Insurance Plans Comparison
HDFC ERGO myHealth Suraksha Silver vs Star Family Health Optima
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moremyHealth Suraksha Silver
myHealth Suraksha Silver
What Makes It Special:
myHealth Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Family Health Optima
Family Floater Health Insurance with Hospitalisation Benefits
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
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
Not available
Check the policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() myHealth Suraksha Silver Health Insurance Plan VS VS |
![]() Family Health Optima Health Insurance Plan |
| Room Rent |
|---|
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) |
VS VS |
Family Health Optima
|
| Advanced Treatments |
|---|
myHealth Suraksha Silver All Advance Treatment are Covered |
VS VS |
Family Health Optima Information Unavailable |
| ICU Charges |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Co-payment |
|---|
myHealth Suraksha Silver Optional Co-payment available |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Disease-wise sublimits |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Waiting Period |
|---|
myHealth Suraksha Silver Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Family Health Optima Information Unavailable |
| Cashless Healthcare Providers |
|---|
myHealth Suraksha Silver Available through network hospitals |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| Restoration Benefit |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| Daycare Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Cumulative Bonus |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| AYUSH Treatment |
|---|
myHealth Suraksha Silver Covered |
VS VS |
Family Health Optima Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Consumable Cover |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Not specified. |
| Initial Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima
|
| Annual Health Checkup |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| Pre-Hospitalisation |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Covered for up to 60 days before hospital admission. |
| Post-Hospitalisation |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Covered for up to 90 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Not specified. |
| Deductible Option |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
myHealth Suraksha Silver Information Unavailable |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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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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