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Insurance Plans Comparison

HDFC ERGO Optima Super Secure vs ICICI Lombard Health Elite

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

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HDFC ERGO

Optima Super Secure

Triple your cover from day one, add up to 100% over two years even after claims, restore 100% of the base sum insured, and cover listed non-medical expenses, together reaching 5X after two years.

What Makes It Special:

Optima Super Secure is designed to increase the effective cover available beyond the selected base sum insured through three key benefits: Secure Benefit, Plus Benefit and Automatic Restore Benefit. Secure Benefit adds 200% of the base sum insured, Plus Benefit increases the base cover by 50% after each completed policy...

Best For:

  • Customers comparing a high-cover plan with optional aggregate deductible choices and related premium discounts.

  • Buyers looking for extended pre- and post-hospitalisation expense coverage.

  • People who value coverage for specified non-medical hospitalisation expenses.

  • Families considering a shared floater policy with restoration benefits.

  • Buyers who want a higher effective cover than the base sum insured alone.

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

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

HDFC ERGO Optima Super Secure

  • Check the policy schedule for the selected room category and any optional benefits before purchasing.

  • Confirm the listed non-medical expenses covered by Protect Benefit rather than assuming every consumable or non-medical item is payable.

  • Review the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month PED waiting period.

  • Check whether an aggregate deductible is suitable for your budget, because eligible expenses up to the selected deductible must be borne first.

  • Compare the base sum insured with your likely medical costs and understand how each enhanced-cover benefit is applied.

ICICI Lombard Health Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Super Secure
Optima Super Secure

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Super Secure

No room rent capping

VS

Health Elite

Information Unavailable

Advanced Treatments

Optima Super Secure

Advanced Technology Methods Covered

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
ICU Charges

Optima Super Secure

Covered at actuals, subject to policy terms and the selected room option.

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Co-payment

Optima Super Secure

Not Mentioned

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Disease-wise sublimits

Optima Super Secure

No general disease-wise sublimit confirmed from the reviewed plan summary; specific benefit limits, exclusions and policy conditions still apply.

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Cashless Healthcare Providers

Optima Super Secure

12,000+ Network Hospitals & Healthcare Providers

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Optima Super Secure

Automatic Restore adds 100% of base sum insured after eligible partial or complete utilisation, subject to policy conditions.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Daycare Treatment

Optima Super Secure

Covered

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus

Optima Super Secure

No separate standard Cumulative Bonus; Plus Benefit adds 50% of base sum insured per year, up to 100%.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Optima Super Secure

Covered

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Consumable Cover

Optima Super Secure

Built-in Protect Benefit covers listed non-medical expenses, subject to policy terms.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Initial Waiting Period

Optima Super Secure

30 days for illnesses; accident-related claims are excepted, subject to terms.

VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Optima Super Secure

24 months for specified diseases and procedures.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Optima Super Secure

36 months, subject to policy terms and any approved modification.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Optima Super Secure

Listed modern treatments covered, subject to policy terms and exclusions.

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Optima Super Secure

Available at renewal; limits vary by sum insured and individual/floater policy type.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Optima Super Secure

Up to 60 days.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Optima Super Secure

Up to 180 days.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Optima Super Secure

General OPD expenses are not verified as a standard benefit; listed e-opinion for critical illnesses is available subject to conditions.

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Optima Super Secure

Optional aggregate deductible; available choices and discounts depend on the sum insured and policy configuration.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Optima Super Secure

Individual or family floater; base sum insured from ₹10 lakh to ₹2 crore.

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Optima Super Secure

FY 2024-25: 97.45%

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Optima Super Secure

Not covered under the base plan, except where an express policy exception applies; do not assume maternity cover is included.

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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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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