Insurance Plans Comparison
HDFC ERGO Optima Secure Plus 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 ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
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
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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
Long-term loyalty rewards and discounts
Annual health check-ups and preventive care
No room-rent or ICU restrictions
Automatic sum insured restoration after claims
Coverage growth with Secure and Infinite Benefits
Not available
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Secure Plus Health Insurance Plan VS VS |
![]() myHealth Suraksha Silver Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
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 Plus No restriction on ICU room rent. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
myHealth Suraksha Silver All Advance Treatment are Covered |
| Disease-wise sublimits |
|---|
Optima Secure Plus No |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
myHealth Suraksha Silver Optional Co-payment available |
| Waiting Period |
|---|
Optima Secure Plus Information Unavailable |
VS VS |
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
| Restoration Benefit |
|---|
Optima Secure Plus Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Cashless Healthcare Providers |
|---|
Optima Secure Plus 16000+ Healthcare Providers |
VS VS |
myHealth Suraksha Silver Available through network hospitals |
| Cumulative Bonus |
|---|
Optima Secure Plus Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely). |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Daycare Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
myHealth Suraksha Silver Covered |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
VS VS |
myHealth Suraksha Silver Covered |
| Consumable Cover |
|---|
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Initial Waiting Period |
|---|
Optima Secure Plus 30 Days |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Specific Waiting Period |
|---|
Optima Secure Plus 2 years |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| PED Waiting Period |
|---|
Optima Secure Plus 3 years |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Modern Treatment |
|---|
Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Annual Health Checkup |
|---|
Optima Secure Plus Health check-up is available after the first policy year |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Pre-Hospitalisation |
|---|
Optima Secure Plus 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 Information Unavailable |
| Post-Hospitalisation |
|---|
Optima Secure Plus You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Deductible Option |
|---|
Optima Secure Plus Available as an option. |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Coverage Options |
|---|
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr |
VS VS |
myHealth Suraksha Silver Information Unavailable |
| Maternity Cover |
|---|
Optima Secure Plus No. However, available as an add-on |
VS VS |
myHealth Suraksha Silver Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
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