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 Shield Plus Plan

Insurance Plans Comparison

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

Comprehensive hospitalisation cover with restoration and loyalty benefits

What Makes It Special:

Health Shield Plus is a health insurance variant under ICICI Lombard Complete Health Insurance. It offers inpatient hospitalisation, daycare treatment, AYUSH hospitalisation, listed modern treatments and an Unlimited Reset Benefit. The plan also provides a Loyalty Bonus and extended pre- and post-hospitalisation coverage, subject to the applicable terms, waiting periods,...

Best For:

Buyers who prefer a policy with a Loyalty Bonus that can accumulate over eligible renewals.
People who want extended coverage for eligible medical expenses before and after hospitalisation.
Buyers who value restoration of cover after eligible claims during a policy year.
Families looking for a shared sum insured through a family floater policy.
Individuals seeking health insurance 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.

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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 Shield Plus Plan

If you need maternity or routine OPD benefits, compare other variants because these are not listed as standard benefits under Health Shield Plus.
Confirm whether the optional co-payment is selected, as it can affect the amount payable by you during a claim.
Check the 24-month waiting periods for pre-existing diseases and specified conditions before purchasing.
Review the room category applicable to your selected sum insured to understand potential out-of-pocket expenses.
Choose the sum insured based on your likely hospitalisation costs, financial exposure and number of insured members.

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 Shield 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 Shield Plus Plan Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without 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 Shield Plus Plan ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

ICU Charges
Optima Lite Up to 2% of base sum insured per day.	Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.

Co-payment
Optima Lite Not mentioned	Complete Health Insurance Health Shield Plus Plan Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on policy terms.

Disease-wise sublimits
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.	Complete Health Insurance Health Shield Plus Plan Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

Cashless Healthcare Providers
Optima Lite 16,000+ Cashless Healthcare Providers	Complete Health Insurance Health Shield 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 Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

Daycare Treatment
Optima Lite Covered up to Sum Insured	Complete Health Insurance Health Shield 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 Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

AYUSH Treatment
Optima Lite Covered up to Sum Insured	Complete Health Insurance Health Shield Plus Plan .

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.	Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.	Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms.

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

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.	Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment
Optima Lite Information Unavailable	Complete Health Insurance Health Shield Plus Plan Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.	Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.	Complete Health Insurance Health Shield Plus Plan 60 days.

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.	Complete Health Insurance Health Shield Plus Plan 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.	Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Deductible Option
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.	Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.	Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 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.	Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.	Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.

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 Shield 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 Shield Plus Plan Normal: the plan offers coverage for single private rooms for hospitalization, while ICU expenses are covered up to the sum insured without 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 Shield Plus Plan ICICI Health Shield Plus covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures.

ICU Charges
Optima Lite Up to 2% of base sum insured per day.
VS VS
Complete Health Insurance Health Shield Plus Plan Covered as per eligible hospitalisation expenses and policy limits.

Co-payment
Optima Lite Not mentioned
VS VS
Complete Health Insurance Health Shield Plus Plan Health Shield Plus may include a copayment clause, requiring policyholders to pay a fixed percentage of the claim amount, especially for senior citizens or specific treatments. The exact copayment percentage varies based on 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 Shield Plus Plan Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye. Other applicable limits and exclusions are governed by the policy wording.

Cashless Healthcare Providers
Optima Lite 16,000+ Cashless Healthcare Providers
VS VS
Complete Health Insurance Health Shield 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 Shield Plus Plan Unlimited Reset Benefit for different illnesses and once for the same illness, subject to policy conditions.

Daycare Treatment
Optima Lite Covered up to Sum Insured
VS VS
Complete Health Insurance Health Shield 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 Shield Plus Plan Loyalty Bonus of 20% per year, up to 100% of the sum insured, subject to conditions.

AYUSH Treatment
Optima Lite Covered up to Sum Insured
VS VS
Complete Health Insurance Health Shield Plus Plan .

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.
VS VS
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; Claim Protector is listed as an optional cover.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.
VS VS
Complete Health Insurance Health Shield Plus Plan 30 days for illnesses; accident-related claims are treated as per policy terms.

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

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.
VS VS
Complete Health Insurance Health Shield Plus Plan 24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment
Optima Lite Information Unavailable
VS VS
Complete Health Insurance Health Shield Plus Plan Covered up to the annual sum insured for listed technological advancements and treatments, subject to policy terms.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.
VS VS
Complete Health Insurance Health Shield Plus Plan Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.
VS VS
Complete Health Insurance Health Shield Plus Plan 60 days.

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.
VS VS
Complete Health Insurance Health Shield Plus Plan 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 VS
Complete Health Insurance Health Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

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 Shield Plus Plan Not included as a standard benefit; the listed OPD treatment cover is not available under this variant.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.
VS VS
Complete Health Insurance Health Shield Plus Plan Individual and family floater options, with sum insured choices from ₹5 lakh to ₹1 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 VS
Complete Health Insurance Health Shield Plus Plan FY 24-25: 83.65%

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.
VS VS
Complete Health Insurance Health Shield Plus Plan Not available under Health Shield Plus as per the reviewed product comparison.

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

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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