Oneassure

Partner with us

Insurance Plans Comparison

Bajaj Health Care Supreme Smart vs HDFC ERGO Optima Secure Plus

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

Read more
Bajaj

Health Care Supreme Smart

Health Care Supreme Smart

What Makes It Special:

Health Care Supreme is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

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

Bajaj Health Care Supreme Smart

Not available

HDFC ERGO Optima Secure Plus

  • Long-term loyalty rewards and discounts

  • Annual health check-ups and preventive care

  • No room-rent or ICU restrictions

  • Automatic sum insured restoration after claims

  • Coverage growth with Secure and Infinite Benefits

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Care Supreme Smart
Health Care Supreme Smart

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Care Supreme Smart

Covered up to Hospitalisation Sum Insured

Covered up to Hospitalisation Sum Insured

VS

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

Advanced Treatments

Health Care Supreme Smart

Uterine Artery Embolization and HIFU

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Green Laser/Holmium Laser Treatment for Prostate

Intra Operative Neuro Monitoring (IONM)

Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions

VS

Optima Secure Plus

Covered all Advanced/Modern treatments

Co-payment

Health Care Supreme Smart

Not mentioned

VS

Optima Secure Plus

No Mandatory Co-payment

Waiting Period

Health Care Supreme Smart

30 Days

24 Months

12 Months for specified diseases and procedures; 24 Months for select treatments such as joint replacement surgery, congenital internal diseases, Parkinson’s disease, genetic disorders, and certain surgical procedures.

VS

Optima Secure Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

Specific disease Waiting Period: 24 months

Cashless Healthcare Providers

Health Care Supreme Smart

Cashless treatment available at empanelled hospitals.

VS

Optima Secure Plus

~16,000 Cashless Healthcare Providers

Daycare Treatment

Health Care Supreme Smart

Covered

VS

Optima Secure Plus

Covered up to Sum Insured

AYUSH Treatment

Health Care Supreme Smart

Covered

VS

Optima Secure Plus

Covered up to Sum Insured

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

Health Care Supreme Smart vs Supreme (Direct)

Health Care Supreme Smart vs Senior First Gold Plan

Health Care Supreme Smart vs Activ One VIP

Health Care Supreme Smart vs Optima Secure Global Plus

Health Care Supreme Smart vs Health Recharge Super Top Up Plan

Optima Secure Plus vs Supreme (Direct)

Optima Secure Plus vs Senior First Gold Plan

Optima Secure Plus vs Activ One VIP

Optima Secure Plus vs Optima Secure Global Plus

Optima Secure Plus vs Health Recharge Super Top Up Plan

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Care Supreme Smart Vs Optima Secure Plus

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.