How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Optima Lite Vs Complete Health Insurance Health Protect Plus Plan

Insurance Plans Comparison

HDFC ERGO Optima Lite vs ICICI Lombard Complete Health Insurance Health Protect Plus Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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.

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.
Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.
Policyholders who want a reset benefit after eligible use of the sum insured.
Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.
Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

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.

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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 Complete Health Insurance Health Protect Plus Plan

Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.
Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.
Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.
If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.
Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

Room Rent
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day	Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

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	Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

ICU Charges
Optima Lite Up to 2% of base sum insured per day.	Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.

Co-payment
Optima Lite Not mentioned	Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Disease-wise sublimits
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.	Complete Health Insurance Health Protect Plus Plan 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 Lite 16,000+ Cashless Healthcare Providers	Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india

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.	Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Daycare Treatment
Optima Lite Covered up to Sum Insured	Complete Health Insurance Health Protect Plus Plan Covered under the policy.

Cumulative Bonus
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.	Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

AYUSH Treatment
Optima Lite Covered up to Sum Insured	Complete Health Insurance Health Protect Plus Plan Covered under this policy

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.	Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.	Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period
Optima Lite 2 years for specified illnesses and procedures.	Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.	Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.

Modern Treatment
Optima Lite Information Unavailable	Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.	Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.	Complete Health Insurance Health Protect Plus Plan Up to 30 days.

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.	Complete Health Insurance Health Protect Plus Plan Up to 60 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.	Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.	Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.	Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

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.	Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.	Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

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 VS
Complete Health Insurance Health Protect Plus Plan ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

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 VS
Complete Health Insurance Health Protect Plus Plan Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

ICU Charges
Optima Lite Up to 2% of base sum insured per day.
VS VS
Complete Health Insurance Health Protect Plus Plan Covered under inpatient treatment, subject to applicable policy terms and limits.

Co-payment
Optima Lite Not mentioned
VS VS
Complete Health Insurance Health Protect Plus Plan Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

Disease-wise sublimits
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.
VS VS
Complete Health Insurance Health Protect Plus Plan 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 Lite 16,000+ Cashless Healthcare Providers
VS VS
Complete Health Insurance Health Protect Plus Plan 10,896+ hospitals across india

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 VS
Complete Health Insurance Health Protect Plus Plan Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

Daycare Treatment
Optima Lite Covered up to Sum Insured
VS VS
Complete Health Insurance Health Protect Plus Plan Covered under the policy.

Cumulative Bonus
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.
VS VS
Complete Health Insurance Health Protect Plus Plan 10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

AYUSH Treatment
Optima Lite Covered up to Sum Insured
VS VS
Complete Health Insurance Health Protect Plus Plan Covered under this policy

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.
VS VS
Complete Health Insurance Health Protect Plus Plan No separate consumables benefit verified in the available plan-specific information.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.
VS VS
Complete Health Insurance Health Protect Plus Plan 30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period
Optima Lite 2 years for specified illnesses and procedures.
VS VS
Complete Health Insurance Health Protect Plus Plan 24 months for specified illnesses and treatments.

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.
VS VS
Complete Health Insurance Health Protect Plus Plan 24 months of continuous coverage.

Modern Treatment
Optima Lite Information Unavailable
VS VS
Complete Health Insurance Health Protect Plus Plan Not verified in the available Health Protect Plus Key Information Sheet.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.
VS VS
Complete Health Insurance Health Protect Plus Plan Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.
VS VS
Complete Health Insurance Health Protect Plus Plan Up to 30 days.

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.
VS VS
Complete Health Insurance Health Protect Plus Plan Up to 60 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 VS
Complete Health Insurance Health Protect Plus Plan Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

Deductible Option
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.
VS VS
Complete Health Insurance Health Protect Plus Plan Not verified in the available plan-specific information.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.
VS VS
Complete Health Insurance Health Protect Plus Plan Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

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 VS
Complete Health Insurance Health Protect Plus Plan Not verified against a current, comparable insurer-level CSR disclosure.

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.
VS VS
Complete Health Insurance Health Protect Plus Plan Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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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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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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.

1-5 of 10 FAQs

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