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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Compare Health Insurance Plans

Optima Lite Vs Health Companion Family First Plan

Insurance Plans Comparison

HDFC ERGO Optima Lite vs Niva Bupa Health Companion Family First 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.

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit

Insurance Plans Comparison

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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.

Niva Bupa Health Companion Family First Plan

Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Health Companion Family First 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	Health Companion Family First Plan Normal: Covered up to sum insured 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	Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

ICU Charges
Optima Lite Up to 2% of base sum insured per day.	Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

Co-payment
Optima Lite Not mentioned	Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.	Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers
Optima Lite 16,000+ Cashless Healthcare Providers	Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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.	Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

Daycare Treatment
Optima Lite Covered up to Sum Insured	Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.	Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

AYUSH Treatment
Optima Lite Covered up to Sum Insured	Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.	Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.	Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Optima Lite 2 years for specified illnesses and procedures.	Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.	Health Companion Family First Plan 36 months.

Modern Treatment
Optima Lite Information Unavailable	Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.	Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.	Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.	Health Companion Family First Plan 180 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.	Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.	Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.	Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

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.	Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.	Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite

Health Insurance Plan

Brochure

Policy Wording

Health Companion Family First 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
Health Companion Family First Plan Normal: Covered up to sum insured 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 VS
Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).

ICU Charges
Optima Lite Up to 2% of base sum insured per day.
VS VS
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care

Co-payment
Optima Lite Not mentioned
VS VS
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits
Optima Lite Not verified for all listed treatments; refer to the applicable policy wording.
VS VS
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers
Optima Lite 16,000+ Cashless Healthcare Providers
VS VS
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

Daycare Treatment
Optima Lite Covered up to Sum Insured
VS VS
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus
Optima Lite 10% of base sum insured per policy year, up to 100%, irrespective of claims.
VS VS
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

AYUSH Treatment
Optima Lite Covered up to Sum Insured
VS VS
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Consumable Cover
Optima Lite Optional Protect Benefit covers listed non-medical expenses and consumables.
VS VS
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

Initial Waiting Period
Optima Lite 30 days for illnesses; eligible accidental injury claims are exempt.
VS VS
Health Companion Family First Plan 30 days, except accidents

Specific Waiting Period
Optima Lite 2 years for specified illnesses and procedures.
VS VS
Health Companion Family First Plan 24 months for listed conditions

PED Waiting Period
Optima Lite Not verified; confirm against the applicable policy wording.
VS VS
Health Companion Family First Plan 36 months.

Modern Treatment
Optima Lite Information Unavailable
VS VS
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup
Optima Lite Available annually after the first policy year; limit depends on policy type.
VS VS
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation
Optima Lite 30 days for eligible expenses.
VS VS
Health Companion Family First Plan 60 days before admission, up to the sum insured

Post-Hospitalisation
Optima Lite 60 days for eligible expenses.
VS VS
Health Companion Family First Plan 180 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
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.

Deductible Option
Optima Lite Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.
VS VS
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options
Optima Lite ₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.
VS VS
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible

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
Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover
Optima Lite Covered up to the applicable sum insured, subject to policy terms and exclusions.
VS VS
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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

Zero Spam. Zero Hassle

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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

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