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Insurance Plans Comparison

HDFC ERGO Optima Secure vs Star Health Gain

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

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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

VS
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

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
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Optima Secure

All room categories are covered

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Optima Secure

No restriction on ICU room rent

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

Optima Secure

Not available

VS

Health Gain

20% for insured persons whose age at entry is 61 years and above.

Disease-wise sublimits

Optima Secure

No

VS

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Restoration Benefit

Optima Secure

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

VS

Health Gain

Not specified.

Cashless Healthcare Providers

Optima Secure

16000+ Healthcare Providers

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

Daycare Treatment

Optima Secure

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

VS

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

Optima Secure

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

VS

Health Gain

Not specified.

AYUSH Treatment

Optima Secure

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

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Consumable Cover

Optima Secure

Yes

VS

Health Gain

Not specified.

Initial Waiting Period

Optima Secure

30 days

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Optima Secure

2 years

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Optima Secure

3 years

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Optima Secure

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

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Optima Secure

Health check-up is available after the first policy year

VS

Health Gain

Not specified.

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

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Optima Secure

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

VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Optima Secure

OPD expense is not included

VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Optima Secure

Available as an option

VS

Health Gain

Not specified.

Coverage Options

Optima Secure

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

VS

Health Gain

Individual and Family Floater.

Claim Settlement Ratio

Optima Secure

98%

VS

Health Gain

Insurer-level metric, not a policy benefit.

Maternity Cover

Optima Secure

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


VS

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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

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