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Insurance Plans Comparison

ICICI Lombard Health Elite Plus vs HDFC ERGO Optima Secure

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

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ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

VS
HDFC ERGO

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

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

HDFC ERGO Optima Secure

  • 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

Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure
Optima Secure

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
VS

Optima Secure

All room categories are covered

Advanced Treatments

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
VS

Optima Secure

Information Unavailable

ICU Charges

Health Elite Plus

Not verified for the exact current variant configuration.

VS

Optima Secure

No restriction on ICU room rent

Co-payment

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

VS

Optima Secure

Not available

Disease-wise sublimits

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

VS

Optima Secure

No

Cashless Healthcare Providers

Health Elite Plus

10,000+ Cashless Healthcare Providers

VS

Optima Secure

16000+ Healthcare Providers

Restoration Benefit

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

VS

Optima Secure

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

Daycare Treatment

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

VS

Optima Secure

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

Cumulative Bonus

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

VS

Optima Secure

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

AYUSH Treatment

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

VS

Optima Secure

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

Consumable Cover

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

VS

Optima Secure

Yes

Initial Waiting Period

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

VS

Optima Secure

30 days

Specific Waiting Period

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

VS

Optima Secure

2 years

PED Waiting Period

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

VS

Optima Secure

3 years

Modern Treatment

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

VS

Optima Secure

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

Annual Health Checkup

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

VS

Optima Secure

Health check-up is available after the first policy year

Pre-Hospitalisation

Health Elite Plus

60 days


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

Health Elite Plus

180 days.

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)

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

VS

Optima Secure

OPD expense is not included

Deductible Option

Health Elite Plus

No deductible option.

VS

Optima Secure

Available as an option

Coverage Options

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

VS

Optima Secure

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

Claim Settlement Ratio

Health Elite Plus

Information Unavailable

VS

Optima Secure

98%

Maternity Cover

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

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?

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.

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