Insurance Plans Comparison
HDFC ERGO Optima Lite vs ICICI Lombard iHealth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima 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
iHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one sum insured
Insurance Plans Comparison
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Quick Decision Guide
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.
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Lite Health Insurance Plan VS VS |
![]() iHealth Health Insurance Plan |
| 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 |
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
| 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 |
iHealth ICICI iHealth 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 |
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
| Co-payment |
|---|
Optima Lite Not mentioned |
VS VS |
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
| Disease-wise sublimits |
|---|
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording. |
VS VS |
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
| Cashless Healthcare Providers |
|---|
Optima Lite 16,000+ Cashless Healthcare Providers |
VS VS |
iHealth 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 |
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
| Daycare Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
iHealth Covered under the policy. |
| Cumulative Bonus |
|---|
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims. |
VS VS |
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
| AYUSH Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
iHealth Covered under this policy |
| Consumable Cover |
|---|
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables. |
VS VS |
iHealth Kindly refer to the policy wording. |
| Initial Waiting Period |
|---|
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt. |
VS VS |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| Specific Waiting Period |
|---|
Optima Lite 2 years for specified illnesses and procedures. |
VS VS |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| PED Waiting Period |
|---|
Optima Lite Not verified; confirm against the applicable policy wording. |
VS VS |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
Optima Lite Information Unavailable |
VS VS |
iHealth Kindly refer to the policy wording |
| Annual Health Checkup |
|---|
Optima Lite Available annually after the first policy year; limit depends on policy type. |
VS VS |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| Pre-Hospitalisation |
|---|
Optima Lite 30 days for eligible expenses. |
VS VS |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| Post-Hospitalisation |
|---|
Optima Lite 60 days for eligible expenses. |
VS VS |
iHealth Up to 60 days after discharge, up to the sum insured |
| 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 |
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
| Deductible Option |
|---|
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available. |
VS VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater. |
VS VS |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| 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 |
iHealth FY 24-25: ~84% |
| Maternity Cover |
|---|
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions. |
VS VS |
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
Insurance Plans Comparison
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