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Insurance Plans Comparison

HDFC ERGO Optima Super Secure vs ICICI Lombard Complete Health Insurance Health Shield

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

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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 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 Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

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
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Optima Super Secure

No room rent capping

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Optima Super Secure

Advanced Technology Methods Covered

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

ICU Charges

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Optima Super Secure

Not Mentioned

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

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

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Optima Super Secure

12,000+ Network Hospitals & Healthcare Providers

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Optima Super Secure

Covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Optima Super Secure

Covered

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Optima Super Secure

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

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Optima Super Secure

24 months for specified diseases and procedures.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Optima Super Secure

Up to 60 days.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Optima Super Secure

Up to 180 days.

VS

Complete Health Insurance Health Shield

Up to 60 days.

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

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Optima Super Secure

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

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Optima Super Secure

FY 2024-25: 97.45%

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

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

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • 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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