HDFC Ergo Optima Secure vs Care Insurance Enhance 1

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

Available coverage options: 20L to 1cr

95%

87.10%

All room categories are covered

Normal:  No limit on room rent.

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

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

Not available

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

15000+ Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

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

.

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

.

No restriction on ICU room rent

No restriction on ICU room rent

No

No

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

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

Your sum insured increases by 10% every year, maximum up to 100%

Yes

Yes

30 days

30 days

2 years

2 years

3 years

3 years

Health check-up is available after the first policy year

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available as an option

Available

No. However, available as an add-on

Not available

Robotic surgery

.