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Insurance Plans Comparison

HDFC ERGO Optima Lite vs ICICI Lombard Health Elite Plus

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

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HDFC ERGO

Optima Lite

Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.

What Makes It Special:

HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...

Best For:

  • Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.

  • Customers looking to manage premiums through an optional aggregate deductible.

  • Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.

  • Families considering individual or family floater coverage under one policy.

  • Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

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 Lite

  • Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.

  • Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.

  • Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.

  • Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.

  • Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite
Optima Lite

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Lite

Normal: Up to 1% of Base Sum Insured per day

ICU: Up to 2% of Base Sum Insured per day

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
Advanced Treatments

Optima Lite

Robotic Surgeries

Oral Chemotherapy

Deep Brain Stimulation

Balloon Sinuplasty

Bronchial Thermoplasty

Stereotactic Radio Surgeries

Intra Vitreal Injections

Immunotherapy

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Stem Cell Therapy

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
ICU Charges

Optima Lite

Up to 2% of base sum insured per day.

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Co-payment

Optima Lite

Not mentioned

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Optima Lite

Not verified for all listed treatments; refer to the applicable policy wording.

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Cashless Healthcare Providers

Optima Lite

16,000+ Cashless Healthcare Providers

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Optima Lite

Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Daycare Treatment

Optima Lite

Covered up to Sum Insured

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Cumulative Bonus

Optima Lite

10% of base sum insured per policy year, up to 100%, irrespective of claims.

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

AYUSH Treatment

Optima Lite

Covered up to Sum Insured

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Consumable Cover

Optima Lite

Optional Protect Benefit covers listed non-medical expenses and consumables.

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

Initial Waiting Period

Optima Lite

30 days for illnesses; eligible accidental injury claims are exempt.

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Optima Lite

2 years for specified illnesses and procedures.

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Optima Lite

Not verified; confirm against the applicable policy wording.

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Optima Lite

Information Unavailable

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

Optima Lite

Available annually after the first policy year; limit depends on policy type.

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Optima Lite

30 days for eligible expenses.

VS

Health Elite Plus

60 days


Post-Hospitalisation

Optima Lite

60 days for eligible expenses.

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Optima Lite

Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Optima Lite

Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

VS

Health Elite Plus

No deductible option.

Coverage Options

Optima Lite

₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Optima Lite

Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

VS

Health Elite Plus

Information Unavailable

Maternity Cover

Optima Lite

Covered up to the applicable sum insured, subject to policy terms and exclusions.

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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Insurance Plans Comparison

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  • Tailored for seniors healthcare needs

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Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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