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Insurance Plans Comparison

HDFC ERGO Optima Secure Global vs ICICI Lombard Golden Shield

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

Cover only emergency hospitalisation outside India within 45 days of a trip, 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 Secure Global is a variant under HDFC ERGO’s my:Optima Secure range for people who want health insurance coverage in India along with protection for eligible emergency medical treatment overseas. Unlike Optima Secure Global Plus, this variant does not cover planned overseas treatment. Its domestic Secure Benefit and Automatic Restore...

Best For:

  • Buyers who need emergency overseas cover but do not require planned overseas treatment under the same variant.

  • Families comparing individual and family floater cover with restoration and cover-enhancement benefits.

  • Buyers looking for a high base sum insured of ₹1 crore or ₹2 crore.

  • Frequent international travellers who want emergency medical protection alongside domestic health insurance.

  • People who want health insurance for treatment in India and emergency medical treatment abroad.

VS
ICICI Lombard

Golden Shield

Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.

What Makes It Special:

ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...

Best For:

  • Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.

  • Customers who want to evaluate options for reducing the policy's standard co-payment.

  • Buyers who want a reset feature for eligible subsequent hospitalisation claims.

  • Older couples looking for a shared family floater or individual cover options.

  • Senior citizens seeking health insurance for eligible hospitalisation expenses.

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

  • Check waiting periods, exclusions, eligible relationships and underwriting terms before selecting the policy.

  • Compare the optional aggregate deductible against your ability to pay eligible domestic expenses out of pocket.

  • Confirm how Secure Benefit and Automatic Restore apply, because these benefits are restricted to eligible treatment in India.

  • Review the ₹10,000 per-claim overseas deductible and policy-year overseas liability limit before relying on the international benefit.

  • Choose Global if overseas protection is needed for eligible emergencies; compare Global Plus if planned overseas treatment is also important.

ICICI Lombard Golden Shield

  • Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.

  • Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.

  • Check the room category linked to your sum insured to avoid unexpected proportionate deductions.

  • Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.

  • Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Global
Optima Secure Global

Health Insurance Plan

Brochure

Policy Wording

VS
Golden Shield
Golden Shield

Health Insurance Plan

Brochure

Room Rent

Optima Secure Global

Covered at Actuals

VS

Golden Shield

ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges.

Advanced Treatments

Optima Secure Global

Global Health Cover Available

VS

Golden Shield

The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions.

ICU Charges

Optima Secure Global

Covered subject to the applicable sum insured and policy terms.

VS

Golden Shield

Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions.

Co-payment

Optima Secure Global

No Geography-Based Co-payment

VS

Golden Shield

The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy.

Disease-wise sublimits

Optima Secure Global

No disease-specific sublimits verified from the reviewed Global plan summary; overseas liability and deductibles are separate limits.

VS

Golden Shield

Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured.

Cashless Healthcare Providers

Optima Secure Global

16,000+ Network Hospitals & Healthcare Providers

VS

Golden Shield

10,896+ hospitals across India.

Restoration Benefit

Optima Secure Global

Automatic Restore Benefit restores 100% of base sum insured for eligible claims in India, subject to conditions.

VS

Golden Shield

Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications.

Daycare Treatment

Optima Secure Global

Covered

VS

Golden Shield

Covered under the policy. 

Cumulative Bonus

Optima Secure Global

Plus Benefit increases cover by 50% of base sum insured after year 1 and up to 100% after year 2, subject to conditions.

VS

Golden Shield

Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made.

AYUSH Treatment

Optima Secure Global

Covered up till sun assured

VS

Golden Shield

Covered under this policy

Consumable Cover

Optima Secure Global

Protect Benefit covers specified non-medical expenses, subject to the policy wording.

VS

Golden Shield

Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim.

Initial Waiting Period

Optima Secure Global

30 days for illnesses; subject to policy wording and accident-related exceptions.

VS

Golden Shield

30 days for illnesses, except covered accident-related hospitalisation.

Specific Waiting Period

Optima Secure Global

24 months for specified diseases and procedures, subject to policy terms.

VS

Golden Shield

24 months for listed diseases and procedures.

PED Waiting Period

Optima Secure Global

36 months, subject to applicable policy terms and approved modifications.

VS

Golden Shield

24 months of continuous coverage for declared and accepted pre-existing diseases.

Modern Treatment

Optima Secure Global

Listed modern treatments covered, subject to policy terms and geography restrictions.

VS

Golden Shield

Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits.

Annual Health Checkup

Optima Secure Global

Available; limit depends on policy type and applicable terms.

VS

Golden Shield

Information Unavailable

Pre-Hospitalisation

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

VS

Golden Shield

60 days before hospitalisation, subject to policy terms and the accepted inpatient claim.

Post-Hospitalisation

Optima Secure Global

Up to 180 days for eligible hospitalisation in India; overseas cover is subject to separate Global benefit terms.

VS

Golden Shield

Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh.

Outpatient Department Cover (OPD Expense)

Optima Secure Global

General OPD expenses not verified as a standard benefit; overseas emergency cover is subject to its specific definition.

VS

Golden Shield

Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program.

Deductible Option

Optima Secure Global

Optional aggregate deductible: ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh or ₹5 lakh; applies to eligible claims in India.

VS

Golden Shield

Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year.

Coverage Options

Optima Secure Global

Individual or family floater; ₹1 crore or ₹2 crore base sum insured.

VS

Golden Shield

Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program.

Claim Settlement Ratio

Optima Secure Global

FY 2024-25: 97.45%


VS

Golden Shield

FY 24-25: ~84%

Maternity Cover

Optima Secure Global

Not verified as a covered benefit; do not assume maternity expenses are covered.

VS

Golden Shield

Not covered under this senior-citizen-focused plan.

Insurance Plans Comparison

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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

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

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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)

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