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Insurance Plans Comparison

HDFC ERGO Optima Secure Global Plus 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...

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HDFC ERGO

Optima Secure Global Plus

Cover planned and emergency hospitalisation outside India, after ₹10,000 per overseas claim, doubling India cover from day one, adding 50% a year up to 100%, restoring 100% in India and paying listed non-medical expenses.

What Makes It Special:

Optima Super Secure is designed to increase the effective cover available beyond the selected base sum insured through three key benefits: Secure Benefit, Plus Benefit and Automatic Restore Benefit. Secure Benefit adds 200% of the base sum insured, Plus Benefit increases the base cover by 50% after each completed policy...

Best For:

  • Customers comparing a high-cover plan with optional aggregate deductible choices and related premium discounts.

  • Buyers looking for extended pre- and post-hospitalisation expense coverage.

  • People who value coverage for specified non-medical hospitalisation expenses.

  • Families considering a shared floater policy with restoration benefits.

  • Buyers who want a higher effective cover than the base sum insured alone.

VS
ICICI Lombard

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

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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.

Quick Decision Guide

HDFC ERGO Optima Secure Global Plus

  • Check the policy schedule for the selected room category and any optional benefits before purchasing.

  • Confirm the listed non-medical expenses covered by Protect Benefit rather than assuming every consumable or non-medical item is payable.

  • Review the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month PED waiting period.

  • Check whether an aggregate deductible is suitable for your budget, because eligible expenses up to the selected deductible must be borne first.

  • Compare the base sum insured with your likely medical costs and understand how each enhanced-cover benefit is applied.

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 Secure Global Plus
Optima Secure Global Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield Plus Plan
Complete Health Insurance Health Shield Plus Plan

Health Insurance Plan

Brochure

Room Rent

Optima Secure Global Plus

Normal: Room Rent at Actuals

ICU: Up to Sum Insured

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 Secure Global Plus

Home Healthcare

Domiciliary Hospitalization

Emergency Air Ambulance

Global Emergency & Planned Treatment Cover

E-Opinion for Critical Illness

Organ Donor Coverage

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 Secure Global Plus

Covered at actuals, subject to policy terms and the selected room option.

VS

Complete Health Insurance Health Shield Plus Plan

Covered as per eligible hospitalisation expenses and policy limits.

Co-payment

Optima Secure Global Plus

No geography-based co-payment

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 Secure Global Plus

No general disease-wise sublimit confirmed from the reviewed plan summary; specific benefit limits, exclusions and policy conditions still apply.

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 Secure Global Plus

16,000+ Network Hospitals & Healthcare Providers

VS

Complete Health Insurance Health Shield Plus Plan

10,896+ hospitals across India.

Restoration Benefit

Optima Secure Global Plus

Automatic Restore adds 100% of base sum insured after eligible partial or complete utilisation, subject to policy conditions.

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 Secure Global Plus

Covered

VS

Complete Health Insurance Health Shield Plus Plan

Covered under the policy. 

Cumulative Bonus

Optima Secure Global Plus

No separate standard Cumulative Bonus; Plus Benefit adds 50% of base sum insured per year, up to 100%.

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 Secure Global Plus

Covered Up to Sum Insured

VS

Complete Health Insurance Health Shield Plus Plan

.

Consumable Cover

Optima Secure Global Plus

Built-in Protect Benefit covers listed non-medical expenses, subject to policy terms.

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 Secure Global Plus

30 days for illnesses; accident-related claims are excepted, subject to terms.

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 Secure Global Plus

36 months, subject to policy terms and any approved modification.

VS

Complete Health Insurance Health Shield Plus Plan

24 months for specified diseases and procedures.

PED Waiting Period

Optima Secure Global Plus

Information Unavailable

VS

Complete Health Insurance Health Shield Plus Plan

24 months for declared and accepted pre-existing diseases, subject to policy conditions.

Modern Treatment

Optima Secure Global Plus

Listed modern treatments covered, subject to policy terms and exclusions.

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 Secure Global Plus

Available at renewal; limits vary by sum insured and individual/floater policy type.

VS

Complete Health Insurance Health Shield Plus Plan

Preventive health check-up coupons each policy year; limits vary by sum insured.

Pre-Hospitalisation

Optima Secure Global Plus

Up to 60 days.

VS

Complete Health Insurance Health Shield Plus Plan

60 days.

Post-Hospitalisation

Optima Secure Global Plus

Up to 180 days.

VS

Complete Health Insurance Health Shield Plus Plan

180 days.

Outpatient Department Cover (OPD Expense)

Optima Secure Global Plus

General OPD expenses are not verified as a standard benefit; listed e-opinion for critical illnesses is available subject to conditions.

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 Secure Global Plus

Optional aggregate deductible; available choices and discounts depend on the sum insured and policy configuration.

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 Secure Global Plus

Individual or family floater; base sum insured from ₹10 lakh to ₹2 crore.

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 Secure Global Plus

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Complete Health Insurance Health Shield Plus Plan

FY 24-25: 83.65%

Maternity Cover

Optima Secure Global Plus

Not covered under the base plan, except where an express policy exception applies; do not assume maternity cover is included.

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

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24/7 Claim Assistance

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

What Our Experts Help You With

Personalised Recommendations

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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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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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