Insurance Plans Comparison
HDFC ERGO Optima Secure vs HDFC ERGO myHealth Suraksha Silver
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
myHealth Suraksha Silver
myHealth Suraksha Silver
What Makes It Special:
myHealth Suraksha 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
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
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Secure Health Insurance Plan VS VS |
![]() myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Optima Secure All room categories are covered |
VS VS |
myHealth Suraksha Silver 1% of Sum Insured per day, subject to a maximum of ₹5,000 per day (if Room Rent Restriction Option is selected) 2% of Sum Insured per day, subject to a maximum of ₹10,000 per day (if Room Rent Restriction Option is selected) |
| ICU Charges |
|---|
Optima Secure No restriction on ICU room rent |
VS VS |
myHealth Suraksha Silver Not Available |
| Advanced Treatments |
|---|
Optima Secure Not Available |
VS VS |
myHealth Suraksha Silver All Advance Treatment are Covered |
| Co-payment |
|---|
Optima Secure Not available |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Disease-wise sublimits |
|---|
Optima Secure No |
VS VS |
myHealth Suraksha Silver Not Available |
| Waiting Period |
|---|
Optima Secure Not Available |
VS VS |
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
| Cashless Healthcare Providers |
|---|
Optima Secure 15000+ Healthcare Providers |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Restoration Benefit |
|---|
Optima Secure Yes, your sum insured restores to 100% once every policy year |
VS VS |
myHealth Suraksha Silver Not Available |
| Daycare Treatment |
|---|
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
myHealth Suraksha Silver Covered |
| Cumulative Bonus |
|---|
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
VS VS |
myHealth Suraksha Silver Not Available |
| AYUSH Treatment |
|---|
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
myHealth Suraksha Silver Covered |
| Consumable Cover |
|---|
Optima Secure Yes |
VS VS |
myHealth Suraksha Silver Not Available |
| Initial Waiting Period |
|---|
Optima Secure 30 days |
VS VS |
myHealth Suraksha Silver Not Available |
| Specific Waiting Period |
|---|
Optima Secure 2 years |
VS VS |
myHealth Suraksha Silver Not Available |
| PED Waiting Period |
|---|
Optima Secure 3 years |
VS VS |
myHealth Suraksha Silver Not Available |
| Modern Treatment |
|---|
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
myHealth Suraksha Silver Not Available |
| Annual Health Checkup |
|---|
Optima Secure Health check-up is available after the first policy year |
VS VS |
myHealth Suraksha Silver Not Available |
| 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 |
myHealth Suraksha Silver Not Available |
| 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 |
myHealth Suraksha Silver Not Available |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure OPD expense is not included |
VS VS |
myHealth Suraksha Silver Not Available |
| Deductible Option |
|---|
Optima Secure Available as an option |
VS VS |
myHealth Suraksha Silver Not Available |
| Coverage Options |
|---|
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
VS VS |
myHealth Suraksha Silver Not Available |
| Claim Settlement Ratio |
|---|
Optima Secure 95% |
VS VS |
myHealth Suraksha Silver Not Available |
| Maternity Cover |
|---|
Optima Secure No. However, available as an add-on |
VS VS |
myHealth Suraksha Silver Not Available |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
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