optima Secure vs Multiplier Health
Optima Secure vs Diabetes Safe Plan A
Optima Secure vs Reassure 2.0 Bronze+
Optima Secure vs Enhance Super Top-up
Optima Secure vs Young Star Silver
Optima Secure vs Star Women Care Policy
Optima Secure vs Joy
Optima Secure vs Supreme Senior Health AdvantEdge
Optima Secure vs Family Plus
Optima Secure vs Criti Shield Plus
Optima Secure vs Health Care Supreme Ultimo
Optima Secure vs Health Shield 360 Retail
Optima Secure vs Super Star
Optima Secure vs Supreme Super Saver
Optima Secure vs Senior First Platinum
Optima Secure vs Optima Secure Global
Optima Secure vs NextGen
Optima Secure vs Health Insurance Platinum
Optima Secure vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

