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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs Care Freedom

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

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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

VS
Care

Freedom

Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period

What Makes It Special:

Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.

Best For:

  • Buyers wanting consumable daily allowance

  • Families looking for annual health check-ups.

  • Individuals seeking health insurance without undergoing pre-policy medical screening.

  • Customer is looking for a short two year PED waiting period

  • Buyers managing diabetes, hypertension, or elevated BMI.

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

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

Care Freedom

  • Co-payment provisions applied based on age

  • In-built, one time, automatic sum insured recharge

  • Includes annual health checkups for all covered adult member.

  • Requires no pre-policy medical checkup across all ages and sum insured choices.

  • Features are reduced 24 months waiting period for pre-existing diseases.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Freedom
Freedom

Health Insurance Plan

Policy Wording

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Freedom

For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.

ICU Charges

Optima Secure Plus

No restriction on ICU room rent.

VS

Freedom

ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options.

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Freedom

Information Unavailable

Disease-wise sublimits

Optima Secure Plus

No

VS

Freedom

Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures.

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Freedom

20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms.

Restoration Benefit

Optima Secure Plus

Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses.

VS

Freedom

Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.

Cashless Healthcare Providers

Optima Secure Plus

16000+ Healthcare Providers

VS

Freedom

11,600+ cashless network hospitals are available across India.

Cumulative Bonus

Optima Secure Plus

Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely).

VS

Freedom

No cumulative bonus is available.

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Freedom

Covers all eligible Day Care Procedures up to the sum insured.

AYUSH Treatment

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

VS

Freedom

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

Consumable Cover

Optima Secure Plus

Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

VS

Freedom

Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days.

Initial Waiting Period

Optima Secure Plus

30 Days


VS

Freedom

30 days for all illnesses, except accidental injuries.

Specific Waiting Period

Optima Secure Plus

2 years

VS

Freedom

2 years for specified named ailments.

PED Waiting Period

Optima Secure Plus

3 years

VS

Freedom

2 years for pre-existing diseases.

Modern Treatment

Optima Secure Plus

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

VS

Freedom

Coverage for treatment using specified advanced technology methods is not available under the plan.

Annual Health Checkup

Optima Secure Plus

Health check-up is available after the first policy year

VS

Freedom

Annual health checkup is available for all adult members insured under the policy.

Pre-Hospitalisation

Optima Secure Plus

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

VS

Freedom

Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

Post-Hospitalisation

Optima Secure Plus

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

VS

Freedom



Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

VS

Freedom

OPD expense is not included in the base plan.

Deductible Option

Optima Secure Plus

Available as an option.

VS

Freedom

Not available as a standard deductible option.

Coverage Options

Optima Secure Plus

Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

VS

Freedom

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio

Optima Secure Plus

Information Unavailable

VS

Freedom

96.3% for the period April 2025 to December 2025.

Maternity Cover

Optima Secure Plus

No. However, available as an add-on

VS

Freedom

Not available.

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

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

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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

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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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