Oneassure

Partner with us

Insurance Plans Comparison

Star Women Care vs HDFC ERGO Optima Secure Global

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
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)

VS
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.

Insurance Plans Comparison

Get Personalized Advice

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

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

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Women Care
Women Care

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure Global
Optima Secure Global

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Women Care

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

VS

Optima Secure Global

Covered at Actuals

ICU Charges

Women Care

No restriction on ICU room rent

VS

Optima Secure Global

Covered subject to the applicable sum insured and policy terms.

Advanced Treatments

Women Care

Information Unavailable

VS

Optima Secure Global

Global Health Cover Available

Disease-wise sublimits

Women Care

No

VS

Optima Secure Global

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

Co-payment

Women Care

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

VS

Optima Secure Global

No Geography-Based Co-payment

Cashless Healthcare Providers

Women Care

13000+ Healthcare Providers

VS

Optima Secure Global

16,000+ Network Hospitals & Healthcare Providers

Restoration Benefit

Women Care

100% once after full/partial utilization in a year

VS

Optima Secure Global

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

Daycare Treatment

Women Care

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

VS

Optima Secure Global

Covered

Cumulative Bonus

Women Care

20% each year, up to 100%

VS

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.

AYUSH Treatment

Women Care

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

VS

Optima Secure Global

Covered up till sun assured

Consumable Cover

Women Care

Yes

VS

Optima Secure Global

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

Initial Waiting Period

Women Care

30 days.

VS

Optima Secure Global

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

Specific Waiting Period

Women Care

2 years

VS

Optima Secure Global

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

PED Waiting Period

Women Care

3 years

VS

Optima Secure Global

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

Modern Treatment

Women Care

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

VS

Optima Secure Global

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

Annual Health Checkup

Women Care

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

VS

Optima Secure Global

Available; limit depends on policy type and applicable terms.

Pre-Hospitalisation

Women Care

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

VS

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

Post-Hospitalisation

Women Care

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

VS

Optima Secure Global

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

Outpatient Department Cover (OPD Expense)

Women Care

OPD is available

VS

Optima Secure Global

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

Deductible Option

Women Care

Not Available


VS

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.

Coverage Options

Women Care

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


VS

Optima Secure Global

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

Claim Settlement Ratio

Women Care

82.31%

VS

Optima Secure Global

FY 2024-25: 97.45%


Maternity Cover

Women Care

Available

VS

Optima Secure Global

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

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • 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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Women Care vs Supreme Senior Premium

Women Care vs Energy Silver Without Copay

Women Care vs Ultimate

Women Care vs EquiCover

Women Care vs Optima Secure Global Plus

Optima Secure Global vs Supreme Senior Premium

Optima Secure Global vs Energy Silver Without Copay

Optima Secure Global vs Ultimate

Optima Secure Global vs EquiCover

Optima Secure Global vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Women Care Vs Optima Secure Global

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.