Insurance Plans Comparison
HDFC ERGO Optima Secure vs TATA AIG Medicare Senior
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat 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
Medicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
Insurance Plans Comparison
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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
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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Secure Health Insurance Plan VS VS |
![]() Medicare Senior Health Insurance Plan |
| Room Rent |
|---|
Optima Secure All room categories are covered |
VS VS |
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
| ICU Charges |
|---|
Optima Secure No restriction on ICU room rent |
VS VS |
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
| Co-payment |
|---|
Optima Secure Not available |
VS VS |
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
| Disease-wise sublimits |
|---|
Optima Secure No |
VS VS |
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
| Restoration Benefit |
|---|
Optima Secure Yes, your sum insured restores to 100% once every policy year |
VS VS |
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
| Cashless Healthcare Providers |
|---|
Optima Secure 16000+ Healthcare Providers |
VS VS |
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
| Daycare Treatment |
|---|
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
| Cumulative Bonus |
|---|
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
VS VS |
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
| AYUSH Treatment |
|---|
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
| Consumable Cover |
|---|
Optima Secure Yes |
VS VS |
Medicare Senior Covered for specified consumables as per the policy terms. |
| Initial Waiting Period |
|---|
Optima Secure 30 days |
VS VS |
Medicare Senior 30 days, except for claims arising from accidents |
| Specific Waiting Period |
|---|
Optima Secure 2 years |
VS VS |
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
| PED Waiting Period |
|---|
Optima Secure 3 years |
VS VS |
Medicare Senior 36 months of continuous coverage. |
| Modern Treatment |
|---|
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Medicare Senior Covered as per applicable policy terms and conditions. |
| Annual Health Checkup |
|---|
Optima Secure Health check-up is available after the first policy year |
VS VS |
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
| 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 VS |
Medicare Senior Covered for up to 60 days before hospitalisation. |
| Post-Hospitalisation |
|---|
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Medicare Senior Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure OPD expense is not included |
VS VS |
Medicare Senior Not covered as a general base OPD benefit. |
| Deductible Option |
|---|
Optima Secure Available as an option |
VS VS |
Medicare Senior Not specified as a standard deductible option. |
| Coverage Options |
|---|
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
VS VS |
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
| Claim Settlement Ratio |
|---|
Optima Secure 98% |
VS VS |
Medicare Senior Not specified in the supplied policy document. |
| Maternity Cover |
|---|
Optima Secure Not in base plan; available as paid add-on. |
VS VS |
Medicare Senior Not covered under the base policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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