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Insurance Plans Comparison

HDFC ERGO Optima Secure Global Plus vs Star Women Care

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
Star

What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

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.

Star Women Care

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

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
Women Care
Women Care

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Global Plus

Normal: Room Rent at Actuals

ICU: Up to Sum Insured

VS

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

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

Women Care

Information Unavailable

ICU Charges

Optima Secure Global Plus

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

VS

Women Care

No restriction on ICU room rent

Co-payment

Optima Secure Global Plus

No geography-based co-payment

VS

Women Care

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

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

Women Care

No

Cashless Healthcare Providers

Optima Secure Global Plus

16,000+ Network Hospitals & Healthcare Providers

VS

Women Care

13000+ Healthcare Providers

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

Women Care

100% once after full/partial utilization in a year

Daycare Treatment

Optima Secure Global Plus

Covered

VS

Women Care

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

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

Women Care

20% each year, up to 100%

AYUSH Treatment

Optima Secure Global Plus

Covered Up to Sum Insured

VS

Women Care

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Optima Secure Global Plus

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

VS

Women Care

Yes

Initial Waiting Period

Optima Secure Global Plus

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

VS

Women Care

30 days.

Specific Waiting Period

Optima Secure Global Plus

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

VS

Women Care

2 years

PED Waiting Period

Optima Secure Global Plus

Information Unavailable

VS

Women Care

3 years

Modern Treatment

Optima Secure Global Plus

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

VS

Women Care

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Optima Secure Global Plus

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

VS

Women Care

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Optima Secure Global Plus

Up to 60 days.

VS

Women Care

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Optima Secure Global Plus

Up to 180 days.

VS

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

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

Women Care

OPD is available

Deductible Option

Optima Secure Global Plus

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

VS

Women Care

Not Available


Coverage Options

Optima Secure Global Plus

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

VS

Women Care

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr


Claim Settlement Ratio

Optima Secure Global Plus

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

VS

Women Care

82.31%

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

Women Care

Available

Insurance Plans Comparison

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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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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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