Oneassure

Partner with us

Insurance Plans Comparison

HDFC ERGO Optima Secure vs Royal Sundaram Advanced Top Up

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

Read more
HDFC ERGO

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

VS
Royal Sundaram

Advanced Top Up

Advanced Top Up

What Makes It Special:

Advanced Top Up focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

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

Royal Sundaram Advanced Top Up

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure
Optima Secure

Health Insurance Plan

Brochure

Policy Wording

VS
Advanced Top Up
Advanced Top Up

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure

All room categories are covered

VS

Advanced Top Up

Covered up to Sum Insured

Covered up to Sum Insured

ICU Charges

Optima Secure

No restriction on ICU room rent

VS

Advanced Top Up

Information Unavailable

Advanced Treatments

Optima Secure

Information Unavailable

VS

Advanced Top Up

Covered up to Sum Insured

Co-payment

Optima Secure

Not available

VS

Advanced Top Up

Not mentioned

Disease-wise sublimits

Optima Secure

No

VS

Advanced Top Up

Information Unavailable

Waiting Period

Optima Secure

Information Unavailable

VS

Advanced Top Up

30 Days

36 Months

24 Months

Restoration Benefit

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

Cashless Healthcare Providers

Optima Secure

16000+ Healthcare Providers

VS

Advanced Top Up

Not mentioned

Daycare Treatment

Optima Secure

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

VS

Advanced Top Up

Covered up to Sum Insured

Cumulative Bonus

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

AYUSH Treatment

Optima Secure

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

VS

Advanced Top Up

Covered up to Sum Insured

Consumable Cover

Optima Secure

Yes

VS

Advanced Top Up

Information Unavailable

Initial Waiting Period

Optima Secure

30 days

VS

Advanced Top Up

Information Unavailable

Specific Waiting Period

Optima Secure

2 years

VS

Advanced Top Up

Information Unavailable

PED Waiting Period

Optima Secure

3 years

VS

Advanced Top Up

Information Unavailable

Modern Treatment

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

Annual Health Checkup

Optima Secure

Health check-up is available after the first policy year

VS

Advanced Top Up

Information Unavailable

Pre-Hospitalisation

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

Post-Hospitalisation

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

Outpatient Department Cover (OPD Expense)

Optima Secure

OPD expense is not included

VS

Advanced Top Up

Information Unavailable

Deductible Option

Optima Secure

Available as an option

VS

Advanced Top Up

Information Unavailable

Coverage Options

Optima Secure

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

VS

Advanced Top Up

Information Unavailable

Claim Settlement Ratio

Optima Secure

98%

VS

Advanced Top Up

Information Unavailable

Maternity Cover

Optima Secure

Not in base plan; available as paid add-on.


VS

Advanced Top Up

Information Unavailable

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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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

Compare With Other Health Insurance Plans

Optima Secure vs Optima Secure Plus

Optima Secure vs Cancer Cover Activ Cancer Secure Plan

Optima Secure vs Women Care

Optima Secure vs Activate Booster Plan A

Optima Secure vs Active Care Premier

Advanced Top Up vs Optima Secure

Advanced Top Up vs Optima Secure Plus

Advanced Top Up vs Cancer Cover Activ Cancer Secure Plan

Advanced Top Up vs Women Care

Advanced Top Up vs Activate Booster Plan A

Oneassure

Health Insurance

Compare Health Insurance Plans

Optima Secure Vs Advanced Top Up

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.